• Minimum Age at Entry : 16 Years (Last Birthday)
  • Maximum Age at Entry : 60 Years (Last Birthday)
  • Maximum Age at Maturity : 70 Years
  • Minimum Terms of Policy : 5 Years
  •  Maximum Terms of Policy : 54 Years(Last Birthday)
  •  Minimum Sum Assured : Rs.100,000/-
  •  Sum Assured : Multiple of Rs.1,000/-
  • Adjustment for Mode :   
           -    Yearly: Less: 2%
    Half-Yearly:  Less: 1%
           -    Quarterly: Nil
  • Rebate for large Sum Assured :
    Rs. 199,999: Nil
          -     Rs. 200,000 to 299,999 : Rs. 1.00
          -     Rs. 300,000 & above: Rs. 2.00

Benefits Survival Benefits:

Basic sum assured plus vested bonus is paid on survival of the life assured at the end of the premium paying term.

Death Benefits:

  • In case of life assureds death during the premium paying term, the basic sum assured plus vested bonus up to death is paid.
  • In case of life assureds death after the premium paying term then, an amount equal to sum assured is paid (without any bonus additions).


Policy is eligible for bonus only during the premium paying term.
Additional Benefits:
A double accident benefit is available up to age 70 irrespective of premium paying term, by payment of additional premium as per accident benefit premium table applicable to this plan, at the option of life assured subject to maximum upto Rs. 50,00,000/-.   

Critical Illness Benefit (18 Diseases)  :  This rider is available after paying additional premium.
18 Diseases :-
1. Cancer of Specified Severity.   
2. Kidney failure requiring Regular dialysis. 
3. Multiple Sclerosis with persisting symptoms.
4. Major organ/Bone Marrow transplants(as recipient).
5. Open Heart Replacement or Repair of Heart valves.
6. Open chest CABG ( Coronary Artery by-pass graft ).
7. Permanent paralysis of Limbs.
8. Myocardial infarction ( First Heart Attack of specific Severity).
9. Stroke Resulting in Permanent Symptoms.
10. Benign Brain Tumor.
11. Alzheimer's Disease.
12. Coma of specified severity.
13. End Stage Liver failure.
14. Parkinson's disease.
15. Aorta Graft surgery.
16. Third degree burns.
17. Deafness.
18. Loss of speech.

The conditions are as follows:

  • Maximum sum assured for this riders is NRs. 50,00,000/- or basic sum assured which ever is lower.
  • Maximum age of life assured, under this rider, up to which benefits of rider are available is age 60 (last birthday).
First Policy Issue Date :  26.11.2008