रू

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

13 मिल्दो

Asian LifeMicro Term Insurance (Laghu Myadi)लघुन्यूनतम प्रिमियमतुलना

वार्षिक प्रिमियम

Rs 1,125 once

दाबी अनुपात

98.85%

बीमाङ्क

Rs 3 lakh

पोलिसी अवधि

1–15 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Single-premium micro term cover
Death benefit = SA plus Rs 10,000 cremation expense
Accidental disability scale Rs 4,000-100,000
SA Rs 10,000-300,000

Single-premium micro term (SA Rs 10,000-300,000), term 1-15 yrs; death pays SA plus Rs 10,000 cremation expense.

योजना विवरण

Single-premium micro term cover
Death benefit = SA plus Rs 10,000 cremation expense
Accidental disability scale Rs 4,000-100,000
SA Rs 10,000-300,000
Term 1-15 yrs, entry 18-64

LIC NepalJeevan Madhurलघुतुलना

वार्षिक प्रिमियम

Rs 3,250 once

दाबी अनुपात

92.69%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1 yr

प्रवेश उमेर

18–69

विशेषता

बोनस: —

Death benefit equal to Sum Assured
Funeral expenses of 10% of Sum Assured
Accidental death benefit of additional Sum Assured
Permanent total disability benefit equal to Sum Assured

One-year single-premium micro-insurance term plan with funeral, accidental death and disability cover; no maturity benefit.

योजना विवरण

Death benefit equal to Sum Assured
Funeral expenses of 10% of Sum Assured
Accidental death benefit of additional Sum Assured
Permanent total disability benefit equal to Sum Assured
Aimed at micro-insurance/low-income segment
No surrender, paid-up or loan value

IME LifeIME Micro Term (One Year)लघुतुलना

वार्षिक प्रिमियम

Rs 1,315/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Death benefit full Sum Assured plus 10% funeral expense (capped Rs 50,000)
Accidental death: 100% SA plus 10% funeral expense (capped Rs 50,000)
Accidental total permanent disability: 100% Sum Assured
Affordable micro cover starting Rs 5,000 SA

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.

योजना विवरण

Death benefit full Sum Assured plus 10% funeral expense (capped Rs 50,000)
Accidental death: 100% SA plus 10% funeral expense (capped Rs 50,000)
Accidental total permanent disability: 100% Sum Assured
Affordable micro cover starting Rs 5,000 SA
One-year term renewable every year
No maturity benefit (pure protection)

Nepal LifeGramin Sawadhik Jeevan Beema Yojanaलघुतुलना

वार्षिक प्रिमियम

Rs 15,450/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 3 lakh

पोलिसी अवधि

5–49 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 56-60 per 1,000 sum assured/yr (micro/endowment range, FY 2081/82)

Micro-insurance endowment for rural/low-income segment
Sum assured Rs 10,000 to Rs 3,00,000
Maturity and death benefit = SA + bonus
Long terms up to 49 years

Rural micro-endowment with low premium; SA + bonus at maturity or death.

योजना विवरण

Micro-insurance endowment for rural/low-income segment
Sum assured Rs 10,000 to Rs 3,00,000
Maturity and death benefit = SA + bonus
Long terms up to 49 years
Loan up to 90% of surrender value

निःशुल्क उपकरण

आफ्नो मासिक EMI सेकेन्डमै निकाल्नुहोस्

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

EMI गणना गर्नुहोस्→

Reliable LifeReliable Micro Endowment Planलघुतुलना

वार्षिक प्रिमियम

Rs 22,990/yr

दाबी अनुपात

97.92%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–25 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Micro/short-term band Rs 31-35 per 1,000 sum assured/yr (FY 2080/81)

Micro-insurance for low-income households
Sum assured as low as Rs 10,000
Death = insured amount + accumulated bonus to nominee
Maturity = insured amount + accrued bonus

Low-cost micro-insurance endowment with very small sum assured (Rs 10,000-100,000) for low-income buyers.

योजना विवरण

Micro-insurance for low-income households
Sum assured as low as Rs 10,000
Death = insured amount + accumulated bonus to nominee
Maturity = insured amount + accrued bonus
Flexible yearly/half-yearly/quarterly/monthly premiums

Rastriya JeevanMicro Insurance (Laghu Beema)लघुतुलना

वार्षिक प्रिमियम

Rs 1,375/yr

दाबी अनुपात

—

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–15 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: —

Affordable life cover designed for low-income and rural households
Small capped sum assured (micro-insurance limits, up to about Rs 1 lakh)
Simplified enrolment and minimal underwriting
Aligned with Nepal Insurance Authority micro-insurance directives for financial inclusion

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

Affordable life cover designed for low-income and rural households
Small capped sum assured (micro-insurance limits, up to about Rs 1 lakh)
Simplified enrolment and minimal underwriting
Aligned with Nepal Insurance Authority micro-insurance directives for financial inclusion
Low, easy-to-pay premiums

Citizen LifeCitizen Protection Planलघुतुलना

वार्षिक प्रिमियम

Rs 28,585/yr

दाबी अनुपात

93.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1 yr

प्रवेश उमेर

—

विशेषता

बोनस: —

Group insurance plan for Micro Finance Institutions and Cooperatives
Provides life protection cover to members/borrowers
Single master policy issued to the institution
Suited to credit-life / member protection use cases

Group/micro protection plan issued to microfinance institutions and cooperatives to cover the lives of their members or borrowers.

Sun NepalMyadi Laghu Sanyukta Jeevan Beema Yojana (Joint Micro Term)लघुतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

98.71%

बीमाङ्क

Rs 10,000–Rs 3 lakh

पोलिसी अवधि

2–5 yr

प्रवेश उमेर

22–65

विशेषता

बोनस: Non-participating (no surrender or paid-up value)

Covers husband and wife under one policy
Full sum assured plus 10% funeral expense on death of either spouse
Accidental total permanent disability pays full sum assured in 120 monthly installments
Single premium, term 2-5 years

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

Single-premium joint (husband-wife) micro term plan; pays full sum assured plus 10% funeral expense on first death, no maturity benefit.

योजना विवरण

Covers husband and wife under one policy
Full sum assured plus 10% funeral expense on death of either spouse
Accidental total permanent disability pays full sum assured in 120 monthly installments
Single premium, term 2-5 years
Affordable micro cover Rs 10,000 to Rs 300,000

MetLifeRural Micro Insurance (Rural Credit Micro Term & Rural Term)लघुतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

85.23%

बीमाङ्क

Rs 5,000–Rs 20 lakh

पोलिसी अवधि

1–6 yr

प्रवेश उमेर

18–70

विशेषता

बोनस: —

Rural Credit Micro Term: loss of life & accidental death/PTD Rs 5,000-300,000
Rural Term: loss of life & accidental death/PTD Rs 5,000-2,000,000, term 1-6 years
Funeral expenses Rs 500 up to 40% of loss-of-life benefit
Entry age 18 to 70 years (nearest birthday)

Group micro-insurance distributed through microfinance institutions and cooperatives covering borrowers' loss of life, accidental death/permanent total disability and funeral expenses, protecting loan repayment for low-income borrowers.

योजना विवरण

Rural Credit Micro Term: loss of life & accidental death/PTD Rs 5,000-300,000
Rural Term: loss of life & accidental death/PTD Rs 5,000-2,000,000, term 1-6 years
Funeral expenses Rs 500 up to 40% of loss-of-life benefit
Entry age 18 to 70 years (nearest birthday)
Covers 600,000+ microfinance borrowers across 77 districts
Pays outstanding loan to lender, surplus to family

Sanima RelianceMicro Term Assuranceलघुतुलना

वार्षिक प्रिमियम

Rs 35,605 once

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: —

Affordable micro-insurance for low-income groups
One-year term, single premium
Low minimum sum assured Rs 10,000
Optional funeral benefit

One-year single-premium micro term plan for low-income segments; small sum assured with optional funeral benefit.

योजना विवरण

Affordable micro-insurance for low-income groups
One-year term, single premium
Low minimum sum assured Rs 10,000
Optional funeral benefit
Death benefit equal to Sum Assured

LIC NepalTerm Micro Insuranceलघुतुलना

वार्षिक प्रिमियम

Rs 11,875 once

दाबी अनुपात

92.69%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

1–15 yr

प्रवेश उमेर

18–64

विशेषता

बोनस: —

Sum Assured payable on death during policy term
Funeral expenses of Rs 10,000 to nominee
Accident disability benefit up to Rs 1,50,000
Without-profit single-premium micro term plan

Without-profit single-premium micro term plan providing pure death cover plus funeral expenses; no maturity, surrender or loan value.

योजना विवरण

Sum Assured payable on death during policy term
Funeral expenses of Rs 10,000 to nominee
Accident disability benefit up to Rs 1,50,000
Without-profit single-premium micro term plan
Term 1 to 15 years
No surrender, paid-up or loan value

Asian LifeMicro Life Insurance Plan (Sawadhik Laghu Jeevan Bima)लघुतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

98.85%

बीमाङ्क

Rs 10,000–Rs 1 lakh

पोलिसी अवधि

5 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Participating (accumulated bonus)

Micro endowment for low-income segment
SA range Rs 10,000-100,000
5-year term
Entry 18-60

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

Micro endowment (SA Rs 10,000-100,000), 5-yr term, entry 18-60; sample premium approx Rs 1,875/yr.

योजना विवरण

Micro endowment for low-income segment
SA range Rs 10,000-100,000
5-year term
Entry 18-60
Maturity and death both pay SA plus bonus

अगाडि रहनुहोस्

हरेक विक्रम-सम्बत् महिना दर परिवर्तन हुन्छ

उत्कृष्ट निक्षेप र कर्जा दर परिवर्तन हुनुअघि नै थाहा पाउनुहोस्।

दर अलर्ट लिनुहोस्→

LIC NepalEndowment Micro Life Insurance Planलघुतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

92.69%

बीमाङ्क

Rs 10,000–Rs 3 lakh

पोलिसी अवधि

5–49 yr

प्रवेश उमेर

18–65

विशेषता

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

Sum Assured plus vested bonus on survival to maturity
Sum Assured plus vested bonus on death during term
Premium paying term same as policy term
Term 5 to 49 years

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

With-profit micro endowment paying Sum Assured plus vested bonus on survival or death; premium paying term equals policy term.

योजना विवरण

Sum Assured plus vested bonus on survival to maturity
Sum Assured plus vested bonus on death during term
Premium paying term same as policy term
Term 5 to 49 years
Paid-up after 3 full years
Loan up to 90% of surrender value after 3 years

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।