This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. iEnsure Jeevan Beema Yojana is a non‑participating return‑of‑premium term plan providing coverage for the policy term. On death during the policy term the sum assured is paid; if death occurs before risk commencement premium is refunded; at maturity total premiums paid are returned.
What's included
Key highlights
- Return of premium at maturity
- Refund of premium if death before risk commencement
- Sum assured paid on death
- Risk starts after 1 year (except accidental death)
Features
- Non‑participating return‑of‑premium term plan
- Refund of premium if death occurs before risk commencement
- Sum assured payable on death during policy term
- Total premiums paid returned at maturity
- Risk commencement after 1 year (except accidental death)
- Surrender value payable only after 3 full policy years and 3 full annual premium payments
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 full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The premiums paid over the term are returned to you at maturity. There is no bonus on top.
Typical for term 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 term plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is iEnsure Jeevan Beema Yojana?
iEnsure Jeevan Beema Yojana from Nepal Life Insurance is a term plan that is pure life cover for a fixed period, with no savings element, and suits people protecting family income or a loan.
Who can buy iEnsure Jeevan Beema Yojana?
The entry age for iEnsure Jeevan Beema Yojana is 18 – 60 years.
How long does iEnsure Jeevan Beema Yojana run?
The policy term for iEnsure Jeevan Beema Yojana is 5 to 25 years.
Which riders can be added to iEnsure Jeevan Beema Yojana?
iEnsure Jeevan Beema Yojana can be taken with the following optional riders: Accidental death (ADB). Each rider carries its own premium.
Premium
Quote on request