Nari Suraksha Jeevan Beema Yojana for Women by Nepal Life

25th March 2026, Kathmandu

The Nepal Life Nari Suraksha insurance plan represents a milestone in the evolution of gender-specific financial products in Nepal.

Nari Suraksha Jeevan Beema

Launched on February 16, 2026, by Nepal Life Insurance Company Limited, this plan is specifically engineered to address the unique life cycles, health risks, and financial goals of women. By combining an endowment savings model with pioneering maternity-focused riders, the “Nari Suraksha Jeevan Beema Yojana” offers a sophisticated blend of protection and wealth accumulation. It is designed to empower women from age 18 to 65 with a safety net that grows as their responsibilities increase.

Core Structure and Eligibility

The Nepal Life Nari Suraksha plan is an anticipated endowment life insurance policy with profit participation. This means policyholders are eligible for annual bonuses declared by the company, in addition to the guaranteed benefits.

• Sum Assured: Minimum of 250,000 NPR, with the maximum subject to the applicant’s income.
• Entry Age: 18 to 65 years.
• Policy Terms: Choice of 10, 15, 20, or 25 years.
• Maximum Maturity Age: 75 years.
• Payment Modes: Flexible options including monthly, quarterly, semi-annual, or annual installments.

Unique Feature: The Escalating Death Benefit

A standout characteristic of the Nepal Life Nari Suraksha plan is the built-in protection against inflation and rising life costs. Unlike standard policies where the sum assured remains static, this plan features a 25 percent increase in life coverage every five years.

• Years 1-5: 100% of Base Sum Assured + Accumulated Bonus.
• Years 6-10: 125% of Base Sum Assured + Accumulated Bonus.
• Years 11-15: 150% of Base Sum Assured + Accumulated Bonus.
• Years 16-20: 175% of Base Sum Assured + Accumulated Bonus.
• Years 21-25: 200% of Base Sum Assured + Accumulated Bonus.

This progressive structure ensures that as a woman moves from early adulthood into mid-life and senior years, her family’s financial protection automatically expands without the need for additional medical underwriting.

First-in-Nepal Maternity Protection Riders

The Nepal Life Nari Suraksha plan breaks new ground by offering specialized riders that provide financial assistance during pregnancy and childbirth—stages often excluded from traditional life insurance.

Pregnancy Complication Rider

This rider provides a lump sum payment of 100,000 NPR if the insured is diagnosed with any of 11 specified complications. These include serious conditions such as Eclampsia, Placental Abruption, Ectopic Pregnancy, and Gestational Diabetes. This benefit helps cover the high costs of emergency obstetric care.

Prenatal Care Rider

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To support the health of both mother and child, this rider offers a one-time benefit of 10,000 NPR upon a confirmed pregnancy. This fund is intended to assist with the costs of prenatal check-ups, vitamins, and diagnostic tests. Note that a one-year waiting period applies to this specific benefit.

Liquidity and Survival Benefits

Recognizing that women often manage household liquidity, the Nepal Life Nari Suraksha plan includes an annual cash gift benefit. As long as the policy is active, a percentage of the sum assured is paid out to the policyholder every year. This provides a steady stream of income that can be used for children’s education, household expenses, or personal savings.

At the end of the policy term, if the insured survives, a final maturity benefit is paid. This includes the full base sum assured plus all accumulated bonuses, providing a significant corpus for retirement or long-term goals.

Financial Flexibility and Loans

The Nepal Life Nari Suraksha plan acts as a liquid asset after three years of consistent premium payments.

Policy Loans: Policyholders can borrow up to 90 percent of the surrender value of the policy.

Emergency Collateral: The policy document can be used as security for obtaining credit from other financial institutions.

Rider Customization: Beyond maternity, women can opt for Accidental Death Benefit (ADB), Permanent Total Disability (PTD), and Premium Waiver Benefit (PWB) for total 360-degree protection.

Conclusion

The Nepal Life Nari Suraksha insurance plan is more than just a policy; it is a financial companion for the modern Nepalese woman. By integrating increasing life cover, annual cash returns, and essential maternity health support, Nepal Life has created a product that truly understands the “Nari” (woman). For those seeking to secure their future while protecting their health today, this plan sets a high bar for innovation and empathy in the insurance sector.

For More: Nari Suraksha Jeevan Beema