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  • Shanta Plaza, Gyaneshwor
  • +977 1 4545941 / 4545942
Image is of Critical Illness Rider

We have all seen an increase in deaths caused due to critical illnesses such as various heart conditions, cancers, kidney problems, etc. This may be due to our changing lifestyle, where we have to operate in higher levels of stress, the food we eat which may be contaminated by various harmful chemicals, the impure water we drink, or the polluted air that fills our lungs.

Facts and Figures

20% % of Nepalese Population suffering from some kind of heart-related problem Nepal Heart Foundation
1 out of 6 Deaths are due to some form of Cancer World Health Organization (WHO)
70% Deaths due to cancer occur in low and middle-income countries World Health Organization (WHO)
1/3rd Kidney Patients had to sell their property for their treatment National Kidney Center, Banasthali, Kathmandu
Rs. 24,000 Cost per Dialysis National Kidney Center, Banasthali, Kathmandu
Rs. 500,000 to Rs. 2,500,000 Cost per Organ Transplant Various Sources

JyotiLife takes pride in being the first Nepali Life Insurance Company to take a step forward towards providing the best medical coverage against these ailments. Critical Illness (CI) is an additional coverage/rider that can be jointly subscribed to along with most of the products JyotiLife has to offer.


Under this rider benefit, if insured is diagnosed to be suffering from the listed critical illness diseases, the company will pay a lump sum covered amount as agreed in the policy to the life insured.

Rider Options

  • Critical Illness Gold: Coverage for 35 Critical Illness Diseases
  • Critical Illness Silver: Coverage for 18 Critical Illness Diseases

Illnesses covered

Critical Illness Gold

(Coverage for 35 Critical Illness Diseases)

Critical Illness Silver

(Coverage for 18 Critical Illness Diseases)

1. Major Cancer 1. Major Cancer
2.Both Kidneys Failure 2.Both Kidneys Failure
3.Primary Pulmonary Arterial Hypertension 3.Primary Pulmonary Arterial Hypertension
4.Multiple Sclerosis 4.Multiple Sclerosis
5.Major Organ Transplant 5.Major Organ Transplant
6.Coronary Artery By-pass Graft (CABG) 6.Coronary Artery By-pass Graft (CABG)
7.Surgery to Aorta 7.Surgery to Aorta
8.Heart Valve Surgery 8.Heart Valve Surgery
9.Stroke 9.Stroke
10.Myocardial Infarction – First Heart Attack 10.Myocardial Infarction – First Heart Attack
11.Coma 11.Coma
12.Permanent Paralysis of Limbs 12.Permanent Paralysis of Limbs
13.Parkinson’s Disease 13.Parkinson’s Disease
14.End-Stage Lung Disease 14.End-Stage Lung Disease
15.End-Stage Liver Failure 15.End-Stage Liver Failure
16.Blindness – Permanent and Irreversible 16.Blindness – Permanent and Irreversible
17.Third Degree Burns – of specified severity 17.Third Degree Burns – of specified severity
18.Alzheimer’s Disease/Severe Dementia 18.Alzheimer’s Disease/Severe Dementia
19.Benign Brain Tumor – of specified severity
20.Chronic Aplastic Anemia (Resulting in permanent Bone Marrow Failure)
21.Deafness – Permanent and Irreversible
22.Loss of Speech
23.Bacterial Meningitis – resulting in permanent inability to perform activities of Daily Living
24.Motor Neuron Disease – permanent neurological deficit with persisting clinical
25.Fulminant Viral Hepatitis
26.Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living
27.Terminal Illness
28.Muscular Dystrophy
29.Encephalitis – resulting in permanent inability to perform Activities of Daily
30.Brain Surgery
31.Cardiomyopathy – of specified severity
32.Serious Coronary Artery Disease
33.Loss of Independent Existence
34.Medullary Cystic Disease
35.Systemic Lupus Erythematosus With Severe Kidney Complication

For more detail regarding definitions of diseases and terms & conditions, please click on below link:

Critical Illness Disease Definitions and Terms & Condition(Nepali)


  • Maximum Coverage Amount: 50,00,000 or Basic Sum Assured whichever is low.
  • Rider Term: Minimum 5 Years.   Maximum 20 Years.
  • Age Limitation: Minimum 18 Years. Maximum 55 Years.
  • Maximum Maturity Age: 60 Years.
  • Waiting Period: 90 days from the date of policy commencement or Reinstatement.
  • Survival Period: 30 days from the date of diagnosis of disease.

Living Benefit to Policyholders, a paradigm shift in Life Insurance in Nepal

Policyholders may bundle Critical Illness rider and obtain coverage of up to Rs. 50 lakhs as part of their life insurance plan along with other benefits. Critical Illness coverage, therefore, is a living benefit i.e. a benefit that is paid out although the policyholder is alive. As per the coverage was taken by the policyholder (up to Rs. 50 lakhs) a payout is made to the policyholder if the policyholder is diagnosed with any of the above conditions.

In order to ensure that the policyholders are provided adequate financial support at the time of need, the payout is made against the medical condition, not medical bills. This provides the policyholder real support at the time of need reducing the financial strain on the overall family and to the patient/policyholder also.

Saving a Life doesn’t require a Life’s Savings.

Life insurance amongst other benefits also is known as an instrument to safeguard the future of our loved ones should something happen to us. SuryaJyotiLife however, is making an attempt to move away from that notion by providing the financial and psychological support at the time of need to our policyholders.

Our objective is to stand and fight the dreadful disease with our policyholders and ensure they fully enjoy their life and an insurance policy that they may have to till their old age. Within a very short span of time since the operation, we, SuryaJyotiLife take pride in ensuring almost 20,000 lives impacting a countless number of dependents and family members directly or indirectly.

The benefit under this rider is payable as per the terms and conditions of policy documents, rider documents or any endorsement attached in the policy.