| Product Summary of Active Products |
| S.N |
Product Name |
Product Code |
Key Benefits |
Major Exclusions |
Waiting Periods |
Surrender/Exit Terms |
Pricing Band (Minimum-Maximum premium range) |
| 1 |
Himalayan Barshik Nagad Firta Jeevan Beema Yojana (Annual Cash Back Policy ) |
23 |
• Maturity Benefit: Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefit: 4% of the Sum Assured payable at each policy anniversary, provided the policy is in force.
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
71 -138.5 (Per 1000 SA) |
| 2 |
Himalayan Surakshit Bhavisya Jeevan Beema Yojana ( Pension Plan) |
28 |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Survival Benefit -Up to age of 99 yrs after the end of premium paying term : 6% of Sum Assured annually and Sum Assured at the age of 100 Yrs.
• Death Benefit- During premium paying term: Sum assured plus Accrued Bonus
• Death Benefit- After premium paying term: Sum Assured only
• Paid Up Value
• Loan/Surrender facility |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
33.85 -118.7 (Per 1000 SA) |
| 3 |
Himalayan Corporate Endowment Jeevan Beema |
29 |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
10.5 - 229.1 (Per 1000 SA) - regular Mode
193.69 -982.9 (Per 1000 SA) - Single Mode |
| 4 |
Himalayan Anmol Ratna Bal (Sawadhik) Jeevan Beema |
HARJB |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit before Risk Commencement: Return of Premium Excluding the rider premium and Extra Premium
• Death Benefit after Risk Commencement:25% of the Sum Assured plus any vested bonus, or the total premiums paid or paid-up value, whichever is higher.
• Death Benefit before Risk Commencement: Return of Premium Excluding the rider premium and Extra Premium
• Death Benefit (On simultaneous deaths of both insured child and the proposer): Child's Death: 25% of the Sum Assured plus vested bonus on the full Sum Assured.
Proposer's Death: 100% of the Sum Assured payable as a lump sum.
• MIB and PWB trigger in case of death of proposer
• Loan/Surrender facility
• Paid Up Value
• Optional Rider Benefits - 50% of Rider Sum Assured(LSR) and Funeral Expenses (FER) |
If the life insured or proposer dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Death resulting from driving without a valid driving licence.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk commencement: 2 years from policy commencement or the policy anniversary immediately following the child's completion of age 6, whichever is later. |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
34.74 -105.94 (Per 1000 SA) |
| 5 |
Group Endowment Policy With Pension Option |
GEPP |
• Maturity Benefit: Sum Assured plus Accrued Bonus or Options to buy the annuity
• Death Benefit: Sum Assured plus Accrued Bonus
• Surrender / Conversion to Individual Policy
• Paid Up Value
• Benefit under the annuity Options:
1. Annuity for Life
2. Annuity Certain for 5 Years and Thereafter for Life
3. Annuity Certain for 10 Years and Thereafter for Life
4. Annuity Certain for 15 Years and Thereafter for Life
5. Annuity for Life with Return of Purchase Price in case of death
6. Annuity Increasing at 3% per annum (Simple Interest |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
• Termination Due to Minimum Membership Requirement
• Voluntary Termination by the Employer
• Employee Withdrawal Provisions |
16.35 -202.85 (Per 1000 SA) |
| 6 |
HimalayanLife Dhan Sagar (Fifteen) |
PDS15 |
• Maturity Benefit: Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefits: A percentage of the Sum Assured is payable at the end of every 5th policy year, provided the policy is in force, as per the following schedule: 15-year term (25%, 25%, 50%)
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
82.86 -93.48 (Per 1000 SA) |
| 7 |
HimalayanLife Dhan Sagar (Twenty) |
PDS20 |
• Maturity Benefit: 115% of Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefits: A percentage of the Sum Assured is payable at the end of every 5th policy year, provided the policy is in force, as per the following schedule: 20-year term (25%, 25%, 25%,40%)
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
72.66 -81.46 (Per 1000 SA) |
| 8 |
HimalayanLife Jeewan Surakshya |
PJS |
• Maturity Benefit(End of Premium Paying Term): Sum Assured plus Accrued Bonus
• Death Benefit- During premium paying term: Sum assured plus Accrued Bonus
• Death Benefit- After premium paying term: Sum Assured only
• Paid Up Value
• Loan/Surrender facility |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
15.42 -330.38 (Per 1000 SA) |
| 9 |
Himalayan Jeewan Upahar Plan |
PJUP |
• Compulsory Endowment Policy: A Compulsory Endowment Policy with the same Sum Assured shall be issued on the first policy anniversary.
• Maturity Benefit: 25% of the Sum Assured under the Original Policy and 100% of the Sum Assured under the Compulsory Endowment Policy, together with the accrued bonus on both policies, provided both policies are in force at maturity.
• Survival Benefit: Survival Benefits under the Original Policy shall be utilized to pay the premium of the Compulsory Endowment Policy.
• Death Benefit (During the First Policy Year): Sum Assured plus accrued bonus under the Original Policy.
• Death Benefit (After the First Policy Year): Sum Assured under both the Original Policy and the Compulsory Endowment Policy, together with the accrued bonus on both policies.
Loan/Surrender Facility
Paid-Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences after issuance Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
93.45 -120.05 (Per 1000 SA) |
| 10 |
Himalayan Jeewan Upahar Plan-II |
PJUP-II |
| 11 |
HimalayanLife Nari Jeevan Beema |
PLNB |
• Maturity Benefit: 60% of Sum Assured plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefit: 2.5% of the Sum Assured payable at each policy anniversary, provided the policy is in force.
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
56.39 -85.41 (Per 1000 SA) |
| 12 |
Himalayan Life New Term Assurance Plan |
PLNTAP |
• Death Benefit- During Policy Term: Sum Assured |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall not pay any benefits:
1. Participation in illegal activities, including war (declared or undeclared).
2. Civil or military law violations.
3. Suicide within one years from the policy commencement.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Not Available |
1.25 -35.55 (Per 1000 SA) |
| 13 |
HimalayanLife Pension Plan |
PLPP |
• Maturity Benefit: Sum Assured plus Accrued Bonus or Options to buy the annuity
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value
• Benefit under the annuity Options:
1. Annuity for Life
2. Annuity Certain for 5 Years and Thereafter for Life
3. Annuity Certain for 10 Years and Thereafter for Life
4. Annuity Certain for 15 Years and Thereafter for Life
5. Annuity for Life with Return of Purchase Price in case of death
6. Annuity Increasing at 3% per annum (Simple Interest |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
17.66 - 218.92 (Per 1000 SA) |
| 14 |
HimalayanLife Single And Limited Payment Endowment Pol |
PLSLP |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
28.1 - 207.7 (Per 1000 SA) - Regular Mode
555.2 -1003.4 (Per 1000 SA) - Single Mode |
| 15 |
Himalayan Life Sulav Moneyback Plan |
PLSMP |
• Maturity Benefit: Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Death Benefit: Under 12 years term : SA + Vested Bonus (Years 0–4); 1.5× SA + Vested Bonus (Years 5–8); 2× SA + Vested Bonus (Years 9–12)
Under 15 Year Term : SA + Vested Bonus (Years 0–5); 1.5× SA + Vested Bonus (Years 6–10); 2× SA + Vested Bonus (Years 11–15)
Under 20 Years Term : SA + Vested Bonus (Years 0–5); 1.5× SA + Vested Bonus (Years 6–10); 2× SA + Vested Bonus (Years 11–15); 2.5× SA + Vested Bonus (Years 16–20)
Under 25 Years Term: SA + Vested Bonus (Years 0–5); 1.5× SA + Vested Bonus (Years 6–10); 2× SA + Vested Bonus (Years 11–15); 2.5× SA + Vested Bonus (Years 16–20); 3× SA + Vested Bonus (Years 21–25)
Survival Benefit :
Under 12 Year Term : 15% SA (Year 3), 25% SA (Year 6), 60% SA (Year 9)
Under 15 Year Term : 15% SA (Year 4), 25% SA (Year 8), 60% SA (Year 12)
Under 20 Year Term: 10% SA (Year 4), 20% SA (Year 8), 30% SA (Year 12), 40% SA (Year 16)
Under 25 Year Term: 10% SA (Year 4), 20% SA (Year 8), 20% SA (Year 12), 20% SA (Year 15), 30% SA (Year 20)
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
68.95 - 182.85 (Per 1000 SA) - Regular Mode
859.6 - 1216.7 (Per 1000 SA) - Single Mode |
| 16 |
HimalayanLife Saral Beema |
PSB |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
17.89 - 222.02 (Per 1000 SA) |
| 17 |
Himalayan Shuvalabh Jeevan Beema |
PSL |
• Maturity Benefit: Sum Assured plus Guuranteed Benefits Plus Loyalty Additions
• Death Benefit: Under Single Pay mode
- Death with in first 2 years - Base Sum Assured Accurred Gauranteed Additions
- Death between 3 years and 5 years - 125% of Base Sum Assured Accurred Gauranteed Additions
- Death after 5 years - 150% of Base Sum Assured Accurred plus Gauranteed Additions
Under Regular Pay mode
- Death with in first 2 years - Base Sum Assured plus Accurred Gauranteed Additions
- Death between 3 years and 5 years - 150% of Base Sum Assured plus Accurred Gauranteed Additions
- Death after 5 years - 200% of Base Sum Assured plus Accurred Gauranteed Additions
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
182.24 - 271.45 (Per 1000 SA) - Regular Mode
784.67 - 921.14 (Per 1000 SA) - Single Mode |
| 18 |
Himalayan Endowment Plan |
E |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
12.6 - 249.65 (Per 1000 SA) |
| 19 |
Himalayan Endowment Cum Whole Life Insurance Plan |
ECW |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Survival Benefit -Up to age of 100 yrs after the end of premium paying term : Sum Assured only
• Death Benefit- During premium paying term: Sum assured plus Accrued Bonus
• Death Benefit- After premium paying term: Sum Assured only
• Paid Up Value
• Loan/Surrender facility |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
14.6 - 373.4 (Per 1000 SA) |
| 20 |
Himalayan Jeevan Aawaran Plan |
JAE |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Two times of Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
43.23 - 178.62 (Per 1000 SA) |
| 21 |
Himalayan Jeevan Adhar Plan |
JAP |
• Maturity Benefit: Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefit: 5% of the Sum Assured payable at each policy anniversary, provided the policy is in force.
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
85.44 - 148.04 (Per 1000 SA) |
| 22 |
Himalayan Jeevan Sampanna Plan |
JS |
• Maturity Benefit: Sum Assured plus Accrued Bonus
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
53.97 - 241.74 (Per 1000 SA) - Regular Mode
662.64 - 1136.22 (Per 1000 SA) - Single Mode |
| 23 |
Himalayan Jeevan Utthan Plan |
JU |
• Maturity Benefit: Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefits: A percentage of the Sum Assured is payable at the end of every 3rd policy year, provided the policy is in force, as per the following schedule: 9-year term (15%, 15%, 70%), 12-year term (15%, 15%, 15%, 55%), 15-year term (15%, 15%, 15%, 15%, 40%), and 18-year term (15%, 15%, 15%, 15%, 15%, 25%)
• Death Benefit: Sum Assured plus Accrued Bonus
• Loan/Surrender facility
• Paid Up Value |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
92.55 - 101.42 (Per 1000 SA) |
| 24 |
Himalayan Limited Payment (Endowment Cum Whole Life) Plan |
LW |
• Maturity Benefit (End of the Endowment Term): Sum Assured plus Accrued Bonus
• Survival Benefit - Survival up to age of 100 yrs after the end of the endowment term : Sum Assured only
• Death Benefit- During the endowment term of the policy: Sum assured plus Accrued Bonus
• Death Benefit- After the end of the endowment term of the policy: Sum Assured only
• Paid Up Value
• Loan/Surrender facility |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
699.75 - 1633.45 (Per 1000 SA) - Single Pay Mode
51.55 - 336.75 (Per 1000 SA) - Regular Pay Mode |
| 25 |
Himalayan Money Back Cum Whole Life Plan |
MW |
• Maturity Benefit(End of Premium Paying Term): Sum Assured less all previously paid Survival Benefits, plus Accrued Bonus, provided the policy is in force at maturity.
• Survival Benefits (During the Premium Paying Term): A percentage of the Sum Assured is payable at the end of every 4th policy year, provided the policy is in force, as per the following schedule: 10-year Term (30%, 30%, 40% at maturity), 15-year Term (20%, 20%, 20%, 40% at maturity ), 20-year Term (15%, 15%, 15%, 15%, 40% at maturity), and 25-year PPT (15%, 15%, 15%, 15%, 15%, 25% at maturity) of the Sum Assured.
• Survival Benefit -Survival up to age of 100 yrs after the end of premium paying term : Sum Assured only
• Death Benefit- During premium paying term: Sum assured plus Accrued Bonus
• Death Benefit- After end of premium paying term: Sum Assured only
• Paid Up Value
• Loan/Surrender facility |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall pay only the paid-up value (if any) instead of the full policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in illegal activities, including war (declared or undeclared).
3. Civil or military law violations.
4. Suicide (whether of sound or unsound mind) within two years from the policy commencement or revival date.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Available after completion of three policy years, provided three full years' premiums have been paid. The surrender value is determined in accordance with the method approved by the Nepal Insurance Authority (NIA). |
60.2 - 188.3 (Per 1000 SA) |
| 26 |
Himalayan One Year's Renewable Group Term Assurance |
YRGT |
• Death Benefit- During Policy Term: Sum Assured Plus Funeral Expenses ( Lower of - 25% of Sum Assured or NPR. 2,00,000)
• Additional Riders (ADB, TPD, AWI, AMER and CI) can be added. |
If the life insured dies directly or indirectly due to any of the following causes, the policy shall not pay any policy benefit:
1. Travel in an aircraft other than as a fare-paying passenger on a scheduled flight of a recognized airline.
2. Participation in war (declared or undeclared), civil unrest, riots, rebellion, or invasion.
3. Violation of law or involvement in illegal activities.
4. Service in the armed forces (military, naval, or air force).
5. Participation in war or military operations as a civilian employee or member of a support or paramilitary force.
6. Racing, mountaineering, or hazardous sports/activities.
Note: Except for the above exclusions, the policy provides worldwide coverage, including for insureds who reside, travel, or work abroad. |
Risk Commences Immediately |
Not Available |
1.52 - 51.51 (Per 1000 SA) |
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