SuryaJyoti Sahi Plan
by सूर्यज्योति लाइफ इन्स्योरेन्स
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Limited-pay whole-life type life insurance offering lifelong coverage after limited premium payment. All premiums paid are refunded at age 70.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rs 40–75
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 40–75/ 1,000
- FY 2080/81
- Rs 40–75/ 1,000
- FY 2079/80
- Rs 40–75/ 1,000
- FY 2077/78
- Rs 40–90/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: सूर्यज्योति लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- कम प्रिमियममा ६ गुणासम्म सुरक्षा कवरेज
- ७० वर्षमा प्रिमियम फिर्ता
- समर्पण मूल्यको ९०% सम्म कर्जा
Features
- कम प्रिमियममा आजीवन सुरक्षा
- बीमा अवधि भर तिरेको सम्पूर्ण प्रिमियम ७० वर्षमा फिर्ता
- सिमित भुक्तानी तर आजीवन कभरेज
- Policy loan सुविधा: समर्पण मूल्यको ९०% सम्म
Terms and conditions
- Total fund received at maturity- Premium refund +Coverage
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The premiums paid over the term are returned to you at maturity. There is no bonus on top.
Typical for term plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for term plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
आधारभूत बीमाङ्क वा रु. १,००,००,००० मध्ये जुन कम हुन्छ सो बराबरको थप दुर्घटना मृत्यु लाभ।
दुर्घटना मृत्यु, पूर्ण स्थायी अशक्तता तथा प्रिमियम छुट लाभ
संयुक्त दुर्घटना मृत्यु, पूर्ण स्थायी अशक्तता तथा प्रिमियम छुट लाभ; आधारभूत बीमाङ्क वा रु. १,००,००,००० मध्ये जुन कम हुन्छ सोसम्म।
घातक रोग
आधारभूत बीमाङ्क वा रु. ५०,००,००० मध्ये जुन कम हुन्छ सो बराबरको थप घातक रोग लाभ।
Accidental Death Benefit
Additional benefit equal to Basic Sum Assured or NPR 10,000,000, whichever is less.
Accidental Death, Total Permanent Disability and Premium Waiver Benefit
Combined accidental death, total permanent disability and premium waiver benefit; coverage up to Basic Sum Assured or NPR 10,000,000, whichever is less.
Critical Illness
Additional critical illness benefit equal to Basic Sum Assured or NPR 5,000,000, whichever is less.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request