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

39 मिल्दो

SuryaJyotiSuryaJyoti Dhanbridhi Jeevan Beema (Agreem Bhuktani / Money Back)मनी-ब्याकन्यूनतम प्रिमियमतुलना

वार्षिक प्रिमियम

Rs 7,885/yr

दाबी अनुपात

97.5%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15–25 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
Terms of 15, 20 or 25 years
Single-premium option pays 2.5x sum assured at maturity
Death pays full sum assured plus bonus without deducting survival benefits

Anticipated endowment paying periodic survival benefits plus sum assured and bonus, with money-back installments during the term.

योजना विवरण

Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
Terms of 15, 20 or 25 years
Single-premium option pays 2.5x sum assured at maturity
Death pays full sum assured plus bonus without deducting survival benefits
Optional critical illness cover up to Rs 50,00,000

Asian LifeAsian Moneyback-20मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 25,365/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

20 yr

प्रवेश उमेर

18–45

विशेषता

बोनस: Participating (declared bonus)

20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
Min SA Rs 50,000
Entry 18-45, maturity age 65
Loan and surrender available

20-year money-back plan paying 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity; min SA Rs 50,000, entry 18-45.

योजना विवरण

20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
Min SA Rs 50,000
Entry 18-45, maturity age 65
Loan and surrender available
Participating with bonus

Sun NepalSaarthak Ajeewan Jeevan Beema (15-Year Money Back cum Whole Life)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 29,520/yr

दाबी अनुपात

98.71%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)

Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
Whole-life cover continues to age 100
Full sum assured plus vested bonus on death during premium term
Low minimum sum assured Rs 50,000

15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.

योजना विवरण

Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
Whole-life cover continues to age 100
Full sum assured plus vested bonus on death during premium term
Low minimum sum assured Rs 50,000
Fixed bonus Rs 39 per 1,000

Himalayan LifeHimalayan Jeevan Adhar Insurance Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 29,400/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–50

विशेषता

बोनस: —

Annual survival benefit of 5% of sum assured during the term
Maturity pays SA less survival payments plus accrued bonus
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments

Money-back plan paying 5% of sum assured each year with bonus and full death cover throughout the term.

योजना विवरण

Annual survival benefit of 5% of sum assured during the term
Maturity pays SA less survival payments plus accrued bonus
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments
Policy loan and tax benefits available

निःशुल्क उपकरण

आफ्नो मासिक EMI सेकेन्डमै निकाल्नुहोस्

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

EMI गणना गर्नुहोस्→

National LifeAnticipated Endowment Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 31,100/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–25 yr

प्रवेश उमेर

16–65

विशेषता

बोनस: Rs 60 per 1,000 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82

Periodic survival payouts during the term
Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
With-profit endowment
Loan facility

With-profit money-back endowment paying periodic survival benefits during the term and sum assured plus bonus at maturity.

योजना विवरण

Periodic survival payouts during the term
Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
With-profit endowment
Loan facility
Tax exemption under ITA 2058

Sanima RelianceAnnual Money Back Policy (Modified / Dhana Firta)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 29,935/yr

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15–20 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Rs 19-30 per 1,000 sum assured/yr (Modified 30; Annual 19-21) (FY 2081/82)

Fixed 5% of Sum Assured paid every year from year 2
Death pays full Sum Assured plus bonus regardless of survival benefits already paid
Maturity bonus on 20-year term
Participating anticipated endowment

Participating anticipated endowment paying 5% of sum assured every year from year 2 to maturity, plus maturity benefit and bonus.

Reliable LifeReliable Samunnati Jeevan Beemaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 36,980/yr

दाबी अनुपात

97.92%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–25 yr

प्रवेश उमेर

16–65

विशेषता

बोनस: Rs 20-23 per 1,000 sum assured/yr (FY 2080/81)

Anticipated/money-back periodic survival benefits
Yearly/half-yearly/quarterly/monthly premium modes
Death benefit unaffected by survival payouts already received
Min sum assured Rs 5 lakh

Anticipated (money-back) endowment paying periodic survival benefits during the term plus bonus at maturity.

योजना विवरण

Anticipated/money-back periodic survival benefits
Yearly/half-yearly/quarterly/monthly premium modes
Death benefit unaffected by survival payouts already received
Min sum assured Rs 5 lakh
With-profits bonus at maturity

Nepal LifeNari Suraksha Jeevan Beema Yojanaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 34,870/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–65

विशेषता

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

Women-focused life plan
Death benefit increases 25% every 5 years
Pregnancy complication lump-sum rider Rs 1,00,000
Prenatal care rider Rs 10,000

Women-focused participating plan; death benefit increases 25% every 5 years; includes pregnancy/prenatal riders.

योजना विवरण

Women-focused life plan
Death benefit increases 25% every 5 years
Pregnancy complication lump-sum rider Rs 1,00,000
Prenatal care rider Rs 10,000
Loan up to 90% of surrender value

IME LifeIME Dhanbardhan Money Back Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 31,465/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15–25 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Rs 22-63 per 1,000 sum assured/yr (advance/money-back plans, FY 2080/81)

Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
Full Sum Assured plus vested bonus on death irrespective of survival payouts already made

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

Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
Full Sum Assured plus vested bonus on death irrespective of survival payouts already made
Liquidity through staggered money-back installments
Loan and tax benefits

Prabhu MahalaxmiMahalaxmi Barshik Dhanfirta Beema (Anticipated/Money Back Plan)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 37,870/yr

दाबी अनुपात

98.33%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 35 per 1,000 sum assured/yr (flat)

Pays back 5% of sum assured on every policy anniversary while in force
Death benefit of twice the sum assured plus accrued bonus during the term
Balance sum assured plus bonus at maturity
Flat bonus of Rs 35 per 1,000 sum assured

Anticipated endowment / money-back plan returning 5% of sum assured each year plus the balance with bonus at maturity, with double life cover throughout the term.

योजना विवरण

Pays back 5% of sum assured on every policy anniversary while in force
Death benefit of twice the sum assured plus accrued bonus during the term
Balance sum assured plus bonus at maturity
Flat bonus of Rs 35 per 1,000 sum assured
Provides periodic liquidity plus final maturity lump sum

Citizen LifeCitizen Regular Pay Money Back Insurance Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 41,621/yr

दाबी अनुपात

93.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–21 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Reversionary bonus declared annually (rate not published)

25% of sum assured paid at 1/3 of policy term
30% of sum assured paid at 2/3 of policy term
45% of sum assured plus reversionary bonus at maturity
Full sum assured plus bonus paid on death (survival benefits not deducted)

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.

योजना विवरण

25% of sum assured paid at 1/3 of policy term
30% of sum assured paid at 2/3 of policy term
45% of sum assured plus reversionary bonus at maturity
Full sum assured plus bonus paid on death (survival benefits not deducted)
Term options of 12, 15, 18 and 21 years

LIC NepalMoney Back Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

92.69%

बीमाङ्क

Rs 20,000

पोलिसी अवधि

15–25 yr

प्रवेश उमेर

18–60

विशेषता

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

Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
Full Sum Assured paid on death irrespective of survival payments already made
Available in 5 plan variants (334/335/336/337/339)
Paid-up after 2 full years; surrender after 3 years

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

Anticipated-endowment money-back plan (plan nos. 334/335/336/337/339) giving periodic survival payouts during the term plus death cover and bonus.

योजना विवरण

Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
Full Sum Assured paid on death irrespective of survival payments already made
Available in 5 plan variants (334/335/336/337/339)
Paid-up after 2 full years; surrender after 3 years
Loan up to 90% of surrender value
Riders incl. term rider available

अगाडि रहनुहोस्

हरेक विक्रम-सम्बत् महिना दर परिवर्तन हुन्छ

उत्कृष्ट निक्षेप र कर्जा दर परिवर्तन हुनुअघि नै थाहा पाउनुहोस्।

दर अलर्ट लिनुहोस्→

Rastriya JeevanAnticipated Endowment Life Assurance (Money Back Plan)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 30,600/yr

दाबी अनुपात

—

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–20 yr

प्रवेश उमेर

16–60

विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

Periodic 'money-back' survival benefits paid in instalments during the policy term
Full sum assured plus bonus paid on death even if survival benefits were already received
Remaining sum assured plus accrued bonus paid at maturity
Loan available up to 90% of surrender value after 3 years

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.

योजना विवरण

Periodic 'money-back' survival benefits paid in instalments during the policy term
Full sum assured plus bonus paid on death even if survival benefits were already received
Remaining sum assured plus accrued bonus paid at maturity
Loan available up to 90% of surrender value after 3 years
Liquidity at regular intervals while retaining full life cover

SuryaJyotiSuryaJyoti Sajeelo Bhuktani Jeevan Beema (Yearly Money Back)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 7,885/yr

दाबी अनुपात

97.5%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–50

विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Yearly survival benefit of 4-6% of sum assured
Terms of 10 to 20 years
Minimum sum assured Rs 500,000
Full sum assured plus bonus on death without deducting survival benefits

Money-back plan paying a fixed percentage of the sum assured every year, with remaining sum assured plus bonus at maturity.

योजना विवरण

Yearly survival benefit of 4-6% of sum assured
Terms of 10 to 20 years
Minimum sum assured Rs 500,000
Full sum assured plus bonus on death without deducting survival benefits
Multiple payout-percentage options by term

Himalayan LifeHimalayan Barshik Nagad Firta Jeevan Beema Yojana (Annual Cash Back)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 32,495/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: —

Annual cash back of 4% of sum assured each year
Remaining sum assured plus accrued bonus at maturity
Sum assured plus accumulated bonus to nominee on death
Minimum sum assured NPR 5 lakh

Money-back plan returning 4% of sum assured annually with bonus plus residual sum assured at maturity.

योजना विवरण

Annual cash back of 4% of sum assured each year
Remaining sum assured plus accrued bonus at maturity
Sum assured plus accumulated bonus to nominee on death
Minimum sum assured NPR 5 lakh
ADB and TPD/premium-waiver riders up to NPR 50 lakh

Sun NepalDhananjaya Yearly Moneyback Endowmentमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 34,160/yr

दाबी अनुपात

98.71%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

5% of sum assured paid every policy anniversary as regular income
Remaining sum assured plus bonus at maturity
Full sum assured plus vested bonus on death during term
Term 5-20 years

Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.

योजना विवरण

5% of sum assured paid every policy anniversary as regular income
Remaining sum assured plus bonus at maturity
Full sum assured plus vested bonus on death during term
Term 5-20 years
Minimum sum assured Rs 100,000

Sanima RelianceDhanapati Money Back Policy (12/15/20 Years)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 29,935/yr

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–20 yr

प्रवेश उमेर

18–50

विशेषता

बोनस: Rs 32-42 per 1,000 sum assured/yr (15-yr: 41, 20-yr: 45) (FY 2081/82)

Choice of 12, 15 or 20 year terms
Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
Death pays full Sum Assured plus bonus
Maturity age options 62/65/70

Money-back endowment with periodic survival payouts during the term and a lump-sum plus vested bonus at maturity.

योजना विवरण

Choice of 12, 15 or 20 year terms
Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
Death pays full Sum Assured plus bonus
Maturity age options 62/65/70
Participating with annual bonus

Asian LifeJeevan Sanjivani (Anticipated & Whole Life)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 36,850/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–25 yr

प्रवेश उमेर

विशेषता

बोनस: Accrued bonus paid lump-sum at end of term

Anticipated/money-back installment maturity benefits
Whole-life extension of cover until age 99
Death benefit = sum assured plus earned bonus
Term options 5/10/15/20/25 yrs

Anticipated endowment cum whole-life plan paying installment maturity benefits; min SA Rs 50,000, terms 5-25 yrs, cover extends to age 99.

योजना विवरण

Anticipated/money-back installment maturity benefits
Whole-life extension of cover until age 99
Death benefit = sum assured plus earned bonus
Term options 5/10/15/20/25 yrs
Single or regular premium

Nepal LifeJeevan Unnati Beema Yojanaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 35,280/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–20 yr

प्रवेश उमेर

18–58

विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
40% SA + bonus paid at maturity
Single-premium death benefit 2.5x SA + bonus
Full life cover throughout despite payouts

Anticipated/money-back plan paying periodic survival benefits during the term plus 40% SA + bonus at maturity.

योजना विवरण

Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
40% SA + bonus paid at maturity
Single-premium death benefit 2.5x SA + bonus
Full life cover throughout despite payouts
Loan up to 90% of surrender value

Reliable LifeReliable Anticipated Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 38,115/yr

दाबी अनुपात

97.92%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: Advance/anticipated payment plans band Rs 50-55 per 1,000 sum assured/yr (FY 2080/81)

Survival refunds every 4 years of premium paid
Even-year terms 10 to 20 years
Accidental death pays insured amount + accidental benefit + accrued bonus
Entry age 18-55, maturity by 65

Money-back plan refunding a portion of the sum assured after every four years of premium payment, with bonus at maturity.

योजना विवरण

Survival refunds every 4 years of premium paid
Even-year terms 10 to 20 years
Accidental death pays insured amount + accidental benefit + accrued bonus
Entry age 18-55, maturity by 65
Optional critical-illness and hospitalization cover

कर्जा चाहिन्छ?

२० बैंकका ४००+ कर्जा तुलना गर्नुहोस्

घर, सवारी, व्यवसाय, मार्जिन र थप — सबैभन्दा कम प्रभावकारी दर खोज्नुहोस्।

कर्जा तुलना→

National LifeAmrit Shree Money Backमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 34,800/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

14–65

विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

Regular premium money-back plan
Periodic payouts at regular intervals during the term
Payouts help with premium management and expenses
NIA code NIA/LI002/2075/076/MBP/0030

Regular-premium money-back plan with periodic payouts at regular intervals during the policy term.

योजना विवरण

Regular premium money-back plan
Periodic payouts at regular intervals during the term
Payouts help with premium management and expenses
NIA code NIA/LI002/2075/076/MBP/0030
With-profit participation

Citizen LifeCitizen Annual Money Back Insurance Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 41,621/yr

दाबी अनुपात

93.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Reversionary/vested bonus declared annually (rate not published)

5% of sum assured paid on every policy anniversary as survival benefit
Full sum assured plus reversionary bonus on death
Maturity pays remaining sum assured plus vested bonus
Policy term 5 to 20 years

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.

योजना विवरण

5% of sum assured paid on every policy anniversary as survival benefit
Full sum assured plus reversionary bonus on death
Maturity pays remaining sum assured plus vested bonus
Policy term 5 to 20 years
Single and regular premium options

IME LifeIME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 39,480/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 22-63 per 1,000 sum assured/yr (money-back plans, FY 2080/81)

Premium paying term shorter than policy term (8/12/16/20 yrs)
10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus

योजना विवरण

Premium paying term shorter than policy term (8/12/16/20 yrs)
10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus
Paid-up coverage continues after last money-back installment
Loan and tax benefits

LIC NepalDhan Bristiमनी-ब्याकतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

92.69%

बीमाङ्क

Rs 1 lakh

पोलिसी अवधि

10–15 yr

प्रवेश उमेर

विशेषता

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

Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
Death benefit: Sum Assured plus accrued reversionary bonus
Premium paying term equal to policy term

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

Anticipated-endowment money-back plan paying survival benefits every 3 years plus reversionary bonus, available in 10- and 15-year terms.

योजना विवरण

Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
Death benefit: Sum Assured plus accrued reversionary bonus
Premium paying term equal to policy term
Multiple premium modes
Maturity age up to 70

SuryaJyotiSuryaJyoti Dhan Laav Jeevan Beema (Money Back)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 23,800/yr

दाबी अनुपात

97.5%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–20 yr

प्रवेश उमेर

18–58

विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Terms of 12, 15 or 20 years
Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
Minimum sum assured Rs 50,000
Full sum assured plus bonus on death, no deduction for installments paid

Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.

योजना विवरण

Terms of 12, 15 or 20 years
Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
Minimum sum assured Rs 50,000
Full sum assured plus bonus on death, no deduction for installments paid
Optional critical illness cover up to Rs 50,00,000

Himalayan LifeHimalayanLife Naari Jeewan Beemaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 32,495/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

16–25 yr

प्रवेश उमेर

18–54

विशेषता

बोनस: —

Dedicated women's life plan
2.5% of sum assured returned annually after first policy anniversary
Maturity pays 60% of sum assured plus bonus
Full sum assured plus bonus on death

Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.

योजना विवरण

Dedicated women's life plan
2.5% of sum assured returned annually after first policy anniversary
Maturity pays 60% of sum assured plus bonus
Full sum assured plus bonus on death
ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Asian LifeDhan Sambriddhiमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 36,850/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Participating (declared bonus)

Money-back survival payouts (15-60% of SA at intervals)
Single-premium death benefit 2.5x SA plus bonus
Terms 10/15/20/25 yrs
Loan and surrender value available

Money-back plan with progressive survival benefits; single-premium variant pays 2.5x SA on death; terms 10-25 yrs, min SA Rs 50,000.

योजना विवरण

Money-back survival payouts (15-60% of SA at intervals)
Single-premium death benefit 2.5x SA plus bonus
Terms 10/15/20/25 yrs
Loan and surrender value available
Participating with bonus

Nepal LifeNaulo Dhanbarsha Jeevan Beema Yojanaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 40,180/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

Staggered survival payouts (10%, 20%, 30%, 40% of SA)
Limited premium term shorter than policy term
Single-premium death benefit 2.5x SA + bonus
Full SA cover maintained during payouts

Anticipated/money-back plan with limited premium term and staggered survival payouts (10/20/30/40% of SA).

योजना विवरण

Staggered survival payouts (10%, 20%, 30%, 40% of SA)
Limited premium term shorter than policy term
Single-premium death benefit 2.5x SA + bonus
Full SA cover maintained during payouts
Loan up to 90% of surrender value

अन्वेषण

हरेक बैंक, एकै ठाउँमा प्रोफाइल

उत्पादन, शाखा सञ्जाल, आधार दर र सम्पर्क — एउटै प्रोफाइलमा।

बैंक हेर्नुहोस्→

National LifeAmrit Barsaha Money Back Policyमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 42,000/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

7–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 60 per 1,000 SA (5-20 yr); higher for longer terms (FY 2081/82)

Periodic money-back survival payouts during the term
Full sum assured plus bonus on death
Premium waiver on disability
Loan facility

With-profit money-back plan paying periodic survival benefits during the term plus bonus, with full sum assured on death.

योजना विवरण

Periodic money-back survival payouts during the term
Full sum assured plus bonus on death
Premium waiver on disability
Loan facility
With-profit participation

IME LifeIME Dhan Sarita Plus Jeevan Beema Yojanaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 47,025/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 22 per 1,000 sum assured/yr (fixed, Dhan Sarita, FY 2080/81)

5% of Sum Assured paid every policy anniversary as annual survival benefit
Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
Maturity returns remaining SA plus vested bonus
Higher minimum SA (Rs 4 lakh) targeted plan

योजना विवरण

5% of Sum Assured paid every policy anniversary as annual survival benefit
Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
Maturity returns remaining SA plus vested bonus
Higher minimum SA (Rs 4 lakh) targeted plan
Flexible regular/single/limited premium options
NIA approved product (code NIA/LI010/.../MBP/0016)

SuryaJyotiSuryaJyoti Three 20 Dhan Bahar Jeevan Beema (J-320 Money Back)मनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 23,800/yr

दाबी अनुपात

97.5%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–21 yr

प्रवेश उमेर

18–58

विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

Sum assured returned in three installments (33%/33%/34%+bonus)
5% of SA paid annually for 20 years after maturity
Guaranteed total return of 200% of sum assured
Terms of 12, 15, 18 or 21 years

Money-back plan returning the sum assured in three installments during the term, then 5% of SA annually for 20 years after maturity; total guaranteed 200% of SA.

योजना विवरण

Sum assured returned in three installments (33%/33%/34%+bonus)
5% of SA paid annually for 20 years after maturity
Guaranteed total return of 200% of sum assured
Terms of 12, 15, 18 or 21 years
Single or regular premium options

Himalayan LifeHimalayan Life Sulav Money Backमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 36,850/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

12–25 yr

प्रवेश उमेर

18–58

विशेषता

बोनस: —

Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
Escalating death benefit up to 3x sum assured plus bonus in later years
Single or limited (9/12/16/20 yr) premium options
Low entry sum assured NPR 50,000

Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.

योजना विवरण

Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
Escalating death benefit up to 3x sum assured plus bonus in later years
Single or limited (9/12/16/20 yr) premium options
Low entry sum assured NPR 50,000
ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Asian Life15 Yrs Money Back Plusमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 42,330/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs in force)

15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
Reversionary and terminal bonus
Surrender after 3 yrs
Loan available

15-year money-back plan paying 25% of SA at years 5 and 10, and 50% plus bonus at maturity; loan and surrender available.

योजना विवरण

15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
Reversionary and terminal bonus
Surrender after 3 yrs
Loan available
Participating plan

Nepal LifeNaulo Jeevan Sambriddhi Jeevan Beema Yojanaमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 41,601/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment, FY 2081/82)

Periodic survival (money-back) benefits during term
Balance SA + bonus at maturity
Full life cover maintained through term
Optional accident and critical-illness riders

Anticipated/money-back plan in NLIC's advance-payment range with periodic survival benefits and bonus.

योजना विवरण

Periodic survival (money-back) benefits during term
Balance SA + bonus at maturity
Full life cover maintained through term
Optional accident and critical-illness riders
Loan up to 90% of surrender value

Himalayan LifeHimalayan Money Back Cum Whole Life Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 36,850/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: —

Staggered money-back, e.g. 30%/30%/40% over a 10-year term
Whole-life cover: sum assured paid on survival to age 99
Sum assured plus accrued bonus on death during term
Accidental death benefit up to NPR 1 crore plus accrued bonus

Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.

योजना विवरण

Staggered money-back, e.g. 30%/30%/40% over a 10-year term
Whole-life cover: sum assured paid on survival to age 99
Sum assured plus accrued bonus on death during term
Accidental death benefit up to NPR 1 crore plus accrued bonus
Loan facility after 3 years of premiums paid

Asian LifeAnnual Repay Moneyback Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

98.85%

बीमाङ्क

Rs 2.5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Simple Reversionary Bonus + Terminal Bonus (10+ yr policies)

Pays 5% of SA every year as survival benefit
Survival benefit offset against renewal premium
Min SA Rs 250,000
Terms 10-20 yrs

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

Annual money-back plan returning 5% of SA each year; min SA Rs 250,000, terms 10-20 yrs, no loan facility.

योजना विवरण

Pays 5% of SA every year as survival benefit
Survival benefit offset against renewal premium
Min SA Rs 250,000
Terms 10-20 yrs
No policy loan available

Himalayan LifeHimalayan Jeevan Utthan Insurance Planमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 41,145/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

9–18 yr

प्रवेश उमेर

18–50

विशेषता

बोनस: —

Survival benefit (percentage of SA) paid during the policy term
Accrued bonus paid as maturity benefit
Sum assured plus accrued bonus on death
Accidental death benefit equal to SA or NPR 1 crore (lower)

Money-back plan with periodic survival benefits, available over 9/12/15/18-year terms with low NPR 50,000 entry.

योजना विवरण

Survival benefit (percentage of SA) paid during the policy term
Accrued bonus paid as maturity benefit
Sum assured plus accrued bonus on death
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD: full SA in 120 monthly installments

Himalayan LifeHimalayanLife Dhan Sagarमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 41,580/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15–20 yr

प्रवेश उमेर

18–50

विशेषता

बोनस: —

15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
Full basic sum assured plus vested bonus on death
Low entry sum assured NPR 50,000

Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.

योजना विवरण

15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
Full basic sum assured plus vested bonus on death
Low entry sum assured NPR 50,000
ADB up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh

Himalayan LifeHimalayan Jeewan Upaharमनी-ब्याकतुलना

वार्षिक प्रिमियम

Rs 47,250/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

16 yr

प्रवेश उमेर

18–54

विशेषता

बोनस: —

Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
ADB and TPD riders up to NPR 1 crore

Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.

योजना विवरण

Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
ADB and TPD riders up to NPR 1 crore
CI up to NPR 25 lakh, PA up to NPR 50 lakh

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।