HimalayanLife Naari Jeewan Bima
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. You also receive part of the cover amount at set points during the term, not only at the end. Women-focused long-term life insurance offering annual money-back of 2.5% of Sum Assured, maturity benefit of 60% SA plus bonus, and death benefit of SA plus bonus. Policy term, premium frequency and sum assured are flexible.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 |
|---|---|
| 10-14 | Rs 35 |
| 15-19 | Rs 65 |
| 20-14 | Rs 72 |
| 25 and above | Rs 86 |
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
- Annual 2.5% money-back
- Maturity: 60% Sum assured + bonus
- Minimum Sum assured: NPR 200,000
Features
- Premium paying term equals policy term
- Minimum Sum Assured: NPR 200,000
- Entry age: 18–54 years
- Policy term: 16–25 years
- Annual money-back: 2.5% of Sum Assured after the first policy anniversary
- Maturity benefit: 60% of Sum Assured + bonus
- Death benefit: Sum Assured + bonus
- Supplementary riders: ADB, TPD/PW, Critical Illness (optional), Personal Accident (optional)
- ADB/TPD/PW limit: equal to basic SA or maximum NPR 10,000,000 (whichever is lower)
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back 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 money-back plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is HimalayanLife Naari Jeewan Bima?
HimalayanLife Naari Jeewan Bima from Himalayan Life Insurance is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy HimalayanLife Naari Jeewan Bima?
The entry age for HimalayanLife Naari Jeewan Bima is 18 – 54 years.
How long does HimalayanLife Naari Jeewan Bima run?
The policy term for HimalayanLife Naari Jeewan Bima is 16–25 years.
What bonus rate does HimalayanLife Naari Jeewan Bima earn?
For FY 2081/82, Himalayan Life Insurance declared Rs 30–86 / 1,000 of sum assured on HimalayanLife Naari Jeewan Bima. Bonus rates are set each year and are not guaranteed.
Which riders can be added to HimalayanLife Naari Jeewan Bima?
HimalayanLife Naari Jeewan Bima 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