Dhanapati – Money Back Plan
by Sanima Reliance Life Insurance
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. A money-back endowment plan providing periodic survival payouts to meet financial obligations at key life stages while maintaining full risk coverage of the sum assured during the policy term.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 32 | Rs 32 |
| 15-19 | Rs 37 | Rs 37 |
| 20-24 | Rs 42 | Rs 42 |
Recent years
- FY 2081/82
- Rs 32–42/ 1,000
- FY 2080/81
- Rs 0–42/ 1,000
- FY 2079/80
- Rs 32–42/ 1,000
- FY 2078/79
- Rs 50–70/ 1,000
- FY 2077/78
- Rs 32–42/ 1,000
Source: Sanima Reliance 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 survival payouts
- Death benefit: Sum Assured + Bonus
- Optional riders available
Features
- Death benefit: Sum Assured + declared and vested bonuses
- Survival benefit: fixed percentage of Sum Assured paid periodically
- Policy terms available: 12, 15 and 20 years
- Optional riders: ADB, PTD, Premium Waiver, Critical Illness
- Sum Assured band rebates per thousand (NRs 1 / NRs 2)
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
This plan states: Sum Assured + declared and vested bonus
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
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or NRs 1,00,00,000 whichever is lower
Permanent Total Disability (PTD)
Sum assured or NRs 1,00,00,000 whichever is lower payable in 120 monthly installments (balance lump sum if remaining term <120 months)
Premium Waiver Benefit (PWB)
Waives future premiums after PTD due to accident
Critical Illness (CI)
On diagnosis of covered critical illness, additional amount equal to sum assured or NRs 50,00,000 whichever is lower
Questions about this plan
What kind of plan is Dhanapati – Money Back Plan?
Dhanapati – Money Back Plan from Sanima Reliance 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 Dhanapati – Money Back Plan?
The entry age for Dhanapati – Money Back Plan is 18 – 50 years.
How long does Dhanapati – Money Back Plan run?
The policy term for Dhanapati – Money Back Plan is 12, 15 or 20 years.
How much cover can I take on Dhanapati – Money Back Plan?
The sum assured available on Dhanapati – Money Back Plan is From Rs 50,000.
What bonus rate does Dhanapati – Money Back Plan earn?
For FY 2081/82, Sanima Reliance Life Insurance declared Rs 19–75 / 1,000 of sum assured on Dhanapati – Money Back Plan. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Sum Assured + declared and vested bonus
Which riders can be added to Dhanapati – Money Back Plan?
Dhanapati – 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