IME Dhanbardhan Money Back 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. You also receive part of the cover amount at set points during the term, not only at the end. Periodic money-back plan providing partial survival payouts every 5 years while maintaining full risk cover; maturity/death payable with vested bonus. Anticipated endowment (money-back) product.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 30 | Rs 30 |
| 15-19 | Rs 35 | Rs 35 |
| 20-24 | Rs 48 | Rs 48 |
| 25-29 | Rs 63 | Rs 63 |
Recent years
- FY 2081/82
- Rs 30–63/ 1,000
- FY 2080/81
- Rs 0–63/ 1,000
- FY 2079/80
- Rs 30–63/ 1,000
- FY 2078/79
- Rs 0–63/ 1,000
- FY 2077/78
- Rs 0–63/ 1,000
Source: IME 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
- Periodic money-back every 5 years
- Death benefit: Full Sum Assured + Vested Bonus
- Terms: 15 / 20 / 25 years
- Loan facility & tax benefits
- Critical Illness rider up to NPR 5,000,000
Features
- Money-back survival payouts every 5 years
- Policy terms available: 15 / 20 / 25 years
- Death benefit: Full Sum Assured + Vested Bonus
- Loan facility available after surrender value
- Tax benefits
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Funeral Expenses, Critical Illness (up to NPR 5,000,000)
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 IME Dhanbardhan Money Back Plan?
IME Dhanbardhan Money Back Plan from IME 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 IME Dhanbardhan Money Back Plan?
The entry age for IME Dhanbardhan Money Back Plan is 18 – 55 years.
How long does IME Dhanbardhan Money Back Plan run?
The policy term for IME Dhanbardhan Money Back Plan is 15, 20, 25 years.
What bonus rate does IME Dhanbardhan Money Back Plan earn?
For FY 2081/82, IME Life Insurance declared Rs 22–80 / 1,000 of sum assured on IME Dhanbardhan Money Back Plan. Bonus rates are set each year and are not guaranteed.
Which riders can be added to IME Dhanbardhan Money Back Plan?
IME Dhanbardhan Money Back 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