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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

24 मिल्दो

SuryaJyotiSuryaJyoti Chaurasi Puja Jeevan Beema (Limited Payment Anticipated Whole Life)होल लाइफन्यूनतम प्रिमियमतुलना

वार्षिक प्रिमियम

Rs 7,885/yr

दाबी अनुपात

97.5%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–50 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 45-90 per 1,000 sum assured/yr (FY2080/81, Chaurasi Puja category - highest bonus)

Whole-life cover maturing at age 82 (Chaurasi)
Highest bonus band of the company (up to Rs 90 per 1,000)
6% of sum assured paid annually after the premium term
Death cover of 250% of SA during premium term, 200% after, 150% near maturity

Limited-payment anticipated whole-life plan maturing at age 82 (Chaurasi), paying bonus then 6% annual survival benefits and 150% of SA at maturity, with high death cover.

योजना विवरण

Whole-life cover maturing at age 82 (Chaurasi)
Highest bonus band of the company (up to Rs 90 per 1,000)
6% of sum assured paid annually after the premium term
Death cover of 250% of SA during premium term, 200% after, 150% near maturity
150% of sum assured paid at maturity

Reliable LifeReliable Endowment and Whole Life Insurance Policyहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 28,520/yr

दाबी अनुपात

97.92%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–54 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Term & whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)

Lifelong/long-term protection up to 54-year term
Maturity benefit approx double the insured amount
With-profits bonus accrual
Wide entry age 18-65

Combined endowment + whole-life plan; maturity benefit roughly twice the insured amount (sum assured plus accumulated bonus).

योजना विवरण

Lifelong/long-term protection up to 54-year term
Maturity benefit approx double the insured amount
With-profits bonus accrual
Wide entry age 18-65
Optional accident, disability, critical-illness and hospitalization riders

Himalayan LifeHimalayanLife Jeewan Surakshyaहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 29,140/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

15–54 yr

प्रवेश उमेर

18–55

विशेषता

बोनस: —

Full sum assured plus bonus on maturity
Basic sum assured plus vested bonus on death before maturity
Post-maturity accidental death cover (extra ADB) up to age 70
Long term up to 54 years

Endowment-cum-whole-life plan with continued accidental death cover after maturity up to age 70.

योजना विवरण

Full sum assured plus bonus on maturity
Basic sum assured plus vested bonus on death before maturity
Post-maturity accidental death cover (extra ADB) up to age 70
Long term up to 54 years
CI up to NPR 25 lakh, PA up to NPR 50 lakh riders

Sun NepalSun Life Nabeen Ajeewan Jeevan Beema (Naveen Whole Life)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 29,520/yr

दाबी अनुपात

98.71%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–52 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 38-80 per 1,000 sum assured/yr (FY 2080/81) - highest of Sun Nepal Life plans

Endowment payout at premium-term end PLUS lifelong whole-life cover to age 100
Full sum assured plus vested bonus on survival at premium term end
Full sum assured plus bonus on death during premium term; full sum assured after
Highest bonus band Rs 38-80 per 1,000

Combines an endowment payout at end of premium term with whole-life cover up to age 100; survival benefit of sum assured plus bonus at premium-term end, and again at age 100 if unclaimed.

योजना विवरण

Endowment payout at premium-term end PLUS lifelong whole-life cover to age 100
Full sum assured plus vested bonus on survival at premium term end
Full sum assured plus bonus on death during premium term; full sum assured after
Highest bonus band Rs 38-80 per 1,000
Minimum sum assured Rs 100,000

निःशुल्क उपकरण

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EMI गणना गर्नुहोस्→

Citizen LifeCitizen Jeevan Sarathi Yojanaहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 28,587/yr

दाबी अनुपात

93.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

30–72 yr

प्रवेश उमेर

18–60

विशेषता

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

Whole-life cover up to age 90 with limited premium payment
Sum assured plus bonus paid at end of premium term or on death during term
Survival benefit of 20% of sum assured at ages 70, 75, 80, 85 and 90
Death after premium term pays sum assured less survival benefits already paid

Whole-life/retirement plan with limited premium payment, providing lifelong cover to age 90, periodic survival income (20% of SA from age 70) and sum assured plus bonus.

योजना विवरण

Whole-life cover up to age 90 with limited premium payment
Sum assured plus bonus paid at end of premium term or on death during term
Survival benefit of 20% of sum assured at ages 70, 75, 80, 85 and 90
Death after premium term pays sum assured less survival benefits already paid
Policy loan up to 90% of surrender value; loan up to 50% of survival benefit

Nepal LifeJeevan Sahara Beema Yojanaहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 27,777/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–54 yr

प्रवेश उमेर

18–65

विशेषता

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

Whole-life endowment cover to age 70
Maturity SA + bonus; death SA + bonus
Accidental death cover continuing after maturity to 70
Very long terms up to 54 years

Whole-life endowment plan with cover continuing to age 70; SA + bonus at maturity and on death.

योजना विवरण

Whole-life endowment cover to age 70
Maturity SA + bonus; death SA + bonus
Accidental death cover continuing after maturity to 70
Very long terms up to 54 years
Loan up to 90% of surrender value

Asian LifeSukhi Jiwan Plus (Whole Life Endowment)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 30,650/yr

दाबी अनुपात

98.85%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–30 yr

प्रवेश उमेर

18–65

विशेषता

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

Whole-life cum endowment cover up to maturity
Sum assured plus bonus on death
Large-sum-assured premium discounts
Accidental and disability rider options

Whole-life endowment with min SA Rs 100,000, terms 5-30 yrs, entry 18-65, maturity age 70; participating with reversionary and terminal bonus.

योजना विवरण

Whole-life cum endowment cover up to maturity
Sum assured plus bonus on death
Large-sum-assured premium discounts
Accidental and disability rider options
Premium waiver option

National LifeJeevan Amrit (Endowment cum Whole Life) Planहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 27,795/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 sum assured/yr (5-25 yr terms, FY 2081/82)

Combined endowment + whole-life cover
Sum assured plus bonus on maturity
With-profit participation
Loan facility

Endowment-cum-whole-life: pays sum assured plus bonus on maturity, with whole-life death cover continuing after maturity.

योजना विवरण

Combined endowment + whole-life cover
Sum assured plus bonus on maturity
With-profit participation
Loan facility
Tax exemption under ITA 2058

IME LifeIME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 29,455/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–52 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 32-80 per 1,000 sum assured/yr (whole life, FY 2080/81)

Full Sum Assured plus vested bonus on death during term
Full Sum Assured plus vested bonus on maturity survival
Coverage continues to age 100; full Sum Assured paid on post-maturity death or age-100 survival
Highest whole-life bonus band (up to Rs 80 per 1,000)

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

Full Sum Assured plus vested bonus on death during term
Full Sum Assured plus vested bonus on maturity survival
Coverage continues to age 100; full Sum Assured paid on post-maturity death or age-100 survival
Highest whole-life bonus band (up to Rs 80 per 1,000)
Six optional riders
Loan and tax benefits

Sanima RelianceLimited Payment Endowment Assurance Cum Whole Life (Dhanasanchaya)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 32,950/yr

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–30 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 35-70 per 1,000 sum assured/yr (FY 2081/82)

Limited premium paying term with whole-life protection
Coverage continues to age 100
Single premium option available
Death post-endowment pays full Sum Assured

Limited premium paying endowment-cum-whole-life plan; pay for a limited term and enjoy whole-life cover to age 100.

योजना विवरण

Limited premium paying term with whole-life protection
Coverage continues to age 100
Single premium option available
Death post-endowment pays full Sum Assured
Participating plan with annual bonus

Prabhu MahalaxmiAmulya Jeevan Beema (Endowment cum Whole Life Plan)होल लाइफतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

98.33%

बीमाङ्क

Rs 1 lakh–Rs 5 crore

पोलिसी अवधि

5–59 yr

प्रवेश उमेर

11–65

विशेषता

बोनस: Rs 38-73 per 1,000 sum assured/yr (endowment and whole-life variants)

Combines endowment savings with whole-life protection
Higher bonus band (Rs 38-73 per 1,000) than standard endowment
Death benefit of sum assured plus accrued bonus
Bonus payable on maturity, death, surrender and periodic claims

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

Endowment-cum-whole-life plan providing lifelong protection with bonus accumulation and a survival/maturity payout.

योजना विवरण

Combines endowment savings with whole-life protection
Higher bonus band (Rs 38-73 per 1,000) than standard endowment
Death benefit of sum assured plus accrued bonus
Bonus payable on maturity, death, surrender and periodic claims
Policy loan facility

LIC NepalJeevan Anandहोल लाइफतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

92.69%

बीमाङ्क

Rs 1 lakh

पोलिसी अवधि

5–25 yr

प्रवेश उमेर

18–65

विशेषता

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

Sum Assured plus vested bonus paid at end of premium paying term
Death cover equal to Sum Assured continues for whole of life after maturity at no extra cost
Becomes paid-up after 3 full years of premiums
Loan up to 90% of surrender value after 3 years

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

Endowment-cum-whole-life plan: pays sum assured plus vested bonus at end of premium paying term, and continues whole-life death cover equal to sum assured thereafter at no extra premium.

योजना विवरण

Sum Assured plus vested bonus paid at end of premium paying term
Death cover equal to Sum Assured continues for whole of life after maturity at no extra cost
Becomes paid-up after 3 full years of premiums
Loan up to 90% of surrender value after 3 years
Riders available from age 18 to 70

अगाडि रहनुहोस्

हरेक विक्रम-सम्बत् महिना दर परिवर्तन हुन्छ

उत्कृष्ट निक्षेप र कर्जा दर परिवर्तन हुनुअघि नै थाहा पाउनुहोस्।

दर अलर्ट लिनुहोस्→

MetLifeDouble Protection Plus Planहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 46,575/yr

दाबी अनुपात

85.23%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Booster Fund up to Rs 60 per 1,000 face amount/yr (yield-linked, 15.5%+ tier); Rs 0 below 4% yield

Death benefit 2x face amount (less indebtedness)
Permanent Total Disability benefit 2x face amount after 6 consecutive months
Accidental Death benefit additional 1x face amount within 365 days
Guaranteed loyalty rewards at years 5/10/15/20

Participating long-term protection plan with cover to age 75, double death benefit, guaranteed loyalty rewards and a yield-linked booster fund, available on single or limited (5/10-year) premium payment.

योजना विवरण

Death benefit 2x face amount (less indebtedness)
Permanent Total Disability benefit 2x face amount after 6 consecutive months
Accidental Death benefit additional 1x face amount within 365 days
Guaranteed loyalty rewards at years 5/10/15/20
Yield-linked booster fund up to Rs 60 per 1,000 FA per year
Single, 5-pay or 10-pay premium options with cover to age 75

Rastriya JeevanWhole Life Assurance Planहोल लाइफतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

—

बीमाङ्क

Rs 25,000

पोलिसी अवधि

—

प्रवेश उमेर

16–60

विशेषता

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

Lifelong life cover with no fixed maturity date
Sum assured plus accumulated bonuses paid to nominee on death
Lower premium per unit of permanent protection than endowment plans
Builds surrender value and supports policy loans after 3 years

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.

योजना विवरण

Lifelong life cover with no fixed maturity date
Sum assured plus accumulated bonuses paid to nominee on death
Lower premium per unit of permanent protection than endowment plans
Builds surrender value and supports policy loans after 3 years
Annual reversionary bonus accrual

Himalayan LifeHimalayan Endowment Cum Whole Life Insurance Planहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 29,500/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–59 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: —

Sum assured plus accrued bonus at maturity
Additional sum assured on survival to age 100 (whole-life element)
Sum assured plus accrued bonus on death during term
Accidental death cover up to NPR 1 crore

Endowment combined with whole-life cover, paying at maturity and again on survival to age 100.

योजना विवरण

Sum assured plus accrued bonus at maturity
Additional sum assured on survival to age 100 (whole-life element)
Sum assured plus accrued bonus on death during term
Accidental death cover up to NPR 1 crore
Loan after 3 years of premiums paid

Nepal LifeAnmol Jeevan Beema Yojanaहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 31,259/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–50 yr

प्रवेश उमेर

18–65

विशेषता

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

Whole-life cover with accrued bonus
Staged survival benefits at ages 75/80/85
SA + accrued bonus at maturity
ADB rider Rs 1 per thousand

Whole-life plan with post-maturity survival benefits at ages 75/80/85 and SA + accrued bonus.

योजना विवरण

Whole-life cover with accrued bonus
Staged survival benefits at ages 75/80/85
SA + accrued bonus at maturity
ADB rider Rs 1 per thousand
Loan up to 90% of surrender value

National LifeAmrit Shree Anticipated Endowment and Whole Life Planहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 34,104/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 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82

Two options: anticipated endowment or anticipated + whole life
Periodic survival payouts at regular intervals
Full sum assured on death without deducting paid survival benefits
Loan facility

Money-back plan with two options: periodic payouts during term (Option 1) or periodic payouts plus whole-life protection (Option 2).

योजना विवरण

Two options: anticipated endowment or anticipated + whole life
Periodic survival payouts at regular intervals
Full sum assured on death without deducting paid survival benefits
Loan facility
Tax exemption under ITA 2058

IME LifeIME Money Back cum Whole Life Plan (IME Kalpadhan)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 36,790/yr

दाबी अनुपात

79.9%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

10–25 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Rs 32-63 per 1,000 sum assured/yr (Kalpadhan, FY 2080/81)

Periodic survival benefits e.g. 10-yr: 30% (yr3), 20% (yr6), 50%+bonus (yr10)
25-yr: 20% at yrs 6/12/18 then 40%+bonus at yr25
Whole-life protection element continues after money-back term
Critical illness cover for 21 conditions

योजना विवरण

Periodic survival benefits e.g. 10-yr: 30% (yr3), 20% (yr6), 50%+bonus (yr10)
25-yr: 20% at yrs 6/12/18 then 40%+bonus at yr25
Whole-life protection element continues after money-back term
Critical illness cover for 21 conditions
Single or limited premium options
Loan and tax benefits

Sanima RelianceEndowment Assurance Cum Whole Life (Sukhamaya)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 37,500/yr

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–52 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 30-60 per 1,000 sum assured/yr (FY 2081/82)

Lifetime protection / coverage continues to age 100
Acts as an estate-planning vehicle
Death during premium term pays Sum Assured plus vested bonus
Participating plan earning annual reversionary bonus

Endowment-cum-whole-life plan giving lifetime protection up to age 100. Pays sum assured plus vested bonus at end of premium term, then a fully paid-up whole life cover continues.

योजना विवरण

Lifetime protection / coverage continues to age 100
Acts as an estate-planning vehicle
Death during premium term pays Sum Assured plus vested bonus
Participating plan earning annual reversionary bonus
Multiple premium payment frequencies

LIC NepalNew Jeevan Tarangहोल लाइफतुलना

वार्षिक प्रिमियम

On request

दाबी अनुपात

92.69%

बीमाङ्क

Rs 2 lakh

पोलिसी अवधि

10–20 yr

प्रवेश उमेर

18–60

विशेषता

बोनस: Reversionary bonus declared annually during accumulation (with-profit)

Annual survival benefit of 5.50% of Sum Assured payable after premium paying term till age 99
Cover up to age 100 (whole life)
Premium paying term of 10, 15 or 20 years
Sum Assured payable on survival to age 100

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

Limited-premium with-profit whole life plan paying an annual survival benefit of 5.5% of sum assured for life after the premium term, with sum assured payable at age 100.

योजना विवरण

Annual survival benefit of 5.50% of Sum Assured payable after premium paying term till age 99
Cover up to age 100 (whole life)
Premium paying term of 10, 15 or 20 years
Sum Assured payable on survival to age 100
Entry age 18-60, maturity at 100
Minimum Sum Assured Rs 2,00,000

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२० बैंकका ४००+ कर्जा तुलना गर्नुहोस्

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कर्जा तुलना→

National LifeTraditional Whole Life Policyहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 34,104/yr

दाबी अनुपात

84.6%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

—

प्रवेश उमेर

16–65

विशेषता

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

Lifelong death cover
With-profit (participating) bonus accrual
Loan facility against policy
Surrender/paid-up options

Whole-of-life cover paying sum assured plus accrued bonus on death, with participation in company profits.

योजना विवरण

Lifelong death cover
With-profit (participating) bonus accrual
Loan facility against policy
Surrender/paid-up options
Tax exemption under ITA 2058

Sanima RelianceEndowment / Whole Life (Dirghayu)होल लाइफतुलना

वार्षिक प्रिमियम

Rs 37,500/yr

दाबी अनुपात

80.97%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–52 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: Rs 35-70 per 1,000 sum assured/yr (FY 2081/82)

Lifetime cover to age 100
Participating plan with annual bonus
Limited and single premium options
Estate planning vehicle

Endowment-cum-whole-life plan offering lifetime protection to age 100 with limited premium payment.

Himalayan LifeHimalayan Limited Payment (Endowment Cum Whole Life) Planहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 47,825/yr

दाबी अनुपात

98.09%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–30 yr

प्रवेश उमेर

18–65

विशेषता

बोनस: —

Limited premium payment over 1-25 years while cover continues
Sum assured plus vested bonus on maturity and on death during term
Sum assured only on death after maturity (whole-life cover)
Accidental death benefit equal to SA or NPR 1 crore (lower)

Limited-pay endowment-cum-whole-life plan that keeps cover in force after a short premium-paying period.

योजना विवरण

Limited premium payment over 1-25 years while cover continues
Sum assured plus vested bonus on maturity and on death during term
Sum assured only on death after maturity (whole-life cover)
Accidental death benefit equal to SA or NPR 1 crore (lower)
TPD payable in 120 monthly installments; policy loan and tax benefits

Nepal LifeSadabahar Jeevan Beema Yojanaहोल लाइफतुलना

वार्षिक प्रिमियम

Rs 47,921/yr

दाबी अनुपात

90.54%

बीमाङ्क

Rs 5 lakh

पोलिसी अवधि

5–20 yr

प्रवेश उमेर

18–65

विशेषता

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

5% SA survival benefit paid annually from 2nd year
Death benefit SA + bonus during term
Continued cover with SA payout after term
Single-premium option available

Money-back-style whole-life paying 5% SA annually from year 2; maturity = SA less survival benefits paid + bonus.

योजना विवरण

5% SA survival benefit paid annually from 2nd year
Death benefit SA + bonus during term
Continued cover with SA payout after term
Single-premium option available
Loan up to 90% of surrender value

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।