Page Title	Page title is required
Description
Keywords

Himalayan Life Sulav Money Back

Himalayan Life Sulav Jeevan Beema Insurance Scheme is a new kind of money back-life insurance scheme. Insured during this insurance plan after completing sometime of insurance period get some percentage of Insured amount is refunded, which helps you to fulfill your daily need works.100 percentage of insurance risk will be covered after the remaining term. The mind delivers much when insurance gets an over-all bonus amount.

Product Launched On :- 28 January, 2016 :
:

Policy Requirements

Minimum Sum Assured
NPR 50,000

Maximum Sum Assured
No limit

Policy Term
12/15/20 /25

Premium Paying Term
Single or 9 / 12 / 16 / 20

Minimum Entry Age
18

Maximum Entry Age
58

Max Maturity Age
70

Premium Payment Frequency
Single, Yearly, Half Yearly, Quarterly & Monthly

Survival Benefit
Policy Term	Premium Paying Term	Percentage payabe on policy anniversary date as mentioned below
		3 Years	4 Years	6 Years	8 Years	9 Years	12 Years	15 Years	16 Years	20 Years	25 Years
12 Year	Single / 9 Years	15% of Sum Assured	--	25% of Sum Assured	--	60% of Sum Assured	Accured Bonus	--	--	--	--
15 Year	Single / 12 Years	--	15% of Sum Assured	--	25% of Sum Assured	--	60% of Sum Assured	Accured Bonus	--	--	--
20 Year	Single / 16 Years	--	10% of Sum Assured	--	20% of Sum Assured	--	30% of Sum Assured	--	40% of Sum Assured	Accured Bonus	--
25 Year	Single / 20 Years	--	10% of Sum Assured	--	20% of Sum Assured	--	20% of Sum Assured	--	20% of Sum Assured	30% of Sum Assured	Accured Bonus

Death Benefit
Death during policy year	Policy Term
Death during policy year	12 Years	15 Years	20 Years	25 Years
From 0 Years to below 4 Years	Sum assured plus bonus	--
From 0 Years to below 5 Years	--	Sum assured plus bonus	Sum assured plus bonus	Sum assured plus bonus
From 5 Years to below 8 Years	1.5 times of Sum assured plus bonus	--
From 6 Years to below 10 Years	--	1.5 times of Sum assured plus bonus	1.5 times of Sum assured plus bonus	1.5 times of Sum assured plus bonus
From 9 Years to below 12 Years	2 times of Sum assured plus bonus	--
From 11 Years to below 15 Years	--	2 times of Sum assured plus bonus	2 times of Sum assured plus bonus	2 times of Sum assured plus bonus
From 16 Years to below 20 Years	--		2.5 times of Sum assured plus bonus	2.5 times of Sum assured plus bonus
From 21 Years to below 25 Years	--			3 times of Sum assured plus bonus

Supplementary Riders

Accidental Death Benefit (ADB) and Total Permanent Disability and Premium Waiver (TPD/PW)
(Equal to basic sum assured or maximum NPR. 10,000,000 which ever is less)

Critical Illness (CI) – This is optional rider coverage which shall be allowed to take our existing policyholders in the condition of medical fitness with effect from the policy anniversary date in all the product portfolio. However, the Company has sole discretion to accept or reject the application. The medical cost shall be borne by an applicant whatsoever. The maximum rider sum assured shall be NPR. 25,00,000 or actual basic sum assured whichever is lower.
Personal Accident (PA) – This is optional rider coverage which offers immense benefits during the policy period. This rider shall be allowed to take new policy holder as well as existing policy holders with effect from the policy anniversary date by paying additional rider premium. The maximum rider sum assured shall be NPR. 50,00,000 or actual basic sum assured whichever is lower