Key Features
- Insurance term can be determined as per requirement
- Premium payment frequency can be chosen as per convenience
- Sum insured can be chosen as per customer’s need
Approved Date: 07/10/2026
First Policy Issued Date: 11/25/2021
Amendment Date: 01/21/2026
Policy Requirements
Minimum Sum Assured
NPR 100,000
Maximum Sum Assured
No limit
Minimum Entry Age
16 Years
Maximum Entry Age
65 Years
Minimum Policy Term
5 Years
Maximum Policy Term
54 Years
Maximum Maturity Age
70 Years
Premium Paying Term
Equal to policy term
Mode of Premium Payment
Yearly, Half Yearly, Quarterly& Monthly
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Benefits
Maturity Benefits
Full Sum Assured plus Bonus
Death before maturity:
Basic Sum Assured plus Vested Bonus
Death after Maturity :
Basic Sum Assured or Basic Sum Assured plus Accidental Death Benefit up to age 70, in case of accidental death only
Supplementary Riders
- Accidental Death Benefit ADB (Equal to basic sum assured or maximum NPR. 30,00,000 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
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