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
16

Maximum Entry Age
55

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
  	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. 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