Sunaulo Bal Bhavishya (Regular Premium)
ChildRecommended
About this plan
Child-focused regular premium endowment. Minimum sum assured NPR 50,000. Entry age from birth (0) to 17 years (insured); proposer maximum age 65.. Risk commencement waiting periods vary by age.
What's included
Key highlights
- Minimum Sum assured NPR 50,000
- Entry age 0–17 years (insured)
- Premiums: yearly / half-yearly / quarterly
Features
- Minimum entry age 0 years (after birth)
- Entry age up to 17 years (insured); proposer max age 65
- Minimum sum assured NPR 50,000
- Risk commencement waiting periods depend on age
- Death benefits vary by timing: return of premiums before risk commencement; after risk commencement pay 25% SA or premiums paid (whichever greater) plus accrued bonus
- On proposer death: future premiums waived and monthly income benefit until child attains 18
Eligibility & term
- Entry age
- 0 – 17 years
- Policy term
- 5 – 25 years
- Sum assured
- From Rs 50,000
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- If death before risk commencement: return of premiums paid; If death after risk commencement during policy term: 25% of Sum Assured OR premiums paid (whichever is higher) plus accrued bonus as applicable; On maturity: Sum Assured + accrued bonus
- Maturity benefit
- Sum Assured + accrued bonus
Declared bonus
Term-wise Breakdown
FY 2080/81
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-14 | Rs. 42 |
| 15-19 | Rs. 45 |
| 20-24 | Rs. 48 |
| 25 and above | Rs. 52 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
No optional riders are attached to this plan.
Loan & liquidity
- Policy loan
- Not available
- Partial withdrawal
- No
What's not covered
- Non-scheduled/unsanctioned flights (except scheduled commercial flights authorized by law)
- Participation in war or war-like actions (whether war declared or not)
- Violation of civil or criminal law
- Suicide within two years from risk commencement or policy reinstatement — only premiums paid returned (except extra premium)
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Premium
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