Himalayan Life Insurance Limited is a Nepali private-sector life insurer formed through the merger of Prime Life, Gurans Life and Union Life, offering a broad portfolio of endowment, money-back, whole-life, term, child and pension plans.
198
Branches
—
ATMs
22
Products
Asar 2083
Effective
All policies & details (22)
Himalayan Anmol Ratna Bal (Sawadhik) Jeevan Beema
Child
Children's endowment with premium-waiver and income benefit on parent's death, maturity around child's adulthood.
Sum assured
Rs 5 lakh
Policy term
10–27 yrs
Entry age
0–17 yrs
Maturity age
27 yrs
Annual premium
Rs 25,720/yr
Premium term
Regular; yearly/half-yearly/quarterly
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Children's endowment with premium-waiver and income benefit on parent's death, maturity around child's adulthood.
Riders: Accidental death/permanent disability (50% of rider SA)Funeral expenses (25% of rider SA)
Plan details
Maturity benefit: Sum assured plus vested bonus
Surrender: Surrender value, paid-up value available
Himalayan Endowment Plan
Endowment
Traditional with-profits endowment with flexible 5-59 year term and built-in accidental/disability riders.
Sum assured
Rs 5 lakh
Policy term
5–59 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 24,225/yr
Premium term
Regular (equal to policy term); modes monthly/quarterly/half-yearly/yearly
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Traditional with-profits endowment with flexible 5-59 year term and built-in accidental/disability riders.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Sum Assured + accrued bonus
Surrender: Surrender/paid-up value available as per policy terms
Himalayan Jeevan Aawaran Insurance Plan
Endowment
Endowment with enhanced death cover (additional sum assured) and monthly-income/TPD benefits.
Sum assured
Rs 5 lakh
Policy term
7–25 yrs
Entry age
18–50 yrs
Maturity age
70 yrs
Annual premium
Rs 29,400/yr
Premium term
Regular (same as policy term); yearly or half-yearly
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment with enhanced death cover (additional sum assured) and monthly-income/TPD benefits.
Riders: Accidental Death Benefit (ADB)Premium Waiver Benefit (PWB)Monthly Income Benefit (MIB)Critical Illness (CI)
Plan details
Maturity benefit: Sum Assured plus vested bonus up to maturity
Surrender: Surrender/paid-up value as per company rules
Himalayan Jeevan Sampanna
Endowment
Flexible-premium endowment with single or limited-pay options and rich term/PPT matrix.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
18–60 yrs
Annual premium
Rs 29,400/yr
Premium term
Single or Limited (5/10/15/20 yrs) depending on term
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Flexible-premium endowment with single or limited-pay options and rich term/PPT matrix.
Riders: Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Monthly Income Benefit
Plan details
Maturity benefit: Sum Assured + vested bonus
Surrender: Surrender value and paid-up value available
HimalayanLife Saral Beema
Endowment
Simple low-cost with-profits endowment with low minimum sum assured and wide term range.
Sum assured
Rs 5 lakh
Policy term
10–49 yrs
Entry age
18–55 yrs
Maturity age
65 yrs
Annual premium
Rs 24,980/yr
Premium term
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Simple low-cost with-profits endowment with low minimum sum assured and wide term range.
Maturity benefit: Accrued bonus payable as maturity benefit (survival benefits paid during term)
Surrender: Surrender/paid-up value as per company rule
Himalayan Jeewan Upahar
Money-back
Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.
Sum assured
Rs 5 lakh
Policy term
16 yrs
Entry age
18–54 yrs
Maturity age
70 yrs
Annual premium
Rs 47,250/yr
Premium term
Regular
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreTotal Permanent Disability/Premium Waiver up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: 25% of base plan sum assured plus 100% of UPAHAR companion plan sum assured, plus bonuses on both policies
Surrender: As per policy
HimalayanLife Dhan Sagar
Money-back
Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.
Sum assured
Rs 5 lakh
Policy term
15–20 yrs
Entry age
18–50 yrs
Maturity age
65 yrs
Annual premium
Rs 41,580/yr
Premium term
Regular; yearly/half-yearly/quarterly/monthly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreTotal Permanent Disability/Premium WaiverCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: 50% of SA plus vested bonus (15-yr) or 40% of SA plus vested bonus (20-yr)
Surrender: As per policy
HimalayanLife Naari Jeewan Beema
Money-back
Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.
Sum assured
Rs 5 lakh
Policy term
16–25 yrs
Entry age
18–54 yrs
Maturity age
70 yrs
Annual premium
Rs 32,495/yr
Premium term
Regular (equal to policy term); yearly/half-yearly/quarterly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreTotal Permanent Disability/Premium Waiver up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: 60% of sum assured plus bonus
Surrender: As per policy
Himalayan Life Sulav Money Back
Money-back
Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.
Sum assured
Rs 5 lakh
Policy term
12–25 yrs
Entry age
18–58 yrs
Maturity age
70 yrs
Annual premium
Rs 36,850/yr
Premium term
Single or Limited (9/12/16/20 yrs)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreTotal Permanent Disability/Premium Waiver up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: Final survival installment (60%/40%/30% by term) plus accrued bonus
Surrender: As per policy
Himalayan Money Back Cum Whole Life Plan
Money-back
Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.
Sum assured
Rs 5 lakh
Policy term
10–25 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 36,850/yr
Premium term
Limited (10/15/20/25 yrs)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.
Riders: Accidental Death Benefit (ADB) up to NPR 1 crorePermanent Whole Disability (PWB)Permanent Total Disability (PTD)
Plan details
Maturity benefit: Final survival installment plus vested bonus (e.g. 40% at year 10 for 10-yr term)
Surrender: As per policy
HimalayanLife Pension Plan
Pension
Deferred pension/annuity plan converting maturity proceeds into a lifetime income.
Sum assured
Rs 5 lakh
Policy term
10–54 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 24,950/yr
Premium term
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Deferred pension/annuity plan converting maturity proceeds into a lifetime income.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreTotal Permanent Disability/Premium Waiver up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: Basic sum assured plus vested bonus, with option to convert into immediate annuity (pension)
Surrender: As per policy
Himalayan Surakshit Bhavisya Jeevan Beema Yojana
Pension
Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.
Sum assured
Rs 5 lakh
Policy term
10–30 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 26,275/yr
Premium term
Limited (premiums paid during PPT, pension thereafter)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.
Riders: Accidental Death Benefit (ADB) up to NPR 50 lakhTotal Permanent Disability/Premium Waiver up to NPR 50 lakh
Plan details
Maturity benefit: 6% of sum assured paid annually after premium paying term until age 99; full sum assured at age 100 or on death
Surrender: As per policy
Himalayan Life New Term Assurance
Term
Pure-protection term assurance with optional ADB, critical illness and personal accident riders.
Sum assured
Rs 5 lakh
Policy term
5–35 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 1,250/yr
Premium term
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure-protection term assurance with optional ADB, critical illness and personal accident riders.
Riders: Accidental Death Benefit (ADB) up to NPR 5 lakhCritical Illness (CI) up to NPR 25 lakhPersonal Accident (PA) up to NPR 50 lakh
Plan details
Maturity benefit: Nil (pure protection, no survival benefit)
Surrender: Nil / no surrender value (pure term)
Himalayan One Year's Renewable Group Term Assurance (YRGT)
Term
Annually-renewable group term life cover for employer/affinity groups of 25+ members.
Sum assured
Rs 5 lakh
Policy term
1 yrs
Entry age
18–64 yrs
Maturity age
65 yrs
Annual premium
Rs 1,250/yr
Premium term
Regular (yearly, annually renewable)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Annually-renewable group term life cover for employer/affinity groups of 25+ members.
Plan details
Maturity benefit: Nil
Surrender: Nil (pure one-year group term)
Himalayan Endowment Cum Whole Life Insurance Plan
Whole Life
Endowment combined with whole-life cover, paying at maturity and again on survival to age 100.
Sum assured
Rs 5 lakh
Policy term
5–59 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 29,500/yr
Premium term
Regular; monthly/quarterly/half-yearly/yearly
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment combined with whole-life cover, paying at maturity and again on survival to age 100.
Riders: Accidental Death Benefit (ADB)Premium Waiver Benefit (PWB)Permanent Total Disability (PTD)
Plan details
Maturity benefit: Sum Assured + accrued bonus at maturity; sum assured again on survival to age 100
Surrender: Paid-up and surrender value available
HimalayanLife Jeewan Surakshya
Whole Life
Endowment-cum-whole-life plan with continued accidental death cover after maturity up to age 70.
Sum assured
Rs 5 lakh
Policy term
15–54 yrs
Entry age
18–55 yrs
Maturity age
70 yrs
Annual premium
Rs 29,140/yr
Premium term
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment-cum-whole-life plan with continued accidental death cover after maturity up to age 70.
Riders: Accidental Death Benefit (ADB) up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
Plan details
Maturity benefit: Full sum assured plus bonus
Surrender: As per policy
Himalayan Limited Payment (Endowment Cum Whole Life) Plan
Whole Life
Limited-pay endowment-cum-whole-life plan that keeps cover in force after a short premium-paying period.
Sum assured
Rs 5 lakh
Policy term
5–30 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 47,825/yr
Premium term
Single or Limited (1/5/10/15/20/25 yrs depending on term)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited-pay endowment-cum-whole-life plan that keeps cover in force after a short premium-paying period.
Riders: Accidental Death Benefit (ADB)Monthly Income Benefit (MIB)Premium Waiver Benefit (PWB)Total Permanent Disability (TPD)
Plan details
Maturity benefit: Sum Assured plus vested bonus up to maturity
Surrender: Surrender value available
About Himalayan Life
Himalayan Life Insurance Limited was established through the merger of three companies — Prime Life Insurance Co. Ltd., Gurans Life Insurance Co. Ltd. and Union Life Insurance Co. Ltd. It is a private-sector life insurance company operating in Nepal and listed on NEPSE under the symbol HLI. The company reports a network of around 198 branches/network points and over 420,000 policies in force, marketing roughly 25 insurance plans. Its head office is on Manakamana Marga, Kathmandu.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
