Rider Benefits available on Sanima Saral Plan:

Accidental Death Benefit (ADB):

If the policy holder dies due to accident under enforce policy, the company shall pay additional basic sum assured but not exceeding maximum NPR 30 lakh.

This plan provides sum assured along with vested bonus to the policy holder (life assured) at the end of maturity of the policy term or to the beneficiary in case of untimely demise of the insured person before completion of term of the policy.

The salient features of the plan are as follows:

  • Minimum Age at Entry: 16 Years (Nearer Birthday)
  • Maximum Age at Entry: 60 Years (Nearer Birthday)
  • Minimum Premium Paying Term: 7 Years
  • Maximum Premium Paying Term: 54 Years
  • Maximum Age at Maturity: 70 Years (Nearer Birthday)
  • Minimum Sum Assured: NRs.25,000/-
  • Maximum Sum Assured: Unlimited
  • Mode of Premium Payment: Yearly/Half -yearly/Quarterly/single
  • Riders: ADB, PTD+PWB


Discounts on sum assured:

Sum assuredDiscount per thousands
Above 200000Rs2
Rs100000 – Rs 199999Rs1
Below Rs 100000No discount

Discounts on payment mode:

ModeDiscount %
QuarterlyNo discount