Kathmandu. So far, 10 insurance companies have announced bonus rates for the fiscal year 2080/81. So far, National Life, Prabhu Mahalaxmi Life, LIC Nepal, Reliable Nepal Life, Sanima Reliance Life, Suryajyoti Life Insurance, Met Life, Citizen Life, Nepal Life and IME Life Insurance have made the announcement.
Every year, the insured gets the bonus amount based on the bonus rate announced after the actuarial valuation of the company. Until the new bonus rate is announced, the insured gets the payment for the claim payment on the basis of the latest announced bonus rate.
सिटिजन Life Insurance#
The company has fixed a minimum bonus rate of Rs 25 to a maximum of Rs 80 per thousand. The advance payment term (regular) life insurance policy is Rs 44 for 10 years to 14 years, Rs 49 for 15 years to 19 years and Rs 55 for 20 to 24 years.
In the annual advance payment term policy, the bonus rate has been fixed at Rs 25 for 0 to 9 years, Rs 27 for 10 to 14 years, Rs 27 for 15 to 19 years and Rs 28 for 20 to 24 years. The bonus rate has been fixed at Rs 35 for 0 to 9 years, Rs 39 for 10 to 14 years, Rs 41 for 15 to 19 years, Rs 46 for 20 to 24 years, Rs 65 for 25 years to 29 years and Rs 75 for 30 or above.
In regular life insurance, the bonus rate has been fixed at Rs 38 for 0 to 9 years, Rs 42 for 10 to 14 years, Rs 45 for 15 to 19 years, Rs 50 for 20 to 24 years, Rs 63 for 25 years to 29 years and Rs 73 for 30 or above. In citizen child future scheme (term) insurance and citizen child future plan plus (term) insurance, the bonus rate is Rs 40 for 0 to 9 years, Rs 44 for 10 to 14 years, Rs 47 for 15 to 19 years, Rs 52 for 20 to 24 years and Rs 67 for 25 to 29 years. In term and life insurance (Citizen Jeevan Sarathi Yojana), the bonus rate has been fixed at Rs 38 for 0 to 9 years, Rs 39 for 10 to 14 years, Rs 41 for 15 to 19 years, Rs 43 for 20 to 24 years, Rs 65 for 25 years to 29 years and Rs 80 for 30 or above.
प्रभु Laklakshmi Life###inline_tags_PLACEHOLDER_7#
Prabhu Mahalakshmi Life Insurance Company has announced a minimum of Rs 23 to Rs 73 per thousand in various insurance policies. In term life insurance, the bonus rate has been fixed at Rs 33 for 0 to 9 years and 10 to 14 years, Rs 40 for 15 to 19 years, Rs 51 for 20 to 24 years and Rs 70 for above 25 years.
In term and life insurance plans, the bonus rate has been fixed at Rs 38 for 0 to 9 years and 10 to 14 years, Rs 43 for 15 to 19 years, Rs 54 for 20 to 24 years and Rs 73 for above 25 years.
The advance payment term has been fixed at Rs 35 for 0 to 9 years and 10 to 14 years, Rs 40 for 15 to 19 years and Rs 51 for 20 to 24 years.
The bonus rate has been fixed at Rs 23 for 0 to 9 years, Rs 23 for 10 to 14 years and Rs 25 for 15 to 19 years and Rs 27 for 20 to 24 years.
Under the Mahalakshmi Term Life Insurance Scheme, the bonus rate has been fixed at Rs 45 for a period of 5 to 14 years, Rs 46 for a period of 15 years, Rs 46 for a period of 16 to 24 years, Rs 52 for a period of 25 years and Rs 52 for more than 26 years.
Mahalaxmi Saral Jeevan Bima Yojana has been fixed at Rs 52 for a period of 5 to 14 years, Rs 55 for a period of 15 years and Rs 55 for more than 16 years.
Mahalaxmi Care Insurance has been fixed at Rs 50 for a period of 5 to 14 years, Rs 51 for a period of 15 years and Rs 51 for more than 16 years. Mahalaxmi Child Savings Insurance has been fixed at Rs 32 for 5 to 14 years, Rs 35 for 15 years, Rs 35 for 16 to 19 years, Rs 39 for 20 to 21 years and Rs 39 for above 22 years.
Similarly, the company has fixed a bonus rate of Rs 35 for all periods of Mahalaxmi Annual Return Insurance, Rs 45 for all periods of Mahalaxmi Dhandhanya Insurance Scheme and Rs 38 for all periods of Mahalaxmi Term Life Insurance.
नेशनल life#
National Life has fixed a minimum bonus rate of Rs 63 to a maximum of Rs 85 in various policies. The company has announced a bonus of Rs 64 for 0 to 9 years, Rs 64 for 10 to 14 years, Rs 64 for 15 to 20 years, Rs 70 for 21 to 25 years, Rs 85 for 26 years to 29 years and Rs 85 for 30 years or above.
In term and life insurance, the company has fixed a bonus rate of Rs 64 for 0 to 9 years, 10 to 14 years and 15 to 20 years, Rs 70 for 21 years to 25 years, Rs 85 for 26 to 29 years and Rs 85 for 30 years or above.
In advance payment term insurance, the bonus rate has been fixed at Rs 63 for a period of 0 to 9 years and for a period of 10 to 14 years, Rs 64 for 15 to 20 years, Rs 64 for 21 to 25 years, Rs 64 for 26 to 29 years and Rs 64 for a period of 30 or above.
आइएमई Life Insurance
The company has fixed a minimum bonus rate of Rs 22 to a maximum of Rs 80. The bonus rate is Rs 32 for 0 to 9 years, Rs 32 for 10 to 14 years, Rs 40 for 15 to 19 years, Rs 52 for 20 to 24 years, Rs 67 for 25 to 29 years and Rs 70 for 30 or more. The bonus rate has been fixed at Rs 32 for 0 to 9 years, Rs 32 for 10 to 14 years, Rs 40 for 15 to 19 years, Rs 55 for 20 to 24 years, Rs 70 for 25 to 29 years and Rs 75 for 30 or more.
In term and lifetime plans, the bonus rate has been fixed at Rs 32 for 0 to 9 years and for 10 to 14 years, Rs 45 for 15 to 19 years, Rs 55 for 20 to 24 years, Rs 65 for 25 to 29 years and Rs 80 for 30 or more. The bonus rate has been fixed at Rs 32 for 10 to 14 years, Rs 38 for 15 to 19 years, Rs 50 for 20 to 24 years and Rs 63 for 25 to 29 years.
The advance payment term has been fixed at Rs 30 for a period of 10 to 14 years, Rs 35 for a period of 15 to 19 years, Rs 48 for a period of 20 to 24 years and Rs 63 for a period of 25 to 29 years. The bonus rate has been fixed at Rs 30 per thousand for the period of 10 to 14 years, Rs 37 for 15 to 19 years, Rs 50 for 20 to 24 years and Rs 65 for the period of 25 to 29 years.
The annual child advance payment term life insurance policy (Bal Kiran) has a bonus rate of Rs 30 for 10 to 14 years, Rs 40 for 15 to 19 years, Rs 44 for 20 to 24 years and Rs 60 for 25 to 29 years. The annual advance payment term (Dhan Sarita) life insurance has a bonus of Rs 22 for all periods.
##inline_tags_PLACEHOLDER_5#सूर्यज्योति life
For the fiscal year 2080/81, the company has announced a minimum bonus of Rs 40 to Rs 75 in term and life insurance plans, a minimum of Rs 40 to Rs 75 in term and life insurance plans, a minimum of Rs 42 to Rs 60 in advance payment life insurance plans, a minimum of Rs 45 to Rs 90 in chaurasi puja life insurance plans.
#inline_tags_PLACEHOLDER_5##नेपाल life#
The company fy 2080. The bonus rate has been fixed from a minimum of Rs 55 to a maximum of Rs 85 for Rs 81. Term Life Insurance (Safe Life, Jeevan Jyoti, Grameen Term, Term Micro, Children’s Child Education Scheme, Jeevan Laxmi, Anmol Jeevan, Jeevan Uday Single) includes Rs 60 per thousand for 0 to 10 years, 11 to 15 years and 16 to 20 years, Rs 70 for 21 to 25 years, Rs 82 for 26 to 30 years and Rs 82 for 30 years and above. The term life insurance policy (New Safe, New Children’s Life Insurance) has been fixed at Rs 65 for 0 to 10 years, 11 to 15 years and 16 to 20 years, Rs 72 for 21 to 25 years, Rs 82 for 26 to 30 years and Rs 82 per thousand for more than 30 years.
The term life insurance policy has been fixed at Rs 56 for 0 to 10 years, 11 to 15 years and 16 to 20 years, Rs 60 for 21 to 25 years, Rs 70 for 26 years to 30 years and Rs 70 for above 30 years. In term life insurance (Golden Future Life Insurance Scheme- Option 1, 2), 0 to 10 years, 11 to 15 years and 16 to 19 years 60 rupees and 20 to 25 years, 65 rupees for 26 to 30 years and 65 rupees for 30 years above, golden life insurance (future life insurance scheme- option 1, The single insurance premium is Rs 55 for 0 to 10 years, 11 to 15 years and 16 to 19 years, Rs 57 for 20 to 25 years, Rs 60 for 26 years to 30 years and Rs 60 for those above 30 years.
The term life insurance policy has been fixed at Rs 60 for 0 to 10 years, 11 to 15 years and 16 to 19 years and Rs 62 for 20 to 25 years. The term and life insurance policy (Jeevan Sahara, Anmol Jeevan) has been fixed at Rs 60 for 0 to 10 years, 11 to 15 years and 16 to 20 years, Rs 70 for 21 to 25 years, Rs 82 for 26 to 30 years and Rs 82 for above 30 years.
Under the Advance Payment Term Insurance (Jeevan Samriddhi), the insured will get a bonus of Rs 56 per thousand for a period of 15 years and Rs 56 for a period of 20 years. The advance payment term (Dhan Varsha-15, Dhan Varsha-20, New Life Prosperity, Life Advancement, New Wealth Rain, Life Peace, Children and Evergreen Life) is Rs 56 for 0 to 10 years, 11 to 15 years, 16 to 20 years, 21 to 25 years, 26 to 30 years and above 30 years. In the advance payment term insurance policy (New Life Enhancement), it has been fixed at Rs 56 for 0 to 10 years, 11 to 15 years, 16 to 20 years, 21 to 25 years, 26 years to 30 years and above 30 years. Others (Jeevan Sarathi) have rs 1000 per thousand for 0 to 10 years, 11 to 15 years and 16 to 20 years, Rs 72 for 21 to 25 years, Rs 85 for 26 years to 30 years and Rs 85 for periods above 30 years.
#inline_tags_PLACEHOLDER_5##एलआइसी Nepal#
The company is offering a minimum bonus of Rs 41 to Rs 65. Jeevan Vidya 352, Jeevan Sathi 357, Jeevan Shree 353 scheme will get Rs 51 for 5 to 9 years, Rs 52 for 10 to 14 years and Rs 53 for 15 to 19 years.
The government has announced a bonus of Rs 51 per thousand for a period of 5 to 9 years, Rs 52 for 10 to 14 years, Rs 53 for 15 to 19 years, Rs 55 for 20 to 24 years, Rs 61 for 25 to 34 years and Rs 65 for 45 and above. The government has announced a bonus of Rs 50 per thousand for a period of 5 to 9 years, Rs 52 for a period of 10 to 14 years, Rs 55 for a period of 15 to 19 years, Rs 57 for a period of 20 to 24 years and Rs 60 for a period above 25 years.
Under the child term insurance scheme, a bonus of Rs 51 per thousand for the period of 15 to 19 years, Rs 55 per thousand for the period of 20 to 24 years, Rs 63 per thousand for the period of 25 to 29 years and Rs 64 per thousand for the period above 30 years has been announced.
The company is offering a bonus of Rs 55 per thousand for a period of 10 years and Rs 57 for a period of 15 years. The government has announced a bonus rate of Rs 56 per thousand for a period of 15 years, Rs 57 for a period of 20 years and Rs 60 for a period of 25 years for the return of money (334, 335, 336, 337, 339, 343).
The government has announced a bonus rate of Rs 56 per thousand for 15 years and Rs 57 for 16 to 20 years for Bal Mamta (340) and Bal Sneh (341). Jeevan Tarang (345) scheme has announced a bonus rate of Rs 50 per thousand for a period of 10 years, Rs 41 for a period of 15 years and Rs 55 for a period of 20 years.
Under the New Jeevan Tarang (360) scheme, the government has announced a bonus rate of Rs 50 per thousand for a period of 10 years, Rs 51 for a period of 15 years and Rs 55 for a period of 20 years. Under the life savings (359) scheme, the government has announced a bonus of Rs 41 per thousand for a period of 5 to 9 years, Rs 49 for a period of 10 to 14 years, Rs 53 for a period of 15 to 19 years, Rs 57 for a period of 20 to 24 years and Rs 63 for a period above 25 years. Under the jeevan lab (361), the government has announced a bonus of Rs 51 per thousand for a period of 10 years, Rs 53 for a period of 15 years, Rs 55 for a period of 20 years and Rs 57 per thousand for a period of 25 years. The company has announced a bonus of Rs 41 for all periods of the short term (354).
मेट Life Insurance
In the three payment plan, the company has fixed Rs 45 for 1 to 15 years, Rs 55 for 16 to 20 years and Rs 65 for 21 years or above. In the mid-term growth plan, the bonus rate has been fixed at Rs 45 for 1 to 15 years, Rs 50 for 16 to 20 years and Rs 55 per thousand for 21 years and above. In the endowment plan, the bonus rate has been fixed at Rs 55 for 1 to 15 years, Rs 65 for 16 to 20 years and Rs 75 per thousand for 21 years and above.
In the Education Protection Plan, the bonus rate has been fixed at Rs 55 for a period of 1 to 15 years, Rs 65 for a period of 16 to 20 years and Rs 75 per thousand for a period of 21 years or above.
रिलायबल NepalLife
Reliable Nepal Life has announced a minimum bonus of Rs 20 to a maximum of Rs 75. Under the reliable term life insurance plan, the bonus rate has been fixed at Rs 50 per thousand for five to nine years, Rs 55 for 10 to 14 years, Rs 62 for 15 to 19 years and Rs 75 per thousand for 20 years and above.
Under the Reliable Sulabh Life Insurance Sulabh Child Life Insurance Plus Scheme, it has been fixed at Rs 25 for 5 to 9 years, Rs 29 for 10 years to 14 years, Rs 33 for 15 to 19 years and Rs 41 for 20 years and above.
In the reliable easy life insurance (single and limited term payment), the bonus rate has been fixed at Rs 25 for 5 to 14 years and Rs 26 for the period of 15 and above. In the micro term life insurance (insurance committee) and reliable micro term life insurance, it has been fixed at Rs 31 for 5 to 9 years, Rs 32 for 10 years to 14 years, Rs 33 for 15 to 19 years and Rs 34 for the period of 20 to 24 years and Rs 35 for the period of 25 and above.
In term and life insurance plans, the term and life insurance plan has been fixed at Rs 30 for 5 to 9 years, Rs 35 for 10 to 14 years, Rs 40 for 15 to 19 years, Rs 45 for 20 to 24 years and Rs 50 for 25 and above.
Under the reliable advance payment term insurance plan, the bonus rate has been fixed at Rs 50 per thousand for the period of 10, 12 and 14 years, and Rs 55 for the period of 16, 18 and 20 years.
The bonus rate has been fixed at Rs 20 for the period of 5 to 14 years, Rs 21 for 15 to 24 years and Rs 23 for 25 and above.
In the reliable higher education scheme, the bonus rate has been fixed at Rs 60 for 5 to 14 years, Rs 62 for 15 to 19 years and Rs 65 for 20 years and above.
#inline_tags_PLACEHOLDER_5##सानिमा RelianceLife
The company has fixed a minimum bonus rate of Rs 19 to a maximum of Rs 75 in various schemes. The bonus rate has been fixed at Rs 35 for 0 to 9 years, Rs 35 for 10 years to 14 years, Rs 40 for 15 years to 19 years, Rs 45 for 20 years to 24 years and Rs 70 for those above 25 years.
In the term life insurance plan (single), the bonus rate has been fixed at Rs 35 for 0 years to 9 years, Rs 35 for 10 to 14 years, Rs 38 for 15 years to 19 years, Rs 43 for 20 years to 24 years and Rs 65 for those above 25 years.
In triple term insurance, the bonus rate has been fixed at Rs 20 for 10 to 14 years, Rs 20 for 15 to 19 years, Rs 25 for 20 to 24 years and Rs 30 for those above 25 years.
In the couple term insurance scheme, the bonus rate has been fixed at Rs 20 for 15 to 19 years, Rs 25 for 20 to 24 years and Rs 30 for those above 25 years. The bonus rate has been fixed at Rs 35 for term and 9 years, Rs 35 for 10 years to 14 years, Rs 40 for 15 years to 19 years, Rs 45 for 20 years to 24 years and Rs 70 for those above 25 years.
Under the advance payment scheme, the bonus rate has been fixed at Rs 32 for 10 to 14 years, Rs 37 for 15 years to 19 years and Rs 42 for 20 to 24 years. In the annual advance payment scheme, the bonus rate has been fixed at Rs 19 for 15 to 19 years and Rs 21 for 20 to 24 years.
Fixed Security Insurance Scheme (regular fee and single fee) Bonus rate has been fixed at Rs 24 for all insurance terms of this scheme and Rs 54 for single fees. The company has sold 8,855 insurance policies under this scheme.
A bonus rate of Rs 41 has been fixed for the entire period of the 15-year advance payment plan. A total of 619 insurance policies have been sold under the scheme. A bonus rate of Rs 45 has been fixed for the entire maximum of the 20-year advance payment plan. A total of 295 insurance policies have been sold under the scheme.
A bonus rate of Rs 30 has been fixed for the entire period of the converted annual advance payment plan. A total of 597 policies have been sold under the scheme. A bonus rate of Rs 19 has been fixed for the entire period of the collective term. A total of 1,694 insurance policies have been sold under the scheme.
The bonus rate has been fixed at Rs 30 for 0 to 9 years, Rs 35 for 10 to 14 years, Rs 40 for 15 to 19 years, Rs 45 for 20 years to 24 years and Rs 60 for 25 years and Rs 30 for 0 years to 9 years, Rs 32 for 10 to 14 years. The bonus rate has been fixed at Rs 35 for 15 years to 19 years, Rs 45 for 20 years to 24 years and Rs 75 for those above 25 years.
The bonus rate has been fixed at Rs 40 for 10 years to 14 years, Rs 42 for 15 years to 19 years, Rs 52 for 20 years to 24 years and Rs 65 for those above 25 years. Rs 19 for 10 to 113 years, Rs 20 for 14 to 15 years, Rs 22 for 16 years, Rs 23 for 17 years, Rs 25 for 18 years, Rs 26 for 19 years, Rs 27 for 20 years, Rs 28 for 21 years, Rs 30 for 22 years, Rs 31 for 23 years. It is Rs 32 for 24 years and Rs 34 for 25 years and above.
This bonus rate announced by the inline_tags_PLACEHOLDER_151 #inline_tags_PLACEHOLDER_5###कम्पनीहरुले will also be applicable to death claims, full or part-term payment claims, surrender value claims, paid-up price claims and ongoing insurance policies.
