The company has introduced new Surya Dhanasambridhi (Yearly Money Back Endowment) insurance plan as per the desire of the respective client and interested citizens. According to the wishes of the assured, fixed percentage of sum assured will be returned to assured on yearly basis during insurance period and rider benefit can be taken during insurance period.

Benefits Of This Insurance Plan:

1) Assured have benefit of getting yearly fund from insurance company for repayment of different type of loan from bank or financial institutions.

2) On the maturity date of policy, assured will get remaining amount of sum assured plus vested bonus.

3) Loan facilities can be obtained in the terms of insurance plan.

Silent Features:

  • Minimum Entry Age   : 18 Years (Nearest Birthday).
  • Maximum Entry Age  : 50 Years (Nearest Birthday).      
  • Minimum Term Year   : 10 Years.
  • Maximum Term Year   : 20 Years.
  • Minimum Sum Assured : Rs. 500,000 /-
  • Maximum Sum Assured : As per income source of assured.

Discount On The Basis Of Payment Mode

Mode of payment     Discount %
Yearly              2 %
Half yearly                  1 %
Quarterly and Salary Saving Scheme       0%

Discount On The Basis Of Sum Assured

Sum Assured                                                       :                Discount Rs. (Per 1000)

Rs. 500,00                                                           :                         Rs. 0

Rs. 500,001  to 25,00,000                                   :                         Rs. 0.50

Rs. 25,00,001 to 50,00,000                                 :                         Rs. 1

Rs. 50,00,001 to 10,00,0000                               :                         Rs. 1.50

Rs. 10,00,0001 or greater than                           :                         Rs. 2

Money Back Option

Money Back Policy Term 10 Years Term 11 to 15 Years 16 To 20 Years Term
6% Yes No No
5% Yes Yes No
4.5% No Yes No
4 % Yes Yes Yes

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 Issued Date: 2018-01-08