The company has introduced this plan to meet the financial needs of life assured during the term of policy wherein certain
percentages of sum assured are paid to life assured at certain fixed intervals.

Payment percentage of sum assured and time interval is as follows:
TermTime interval and percentage of sum assured to be paid
4th year5th year8th year10th year12nd year15th year20th year
12 years25% of sum assured25% of sum assured50% of sum assured along with vested bonus
15 years25% of sum assured25% of sum assured50% of sum assured along with vested bonus
20 years20% of sum assured20% of sum assured20% of sum assured40% of sum assured along with vested bonus
The salient features of the plan are as follows:
  • Minimum Age at Entry: 16 Years (Nearer Birthday)
  • Maximum Age at Entry: 50 Years (Nearer Birthday)
  • Premium Paying Term: 12, 15 or 20 Years
  • Maximum Age at Maturity: 70 Years (Nearer Birthday)
  • Minimum Sum Assured: NRs.50,000/-
  • Maximum Sum Assured: Unlimited
  • Mode of Premium Payment: Yearly/Half -yearly/Quarterly
  • Riders: ADB,PTD+PWB
Rider Benefits available on Sanima Dhanapti Plan:
Accidental Death Benefit (ADB):In case of death of life assured due to accident during premium term, the company shall pay additional sum assured (Maximum sum assured for the rider is NRs. 30,00,000/- or basic sum assured whichever is lower) to the nominee of life assured. Permanent Total Disability (PTD) and Premium Waiver Benefit (PWB): In case of permanent total disability of insured due to accident during premium term, remaining premium will be waived and disability benefit will be paid up to 10 years. Maximum sum assured for both of these riders is NRs. 30,00,000/- or basic sum assured whichever is lower. ADB rider is compulsory to avail PTD+PWB rider.