Rastriya Jeevan Beema Company Limited is Nepal's first and only state-owned life insurance company, offering a full range of endowment, term, whole-life, money-back, child and group life plans.
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शाखा
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एटीएम
13
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (13)
Bal Umang Chhori Beema Lekh
बाल
Endowment plan for daughters, launched with local governments to support health and education of girls from underprivileged families; pays a lump-sum maturity benefit when the girl reaches age 18.
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment plan for daughters, launched with local governments to support health and education of girls from underprivileged families; pays a lump-sum maturity benefit when the girl reaches age 18.
योजना विवरण
परिपक्वता लाभ: Lump-sum maturity benefit when the insured daughter reaches age 18, for education and welfare
बहिष्करण: Eligibility limited to qualifying daughters/families per scheme rules; standard non-disclosure exclusions
Children's Marriage and Education Endowment Life Assurance
बाल
Endowment plan taken by a parent/proposer on a child to build a guaranteed fund for the child's education and marriage, with a premium-waiver safeguard if the proposer dies.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
0–15 yrs
परिपक्वता उमेर
25 yrs
वार्षिक प्रिमियम
Rs 23,585/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Official rbs.gov.np premium calculator: age 30, SA Rs 5,00,000, 20-yr term, 20-yr paying term, annual mode (exact standard profile)
Endowment plan taken by a parent/proposer on a child to build a guaranteed fund for the child's education and marriage, with a premium-waiver safeguard if the proposer dies.
राइडर: Premium Waiver Benefit (on death of proposer)Accidental Death Benefit
योजना विवरण
परिपक्वता लाभ: Lump-sum (sum assured plus bonuses) at maturity timed to the child's higher education / marriage
सरेन्डर: Surrender value after 3 full policy years and 3 premiums
बहिष्करण: Suicide within first policy year (where life cover applies to proposer); fraud / non-disclosure
Children's Plan 'Watsalya'
बाल
Anticipated-endowment child plan: the child is the insured; from the policy anniversary after age 16, 20% of sum assured is paid each year for 5 years, with accrued bonus paid as a lump sum after age 22.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16–22 yrs
प्रवेश उमेर
0–8 yrs
परिपक्वता उमेर
22 yrs
वार्षिक प्रिमियम
Rs 23,250/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 65 per 1,000 sum assured per year (all policy periods)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Anticipated-endowment child plan: the child is the insured; from the policy anniversary after age 16, 20% of sum assured is paid each year for 5 years, with accrued bonus paid as a lump sum after age 22.
राइडर: Premium Waiver Benefit (extra premium, on death of proposer)
योजना विवरण
परिपक्वता लाभ: 20% of sum assured paid annually for 5 consecutive years from the anniversary after the child turns 16; accrued bonus paid as lump sum at the anniversary after age 22
सरेन्डर: Surrender value after 3 full policy years; loan up to 90% of surrender value after 3 years
बहिष्करण: Fraud / non-disclosure; standard child-plan conditions
Endowment Life Assurance
एन्डोमेन्ट
Core individual savings-plus-protection plan: pays sum assured plus vested bonuses on maturity, or sum assured plus accrued bonus on death within the term. Available on limited-pay terms.
Rs 60 per 1,000 sum assured per year (FY 2080/81; reversionary, varies with actuarial valuation)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Official rbs.gov.np premium calculator: age 30, SA Rs 5,00,000, 20-yr term, 20-yr paying term, annual mode (exact standard profile, no scaling)
Core individual savings-plus-protection plan: pays sum assured plus vested bonuses on maturity, or sum assured plus accrued bonus on death within the term. Available on limited-pay terms.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus all vested/accrued bonuses paid as lump sum on survival to end of term
सरेन्डर: Acquires surrender value after 3 full policy years and 3 full premiums; surrender value approx 80% of premiums paid (excluding rider premiums) plus vested bonus thereafter
बहिष्करण: Suicide within the first policy year; death due to non-disclosure/fraud or breach of policy conditions
Group Endowment Life Assurance (incl. Rastra Sewak / Public Servants Collective Endowment)
एन्डोमेन्ट
Group savings-plus-protection endowment for organisations and government employees (Rastra Sewak), combining life cover with maturity benefits; premiums often via salary deduction and structured by group size/risk.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
16–60 yrs
परिपक्वता उमेर
60 yrs
वार्षिक प्रिमियम
Rs 24,845/yr
प्रिमियम अवधि
Regular (often via salary deduction for public servants)
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Group savings-plus-protection endowment for organisations and government employees (Rastra Sewak), combining life cover with maturity benefits; premiums often via salary deduction and structured by group size/risk.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonuses at maturity/retirement; death cover during service
सरेन्डर: Per group policy terms; surrender value typically after 3 years
बहिष्करण: Suicide within first policy year; fraud / non-disclosure; standard group eligibility conditions
Jeevan Bandhu (Double Benefit Life Insurance Plan)
एन्डोमेन्ट
Flagship double-benefit plan combining endowment and whole-life features: pays a benefit at end of term if the insured survives and a further benefit to nominees on death, so coverage continues beyond the term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
11–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 27,146/yr
प्रिमियम अवधि
Limited / Regular
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Official rbs.gov.np premium calculator: age 30, SA Rs 5,00,000, 20-yr term, 20-yr paying term, annual mode (exact standard profile)
Flagship double-benefit plan combining endowment and whole-life features: pays a benefit at end of term if the insured survives and a further benefit to nominees on death, so coverage continues beyond the term.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Benefit payable at end of policy term on survival; coverage and a further death benefit continue to the nominee beyond the term (double benefit)
सरेन्डर: Surrender value after 3 full policy years and 3 premiums; loan up to 90% of surrender value
बहिष्करण: Suicide within first policy year; material non-disclosure or fraud
Jeevan Surakshya
एन्डोमेन्ट
Endowment-class protection-and-savings plan; one of the company's named individual endowment variants providing maturity payout with bonus plus death cover during the term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
16–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 23,251/yr
प्रिमियम अवधि
Limited / Regular
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Official rbs.gov.np premium calculator: age 30, SA Rs 5,00,000, 20-yr term, 20-yr paying term, annual mode (exact standard profile)
Endowment-class protection-and-savings plan; one of the company's named individual endowment variants providing maturity payout with bonus plus death cover during the term.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonuses on survival to maturity
सरेन्डर: Surrender value after 3 full policy years and 3 premiums
बहिष्करण: Suicide within first policy year; fraud / non-disclosure
Joint Life Plan (Jeevan Sathi)
एन्डोमेन्ट
Single endowment policy covering two lives (typically husband and wife, both gainfully employed); one policy, one premium covers the couple, with sum assured plus bonus paid on death of either/both or at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,845/yr
प्रिमियम अवधि
Regular (yearly / half-yearly / quarterly)
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single endowment policy covering two lives (typically husband and wife, both gainfully employed); one policy, one premium covers the couple, with sum assured plus bonus paid on death of either/both or at maturity.
राइडर: Accidental Death BenefitPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonuses on survival; on death of both lives during term, full sum assured plus vested bonus to nominee
सरेन्डर: Loan/paid-up available after policy acquires surrender value (after 3 years)
बहिष्करण: Suicide within first policy year; fraud or non-disclosure
Foreign Employment Plan (Baideshik Rojgar Jeevan Beema Yojana)
वैदेशिक रोजगार
Mandatory term-style cover for Nepali migrant workers going abroad, providing protection against death, disability and related risks during the foreign-employment period; regulatory code NIA/LI010/2074/075/TEP/0065.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–6 yrs
प्रवेश उमेर
18–64 yrs
प्रिमियम अवधि
Single (one-time, for the contract/employment period)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Mandatory term-style cover for Nepali migrant workers going abroad, providing protection against death, disability and related risks during the foreign-employment period; regulatory code NIA/LI010/2074/075/TEP/0065.
परिपक्वता लाभ: None — pure term/risk cover for the foreign-employment period
सरेन्डर: None (single-premium term cover)
बहिष्करण: Death from causes excluded under foreign-employment policy (e.g. self-inflicted, certain war/conflict zones, drug/alcohol-related per terms)
Micro Insurance (Laghu Beema)
लघु
Low-cost, simplified life cover aimed at low-income and rural households, with small sum-assured limits and minimal underwriting in line with Nepal Insurance Authority micro-insurance directives.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–15 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 1,375/yr
प्रिमियम अवधि
Regular (low frequency, small premiums)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Low-cost, simplified life cover aimed at low-income and rural households, with small sum-assured limits and minimal underwriting in line with Nepal Insurance Authority micro-insurance directives.
योजना विवरण
परिपक्वता लाभ: Small lump-sum or return-of-premium type benefit per the specific micro product
सरेन्डर: Limited, per micro-insurance rules
बहिष्करण: Suicide within first policy year; fraud / non-disclosure; standard micro-policy conditions
Anticipated Endowment Life Assurance (Money Back Plan)
मनी-ब्याक
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yrs
प्रवेश उमेर
16–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 30,600/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Official rbs.gov.np premium calculator: age 30, SA Rs 5,00,000, 20-yr term, 20-yr paying term, annual mode (exact standard profile)
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.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Periodic survival benefits (instalments of sum assured, e.g. 20% at fixed intervals) during the term, with the remaining sum assured plus accrued bonus at maturity
सरेन्डर: Surrender/paid-up value after 3 full policy years; loan up to 90% of surrender value after 3 years
बहिष्करण: Suicide within first policy year; fraud / non-disclosure
Term Life Assurance
टर्म
Pure protection plan providing high life cover for a chosen term at low premium; pays the sum assured to nominees on death within the term, with no maturity/savings value on survival.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
16–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 1,375/yr
प्रिमियम अवधि
Regular / Single
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure protection plan providing high life cover for a chosen term at low premium; pays the sum assured to nominees on death within the term, with no maturity/savings value on survival.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: None — pure term cover, no survival/maturity payout
सरेन्डर: Generally none (pure protection, no cash value)
बहिष्करण: Suicide within first policy year; death from undisclosed pre-existing conditions, war, or hazardous activities per policy terms
Whole Life Assurance Plan
होल लाइफ
Lifelong protection plan that pays the sum assured plus accrued bonuses to nominees on death whenever it occurs, with limited or regular premium-paying options; lowest premium per unit of permanent cover.
बीमाङ्क
Rs 25,000
प्रवेश उमेर
16–60 yrs
परिपक्वता उमेर
100 yrs
प्रिमियम अवधि
Limited / Regular (premiums commonly payable to a fixed age)
बोनस
Rs 60 per 1,000 sum assured per year (FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Lifelong protection plan that pays the sum assured plus accrued bonuses to nominees on death whenever it occurs, with limited or regular premium-paying options; lowest premium per unit of permanent cover.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: No fixed maturity payout; sum assured plus vested bonuses paid to nominee on death (or at a notional age such as 100 if survived)
सरेन्डर: Surrender value after 3 full policy years; loan up to 90% of surrender value after 3 years
बहिष्करण: Suicide within first policy year; fraud / non-disclosure
About Rastriya Jeevan
Established in 1967 as Rastriya Beema Sansthan, it was Nepal's first insurance company and originally sold both life and non-life insurance until the Insurance Act 2049 B.S. restricted it to life business; it was later restructured into Rastriya Jeevan Beema Company Limited. It is wholly owned and operated by the Government of Nepal. The company operates through 23 organized branches across Nepal with a network of around 2,255 agents and reports more than 571,677 policyholders. Its head office is at Ramshahpath, Kathmandu (also referenced at Singha Durbar Plaza, 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.
