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“SuryaJyoti Chaurasi Puja Jeevan Beema” is a unique type of plan in Nepal Insurance market that provide high insurance coverage for long term with facility of regular income from insurance. Under this plan, one can choose the option of years for premium payment. At the end of premium payment term accrued bonus will be paid and starting from next policy anniversary date till one year before the policy maturity date (i.e policy anniversary after policyholder reaches 82 years of age) 6% of sum assured will be paid regularly in each policy anniversary. On policy anniversary date 1.5 times of sum assured will be paid to the policyholder.
| Minimum Sum Assured | NRs. 100,000/- |
| Maximum Sum Assured | Based on Income |
| Minimum age at entry | 16 years |
| Maximum age at entry | 60 years |
| Minimum/Maximum Premium Pay Term | 10 years / 50 years |
| Minimum Deferment Period (for single payment) | 10 years |
| Maximum Age at end of Premium Pay Term Or at end of Survival Deferment (For Singe Payment) | 70 years |
| Age at Maturity | 82 years |
| Mode of Premium Payment | Yearly, Half yearly, Quarterly |
First Policy Anniversary after end of premium payment term or deferment period (in case of single) |
Bonus declared and vested bonus in the policy |
From the second policy anniversary after end of premium payment term or deferment period (in case of single) till the policy anniversary one year before maturity |
6% of Basic Sum Assured |
On Policy Maturity i.e. Policy Anniversary following completion of age 82 years |
150% of Sum Assured without deducting survival benefit already paid. |
1. On Death of Life Assured During Premium paying term (for Regular Payment) or Survival Benefit Deferment period(for Single Payment) |
250% of Basic Sum Assured Plus Bonus |
2. On Death After Premium paying term (for Regular Payment) or Survival Benefit Deferment period (for Single Payment) and before age 70 years |
200% of Basic Sum Assured Plus Bonus |
3. On Death after 70 years of Life Assured before policy maturity |
Full Sum Assured X 1.5 Times |
With payment of additional premium, following additional benefits can be taken:
1. Accidental Death Benefit (ADB) Only:
In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.
2. Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:
Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000 whichever is less. In case of death due to accident, an additional benefit equal to basic sum assured is payable to the beneficiary. Due to the accident if insured become total and permanently disabled, an additional benefit equal to basic sum assured is payable in 120 instalments monthly and all future payable premium will be waived.
