Gramin Sawadhik Jeevan Beema Yojana
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 micro endowment (with profit) plan designed for rural and low-income customers offering savings and protection at low premium rates.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 60 | Rs 60 |
| 11-15 | Rs 60 | Rs 60 |
| 16-20 | Rs 60 | Rs 60 |
| 21-25 | Rs 70 | Rs 70 |
| 26-30 | Rs 82 | Rs 82 |
| 30 and above | Rs 82 | — |
Recent years
- FY 2081/82
- Rs 60–82/ 1,000
- FY 2080/81
- Rs 60–82/ 1,000
- FY 2079/80
- Rs 60–82/ 1,000
- FY 2078/79
- Rs 60–82/ 1,000
- FY 2077/78
- Rs 60–82/ 1,000
Source: Nepal 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
—
What's included
Key highlights
- Micro endowment for rural protection at low premium
- Entry age 18–60, minimum SA NPR 10,000
- Policy loan up to 90% of surrender value
Features
- Entry age: 18 to 60 years
- Minimum sum assured: NPR 10,000
- Maximum sum assured: NPR 300,000
- Policy loan available after paid-up/surrender value up to 90% of surrender value
- Endowment with profit: maturity benefit and death benefit payable with bonus
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.
Optional riders
No optional riders are attached to this plan.
Questions about this plan
What kind of plan is Gramin Sawadhik Jeevan Beema Yojana?
Gramin Sawadhik Jeevan Beema Yojana from Nepal 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 Gramin Sawadhik Jeevan Beema Yojana?
The entry age for Gramin Sawadhik Jeevan Beema Yojana is 18 – 60 years.
How long does Gramin Sawadhik Jeevan Beema Yojana run?
The policy term for Gramin Sawadhik Jeevan Beema Yojana is 5 years to 49 years.
What bonus rate does Gramin Sawadhik Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Gramin Sawadhik Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Premium
Quote on request