Policy Requirements

Minimum Sum Assured
Npr 50,000

Maximum Sum Assured
No Limit

Minimum Entry Age
16 Years

Maximum Entry Age
65 Years

Minimum Policy Term
5 Years

Maximum Policy Term
30 Years

Max Maturity Age
70 Years

Premium Paying Term
Single or 5 / 10 / 15 / 20

Premium Payment Frequency
Yearly, Half Yearly, Quarterly & Monthly

• Benefits

  Maturity Benefits
  Full sum assured plus bonus
  
  Death before maturity: 
  Basic Sum Assured plus Vested Bonus

  Maturity Benefits

  5 years from commencement
  25% of basic sum assured

Rider Benefits

• Flexibility to add in riders like Accidental death benefits and permanent total disability in case of an unfortunate event of death of disability during policy enforce period, additional benefits will be paid as covered by ADB. All future premiums will be waived and monthly benefit will be paid to the insured in case of total permanent disability due to accident.
• (Equal to basic sum assured or maximum NPR. 30,00,000 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