Citizen Life Insurance Company Limited is a Nepali life insurer established in 2017, offering a range of endowment, money-back, child, pension and term life plans through a nationwide branch network.
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शाखा
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एटीएम
10
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (10)
Citizen Child Future Plan Plus
बाल
Child savings-and-protection plan building a sum assured plus bonus for the child's future, with a risk-deferment period and premium-waiver protection for the parent.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
25 yrs
वार्षिक प्रिमियम
Rs 21,980/yr
प्रिमियम अवधि
Regular, Limited or Single
बोनस
Vested bonus declared annually (rate not published)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Child savings-and-protection plan building a sum assured plus bonus for the child's future, with a risk-deferment period and premium-waiver protection for the parent.
राइडर: Premium Waiver Benefit (PWB)Accidental Death Benefit (ADB)Permanent Total Disability (PTD)
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonus payable at maturity if the child survives.
सरेन्डर: Surrender/paid-up value as admissible.
बहिष्करण: Deferment of child risk until 2 years from commencement or age 6; standard suicide/contestability exclusions.
Citizen Endowment Plus Insurance Plan
एन्डोमेन्ट
With-profit endowment plan combining savings and protection, paying enhanced death benefit (2x natural / 3x accidental) and sum assured plus bonus at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 21,980/yr
प्रिमियम अवधि
Regular (same as policy term) or Single
बोनस
Reversionary/vested bonus declared annually (rate not published)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live official premium calculator (https://citizenlifenepal.com/premium-calculator/), plan id=10. POST: age 30 (DOB 1996-06-22, A.D), Sum Assured Rs 500000, Policy Term 20, Paying Term 20, payMode=Y (Yearly), no riders. Server returned Basic
With-profit endowment plan combining savings and protection, paying enhanced death benefit (2x natural / 3x accidental) and sum assured plus bonus at maturity.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Monthly Income Benefit (MIB)Double Sum Assured (DSA)Funeral Expenses (FE)Critical Illness (CI)
योजना विवरण
परिपक्वता लाभ: Sum assured plus accrued bonus payable on survival to maturity.
सरेन्डर: Surrender/paid-up value as admissible after premiums paid for the required minimum period.
बहिष्करण: Standard life exclusions including suicide within the first policy year/contestability period.
Citizen Group Endowment Plan
एन्डोमेन्ट
With-profit group endowment combining life protection and savings for organisations, paying sum assured plus vested bonus at maturity (min NPR 400,000 per member).
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 21,980/yr
प्रिमियम अवधि
Single, or same as policy term (Annual/Half-yearly/Quarterly)
बोनस
Vested bonus declared annually (rate not published)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
With-profit group endowment combining life protection and savings for organisations, paying sum assured plus vested bonus at maturity (min NPR 400,000 per member).
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Permanent Partial Disability (PPD)Funeral Expenses (FE)Monthly Income Benefit (MIB)
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonus on survival to policy end.
सरेन्डर: Surrender value after 3 full years' premiums and 3 anniversaries; paid-up after 2 years. No policy loan.
बहिष्करण: Standard group life exclusions; no policy loan available.
Foreign Employment Term Life Policy
वैदेशिक रोजगार
Single-premium term life policy mandatory for Nepali migrant workers, providing death cover for terms up to 6.5 years with premiums ranging NPR 1,486-18,222 by age and term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–7 yrs
प्रवेश उमेर
18–64 yrs
वार्षिक प्रिमियम
Rs 1,486/yr
प्रिमियम अवधि
Single
वार्षिक प्रिमियम: Single-premium term cover for migrant workers; premium NPR 1,486 (1-yr, age 18-35) up to NPR 18,222 (6.5-yr, age 51-64); CI rider +NPR 400.
Single-premium term life policy mandatory for Nepali migrant workers, providing death cover for terms up to 6.5 years with premiums ranging NPR 1,486-18,222 by age and term.
राइडर: Critical Illness Rider (+NPR 400)
योजना विवरण
परिपक्वता लाभ: Pure term cover; no maturity/survival benefit (death benefit only).
सरेन्डर: No surrender value (pure term).
बहिष्करण: Pure term exclusions; standard suicide/contestability and policy schedule conditions apply.
Citizen Protection Plan
लघु
Group/micro protection plan issued to microfinance institutions and cooperatives to cover the lives of their members or borrowers.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 28,585/yr
प्रिमियम अवधि
Regular (group, renewable)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Group/micro protection plan issued to microfinance institutions and cooperatives to cover the lives of their members or borrowers.
योजना विवरण
परिपक्वता लाभ: Group protection cover; no maturity benefit.
सरेन्डर: No surrender value.
बहिष्करण: Standard group/micro exclusions per master policy.
Citizen Annual Money Back Insurance Plan
मनी-ब्याक
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 41,621/yr
प्रिमियम अवधि
Regular (Annual/Semi-Annual/Quarterly) or Single
बोनस
Reversionary/vested bonus declared annually (rate not published)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live official premium calculator, plan id=12. POST: age 30 (DOB 1996-06-22, A.D), SA Rs 500000, Policy Term 20, Paying Term 20, payMode=Y. Server returned Basic Premium Rs. 41621.00 Yearly. Rate/thousand = 41621/500 = 83.24.
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.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Monthly Income Benefit (MIB)Funeral Expense (FE)Citizen Critical Care (CI)
योजना विवरण
परिपक्वता लाभ: Remaining sum assured (after deducting survival benefits paid) plus vested bonus at maturity.
सरेन्डर: Paid-up value and cash surrender value as admissible.
बहिष्करण: Standard life exclusions including suicide within the contestability period.
Citizen Regular Pay Money Back Insurance Plan
मनी-ब्याक
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–21 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 41,621/yr
प्रिमियम अवधि
Regular (same as policy term, or up to death if earlier)
बोनस
Reversionary bonus declared annually (rate not published)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live official premium calculator, plan id=12. POST: age 30 (DOB 1996-06-22, A.D), SA Rs 500000, Policy Term 20, Paying Term 20, payMode=Y. Server returned Basic Premium Rs. 41621.00 Yearly. Rate/thousand = 41621/500 = 83.24.
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.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Monthly Income Benefit (MIB)Funeral Expense (FE)Critical Illness (CI)
योजना विवरण
परिपक्वता लाभ: 45% of sum assured plus reversionary bonus paid at maturity (after periodic survival payouts).
सरेन्डर: Surrender value as admissible; policy loan up to 90% of surrender value.
बहिष्करण: Standard life exclusions including suicide within the contestability period.
Citizen Group Term Insurance Plan
टर्म
One-year renewable group term life plan for employer-employee groups under a single master policy, renewable up to age 64.
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
One-year renewable group term life plan for employer-employee groups under a single master policy, renewable up to age 64.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)
योजना विवरण
परिपक्वता लाभ: Pure term group cover; no maturity benefit.
सरेन्डर: No surrender value (pure term).
बहिष्करण: Pure term group exclusions per master policy; standard suicide/war conditions.
Citizen Savings Growth Plan
युनिट-लिंक्ड
Universal/account-value life plan blending protection with savings growth, paying the Account Value at maturity plus a guaranteed 3% loyalty bonus.
बीमाङ्क
Rs 1.2 lakh
पोलिसी अवधि
10–20 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 12,000/yr
प्रिमियम अवधि
Regular or Single
बोनस
Guaranteed loyalty bonus of 3% of Account Value added at maturity
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Universal life: min regular premium NPR 12,000/yr (min SA NPR 120,000); single premium NPR 30,000 (min SA NPR 37,500).
Universal/account-value life plan blending protection with savings growth, paying the Account Value at maturity plus a guaranteed 3% loyalty bonus.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)
योजना विवरण
परिपक्वता लाभ: Account Value as on maturity date payable if life assured survives.
सरेन्डर: Surrender value available after 3 full policy years / 3 policy anniversaries.
बहिष्करण: Coverage limited to Account Value for suicide within 2 years, war, unlicensed aviation and criminal activities.
Citizen Jeevan Sarathi Yojana
होल लाइफ
Whole-life/retirement plan with limited premium payment, providing lifelong cover to age 90, periodic survival income (20% of SA from age 70) and sum assured plus bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
30–72 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
90 yrs
वार्षिक प्रिमियम
Rs 28,587/yr
प्रिमियम अवधि
Limited (5 to 47 years), premiums end by age 65; or Single
बोनस
Reversionary/vested bonus declared annually (rate not published)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live official premium calculator, plan id=6 (long-term protection + maturity/money-back plan). POST: age 30 (DOB 1996-06-22, A.D), SA Rs 500000, Policy Term 20, Paying Term 20, payMode=Y. Server returned Basic Premium Rs. 28587.00 Yearly. R
Whole-life/retirement plan with limited premium payment, providing lifelong cover to age 90, periodic survival income (20% of SA from age 70) and sum assured plus bonus.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus at end of premium term; periodic survival payouts of 20% of sum assured at ages 70/75/80/85/90.
सरेन्डर: Surrender value as admissible; loan up to 90% of surrender value after 3 years.
बहिष्करण: Standard life exclusions including suicide within the contestability period.
About Citizen Life
Citizen Life Insurance Company Limited received its operating license on 23 August 2017 and commenced operations on 19 October 2017. It is a 70:30 public limited company whose promoters include Kantipur Media Group, Shikhar Insurance, and business houses across aviation, banking, manufacturing, pharmaceuticals, finance, hospitality and real estate, with authorized, issued and paid-up capital each of NPR 5 billion. The company operates from its head office at LS Complex, Thapathali, Kathmandu and serves over 900,000 policyholders through a network of about 135 branches/sub-branches and more than 38,000 agents. It is reinsured by Nepal Reinsurance Co. Ltd. and Himalayan Re, and is ISO 9001:2015 certified.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
