Dhananjaya Yearly Moneyback Endowment
About this plan
The Dhananjaya Yearly Moneyback Endowment provides annual moneyback payments and life cover. It pays 5% of the Sum Assured each policy anniversary, and on death during the policy term the nominee receives the full Sum Assured plus vested bonus.
What's included
Key highlights
- 5% yearly money-back
- Minimum Sum Assured NPR 100,000
- Policy term 5–20 years
- Full protection on death: SA + vested bonus
Features
- Annual moneyback: 5% of Sum Assured each year
- Death benefit: Full Sum Assured + Vested Bonus
- Flexible policy term: 5–20 years
- Minimum Sum Assured: NPR 100,000
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 – 20 years
- Sum assured
- From Rs 1,00,000
- Premium modes
- Monthly, Quarterly, Half-yearly, Yearly
Benefits payout
- Death benefit
- Full Sum Assured + Vested Bonus
- Maturity benefit
- Remaining Sum Assured + Vested Bonus
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-14 | Rs. 25 |
| 15-19 | Rs. 25 |
| 20 and above | Rs. 25 |
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
Sun Medicare
Emergency medical rider with fixed payouts for hospitalization days.
ADB
Accidental death benefit rider.
PTD
Permanent total disability rider.
Critical Illness
Critical illness rider providing lump-sum on diagnosis of covered illnesses.
Funeral Expense
Rider to cover funeral expenses.
Loan & liquidity
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Suicide within waiting period (per company terms)
- War and allied perils
- Undisclosed pre-existing conditions
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