HimalayanLife Insurance Company has introduced an innovative new product as “Himalayan Jeevan Upahar Plan”, money back cum endowment plan with riders benefit as optional. The product is developed to cover high net worth people who are out of the ring of life insurance.
The product offered immense return at the time of Maturity as well as covers high death benefit during policy period. The attractiveness of this product is a policyholder gets an equal sum assured endowment policy at the first policy anniversary date of master policy without any cost, as “Upahar” . 

This is a tremendously unique and special plan that offers multiple covers by providing UPAHAR POLICY (pure endowment) equal to the basic sum of PJUP plan. Both the policies mature at the same date with extensive benefits.

Product Launched On :- 12 July, 2018

: 07/12/2018
:

PJUP
Minimum Entry Age	18	Years
Maximum Entry Age	54	Years
Minumum/Maximum Policy Term	16	Years
Maximum Maturity Age	70	Years
Minimum Sum Assured	500,000	NPR
Maximum Sum Assured	-

UPAHAR
Minimum Entry Age	17	Years
Maximum Entry Age	55	Years
Minimum/Maximum Policy Term	15	Years
Maximum Maturity Age	70	Years
Minimum/Maximum Sum Assured	As per Original policy Sum Assure

• At the time of Maturity: 25% of the sum assured on the base plan and 100% basic sum assured of the UPAHAR plan plus earned bonuses on both the policies shall be paid to assured i.e., 125% of the basic sum and 200% of bonus.


• Death before maturity:  100% sum of the base plan plus earned bonus shall be paid within the first policy anniversary. 100% sum of the base plan and 100% sum of the UPAHAR plan plus earned bonuses on both the policies shall be paid after the first policy anniversary on the basis of the terms and conditions of the policy.

Applicable Riders and Maximum Limit
Accidental Death Benefit (ADB)	(Equal to basic sum assured or maximum NPR. 10,000,000 which ever is less)	Up to age 70 Years
Total Permanent Disability and Premium Waiver  (TPD/PW)	(Equal to basic sum assured or maximum NPR. 10,000,000 which ever is less)	Up to age 70 Years
Critical Illness (CI)	Critical Illness Cover up to NPR. 25 Lakh.	Up to age 65 Years
Personal Accident Benifit (PAB)	Personal accident and disabilities with Medical expenses cover up to NPR. 50 Lakh.	Up to age 65 Years