Direct Term Lite
NPR 51/day
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Direct Term Lite by Insurer B — Term Insurance
Insurer B

Direct Term Lite

Term

Pure cover, no extras

Sum assured
NPR 20 L
Policy term
30 years
Claim ratio
95.2%
Modalities
Monthly / Yearly
Interactive

Premium calculator

Adjust the sliders to see how your premium changes. All figures are illustrative — actual premium is determined by the insurer at underwriting.

Sum assuredNPR 20 L
Your age30 years
Policy term30 years
Riders selected
Payment modality
Daily
NPR 51
Monthly
NPR 1,530
Yearly
NPR 17,258
Total premium over 30 yr term: NPR 5.5 L (illustrative)
Features

Key features

Pure protectionOnline buyingNo medicals up to NPR 5LOnline claim filingNepali helpline
Riders

Optional riders

Riders add extra protection on top of your base plan. Adding riders increases your premium.

Accidental Death
Critical Illness
Claim process

How to file a claim

1
Notify insurer
Call the 24/7 claim helpline or file online within 7 days of the event.
2
Submit documents
Upload or courier required documents: claim form, ID, policy bond, and supporting reports.
3
Assessment
Insurer verifies the claim, may assign a surveyor for large claims.
4
Settlement
Approved claims are paid via bank transfer within 30 working days per IRDAI rules.
Claim helpline: +977 98XX-XXXXXX· 24/7

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Pure Term Max

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Insurer A · High cover, low premium

Sum assured
NPR 20 L
Policy term
30 yr
Claim ratio
96.5%
Modality
Daily · Monthly · Yearly
NPR 16/day·NPR 480/mo
  • Pure protection
  • High sum assured
  • No medicals up to NPR 5L
  • Online claim filing
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SecureLine

Insurer D · Flexible term

Sum assured
NPR 15 L
Policy term
25 yr
Claim ratio
93.7%
Modality
Daily · Monthly · Yearly
NPR 15/day·NPR 460/mo
  • Convertible to whole-life
  • Increasing cover option
  • No medicals up to NPR 5L
  • Online claim filing
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EasyTerm 360

Insurer G · Quick-issue term

Sum assured
NPR 20 L
Policy term
30 yr
Claim ratio
92.4%
Modality
Monthly · Yearly
NPR 17/day·NPR 510/mo
  • Same-day issue
  • No medicals up to 10L
  • No medicals up to NPR 5L
  • Online claim filing
  • +1 more
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