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Life insurance — compare policies

We found 210 products

Endowment, term, whole-life, child & pension plans from Nepal's 14 life insurers. The Nepal Insurance Authority (NIA) licenses 14 life and 14 non-life insurers. Compare their policies by premium, sum assured/insured, policy term, entry age and claim-settlement ratio — the key trust metric when choosing cover.

Life Insurance Non-Life Insurance

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Protection plans

Plan typePlans

Term29See more

Endowment68See more

Whole Life24See more

Savings & family

Plan typePlans

Money-back39See more

Child22See more

Pension7See more

More plans

Plan typePlans

Unit-linked1See more

Foreign Employment7See more

Micro13See more

SortCompanyMin claim ratioMax premiumEligible at ageLoan against policy

39 matching

SuryaJyotiSuryaJyoti Dhanbridhi Jeevan Beema (Agreem Bhuktani / Money Back)Money-backLowest premiumCompare

Annual premium

Rs 7,885/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

15–25 yr

Entry age

18–55

Features

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
Terms of 15, 20 or 25 years
Single-premium option pays 2.5x sum assured at maturity
Death pays full sum assured plus bonus without deducting survival benefits

Anticipated endowment paying periodic survival benefits plus sum assured and bonus, with money-back installments during the term.

Plan details

Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
Terms of 15, 20 or 25 years
Single-premium option pays 2.5x sum assured at maturity
Death pays full sum assured plus bonus without deducting survival benefits
Optional critical illness cover up to Rs 50,00,000

Asian LifeAsian Moneyback-20Money-backCompare

Annual premium

Rs 25,365/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

20 yr

Entry age

18–45

Features

Bonus: Participating (declared bonus)

20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
Min SA Rs 50,000
Entry 18-45, maturity age 65
Loan and surrender available

20-year money-back plan paying 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity; min SA Rs 50,000, entry 18-45.

Plan details

20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
Min SA Rs 50,000
Entry 18-45, maturity age 65
Loan and surrender available
Participating with bonus

Sun NepalSaarthak Ajeewan Jeevan Beema (15-Year Money Back cum Whole Life)Money-backCompare

Annual premium

Rs 29,520/yr

Claim ratio

98.71%

Sum assured

Rs 5 lakh

Policy term

15 yr

Entry age

18–55

Features

Bonus: Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)

Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
Whole-life cover continues to age 100
Full sum assured plus vested bonus on death during premium term
Low minimum sum assured Rs 50,000

15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.

Plan details

Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
Whole-life cover continues to age 100
Full sum assured plus vested bonus on death during premium term
Low minimum sum assured Rs 50,000
Fixed bonus Rs 39 per 1,000

Himalayan LifeHimalayan Jeevan Adhar Insurance PlanMoney-backCompare

Annual premium

Rs 29,400/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

18–50

Features

Bonus: —

Annual survival benefit of 5% of sum assured during the term
Maturity pays SA less survival payments plus accrued bonus
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments

Money-back plan paying 5% of sum assured each year with bonus and full death cover throughout the term.

Plan details

Annual survival benefit of 5% of sum assured during the term
Maturity pays SA less survival payments plus accrued bonus
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments
Policy loan and tax benefits available

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National LifeAnticipated Endowment PlanMoney-backCompare

Annual premium

Rs 31,100/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

16–65

Features

Bonus: Rs 60 per 1,000 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82

Periodic survival payouts during the term
Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
With-profit endowment
Loan facility

With-profit money-back endowment paying periodic survival benefits during the term and sum assured plus bonus at maturity.

Plan details

Periodic survival payouts during the term
Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
With-profit endowment
Loan facility
Tax exemption under ITA 2058

Sanima RelianceAnnual Money Back Policy (Modified / Dhana Firta)Money-backCompare

Annual premium

Rs 29,935/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

15–20 yr

Entry age

18–55

Features

Bonus: Rs 19-30 per 1,000 sum assured/yr (Modified 30; Annual 19-21) (FY 2081/82)

Fixed 5% of Sum Assured paid every year from year 2
Death pays full Sum Assured plus bonus regardless of survival benefits already paid
Maturity bonus on 20-year term
Participating anticipated endowment

Participating anticipated endowment paying 5% of sum assured every year from year 2 to maturity, plus maturity benefit and bonus.

Reliable LifeReliable Samunnati Jeevan BeemaMoney-backCompare

Annual premium

Rs 36,980/yr

Claim ratio

97.92%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

16–65

Features

Bonus: Rs 20-23 per 1,000 sum assured/yr (FY 2080/81)

Anticipated/money-back periodic survival benefits
Yearly/half-yearly/quarterly/monthly premium modes
Death benefit unaffected by survival payouts already received
Min sum assured Rs 5 lakh

Anticipated (money-back) endowment paying periodic survival benefits during the term plus bonus at maturity.

Plan details

Anticipated/money-back periodic survival benefits
Yearly/half-yearly/quarterly/monthly premium modes
Death benefit unaffected by survival payouts already received
Min sum assured Rs 5 lakh
With-profits bonus at maturity

Nepal LifeNari Suraksha Jeevan Beema YojanaMoney-backCompare

Annual premium

Rs 34,870/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–65

Features

Bonus: Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)

Women-focused life plan
Death benefit increases 25% every 5 years
Pregnancy complication lump-sum rider Rs 1,00,000
Prenatal care rider Rs 10,000

Women-focused participating plan; death benefit increases 25% every 5 years; includes pregnancy/prenatal riders.

Plan details

Women-focused life plan
Death benefit increases 25% every 5 years
Pregnancy complication lump-sum rider Rs 1,00,000
Prenatal care rider Rs 10,000
Loan up to 90% of surrender value

IME LifeIME Dhanbardhan Money Back PlanMoney-backCompare

Annual premium

Rs 31,465/yr

Claim ratio

79.9%

Sum assured

Rs 5 lakh

Policy term

15–25 yr

Entry age

18–55

Features

Bonus: Rs 22-63 per 1,000 sum assured/yr (advance/money-back plans, FY 2080/81)

Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
Full Sum Assured plus vested bonus on death irrespective of survival payouts already made

A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.

Plan details

Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
Full Sum Assured plus vested bonus on death irrespective of survival payouts already made
Liquidity through staggered money-back installments
Loan and tax benefits

Prabhu MahalaxmiMahalaxmi Barshik Dhanfirta Beema (Anticipated/Money Back Plan)Money-backCompare

Annual premium

Rs 37,870/yr

Claim ratio

98.33%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–65

Features

Bonus: Rs 35 per 1,000 sum assured/yr (flat)

Pays back 5% of sum assured on every policy anniversary while in force
Death benefit of twice the sum assured plus accrued bonus during the term
Balance sum assured plus bonus at maturity
Flat bonus of Rs 35 per 1,000 sum assured

Anticipated endowment / money-back plan returning 5% of sum assured each year plus the balance with bonus at maturity, with double life cover throughout the term.

Plan details

Pays back 5% of sum assured on every policy anniversary while in force
Death benefit of twice the sum assured plus accrued bonus during the term
Balance sum assured plus bonus at maturity
Flat bonus of Rs 35 per 1,000 sum assured
Provides periodic liquidity plus final maturity lump sum

Citizen LifeCitizen Regular Pay Money Back Insurance PlanMoney-backCompare

Annual premium

Rs 41,621/yr

Claim ratio

93.9%

Sum assured

Rs 5 lakh

Policy term

12–21 yr

Entry age

18–55

Features

Bonus: Reversionary bonus declared annually (rate not published)

25% of sum assured paid at 1/3 of policy term
30% of sum assured paid at 2/3 of policy term
45% of sum assured plus reversionary bonus at maturity
Full sum assured plus bonus paid on death (survival benefits not deducted)

Anticipated (money-back) endowment paying staggered survival benefits at 1/3 and 2/3 of term plus a maturity lump sum and bonus, with full sum assured on death.

Plan details

25% of sum assured paid at 1/3 of policy term
30% of sum assured paid at 2/3 of policy term
45% of sum assured plus reversionary bonus at maturity
Full sum assured plus bonus paid on death (survival benefits not deducted)
Term options of 12, 15, 18 and 21 years

LIC NepalMoney Back PlanMoney-backCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 20,000

Policy term

15–25 yr

Entry age

18–60

Features

Bonus: Simple reversionary bonus declared annually (with-profit)

Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
Full Sum Assured paid on death irrespective of survival payments already made
Available in 5 plan variants (334/335/336/337/339)
Paid-up after 2 full years; surrender after 3 years

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Anticipated-endowment money-back plan (plan nos. 334/335/336/337/339) giving periodic survival payouts during the term plus death cover and bonus.

Plan details

Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
Full Sum Assured paid on death irrespective of survival payments already made
Available in 5 plan variants (334/335/336/337/339)
Paid-up after 2 full years; surrender after 3 years
Loan up to 90% of surrender value
Riders incl. term rider available

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Rastriya JeevanAnticipated Endowment Life Assurance (Money Back Plan)Money-backCompare

Annual premium

Rs 30,600/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

16–60

Features

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

Periodic 'money-back' survival benefits paid in instalments during the policy term
Full sum assured plus bonus paid on death even if survival benefits were already received
Remaining sum assured plus accrued bonus paid at maturity
Loan available up to 90% of surrender value after 3 years

Money-back endowment paying periodic survival benefits (instalments of the sum assured) during the term plus the balance with bonus at maturity, while full sum assured plus bonus is paid on death regardless of survival benefits already received.

Plan details

Periodic 'money-back' survival benefits paid in instalments during the policy term
Full sum assured plus bonus paid on death even if survival benefits were already received
Remaining sum assured plus accrued bonus paid at maturity
Loan available up to 90% of surrender value after 3 years
Liquidity at regular intervals while retaining full life cover

SuryaJyotiSuryaJyoti Sajeelo Bhuktani Jeevan Beema (Yearly Money Back)Money-backCompare

Annual premium

Rs 7,885/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

18–50

Features

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Yearly survival benefit of 4-6% of sum assured
Terms of 10 to 20 years
Minimum sum assured Rs 500,000
Full sum assured plus bonus on death without deducting survival benefits

Money-back plan paying a fixed percentage of the sum assured every year, with remaining sum assured plus bonus at maturity.

Plan details

Yearly survival benefit of 4-6% of sum assured
Terms of 10 to 20 years
Minimum sum assured Rs 500,000
Full sum assured plus bonus on death without deducting survival benefits
Multiple payout-percentage options by term

Himalayan LifeHimalayan Barshik Nagad Firta Jeevan Beema Yojana (Annual Cash Back)Money-backCompare

Annual premium

Rs 32,495/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

18–55

Features

Bonus: —

Annual cash back of 4% of sum assured each year
Remaining sum assured plus accrued bonus at maturity
Sum assured plus accumulated bonus to nominee on death
Minimum sum assured NPR 5 lakh

Money-back plan returning 4% of sum assured annually with bonus plus residual sum assured at maturity.

Plan details

Annual cash back of 4% of sum assured each year
Remaining sum assured plus accrued bonus at maturity
Sum assured plus accumulated bonus to nominee on death
Minimum sum assured NPR 5 lakh
ADB and TPD/premium-waiver riders up to NPR 50 lakh

Sun NepalDhananjaya Yearly Moneyback EndowmentMoney-backCompare

Annual premium

Rs 34,160/yr

Claim ratio

98.71%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–65

Features

Bonus: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

5% of sum assured paid every policy anniversary as regular income
Remaining sum assured plus bonus at maturity
Full sum assured plus vested bonus on death during term
Term 5-20 years

Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.

Plan details

5% of sum assured paid every policy anniversary as regular income
Remaining sum assured plus bonus at maturity
Full sum assured plus vested bonus on death during term
Term 5-20 years
Minimum sum assured Rs 100,000

Sanima RelianceDhanapati Money Back Policy (12/15/20 Years)Money-backCompare

Annual premium

Rs 29,935/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

18–50

Features

Bonus: Rs 32-42 per 1,000 sum assured/yr (15-yr: 41, 20-yr: 45) (FY 2081/82)

Choice of 12, 15 or 20 year terms
Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
Death pays full Sum Assured plus bonus
Maturity age options 62/65/70

Money-back endowment with periodic survival payouts during the term and a lump-sum plus vested bonus at maturity.

Plan details

Choice of 12, 15 or 20 year terms
Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
Death pays full Sum Assured plus bonus
Maturity age options 62/65/70
Participating with annual bonus

Asian LifeJeevan Sanjivani (Anticipated & Whole Life)Money-backCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

Features

Bonus: Accrued bonus paid lump-sum at end of term

Anticipated/money-back installment maturity benefits
Whole-life extension of cover until age 99
Death benefit = sum assured plus earned bonus
Term options 5/10/15/20/25 yrs

Anticipated endowment cum whole-life plan paying installment maturity benefits; min SA Rs 50,000, terms 5-25 yrs, cover extends to age 99.

Plan details

Anticipated/money-back installment maturity benefits
Whole-life extension of cover until age 99
Death benefit = sum assured plus earned bonus
Term options 5/10/15/20/25 yrs
Single or regular premium

Nepal LifeJeevan Unnati Beema YojanaMoney-backCompare

Annual premium

Rs 35,280/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

18–58

Features

Bonus: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
40% SA + bonus paid at maturity
Single-premium death benefit 2.5x SA + bonus
Full life cover throughout despite payouts

Anticipated/money-back plan paying periodic survival benefits during the term plus 40% SA + bonus at maturity.

Plan details

Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
40% SA + bonus paid at maturity
Single-premium death benefit 2.5x SA + bonus
Full life cover throughout despite payouts
Loan up to 90% of surrender value

Reliable LifeReliable Anticipated PlanMoney-backCompare

Annual premium

Rs 38,115/yr

Claim ratio

97.92%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

18–55

Features

Bonus: Advance/anticipated payment plans band Rs 50-55 per 1,000 sum assured/yr (FY 2080/81)

Survival refunds every 4 years of premium paid
Even-year terms 10 to 20 years
Accidental death pays insured amount + accidental benefit + accrued bonus
Entry age 18-55, maturity by 65

Money-back plan refunding a portion of the sum assured after every four years of premium payment, with bonus at maturity.

Plan details

Survival refunds every 4 years of premium paid
Even-year terms 10 to 20 years
Accidental death pays insured amount + accidental benefit + accrued bonus
Entry age 18-55, maturity by 65
Optional critical-illness and hospitalization cover

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National LifeAmrit Shree Money BackMoney-backCompare

Annual premium

Rs 34,800/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

14–65

Features

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

Regular premium money-back plan
Periodic payouts at regular intervals during the term
Payouts help with premium management and expenses
NIA code NIA/LI002/2075/076/MBP/0030

Regular-premium money-back plan with periodic payouts at regular intervals during the policy term.

Plan details

Regular premium money-back plan
Periodic payouts at regular intervals during the term
Payouts help with premium management and expenses
NIA code NIA/LI002/2075/076/MBP/0030
With-profit participation

Citizen LifeCitizen Annual Money Back Insurance PlanMoney-backCompare

Annual premium

Rs 41,621/yr

Claim ratio

93.9%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–65

Features

Bonus: Reversionary/vested bonus declared annually (rate not published)

5% of sum assured paid on every policy anniversary as survival benefit
Full sum assured plus reversionary bonus on death
Maturity pays remaining sum assured plus vested bonus
Policy term 5 to 20 years

Money-back plan returning 5% of sum assured every year as a survival benefit, with full sum assured plus bonus on death and balance sum assured plus bonus at maturity.

Plan details

5% of sum assured paid on every policy anniversary as survival benefit
Full sum assured plus reversionary bonus on death
Maturity pays remaining sum assured plus vested bonus
Policy term 5 to 20 years
Single and regular premium options

IME LifeIME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)Money-backCompare

Annual premium

Rs 39,480/yr

Claim ratio

79.9%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–60

Features

Bonus: Rs 22-63 per 1,000 sum assured/yr (money-back plans, FY 2080/81)

Premium paying term shorter than policy term (8/12/16/20 yrs)
10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus

Plan details

Premium paying term shorter than policy term (8/12/16/20 yrs)
10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus
Paid-up coverage continues after last money-back installment
Loan and tax benefits

LIC NepalDhan BristiMoney-backCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 1 lakh

Policy term

10–15 yr

Entry age

Features

Bonus: Simple reversionary bonus declared annually (with-profit)

Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
Death benefit: Sum Assured plus accrued reversionary bonus
Premium paying term equal to policy term

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Anticipated-endowment money-back plan paying survival benefits every 3 years plus reversionary bonus, available in 10- and 15-year terms.

Plan details

Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
Death benefit: Sum Assured plus accrued reversionary bonus
Premium paying term equal to policy term
Multiple premium modes
Maturity age up to 70

SuryaJyotiSuryaJyoti Dhan Laav Jeevan Beema (Money Back)Money-backCompare

Annual premium

Rs 23,800/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

18–58

Features

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Terms of 12, 15 or 20 years
Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
Minimum sum assured Rs 50,000
Full sum assured plus bonus on death, no deduction for installments paid

Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.

Plan details

Terms of 12, 15 or 20 years
Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
Minimum sum assured Rs 50,000
Full sum assured plus bonus on death, no deduction for installments paid
Optional critical illness cover up to Rs 50,00,000

Himalayan LifeHimalayanLife Naari Jeewan BeemaMoney-backCompare

Annual premium

Rs 32,495/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

16–25 yr

Entry age

18–54

Features

Bonus: —

Dedicated women's life plan
2.5% of sum assured returned annually after first policy anniversary
Maturity pays 60% of sum assured plus bonus
Full sum assured plus bonus on death

Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.

Plan details

Dedicated women's life plan
2.5% of sum assured returned annually after first policy anniversary
Maturity pays 60% of sum assured plus bonus
Full sum assured plus bonus on death
ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Asian LifeDhan SambriddhiMoney-backCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–60

Features

Bonus: Participating (declared bonus)

Money-back survival payouts (15-60% of SA at intervals)
Single-premium death benefit 2.5x SA plus bonus
Terms 10/15/20/25 yrs
Loan and surrender value available

Money-back plan with progressive survival benefits; single-premium variant pays 2.5x SA on death; terms 10-25 yrs, min SA Rs 50,000.

Plan details

Money-back survival payouts (15-60% of SA at intervals)
Single-premium death benefit 2.5x SA plus bonus
Terms 10/15/20/25 yrs
Loan and surrender value available
Participating with bonus

Nepal LifeNaulo Dhanbarsha Jeevan Beema YojanaMoney-backCompare

Annual premium

Rs 40,180/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–60

Features

Bonus: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

Staggered survival payouts (10%, 20%, 30%, 40% of SA)
Limited premium term shorter than policy term
Single-premium death benefit 2.5x SA + bonus
Full SA cover maintained during payouts

Anticipated/money-back plan with limited premium term and staggered survival payouts (10/20/30/40% of SA).

Plan details

Staggered survival payouts (10%, 20%, 30%, 40% of SA)
Limited premium term shorter than policy term
Single-premium death benefit 2.5x SA + bonus
Full SA cover maintained during payouts
Loan up to 90% of surrender value

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National LifeAmrit Barsaha Money Back PolicyMoney-backCompare

Annual premium

Rs 42,000/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

7–25 yr

Entry age

18–60

Features

Bonus: Rs 60 per 1,000 SA (5-20 yr); higher for longer terms (FY 2081/82)

Periodic money-back survival payouts during the term
Full sum assured plus bonus on death
Premium waiver on disability
Loan facility

With-profit money-back plan paying periodic survival benefits during the term plus bonus, with full sum assured on death.

Plan details

Periodic money-back survival payouts during the term
Full sum assured plus bonus on death
Premium waiver on disability
Loan facility
With-profit participation

IME LifeIME Dhan Sarita Plus Jeevan Beema YojanaMoney-backCompare

Annual premium

Rs 47,025/yr

Claim ratio

79.9%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–65

Features

Bonus: Rs 22 per 1,000 sum assured/yr (fixed, Dhan Sarita, FY 2080/81)

5% of Sum Assured paid every policy anniversary as annual survival benefit
Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
Maturity returns remaining SA plus vested bonus
Higher minimum SA (Rs 4 lakh) targeted plan

Plan details

5% of Sum Assured paid every policy anniversary as annual survival benefit
Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
Maturity returns remaining SA plus vested bonus
Higher minimum SA (Rs 4 lakh) targeted plan
Flexible regular/single/limited premium options
NIA approved product (code NIA/LI010/.../MBP/0016)

SuryaJyotiSuryaJyoti Three 20 Dhan Bahar Jeevan Beema (J-320 Money Back)Money-backCompare

Annual premium

Rs 23,800/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

12–21 yr

Entry age

18–58

Features

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Sum assured returned in three installments (33%/33%/34%+bonus)
5% of SA paid annually for 20 years after maturity
Guaranteed total return of 200% of sum assured
Terms of 12, 15, 18 or 21 years

Money-back plan returning the sum assured in three installments during the term, then 5% of SA annually for 20 years after maturity; total guaranteed 200% of SA.

Plan details

Sum assured returned in three installments (33%/33%/34%+bonus)
5% of SA paid annually for 20 years after maturity
Guaranteed total return of 200% of sum assured
Terms of 12, 15, 18 or 21 years
Single or regular premium options

Himalayan LifeHimalayan Life Sulav Money BackMoney-backCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

12–25 yr

Entry age

18–58

Features

Bonus: —

Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
Escalating death benefit up to 3x sum assured plus bonus in later years
Single or limited (9/12/16/20 yr) premium options
Low entry sum assured NPR 50,000

Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.

Plan details

Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
Escalating death benefit up to 3x sum assured plus bonus in later years
Single or limited (9/12/16/20 yr) premium options
Low entry sum assured NPR 50,000
ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Asian Life15 Yrs Money Back PlusMoney-backCompare

Annual premium

Rs 42,330/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

15 yr

Entry age

18–65

Features

Bonus: Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs in force)

15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
Reversionary and terminal bonus
Surrender after 3 yrs
Loan available

15-year money-back plan paying 25% of SA at years 5 and 10, and 50% plus bonus at maturity; loan and surrender available.

Plan details

15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
Reversionary and terminal bonus
Surrender after 3 yrs
Loan available
Participating plan

Nepal LifeNaulo Jeevan Sambriddhi Jeevan Beema YojanaMoney-backCompare

Annual premium

Rs 41,601/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–60

Features

Bonus: Rs 56 per 1,000 sum assured/yr (advance-payment, FY 2081/82)

Periodic survival (money-back) benefits during term
Balance SA + bonus at maturity
Full life cover maintained through term
Optional accident and critical-illness riders

Anticipated/money-back plan in NLIC's advance-payment range with periodic survival benefits and bonus.

Plan details

Periodic survival (money-back) benefits during term
Balance SA + bonus at maturity
Full life cover maintained through term
Optional accident and critical-illness riders
Loan up to 90% of surrender value

Himalayan LifeHimalayan Money Back Cum Whole Life PlanMoney-backCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–60

Features

Bonus: —

Staggered money-back, e.g. 30%/30%/40% over a 10-year term
Whole-life cover: sum assured paid on survival to age 99
Sum assured plus accrued bonus on death during term
Accidental death benefit up to NPR 1 crore plus accrued bonus

Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.

Plan details

Staggered money-back, e.g. 30%/30%/40% over a 10-year term
Whole-life cover: sum assured paid on survival to age 99
Sum assured plus accrued bonus on death during term
Accidental death benefit up to NPR 1 crore plus accrued bonus
Loan facility after 3 years of premiums paid

Asian LifeAnnual Repay Moneyback PlanMoney-backCompare

Annual premium

On request

Claim ratio

98.85%

Sum assured

Rs 2.5 lakh

Policy term

10–20 yr

Entry age

18–60

Features

Bonus: Simple Reversionary Bonus + Terminal Bonus (10+ yr policies)

Pays 5% of SA every year as survival benefit
Survival benefit offset against renewal premium
Min SA Rs 250,000
Terms 10-20 yrs

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Annual money-back plan returning 5% of SA each year; min SA Rs 250,000, terms 10-20 yrs, no loan facility.

Plan details

Pays 5% of SA every year as survival benefit
Survival benefit offset against renewal premium
Min SA Rs 250,000
Terms 10-20 yrs
No policy loan available

Himalayan LifeHimalayan Jeevan Utthan Insurance PlanMoney-backCompare

Annual premium

Rs 41,145/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

9–18 yr

Entry age

18–50

Features

Bonus: —

Survival benefit (percentage of SA) paid during the policy term
Accrued bonus paid as maturity benefit
Sum assured plus accrued bonus on death
Accidental death benefit equal to SA or NPR 1 crore (lower)

Money-back plan with periodic survival benefits, available over 9/12/15/18-year terms with low NPR 50,000 entry.

Plan details

Survival benefit (percentage of SA) paid during the policy term
Accrued bonus paid as maturity benefit
Sum assured plus accrued bonus on death
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments

Himalayan LifeHimalayanLife Dhan SagarMoney-backCompare

Annual premium

Rs 41,580/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

15–20 yr

Entry age

18–50

Features

Bonus: —

15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
Full basic sum assured plus vested bonus on death
Low entry sum assured NPR 50,000

Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.

Plan details

15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
Full basic sum assured plus vested bonus on death
Low entry sum assured NPR 50,000
ADB up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Himalayan LifeHimalayan Jeewan UpaharMoney-backCompare

Annual premium

Rs 47,250/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

16 yr

Entry age

18–54

Features

Bonus: —

Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
ADB and TPD riders up to NPR 1 crore

Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.

Plan details

Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
ADB and TPD riders up to NPR 1 crore
CI up to NPR 25 lakh, PA up to NPR 50 lakh

Insurance

Premiums shown are illustrative samples (typically age 30, base plan) for comparison; your actual premium depends on age, sum assured, term and riders. Claim-settlement ratio is the latest published figure. Confirm with the insurer before buying.

Compiled from each insurer's published plan brochures and NIA disclosures.