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Description
Keywords

HimalayanLife Dhan Sagar

Key Features

Insurance term will be 15 and 20 years
Premium payment frequency can be chosen as per convenience
Sum insured can be chosen as per customer’s need

Product Launched On :- 22 May, 2008 :
:

Policy Requirements

Minimum Sum Assured
NPR 50,000

Maximum Sum Assured
No limit

Minimum Entry Age
18 Years

Maximum Entry Age
50 Years for 15 Years Term
45 Years for 20 Years Term

Minimum Policy Term
15 Years

Maximum Policy Term
50 Years

Maximum Maturity Age
65Years

Premium Payment Frequency
Yearly, Half Yearly, Quarterly & Monthly

Benefits

For 15 years plan:

After Completion of 5 years from commencement:
25% of basic sum assured

After Completion of 10 years from commencement:
25% of basic sum assured

After Completion of 15 years from commencement:
(for 15 years term) 50% of basic sum assured plus Vested Bonus

For 20 years plan:

After Completion of 5 years from commencement:
25% of basic sum assured

After Completion of 10 years from commencement:
25% of basic sum assured

After Completion of 15 years from commencement:
25% of basic sum assured

After Completion of 20 years from commencement:
(for 20 years term) 40% of basic sum assured plus Vested Bonus

Death before maturity:
Full Basic Sum Assured plus Vested Bonus

Supplementary Riders

Accidental Death Benefit (ADB), Total Permanent Disability and Premium Waiver (TPD/PW)

(Equal to basic sum assured or maximum NPR. 10,000,000 whichever is lower)

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