SuryaJyoti Three-20 Dhan Bahar Jeevan Beema
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. You also receive part of the cover amount at set points during the term, not only at the end. A money-back/saving-investment plan that pays the sum assured in three instalments during the policy term (33%, 33%, 34% + bonus) and continues for a 20-year extended term paying 5% of sum assured annually. Death risk is covered during the policy term and the extended period.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15-19 | Rs 45 | Rs 45 |
| 20-24 | Rs 50 | Rs 50 |
Recent years
- FY 2081/82
- Rs 40–75/ 1,000
- FY 2080/81
- Rs 45–50/ 1,000
- FY 2079/80
- Rs 43–50/ 1,000
- FY 2077/78
- Rs 42–60/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: सूर्यज्योति लाइफ इन्स्योरेन्स declaration for FY 2080/81
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- न्यूनतम बीमाङ्क: रु.500,000
- पालिसी अवधी: 12/15/18/21 वर्ष
- विस्तारित अवधि: 20 वर्ष, 5% सालाना भुक्तानी
Features
- बीमा अवधिमा ३ किस्तामा धन फिर्ता (33% / 33% / 34% + बोनस)
- पारिचयपछि २० वर्षको विस्तारित अवधि र हरेक वर्ष ५% बीमाङ्क भुक्तानी
- गारन्तीकृत २००% बीमाङ्क फिर्ता (उल्लिखित)
- मृत्यु हुँदा पूरा बीमाङ्क सहित बोनस तिर्ने
- बीमा अवधी: 12/15/18/21 वर्ष; प्रिमियम भुक्तानी अवधि समान
- राइडर विकल्प: आकस्मिक मृत्यु, आकस्मिक स्थायी अपाङ्गता, प्रिमियम वेभर, क्रिटिकल इलनेस
Terms and conditions
- Maturity benefit
- The sum assured plus bonuses will be paid at maturity of the policy
- Survival benefit
- Additional 5% on sum assured will be returned every year for an extended period of 20 years
- Death in extended period benefit
- If the death occurs anytime during the extended period of 20 years, basic sum assured-survival benefits paid will be deducted and paid to the beneficiary
- On the death
- The sum assured minus the return on sum assured paid anually will be given to the nominee
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 sum assured plus the bonus built up to that date. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back 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 money-back plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
दुर्घटनाबाट मृत्यु भएमा थप लाभ।
दुर्घटनाजन्य पूर्ण स्थायी अशक्तता (TPD)
दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा आधारभूत बीमाङ्क १२० मासिक किस्तामा।
बीमाशुल्क छुट सुविधा (PWB)
दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा भविष्यको बीमाशुल्क छुट।
घातक रोग लाभ (CI)
निर्धारित १८/३५ घातक रोगको निदान भएमा एकमुष्ट लाभ।
Accidental Death Benefit (ADB)
Additional benefit on accidental death.
Accidental Total Permanent Disability (TPD)
Additional benefit equal to basic sum assured payable in 120 monthly installments.
Premium Waiver Benefit (PWB)
Future payable premiums are waived after accidental total permanent disability.
Critical Illness Benefit (CI)
Lump-sum benefit on diagnosis of a defined 18/35 critical illness.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request