HimalayanLife Jeewan Surakshya
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. HimalayanLife Jeewan Surakshya is a flexible life insurance plan allowing customers to choose policy term, premium payment frequency and sum insured. On maturity the full sum assured plus bonus is payable. In case of death before maturity the basic sum assured plus vested bonus is payable.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 |
|---|---|
| 0-9 | Rs 40 |
| 10-14 | Rs 50 |
| 15-19 | Rs 53 |
| 20-24 | Rs 59 |
| 25 and above | Rs 75 |
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
- Minimum sum assured NPR 100,000
- Policy term 15–54 years
- Riders: ADB, CI, PA
Features
- Flexible policy term as per customer requirement
- Sum insured selectable as per customer need (minimum NPR 100,000)
- Maturity benefit: full sum assured plus bonus
- Death before maturity: basic sum assured plus vested bonus
- Supplementary riders available: Accidental Death Benefit (ADB), Critical Illness (CI), Personal Accident (PA)
- Premium paying term equals policy term
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is HimalayanLife Jeewan Surakshya?
HimalayanLife Jeewan Surakshya from Himalayan Life Insurance is a whole life plan that covers the insured for life rather than a set number of years, and suits people who want to leave money behind for their family.
Who can buy HimalayanLife Jeewan Surakshya?
The entry age for HimalayanLife Jeewan Surakshya is 18 – 55 years.
How long does HimalayanLife Jeewan Surakshya run?
The policy term for HimalayanLife Jeewan Surakshya is 15-54 years.
What bonus rate does HimalayanLife Jeewan Surakshya earn?
For FY 2081/82, Himalayan Life Insurance declared Rs 30–86 / 1,000 of sum assured on HimalayanLife Jeewan Surakshya. Bonus rates are set each year and are not guaranteed.
Which riders can be added to HimalayanLife Jeewan Surakshya?
HimalayanLife Jeewan Surakshya can be taken with the following optional riders: Accidental death (ADB), Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request