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जीवन बीमा — पोलिसी तुलना

हामीले फेला पार्‍यौं 210 उत्पादन

नेपालका १४ जीवन बीमकका एन्डोमेन्ट, टर्म, होल-लाइफ, बाल र पेन्सन योजना। नेपाल बीमा प्राधिकरण (NIA) ले १४ जीवन र १४ निर्जीवन बीमक इजाजत दिएको छ। प्रिमियम, बीमाङ्क, अवधि, प्रवेश उमेर र दाबी भुक्तानी अनुपातका आधारमा पोलिसी तुलना गर्नुहोस्।

जीवन बीमा निर्जीवन बीमा

सबै बीमक →

सुरक्षा योजना

योजना प्रकारयोजना

टर्म29थप हेर्नुहोस्

एन्डोमेन्ट68थप हेर्नुहोस्

होल लाइफ24थप हेर्नुहोस्

बचत र परिवार

योजना प्रकारयोजना

मनी-ब्याक39थप हेर्नुहोस्

बाल22थप हेर्नुहोस्

पेन्सन7थप हेर्नुहोस्

थप योजना

योजना प्रकारयोजना

युनिट-लिंक्ड1थप हेर्नुहोस्

वैदेशिक रोजगार7थप हेर्नुहोस्

लघु13थप हेर्नुहोस्

क्रमबद्धकम्पनीन्यून दाबी अनुपातअधिकतम प्रिमियमयोग्य उमेरपोलिसी विरुद्ध कर्जा

7 मिल्दो

Citizen LifeForeign Employment Term Life Policyवैदेशिक रोजगारन्यूनतम प्रिमियमतुलना

वार्षिक प्रिमियम

Rs 1,486 once

दाबी अनुपात

93.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1–7 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Compulsory term life cover for those going abroad for foreign employment
Terms of 1 to 6.5 years available
Premium banded by age group (18-35, 36-50, 51-64)
Single-premium pure protection

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.

योजना विवरण

Compulsory term life cover for those going abroad for foreign employment
Terms of 1 to 6.5 years available
Premium banded by age group (18-35, 36-50, 51-64)
Single-premium pure protection
Optional critical illness rider

IME LifeIME Foreign Employment Term Planवैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

Rs 1,486 once

दाबी अनुपात

79.9%

बीमाङ्क

Rs 10 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Fixed Rs 10,00,000 sum assured on death
Funeral expense Rs 1,00,000 and repatriation expense Rs 1,00,000
Loss of income benefit Rs 2,00,000
Permanent total disability Rs 10,00,000; temporary partial disability up to Rs 5,00,000

The Foreign Employment Term Life Policy is a compulsory, single-premium term life insurance that every Nepali going abroad for work must buy before the Department of Foreign Employment (DoFE) issues a labour permit / e-Sticker. It is sold only by Nepal Insurance Authority (NIA)-licensed life insurers (currently around 10 companies such as Nepal Life, IME Life, Citizen Life, SuryaJyoti and Reliable Life) under a government-standardised benefit structure. It pays a fixed sum assured of NPR 1,000,000 on death, plus add-ons for funeral expenses, body repatriation, loss of income, accidental disability, critical illness and emergency medical costs faced by the migrant worker during the contract period. The term is bought to match the employment contract (roughly 1 to 6.5 years, usually contract plus 6 months) and is renewed each time the worker's permit is renewed.

योजना विवरण

Fixed Rs 10,00,000 sum assured on death
Funeral expense Rs 1,00,000 and repatriation expense Rs 1,00,000
Loss of income benefit Rs 2,00,000
Permanent total disability Rs 10,00,000; temporary partial disability up to Rs 5,00,000
Medical reimbursement up to Rs 1,00,000
Term up to 6.5 years matching foreign employment contract

Prabhu MahalaxmiForeign Employment Term Insuranceवैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

98.33%

बीमाङ्क

Rs 10 lakh

पोलिसी अवधि

1–7 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Mandatory life cover for Nepali workers on foreign employment
Single premium covering the employment-contract period
Death and disability benefit while working abroad
Sold under Department of Foreign Employment scheme terms

Mandatory term life cover for Nepali migrant workers going abroad on foreign employment, sold under the government foreign-employment insurance scheme.

योजना विवरण

Mandatory life cover for Nepali workers on foreign employment
Single premium covering the employment-contract period
Death and disability benefit while working abroad
Sold under Department of Foreign Employment scheme terms
Term/short-duration cover with no maturity value

Reliable LifeForeign Employment Term Life Insuranceवैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

97.92%

बीमाङ्क

Rs 10 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

विशेषता

बोनस: —

Single-premium term cover for 1-6 year foreign-employment period
Accidental and natural death coverage abroad
Total & Permanent Disability (accident or sickness) benefit
Daily hospitalization cash for critical illness/accident treatment

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

Compulsory single-premium term cover for Nepali migrant workers going abroad; covers death, disability, hospitalization.

योजना विवरण

Single-premium term cover for 1-6 year foreign-employment period
Accidental and natural death coverage abroad
Total & Permanent Disability (accident or sickness) benefit
Daily hospitalization cash for critical illness/accident treatment
Mandatory for Nepali workers going overseas

निःशुल्क उपकरण

आफ्नो मासिक EMI सेकेन्डमै निकाल्नुहोस्

रकम, दर र अवधि हाल्नुहोस् — आवेदन गर्नुअघि किस्ता हेर्नुहोस्।

EMI गणना गर्नुहोस्→

SuryaJyotiSuryaJyoti Baideshik Rojgar Myadi Jeevan Beema (Foreign Employment Term)वैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

Rs 3,924 once

दाबी अनुपात

97.5%

बीमाङ्क

Rs 10 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Fixed sum assured Rs 10,00,000
Terms from 1.0 to 6.6 years matching contract periods
Built-in critical illness cover Rs 500,000
Funeral expenses Rs 100,000 and body repatriation Rs 100,000

Single-premium term plan for Nepali foreign-employment workers covering death, disability, repatriation and related benefits.

योजना विवरण

Fixed sum assured Rs 10,00,000
Terms from 1.0 to 6.6 years matching contract periods
Built-in critical illness cover Rs 500,000
Funeral expenses Rs 100,000 and body repatriation Rs 100,000
Loss of income Rs 200,000 and medical reimbursement Rs 100,000
Disability benefit 5-100% of basic coverage

National LifeBaideshik Rojgar Jeevan Beema (Foreign Employment Term)वैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Sum assured Rs 5,00,000 paid on death during term
Body repatriation cover up to Rs 1,00,000 (actual or Rs 1L, whichever lower)
Disability: 100% SA for total/permanent disability, 50% for loss of one limb/eye/hearing
Single one-time premium

Mandatory single-premium term cover for Nepalis going abroad for work (per Overseas Employment Act 2064); pays sum assured on death plus disability and body-repatriation benefits.

योजना विवरण

Sum assured Rs 5,00,000 paid on death during term
Body repatriation cover up to Rs 1,00,000 (actual or Rs 1L, whichever lower)
Disability: 100% SA for total/permanent disability, 50% for loss of one limb/eye/hearing
Single one-time premium
Compulsory under Overseas Employment Act 2064

Rastriya JeevanForeign Employment Plan (Baideshik Rojgar Jeevan Beema Yojana)वैदेशिक रोजगारतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

—

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Term life cover required for Nepali workers taking up foreign employment
Single one-time premium of about Rs 3,500-5,500 depending on age
Covers death and disability during the foreign-employment period (typically up to ~4 years)
Provides financial support to dependents back home on death or disability

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.

योजना विवरण

Term life cover required for Nepali workers taking up foreign employment
Single one-time premium of about Rs 3,500-5,500 depending on age
Covers death and disability during the foreign-employment period (typically up to ~4 years)
Provides financial support to dependents back home on death or disability
Regulatory code NIA/LI010/2074/075/TEP/0065 (approved 2017-09-07)

बीमा

देखाइएको प्रिमियम तुलनाका लागि नमूना (सामान्यतया उमेर ३०, आधार योजना) हुन्; वास्तविक प्रिमियम उमेर, बीमाङ्क, अवधि र राइडरमा निर्भर हुन्छ। दाबी अनुपात पछिल्लो प्रकाशित अंक हो। किन्नुअघि बीमकसँग पुष्टि गर्नुहोस्।

प्रत्येक बीमकको प्रकाशित योजना विवरण र NIA खुलासाबाट संकलित।