Gramin Sawadhik Jeevan Beema Yojana
Endowment
About this plan
A micro endowment (with profit) plan designed for rural and low-income customers offering savings and protection at low premium rates.
What's included
Key highlights
- Micro endowment for rural protection at low premium
- Entry age 18–60, minimum SA NPR 10,000
- Policy loan up to 90% of surrender value
Features
- Entry age: 18 to 60 years
- Minimum sum assured: NPR 10,000
- Maximum sum assured: NPR 300,000
- Policy loan available after paid-up/surrender value up to 90% of surrender value
- Endowment with profit: maturity benefit and death benefit payable with bonus
Eligibility & term
- Entry age
- 18 – 60 years
- Policy term
- 5 years to 49 years
Declared bonus
Term-wise Breakdown
FY 2082/83
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-10 | Rs. 60 |
| 11-15 | Rs. 60 |
| 16-20 | Rs. 60 |
| 21-25 | Rs. 70 |
| 26-30 | Rs. 82 |
| 30 and above | Rs. 82 |
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.
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