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This dedicated plan for women provides regular financial protection and lifelong security all in one policy.

Product Launch Date: 16th Feb, 2026:

Why Choose Nepal Life Nari Suraksha Life Insurance Plan?​​​​​​​​​​​​​​

✓ Designed exclusively for women
✓ Increasing death benefit protection every 5 years
✓ Annual cash benefit
✓ Maternity-focused riders
✓ Flexible premium options
✓ Loan & surrender facility
✓ Long-term financial security

Key Features & Benefits:

1. Annual Cash Gift Benefit:

While the policy remains active and the insured is alive, a cash benefit is provided every policy anniversary based on the Sum Assured.

2. Increasing Death Benefit (Every 5 Years):

If the insured passes away before policy maturity, the nominee will receive:

• The increased Sum Assured (as applicable)

• Accrued bonus (calculated on the base Sum Assured)

• The Sum Assured increases by 25% every 5 completed years from the policy issue date.

Example (Age 25 | Sum Assured: NPR 500,000):

• Death within first 5 years: NPR 500,000 + vested bonus

• After 5 years but before 10 years: NPR 625,000 + vested bonus

• After 10 years but before 15 years: NPR 750,000 + vested bonus

• After 15 years but before 20 years: NPR 875,000 + vested bonus

• After 20 years until maturity: NPR 1,000,000 + vested bonus

Note: Bonus is calculated only on the base Sum Assured, not on the increased amount.

3. Maturity Benefit:

If the insured survives until the end of the policy term, the base Sum Assured along with accrued bonus will be paid as a lump sum.

Optional Rider Benefits:

The plan allows policyholders to enhance protection through optional riders:

• ADB (Accidental Death Benefit),

• ADB (Accidental Death Benefit), PTD (Permanent Total Disability Benefit), PWB (Premium Waiver Benefit)

• Prenatal Care Rider

• Pregnancy Complication Rider (PCR)

• Term Rider

In addition, Nepal Life has introduced exclusive maternity-focused riders for women a first in Nepal’s life insurance industry.

Special Maternity Protection Riders:

To provide additional support during pregnancy, the following optional benefits are available:

1. Pregnancy Complication Rider:

If the insured is diagnosed with any of the 11 specified serious pregnancy-related complications covered under this rider, a lump sum benefit of NPR 100,000 will be paid immediately.

The following complications are included under the definition of Pregnancy Complications:

✓ Eclampsia
✓ Pre-Eclampsia
✓ Placental Abruption
✓ Postpartum Haemorrhage (PPH)
✓ Severe Infection/ Puerperal Sepsis
✓ Ectopic Pregnancy
✓ Severe Preterm Labour (< 24 weeks)
✓ Pulmonary Embolism (PE)
✓ Peripartum Cardiomyopathy / Pregnancy-related Heart Failure 
✓ Pregnancy-induce Diabetes Mellitus (Gestational Diabetes Mellitus)
✓ Severe Anemia during pregnancy (HB<7 mg/DL)

Claim Requirement:

Pregnancy complications and surgical procedures along with medical evidence must be reported to company as soon as possible.

2. Prenatal Care Rider:

If the insured becomes pregnant during the policy term, Nepal Life will provide a one-time lump sum payment of NPR 10,000 to support pregnancy-related healthcare services.

Waiting Period: 1 Year

Claim Requirement:

Certification must be provided by a licensed gynecologist, medical officer, certified staff nurse, Skilled Birth Attendant (SBA), or Auxiliary Nurse Midwife (ANM) with a valid Nepal Medical Council (NMC) registration number.

Confirmations from clinics, pharmacies, home tests, or non-hospital services will not be accepted.

Eligibility Criteria:

Rider Limit:

Premium Payment Options:

✓ Flexible payment modes are available:

✓ Annual: No extra charge

✓ Semi-Annual: 1% extra

✓ Quarterly: 2% extra

✓ Monthly: 2% extra

Loan Facility:

Life insurance is also a financial asset. This policy provides loan benefits:

✓ After payment of 3 full annual premiums and completion of 3 policy years

✓ Up to 90% of the surrender value can be taken as a loan

✓ Any outstanding loan amount will be deducted from claim payment (if applicable)