Himalayan Jeevan Aawaran Insurance Plan
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. A participating endowment life insurance plan providing maturity/survival benefits (Sum Assured + vested simple reversionary bonus) and death benefits (Sum Assured + Additional Sum Assured + accrued bonus).
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 |
|---|---|
| 0-9 | Rs 43 |
| 10-14 | Rs 43 |
| 15-19 | Rs 43 |
| 20-24 | Rs 43 |
| 25 and above | Rs 43 |
Source: Himalayan Life Insurance declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
Maturity estimator
Estimated value at maturity
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What's included
Key highlights
- Participating endowment plan
- Multiple rider options
- Flexible policy term: 7–25 years
Features
- Minimum Sum Assured NPR 100,000
- Entry age 18–50 years
- Policy term 7–25 years
- Death benefit: Sum Assured + Additional Sum Assured + accrued simple reversionary bonus
- Riders available: ADB, MIB, PWB, CI
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for endowment plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is Himalayan Jeevan Aawaran Insurance Plan?
Himalayan Jeevan Aawaran Insurance Plan from Himalayan Life Insurance is an endowment plan that pairs savings with life cover for a single adult, and suits people who want a guaranteed amount on a fixed future date.
Who can buy Himalayan Jeevan Aawaran Insurance Plan?
The entry age for Himalayan Jeevan Aawaran Insurance Plan is 18 – 50 years.
How long does Himalayan Jeevan Aawaran Insurance Plan run?
The policy term for Himalayan Jeevan Aawaran Insurance Plan is 7 to 25 years.
What bonus rate does Himalayan Jeevan Aawaran Insurance Plan earn?
For FY 2081/82, Himalayan Life Insurance declared Rs 30–86 / 1,000 of sum assured on Himalayan Jeevan Aawaran Insurance Plan. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Himalayan Jeevan Aawaran Insurance Plan?
Himalayan Jeevan Aawaran Insurance Plan can be taken with the following optional riders: Accidental death (ADB), PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request