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
शाखा
—
एटीएम
22
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (22)
Himalayan Anmol Ratna Bal (Sawadhik) Jeevan Beema
बाल
Children's endowment with premium-waiver and income benefit on parent's death, maturity around child's adulthood.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–27 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
27 yrs
वार्षिक प्रिमियम
Rs 25,720/yr
प्रिमियम अवधि
Regular; yearly/half-yearly/quarterly
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental death/permanent disability (50% of rider SA)Funeral expenses (25% of rider SA)
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonus
सरेन्डर: Surrender value, paid-up value available
Himalayan Endowment Plan
एन्डोमेन्ट
Traditional with-profits endowment with flexible 5-59 year term and built-in accidental/disability riders.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–59 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,225/yr
प्रिमियम अवधि
Regular (equal to policy term); modes monthly/quarterly/half-yearly/yearly
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
योजना विवरण
परिपक्वता लाभ: Sum Assured + accrued bonus
सरेन्डर: Surrender/paid-up value available as per policy terms
Himalayan Jeevan Aawaran Insurance Plan
एन्डोमेन्ट
Endowment with enhanced death cover (additional sum assured) and monthly-income/TPD benefits.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
7–25 yrs
प्रवेश उमेर
18–50 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,400/yr
प्रिमियम अवधि
Regular (same as policy term); yearly or half-yearly
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB)Premium Waiver Benefit (PWB)Monthly Income Benefit (MIB)Critical Illness (CI)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus vested bonus up to maturity
सरेन्डर: Surrender/paid-up value as per company rules
Himalayan Jeevan Sampanna
एन्डोमेन्ट
Flexible-premium endowment with single or limited-pay options and rich term/PPT matrix.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
18–60 yrs
वार्षिक प्रिमियम
Rs 29,400/yr
प्रिमियम अवधि
Single or Limited (5/10/15/20 yrs) depending on term
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Monthly Income Benefit
योजना विवरण
परिपक्वता लाभ: Sum Assured + vested bonus
सरेन्डर: Surrender value and paid-up value available
HimalayanLife Saral Beema
एन्डोमेन्ट
Simple low-cost with-profits endowment with low minimum sum assured and wide term range.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–49 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 24,980/yr
प्रिमियम अवधि
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
वार्षिक प्रिमियम: 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.
परिपक्वता लाभ: Accrued bonus payable as maturity benefit (survival benefits paid during term)
सरेन्डर: Surrender/paid-up value as per company rule
Himalayan Jeewan Upahar
मनी-ब्याक
Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16 yrs
प्रवेश उमेर
18–54 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 47,250/yr
प्रिमियम अवधि
Regular
वार्षिक प्रिमियम: 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.
राइडर: 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
योजना विवरण
परिपक्वता लाभ: 25% of base plan sum assured plus 100% of UPAHAR companion plan sum assured, plus bonuses on both policies
सरेन्डर: As per policy
HimalayanLife Dhan Sagar
मनी-ब्याक
Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–20 yrs
प्रवेश उमेर
18–50 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 41,580/yr
प्रिमियम अवधि
Regular; yearly/half-yearly/quarterly/monthly
वार्षिक प्रिमियम: 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.
राइडर: 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
योजना विवरण
परिपक्वता लाभ: 50% of SA plus vested bonus (15-yr) or 40% of SA plus vested bonus (20-yr)
सरेन्डर: As per policy
HimalayanLife Naari Jeewan Beema
मनी-ब्याक
Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16–25 yrs
प्रवेश उमेर
18–54 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 32,495/yr
प्रिमियम अवधि
Regular (equal to policy term); yearly/half-yearly/quarterly
वार्षिक प्रिमियम: 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.
राइडर: 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
योजना विवरण
परिपक्वता लाभ: 60% of sum assured plus bonus
सरेन्डर: As per policy
Himalayan Life Sulav Money Back
मनी-ब्याक
Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–25 yrs
प्रवेश उमेर
18–58 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 36,850/yr
प्रिमियम अवधि
Single or Limited (9/12/16/20 yrs)
वार्षिक प्रिमियम: 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.
राइडर: 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
योजना विवरण
परिपक्वता लाभ: Final survival installment (60%/40%/30% by term) plus accrued bonus
सरेन्डर: As per policy
Himalayan Money Back Cum Whole Life Plan
मनी-ब्याक
Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 36,850/yr
प्रिमियम अवधि
Limited (10/15/20/25 yrs)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB) up to NPR 1 crorePermanent Whole Disability (PWB)Permanent Total Disability (PTD)
योजना विवरण
परिपक्वता लाभ: Final survival installment plus vested bonus (e.g. 40% at year 10 for 10-yr term)
सरेन्डर: As per policy
HimalayanLife Pension Plan
पेन्सन
Deferred pension/annuity plan converting maturity proceeds into a lifetime income.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–54 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,950/yr
प्रिमियम अवधि
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
वार्षिक प्रिमियम: 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.
राइडर: 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
योजना विवरण
परिपक्वता लाभ: Basic sum assured plus vested bonus, with option to convert into immediate annuity (pension)
सरेन्डर: As per policy
Himalayan Surakshit Bhavisya Jeevan Beema Yojana
पेन्सन
Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 26,275/yr
प्रिमियम अवधि
Limited (premiums paid during PPT, pension thereafter)
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB) up to NPR 50 lakhTotal Permanent Disability/Premium Waiver up to NPR 50 lakh
योजना विवरण
परिपक्वता लाभ: 6% of sum assured paid annually after premium paying term until age 99; full sum assured at age 100 or on death
सरेन्डर: As per policy
Himalayan Life New Term Assurance
टर्म
Pure-protection term assurance with optional ADB, critical illness and personal accident riders.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 1,250/yr
प्रिमियम अवधि
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB) up to NPR 5 lakhCritical Illness (CI) up to NPR 25 lakhPersonal Accident (PA) up to NPR 50 lakh
योजना विवरण
परिपक्वता लाभ: Nil (pure protection, no survival benefit)
सरेन्डर: Nil / no surrender value (pure term)
Himalayan One Year's Renewable Group Term Assurance (YRGT)
टर्म
Annually-renewable group term life cover for employer/affinity groups of 25+ members.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–64 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 1,250/yr
प्रिमियम अवधि
Regular (yearly, annually renewable)
वार्षिक प्रिमियम: 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.
योजना विवरण
परिपक्वता लाभ: Nil
सरेन्डर: Nil (pure one-year group term)
Himalayan Endowment Cum Whole Life Insurance Plan
होल लाइफ
Endowment combined with whole-life cover, paying at maturity and again on survival to age 100.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–59 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,500/yr
प्रिमियम अवधि
Regular; monthly/quarterly/half-yearly/yearly
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB)Premium Waiver Benefit (PWB)Permanent Total Disability (PTD)
योजना विवरण
परिपक्वता लाभ: Sum Assured + accrued bonus at maturity; sum assured again on survival to age 100
सरेन्डर: Paid-up and surrender value available
HimalayanLife Jeewan Surakshya
होल लाइफ
Endowment-cum-whole-life plan with continued accidental death cover after maturity up to age 70.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–54 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,140/yr
प्रिमियम अवधि
Regular (equal to policy term); yearly/half-yearly/quarterly/monthly
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB) up to NPR 1 croreCritical Illness up to NPR 25 lakhPersonal Accident up to NPR 50 lakh
योजना विवरण
परिपक्वता लाभ: Full sum assured plus bonus
सरेन्डर: As per policy
Himalayan Limited Payment (Endowment Cum Whole Life) Plan
होल लाइफ
Limited-pay endowment-cum-whole-life plan that keeps cover in force after a short premium-paying period.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 47,825/yr
प्रिमियम अवधि
Single or Limited (1/5/10/15/20/25 yrs depending on term)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB)Monthly Income Benefit (MIB)Premium Waiver Benefit (PWB)Total Permanent Disability (TPD)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus vested bonus up to maturity
सरेन्डर: 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.
