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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

National LifePension Planपेन्सनन्यूनतम प्रिमियमतुलना

वार्षिक प्रिमियम

Rs 20,050/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–40 yr

प्रवेश उमेर

20–60

विशेषता

बोनस: —

Maturity terms of 10/15/20/25/30/35/40 years
Minimum annuity-start age 40
5 annuity options chosen at maturity
Annuity begins one month after maturity date

Deferred annuity / retirement plan accumulating to maturity, then paying an annuity (5 options) from one month after maturity.

योजना विवरण

Maturity terms of 10/15/20/25/30/35/40 years
Minimum annuity-start age 40
5 annuity options chosen at maturity
Annuity begins one month after maturity date
No health checkup required

Himalayan LifeHimalayanLife Pension Planपेन्सनतुलना

वार्षिक प्रिमियम

Rs 24,950/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–54 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: —

Maturity value convertible into immediate annuity (pension)
Two pension distribution options at maturity
Basic SA plus vested bonus on death before maturity
Long accumulation term up to 54 years

Deferred pension/annuity plan converting maturity proceeds into a lifetime income.

योजना विवरण

Maturity value convertible into immediate annuity (pension)
Two pension distribution options at maturity
Basic SA plus vested bonus on death before maturity
Long accumulation term up to 54 years
ADB/TPD riders up to NPR 1 crore

Asian LifeAsian Annuity / Pension Planपेन्सनतुलना

वार्षिक प्रिमियम

Rs 25,865/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–54 yr

प्रवेश उमेर

16–60

विशेषता

बोनस: —

Deferred annuity / pension plan
Annuity commencement from approx age 40 to 70
Min monthly annuity Rs 250
Guaranteed annuity periods 5/10/15/20 yrs

Deferred pension/annuity plan; premium term 5-54 yrs, entry 18-60, annuity from age 40-70, min monthly annuity Rs 250 with optional 3% escalation.

योजना विवरण

Deferred annuity / pension plan
Annuity commencement from approx age 40 to 70
Min monthly annuity Rs 250
Guaranteed annuity periods 5/10/15/20 yrs
Optional 3% annual annuity growth

MetLifeSubhabisya Beema (Retirement Plan)पेन्सनतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

85.23%

बीमाङ्क

Rs 50,000–Rs 5 crore

पोलिसी अवधि

10–30 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: —

Choice of lifetime income or 20-year guaranteed monthly pension
Coverage continues to age 100
5 policy term options from 10 to 30 years
Lifetime Income Rider pays Rs 1,500 to Rs 40,000 per month

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

Retirement and pension plan that builds a maturity corpus and converts it into lifetime or 20-year guaranteed monthly income, with coverage continuing to age 100.

योजना विवरण

Choice of lifetime income or 20-year guaranteed monthly pension
Coverage continues to age 100
5 policy term options from 10 to 30 years
Lifetime Income Rider pays Rs 1,500 to Rs 40,000 per month
Sum assured up to NPR 50,000,000
NIA Product Code NIA/LI005/2067/068/EP/0009

निःशुल्क उपकरण

आफ्नो मासिक EMI सेकेन्डमै निकाल्नुहोस्

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

EMI गणना गर्नुहोस्→

Himalayan LifeHimalayan Surakshit Bhavisya Jeevan Beema Yojanaपेन्सनतुलना

वार्षिक प्रिमियम

Rs 26,275/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–30 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: —

Annual pension of 6% of sum assured after premium paying term up to age 99
Full sum assured paid at age 100 or on earlier death
Combines endowment, whole-life and pension benefits
Minimum sum assured NPR 5 lakh

Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.

योजना विवरण

Annual pension of 6% of sum assured after premium paying term up to age 99
Full sum assured paid at age 100 or on earlier death
Combines endowment, whole-life and pension benefits
Minimum sum assured NPR 5 lakh
ADB and TPD/premium-waiver riders up to NPR 50 lakh

MetLifeFuture Care DPSपेन्सनतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

85.23%

बीमाङ्क

Rs 1.5 crore

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–54

विशेषता

बोनस: —

DPS-style savings with maturity benefit driven by investment yield
Gold plan adds life coverage (e.g. Rs 600,000) plus accidental cover
Silver plan provides accidental coverage
Maturity convertible to 20-year guaranteed pension annuity to age 100

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

Deposit-pension-scheme style savings plan where premiums accumulate at a market-linked yield to provide a maturity lump sum that can be taken as a 20-year guaranteed life annuity, with optional life and accident cover.

योजना विवरण

DPS-style savings with maturity benefit driven by investment yield
Gold plan adds life coverage (e.g. Rs 600,000) plus accidental cover
Silver plan provides accidental coverage
Maturity convertible to 20-year guaranteed pension annuity to age 100
Flexible annual premium from Rs 12,000 to Rs 3,000,000
Face amount up to NPR 15,000,000

National LifeAnnuity Planपेन्सनतुलना

वार्षिक प्रिमियम

Rs 27,795/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–40 yr

प्रवेश उमेर

20–60

विशेषता

बोनस: —

Regular annuity income stream
Retirement income planning
Multiple annuity payout options
Companion to the deferred Pension Plan

Annuity plan providing regular retirement income payouts; companion to the deferred Pension Plan.

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।