Policy Requirements

Minimum Sum Assured
NPR 200,000

Maximum Sum Assured
No limit

Minimum Entry Age
18 Years

Maximum Entry Age
54 Years

Minimum Policy Term
16 Years

Maximum Policy Term
25 Years

Maximum Maturity Age
70 Years

Premium Paying Term
Equal to policy term

Premium Payment Frequency
Yearly, Half Yearly & Quarterly

 

• Benefits

  Annually
  2.5% of Sum Assured will be returned in desired occasion after completion of first policy anniversary date
  
  Maturity Benefit
  60% Sum Assured plus Bonus
  
  Death Benefit
  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 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