Shikar Insurance

News

Shikhar Insurance Company Ltd. (SICL) is an established General Insurance Company promoted by a young team of reputed Industrial and Business Houses involved in various fields like Aviation, Banking, Manufacturing, Trading, Travel Trade, Media Houses etc.

• SUNDAY FEBRUARY 15TH, 2015
  • SUNDAY JANUARY 3RD, 2016
    
    

    Allotment List of Further Public Offering

    Shares of Shikhar Insurance Company Limited have been alloted in the premises of NIBL capital on Saturday(2/1/2016). Details of the allotment can be downloaded from this link
    MORE +

  
  

  Report Of Tenth Annual General Meeting.

  Shikhar Insurance Co. Ltd. Tenth AGM Report.
  MORE +
• WEDNESDAY AUGUST 20TH, 2014
  
  

  Branch Seminar Conducted

  Shikhar Insurance Branch Seminar – 2071 has been conducted on 16th and 17th August at the corporate office of Shikhar Insurance Co. Ltd. Thapathali, Kathmandu. During the two days program, Department head and branch chiefs of all the branches of the company were gathered. During the program performance of all the branches in previous year was analyzed and plans and strategies for current year was discussed.
  MORE +
• TUESDAY FEBRUARY 4TH, 2014
  
  

  Notice on Book Closure for issuance of 2:1 right share published in “Abhiyan” daily.

  As per decision on Eighth Annual General Meeting dated 19/06/2013, Shikhar Insurance Company Limited is going to issue right share on the ration of 2:1 (1 new Kitta for existing 2 Kitta). For this purpose the share transaction book will be closed on 02/04/2014.
  
  
  

  Management

  Shikhar Insurance Company Ltd. has been promoted by a young team of reputed Industrial and Business Houses of Nepal having vast experience and excellent leadership that has steered their respective companies through the years. There are seventeen individuals representing the various walks of life. They represent various diversified fields like Banking, Insurance, Trading, Manufacturing, Aviation, Tourism etc. The Company expects to achieve success under their able guidance. The below mentioned Managers are responsible for the supervision of the overall affairs of the Company.

  

  Mr. Dip Prakash Panday, Chief Executive Officer Mr. Dip Prakash Panday, who has two decades experience in the insurance field and now working in Shikhar Insurance Company Ltd. (SICL) as CEO. Before joining Shikhar Insurance Company Ltd., he served as the General Manager at Everest Insurance for around ten years. His professional ability and prudence along with his strong belief in teamwork has helped him acquire experience in the local as well as in the international market. He gives lectures on insurance in various seminars organized by Beema Samiti and in other programs as well from time to time. He has also attended various training programs regarding insurance in UK, India etc.
  

  Phone: 4246101
  Email: dip@shikharinsurance.com

  

  Mr. Bimal Raj Nepal, Advisor Mr. Bimal Raj Nepal started his career in insurance since June, 1970 from Rastriya Beema Sansthan and had worked until 1995. Further, he continued the career in Premier Insurance Co. (Nepal) Ltd. in 1995 and has recently been with Shikhar Insurance Co. Ltd. since August, 2011. He’s core area of expertise is in Reinsurance and Claims. In pursuance of his knowledge, he had the opportunity to be trained in the college of Insurance in India, UK and Swiss Insurance Training Centre, Zurich (Switzerland) and had practical working attachments with the various well-known companies/Reinsurers and Brokers in India and the UK. He had also attended several seminars/conferences in Reinsurance in various countries e.g., India, Bangladesh, Singapore, Thailand and Egypt.
  

  Phone: 4246101
  Email: bimal@shikharinsurance.com

  

  Mr. PuskarMahat, Senior Business Development Advisor Mr. Puskar Mahat, Senior Business Development Advisor at SICL has an incomparable experience of almost three decades in the insurance field of Nepal. Before joining Shikhar Insurance Co. Ltd, he has worked with Neco Insurance Co. Ltd.
  The chronicle of his wide range of industrial knowledge include his work titles such as the Reader at Makwanpur Multiple Campus, Hetauda (1979-2006), DGM at the Neco Insurance Co. Ltd., Hetauda, while also holding the position of chairman of Narayani College, Hetauda, and the President Of Recruitment Committee of Hetauda Municipality Office, till date. Currently he is affiliated with the Rotary Club of Hetauda as a Member and Past President, Hetauda Municipality Office as a Member in Advisor Committee and Advisor in Narayani Yatayat Byabasayi Sangh from last 24 years till the date.
  His unparallel work experience makes him not only the strength of SICL but also an important asset to the economic sector of the country itself.
  

  Phone: 4246101
  Email: puskar@shikharinsurance.com

  

  Ms. Sabita Maskay, Deputy General Manager Ms. Sabita Maskey has a long experience in the insurance sector, being in Beema Sansthan for more than 20 years. Since being exposed to insurance sector for so long period she has indepth knowledge regarding the General Practice of Insurance. She is the first ACII Chartered Insurer Lady of Nepal. During her span of career she has handled many departments in Beema Sansthan like Motor Vehicle Insurance for 5 years, Fire Insurance for 12 years and Administration for 4-5 years. She conducts training classes on insurance organized by Beema Samiti, Management Association of Nepal (MAN), Staff College and she was also the member of the subcommittee for the Fire Tariff.
  She is head of Underwriting Department.
  

  Phone: 4246101
  Email: sabita@shikharinsurance.com

  

  Mr. Udit Prasad Kafle, Assistant General Manager Mr. Udit Prasad Kafle has been in the insurance field for 18 years and is the pioneer in establishing Shikhar Insurance Company Ltd. He worked more than 8 years in Everest Insurance Company Ltd. before joining Shikhar Insurance Co. Ltd. He has acquired sound knowledge of various departments like Underwriting, Reinsurance and Claim and Research. He has participated in various seminars and training programs in Nepal and India. He has participated in many training programs and seminars as resource person, organized by Beema Samiti and other organisations. He conducts programs in-house training to staff and Insurance Agents as well. His core strength lies in Underwriting so he assists the marketing team in dealing with the clients related to the technical aspects of insurance.
  He is head of Reinsurance Department.
  

  Phone: 4246101
  Email: udit@shikharinsurance.com

  

  Ms. Barishma Acharya (Saud), Assistant General Manager Ms. Barishma Acharya (Saud) has been in the insurance field since the year 2000 and has more than a decade experience in the Insurance field. She holds MBA degree from Kathmandu University and is the pioneer in establishing Shikhar Insurance Company Ltd. Previously she worked as an Assistant Manager at Everest Insurance Co. Ltd for three years. She has gained experience in various aspects of insurance like Marketing, Media Planning, Aviation Insurance, and Claims. She has attended the Aviation training course organized by Marsh Ltd in 2001 in UK and also the Reinsurance training organized by GIC in Mumbai in 2009.
  She is head of Claim Department.
  

  Phone: 4246101
  Email: barishma@shikharinsurance.com

  

  Mr. Suraj Rajbahak, Manager / Company Secretary Mr. Suraj Rajbahak is a Chartered Accountant qualified from Institute of Chartered Accountants of Nepal (ICAN). He has obtained First Merit Rank in CA examinations of ICAN.
  Beside the role of Company Secretary, he is heading the Administration Department and Internal Control Department of the company.
  

  Phone: 4246101
  Email: suraj@shikharinsurance.com

  

  Mr. Nilesh Ratna Tuladhar, Manager (Accounts) Mr. Nilesh Ratna Tuladhar is professionally qualified chartered accountant with more than 15 years of work experience in accounting, finance, auditing and taxation fields. He qualified his C.A. from ICAI, New Delhi and worked in India, U.K. and Nepal. Though accounts and finance is his core areas, he wants to make contribution to other areas of the organization as well through the experience he gained over the periods in various sectors. He believes the finance is the backbone of any business organization, so timely and accurate information along with other non financial indicators, helps business to achieve its objective and contribute its share to economic development of the country.
  

  Phone: 4246101
  Email: nilesh@shikharinsurance.com

  
  

University Oxford

New to the University

The University of Oxford is the oldest university in the English-speaking world and a leader in teaching and research. It is a collegiate University, comprising the central University and the colleges.

This site provides a general introduction to the collegiate University and aims to cover some questions you may have when you first arrive.
It is intended to supplement the detailed information contained in the University Staff Handbook and the online induction for new staff, as well as the training you will receive as part of your local induction. If you have moved to Oxford from overseas, please also visit the Information for international staff website.
Each section of this site provides an introduction to a number of different areas, with further information available as weblinks at the end of each section.
 

Sources of Information

Guides and handbooks

• About the University
  An overview of the collegiate University, including its history, structure, and statistics relating to staff and student numbers.

• Expenses and benefits guide 
  Information about claiming reimbursement of expenses incurred on behalf of the University.
• Living Out Guide
  Produced by the Oxford University Student Union, the guide is aimed at students, but contains information which may be of interest to new staff, including information about where to find accommodation and advice when renting accommodation.
• Staff Handbook
  A guide for University staff, covering terms and conditions of employment, policies and procedures, and staff benefits. There are two versions: one for academic-related staff and one for support staff.

Online resources

• Staff Gateway
  An online entry point to a range of information and resources on the University website that are of particular use to members of staff.
• Staff news
  An online news service for members of staff, which provides news and updates relating to University business and life.
• Update on major issues
  A summary of a number of key issues affecting University staff.

• Induction for new staff
  An online course, provided by the Oxford Learning Institute, which offers a general introduction to the collegiate University. 

• Information for academic staff
  Employment-related information including appointments and leave.
• Advice for new academic staff
  Information about training, mentoring, policies and procedures, and resources.
• Information for research staff
  Information about career and professional development.
• Information for international staff
  Information about relocating to the UK from overseas.

Publications

The main University-wide publications include:

• Annual Review
  Published each January, the Annual Review contains articles on research and developments at Oxford, as well as information on honours, appointments, major benefactions, and the year's financial statements.

• Blueprint
  A magazine for staff of the collegiate University. Published twice a term, it carries a mix of news and features, together with information about people and awards, and other aspects of University life.

• Gazette
  The authorised journal of record of the collegiate University, which is published weekly from September to July, with brief breaks in the Christmas and Easter vacations. Information on the University's formal business, including changes to Statutes and Regulations and meetings of Congregation, must be published in the Gazette. It also includes announcements of events, appointments to University posts, vacancies for academic and senior administrative posts, and notices about grants available.

• University Calendar
  Published by Oxford University Press each academic year, the Calendar is a compendium of information about divisions, departments, colleges, committees and University Officers. It can be purchased from local bookshops.

You can sign up to receive a print copy or email alert for the Gazette and/or Blueprint by completing the online form at Manage my Subscriptions. If you would like to receive sample copies of the publications before registering your preferences, please email gazette@admin.ox.ac.uk to receive a taster pack.

                      Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Individual & Family Health Insurance

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

Associated Services Insurance Agency offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agency, Associated Services Insurance Agency can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.

•  Insurance designed for students and adults
• Lowest rate
• Service provided worldwide 24 hours and 7 days.

google.com
 

Yale University

Summary

Yale University is a private institution that was founded in 1701. It has a total undergraduate enrollment of 5,477, its setting is urban, and the campus size is 343 acres. It utilizes a semester-based academic calendar. Yale University's ranking in the 2016 edition of Best Colleges is National Universities, 3. Its tuition and fees are $47,600 (2015-16).
Yale University, located in New Haven, Connecticut, is known for its excellent drama and music programs, which reach outside the classroom with student organizations such as the Yale Whiffenpoofs, a famous a cappella group, and the Yale Dramatic Association. The Yale Bulldogs compete in the Ivy League and are well known for their rivalry with Harvard. Students are assigned to live in one of 12 residential colleges during their time at Yale. Each college has a master and dean who live in the college and eat with students in the dining halls. Cultural houses provide a space for students to build a sense of cultural identity on campus.
Yale is made up of the College, the Graduate School of Arts and Sciences and 13 professional schools. Included in the professional schools are the top ranked Law School and highly ranked School of Management, School of Medicine , School of Art and School of Nursing. The School of Drama, School of Forestry and Environmental Studies and Divinity School are also well-regarded graduate programs. The Yale Record is the oldest college humor magazine in the nation. Dwight Hall is an independent umbrella organization that fosters student service and activism in the local New Haven community. Yale is well known for its secret societies, the most famous of which are the Skull and Bone Society, which boasts members such as George W. Bush and John Kerry, and the Scroll and Key Society. Distinguished Yale alumni include actress Meryl Streep, Washington Post reporter Bob Woodward and actor Edward Norton.
 google.com
 







The student-faculty ratio at Yale University is 6:1, and the school has 74.6 percent of its classes with fewer than 20 students. The most popular majors at Yale University include: Economics, General; Political Science and Government, General; Biology/Biological Sciences, General; History, General; and Psychology, General. The average freshman retention rate, an indicator of student satisfaction, is 98.8 percent.

Kathmandu University

Department Overview 

Founded in 1994, Kathmandu University, Dhulikhel, has rapidly achieved a status of one of the top institutions in the nation for higher education and scientific research.

With the need to develop and deploy the digital concepts that are changing the world rapidly with astonishing inventions and innovation,Kathmandu University launched Computer Science and Engineering program.

With some 18+ years of fruitful experience in the field of computing, the department possesses a strong background in providing quality education to the students herein. Continuous interaction,contact hours,technology and project work/industry internship are the compelling factor for KU to be the first choice of students.

The dissolved set of diverse faculties with quest of leadership education and each fashioned in providing up-to date course materials are the key points in selecting KU’s Computer Engineering as the career step by most of the students.

google.com

 

[SALIENT FEATURES]

• Involvement of IT expert in the subject committee.
• Updated syllabus to meet the industry requirement.
• Faculty members with reputed degrees and expertise.
• Industry based Faculty members
• Intensive guidance by the faculties.
• Industry based internship(3 months)
• Higher contact hours
• Project works based learning methodology
• Industry standard mini and mega projects.
• 1:1 ration of computers and students
• 100% industry absorption rate
• 24 * 7 internet connectivity(including hostel)
• Visiting faculties from software industries.
• Frequently seminar organised by IT-experts.
• Internationally acceptable grading system
• Video Conferencing and E-learning

[CAREER PROSPECTS]

• Software Industries
• Research and Development
• Academics
• Financial Institutions
• NGO/INGO
• Government recruitment

[RESEARCH ACTIVITIES]

Research activities determine the gravity of academic entity. At DoCSE,faculty members and students devote significant amount of time in research activities, thus keeping themselves abreast with the state of the art technology.

Current research areas at Department of Computer Science and Engineering includes Natural Language Processing, Software Engineering and Grid Computing.

 

KANTIPUR CITY COLLEGE, KATHMANDU

                       KANTIPUR CITY COLLEGE, KATHMANDU 

Vision

Kantipur City College lays special stress on producing human resources to meet the challenges of contemporary times through transmitting knowledge and skills to the students. Its focus on student-centric innovative education, training and career build-up has been instrumental in facilitating its graduates to compete well in the market.

 

 Facilities

KCC offers state-of-the-art technology and best infrastructure within its campus. Students have access to all the resources and equipments necessary for study and research.

Computer Center
KCC incorporates a well-equipped computer center comprising of 100 computers networked together with a high-speed backbone (100 mbps). This center provides students access to various computing facilities and services from 6:00 to 20:00 hrs. Services that are embedded at KCC`s intranet are:

A 24 hrs high-speed Internet Connectivity through a dedicated radio link facilitates students for an easy access to Internet.

An Electronic Library , a repository of various books and research papers in digital form, provides flexible searching and listing of unlimited information.

An Online Lecture System , a virtual classroom runs on top of intranet system at KCC computer center, where lecture notes, assignments and other reference materials are posted and collected.

A well structured Student Information System runs on KCC intranet where students log on to collect their academic reports, teachers log on to feed academic grading of students, and management log on to keep closer look on students` academic progress.

An active Discussion board , running on the intranet, helps KCC family for prompt and efficient internal communication and effective interaction.

Library & Resources Center

The Librarian works with the Learning Resources Committee and individual faculty to collect print and non-print resources. The collection emphasizes on Information Technology, Engineering, Management Information System, Business Administration, etc.

Sports & Recreation  

KCC provides good numbers of sports facilities like- Table Tennis, Badminton, Cricket, Football, etc. Students participate in Media club, Sports club and Cultural club. It keeps the spirit of sports and extra-curricular activities alive and kicking.

Every year KCC organizes an Inter-College Cricket Tournament, KCC Running Trophy. Twelve different colleges, affiliated to Purbanchal University, competed for KCC Running Trophy-2003.

Car Insurance

Cover for your car and other people's vehicles and property

Comprehensive Car Insurance in NSW starts from as little as $1.60 a day. For that we cover your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems^. It also includes hire car cover for up to 21 days if your car's stolen.

Upgrade to our Comprehensive Plus Car Insurance for all the cover of our Comprehensive Car Insurance with extras including hire car, excess-free windscreen, sunroof, glass cover and more.

google.com

 

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

• Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing
• Existing customers, please call us on 132 132 so we can update your policy

Why choose NRMA Insurance?

• Automatic cover for modifications, options and accessories
• Flexible excess levels to help reduce your premium
• With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.
• Experience – we've been insuring Australians for over 85 years
• We cover anyone who drives your car**
• Lifetime guarantee on repairs we authorise
• 24/7 Helpline assistance
• No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

Rice University

Rice's superb academics on an attractive residential campus on the edge of sprawling Houston can make those who still put gasoline in cars feel better about oil company profits, as some of that cash is going into a large endowment. A residential college system like Yale's subdivides Rice's student body into manageable units for living and learning, a human touch leavening the intensity. The framed pictures of world leaders in the James Baker School may make Republicans feel more comfortable here than at other elite but more liberal institutions. Regardless of one's politics, the education available is first class.

  

Admissions

Selectivity

Selectivity Score: 90/100

Acceptance Rate: 16.7% accepted of 15,415 applications

100% of students graduated in the top half of their class. 
97% of students graduated in the top quarter of their class. 
90% of students graduated in the top tenth of their class.

		25th - 75th Percentile
ACT	Composite	31 - 34
	English	31 - 35
	Math	30 - 35
	Writing	8 - 9
SAT	Math	700 - 790
	Reading	670 - 760
	Writing	670 - 770

Admission Considerations

Very Important: Talent Ability, Standardized Test Scores, Rigor Of Secondary School Record, Recommendations, Extracurricular Activities, Class Rank, Character Personal Qualities, Application Essay, Academic GPA

Important: Level Of Applicants Interest

Also Considered: Work Experience, Volunteer Work, State Residency, Racial Ethnic Status, Interview, Geographical Residence, First Generation College Student, Alumni Relation

High School Curriculum (years of study):

	Required	Recommended
English	4	0
Math	3	4
Science	2	4
Science Lab	2	4
Social Studies	2	4
Foreign Language	2	4
Academic Electives	3	0

Other Application Information: All SAT Scores Required for Review SAT Reasoning Test and Subject Tests; or ACT

 

 

History of education in Nepal

History of Education has established itself as a leading, international, peer-reviewed journal, focusing on the history of education in all parts of the world. The history of education is the history of teaching and learning. Each generation, since the beginning of human evolution and writing, has sought to pass on cultural and social values, traditions, morality, religion and skills to the next generation. The passing on of culture is also known as enculturation and the learning of social values and behaviours is socialization. The history of the curricula of such education reflects human history itself, the history of knowledge, beliefs, skills and cultures of humanity. History of educations
are same in most of the cases. In case of world history first of all it was verry difficult to take education because in most of the country it was believed that education takes people towards lightness, and this was not good for cruel royal family. Because in most of the part of the world there was cruel royal system. In pre-literate societies, education was achieved orally and through observation and imitation. The young learned informally from their parents, extended family and grand parents. At later stages of their lives, they received instruction of a more structured and formal nature, imparted by people not necessarily related, in the context of initiation, religion or ritual.
All people start ti think that why education is important for them. With the development of writing, it became possible for stories, poetry, knowledge, beliefs, and customs to be recorded and passed on more accurately to people out of earshot and to future generations. In many societies, the spread of literacy was slow; orality and illiteracy remained predominant for much of the population for centuries and even millennia. Literacy in preindustrial societies was associated with civil administration, law, long distance trade or commerce, and religion. A formal schooling in literacy was often only available to a small part of the population, either at religious institutions or for the wealthy who could afford to pay for their tutors. The earliest known universities, or places of higher education, started teaching a millennium or more ago. in this way people start to read and begien to gain knowlledge about education.

History of Education in Nepal:-At first, the history of Nepal began with the establisment of first school in 1853. Although, this was first school, Nepali people could not get
admitted to it. This is because the school was established for the purpose of giving education only to Rana family. This education was only
for rulling Rana families their coutries, their relatives and for rich people. Schooling for the general people began only after 1951 when
a popular movement ended the autocratic Rana family regime and initiated a democratic system. In the past fifty years, there has been a
dramatic expansion of educational facilities in the country. The Ministry of Education is the apex body responsible for initiating and
managing educational activities in the country. The Minister of Education, assisted by the State/Assistant Minister, provides political
leadership to the Ministry. The Ministry, as a part of the government bureaucracy, is headed by the Secretary of Education and consists of
the central office, various functional offices and offices located at the regional and district levels. The Central Office or the Ministry is mainly
responsible for policy development, planning and monitoring and evaluation regarding different aspects of education. this suggest to all the
Nepali people. Then With a purpose of bringing education administration nearer to the people, the Ministry has established five Regional
Directorates and 75 District Education Offices in five development regions and 75 districts respectively. These decentralized offices are
responsible for overseeing nonformal and school level educational activities in their respective areas. Regional Directorates are mainly
responsible for coordinating and monitoring and evaluation of education activities and the District Education Offices are the main
implementing agencies. NCED[citation needed is an Apex body for teacher training in Nepal. There are 34 Educational Training Centers under
NCED to support the teachers in pedagogical areas. In this way education sector went on improvement.

GURANS LIFE INSURANCE

GURANS LIFE INSURANCE COMPANY LTD.

Gurans Life Insurance Co .Ltd. has been established and registered under Company Act 2063 B.s.(Regd. No. 1005/063-64) and Insurance Act 2049 

as a public Limited Co. and was issued a license to operate Life Insurance Business on 2064/12/18. Gurans Life Insurance Co. Ltd. is promoted by 

T.M Dugar Group, Sunrise Bank Ltd. along with group of diverse and renowned Businessmen, Industrialist and Legal professionals.

Our Products

Gurans Endowment with Profit Policy

The most popular form of life assurance since it makes provision for the family of the Assured in the event of early death, as also assures a lump sum amount at a desired age. The amount assured, if not paid by reason of earlier death becomes payable at the end of the endowment term. Premiums are payable for a term of years equal to the endowment term or until death if it occurs within this period. If payment of premiums is discontinued after at least two years premiums have been paid, a paid up policy for an amount bearing the same proportion to the sum assured as the number of premiums actually paid bears to the number stipulated for in the policy, will be automatically secured. Such reduced paid up policy will not be entitled to participate in the profits declared thereafter.

First Policy issue date

·         :: 01-06-2008

Key Feature

·         :: Minimum Entry Age : 16 Years

·         :: Maximum Entry Age : 65 Years

·         :: Minimum Policy Term: 5 Years

·         :: Maximum Policy Term: 54 Years

·         :: Maximum Maturity Age : 70 Years

·         :: Minimum Sum Assured: Rs. 25 Thousand

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         :: Sum assured plus bonus in case of the maturity

·         :: Sum assured plus bonus will be paid to nominated person in case of death of the assured.

·         :: Loan facility

·         :: Tax benefits

Additional Benefits

·         :: Premium Waiver

·         :: Double Accident Benefit

·         :: Money Back

·         :: Monthly Income Benefit

·         :: Permanent Total Disability Benefit

·         :: Rider Benefit

Gurans Money Back Endowment with Profit Policy

This policy is of special interest to persons who, besides desiring to provide for their own old age and family, feel the need for lump sum benefits at periodical intervals. Unlike ordinary Endowment Assurance, where the full Sum Assured in the event of survivance is payable only at the end of the endowment period, under this scheme:

First Policy issue date

·         :: Money Back 15 -- 01-06-2008

·         :: Money Back 20 -- 08-06-2008

1. 15 Years Gurans Money Back

·         :: 25% of Sum Assured at the end of 5 years

·         :: 25% of Sum Assured at the end of 10 years

·         :: 50% of Sum Assured at the end of 15 years

2. 20 Years Gurans Money Back

·         :: 25% of Sum Assured at the end of 5 years

·         :: 25% of Sum Assured at the end of 10 years

·         :: 25% of Sum Assured at the end of 15 years

·         :: 25% of Sum Assured at the end of 20 years

However, in the event of death at any time within the selected term, the full sum assured is payable without any deduction or adjustment for the amount that may have been paid earlier by way of survival benefit. Premiums are payable for the second term years or till death if it occurs within this period. The bonus additions to the policy will be reckoned on the full sum assured and are payable at the end of the selected term or at the life assured's death, if previous. In the event of cessation of the premium under this policy, paid-up assurance, payable at the end of the selected term of years or at the life assured's death if previous, is automatically secured provided premiums have been paid under the policy for not less than two years and a minimum paid-up assurance of Rs.1000/- exclusive of any attached bonus secured.

Key Features

·         :: Minimum Entry Age : 16 Years

·         :: Policy Term: 15/20 Years

·         :: Maximum Maturity Age : 70 Years

·         :: Minimum Sum Assured: Rs. 50 Thousand

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         :: Sum assured plus bonus in case of the maturity (e.g. Sum assured is known as remaining partial amount of sum assured to be returned.)

·         :: Sum assured plus bonus will be paid to nominated person in case of death of the assured.

·         :: Loan facility

·         :: Tax benefits

Additional Benefits

·         :: Double accident benefit is available with nominal extra premium. In case of the death of the assured, a nominee will receive assured amount, bonus plus Rs. 25 lac (maximum).

Gurans Endowment with Whole Life Policy

The mostly benefied product for the assured.

First Policy issue date

·         :: 18-11-2008

Key Feature

·         :: Minimum Entry Age : 16 Years

·         :: Maximum Entry Age : 65 Years

·         :: Minimum Policy Term: 5 Years

·         :: Maximum Policy Term: 54 Years

·         :: Maximum Maturity Age : 70 Years

·         :: Minimum Sum Assured: Rs. 1 Lacks.

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         a) On Death of Life Assured during the term of the policy: FULL SUM ASSURED + BONUSES DECLARED AND VESTED IN THE POLICY.

·         b) On Survival to Maturity Date: SUM ASSURED + BONUSES DECLARED AND VESTED IN THE POLICY

·         c) On Death of Life Assured after the premium term of the policy: FULL SUM ASSURED

·         d) Premiums are payable : UPTO THE DATE OF MATURITY OR UPTO DEATH IF EARLIER

·         e) Loan facility

·         f) Tax benefits

Additional Benefits

·         :: Double accident benefit is available with nominal extra premium. In case of accidential death of the assured, a nominee will receive assured amount, bonus plus Rs. 25 lac (maximum) or whichever is lower than rider benefit amount.

Child Endowment with Profits

This policy allows to make provision for Childern's Education or Marriage. Although, under this policy Sum Assured along with bonus is payble only at the end of the selected term, in the event of unfortunate death of the life assured 1% of sum assured is payable monthly from death to date of maturity.

Premium under this policy are payable for the selected term of the policy or till death of Life Assured if occurs before date of maturity. However, bonus will accure upto the end of the term, even after cessation of the premiums on death.

By payment of extra premium Accident and Disability Benefit(due to accident) can be covered. If this benefit is availed, the benefits are payble immediately on the date of the death/Disability by accident. However, the basic Sum Assured with bonuses is payable at the end of the term.

First Policy issue date

·         :: Gurans Bal Surakshya Jeevan Bima -- 14-11-2008

·         :: Gurans Naulo Bal Surakshya Jeevan Bima -- 12-01-2012

Key Feature

·         :: Minimum Entry Age : 0 Years

·         :: Maximum Entry Age : 15 Years

·         :: Minimum Policy Term: 5 Years

·         :: Maximum Policy Term: 30 Years

·         :: Maximum Maturity Age : 30 Years

·         :: Minimum Sum Assured: Rs. 50 Thousand

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         :: Sum assured plus bonus in case of the maturity

·         :: Sum assured plus bonus will be paid to nominated person in case of death of the assured.

·         :: Tax benefits

Additional Benefits

·         :: Premium Waiver Benefit

·         :: Monthly Education Benefit

Gurans Sanjeevani Pre-payment Insurance Policy

5% of Sum Assured is devided by 12 will be returned to the client after completing 5 years (aniversary date) from date of commencement in every month. Same payment will be continued till maturity of policy or death of assured. And, after completing 15 years (at aniversary date form commencement date) 50% of the sum assured plus bonus will be returned to the client. If the death of assured is earlier than the maturity of policy then, full/parcial sum assured plus bonus will be returned as per insurnce act.

First Policy issue date

·         :: 22-02-2011

Key Feature

·         :: Minimum Entry Age : 16 Years

·         :: Maximum Entry Age : 55 Years

·         :: Minimum Policy Term: 15 Years

·         :: Maximum Policy Term: 15 Years

·         :: Maximum Maturity Age : 70 Years

·         :: Minimum Sum Assured: Rs. 200 Thousand

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         :: Sum assured plus bonus in case of the maturity

·         :: Sum assured plus bonus will be paid to nominated person in case of death of the assured.

·         :: Loan facility

·         :: Tax benefits

Additional Benefits

·         :: Premium Waiver

·         :: Double Accident Benefit

·         :: Money Back

·         :: Monthly Income Benefit

·         :: Permanent Total Disability Benefit

·         :: Rider Benefit

LIMITED PAYMENT ENDOWMENT WITH PROFITS

The most popular form of life assurance since it makes provision for the family of the Assured in the event of early death, as also assures a lump sum amount at a desired age. The amount assured, if not paid by reason of earlier death, becomes payable at the end of the endowment term. Premiums are payable for a limited period of chosen term or until death if it occurs within this period. If payment of premiums is discontinued after at least two years’ premiums have been paid, a paid up policy for an amount bearing the same proportion to the sum assured as the number of premiums actually paid bears to the number stipulated for in the policy, will be automatically secured. Such reduced paid up policy will not be entitled to participate in the profits declared thereafter.

First Policy issue date

·         :: 30-05-2013

Key Feature

·         :: Minimum Entry Age : 11 Years

·         :: Maximum Entry Age : 60 Years

·         :: Minimum Policy Term: 10 Years

·         :: Maximum Policy Term: 30 Years

·          

:: Policy Term Years:	10	15	20	25	30 Years
:: Policy Pay Terms:	1/5	1/5/10	1/5/10/15	1/5/10/15/20	1/5/10/15/20/25

·         :: Maximum Maturity Age : 70 Years

·         :: Minimum Sum Assured: Rs. 50 Thousand

·         :: Premium Payment Frequency : Single/Yearly/Half Yearly/Quarterly

Benefits

·         :: Sum assured plus bonus in case of the maturity

·         :: Sum assured plus bonus will be paid to nominated person in case of death of the assured.

·         :: Loan facility

·         :: Tax benefits

Additional Benefits

·         ::ADB/PWB/TPD (Accident only) Available for Age at entry 16 years and above

Gurans Foreign Employment Policy

Gurans Baideshik Rogjar Myadi jeevan beema yojana is designed to cover natural as well as accidental insurance for people living and working out of Nepal.

Sample Premium Rate

Following is the Sample Premium Rate For Gurans Foreign Employment Policy

Age	1 Year	2 year	3 Year	4 Year	5 Year
18-35	1025	1825	2430	3050	3550
36-50	1500	2500	3400	4200	4900
51-64	3500	5000	6600	8300	10000

First Policy issue date

·         ::2008-06-03

Key Feature

·         :: Minimum Entry Age : 18 Years

·         :: Maximum Entry Age : 64 Years

·         :: Minimum Policy Term: 1 Years

·         :: Maximum Policy Term: 5 Years

·         :: Maximum Maturity Age : 69 Years

·         :: Minimum Sum Assured: Rs.500,000

·         :: Maximum Sum Assured: Rs.500,000

·         :: Premium Payment Frequency : Single

Benefits

·         :: Maturity Benifit : None

·         :: Death Benifit: NPR 500,000 and body carrying cost of NPR 100,000

Gurans Annual Cash Back Life Insurance Policy

We have introduced this policy with focus to customers, who have to make repayment of loans or to fulfill individual needs. In this policy, 4% of sum assured will be returned to the assured at completion of every year. On policy maturity date the remaining sum assured plus earned bonus will be returned to the policy holder. In case of death of assured is before the maturity of policy, full sum assured plus earned bonus will be returned to nominee.

First Policy issue date

·         ::

Key Feature

·         :: Minimum Entry Age : 18 Years

·         :: Maximum Entry Age : 55 Years

·         :: Minimum Policy Term: 10 Years

·         :: Maximum Policy Term: 20 Years

·         :: Maximum Maturity Age : 65 Years

·         :: Minimum Sum Assured: Rs. 500,000

·         :: Premium Payment Frequency : Yearly/Half Yearly/Quarterly

Benefits

·         :: 4% of Sum Assured will be returned back to assured annually.

·         :: Bonus plus remaining sum assured will be paid to the assured after maturity.

·         :: Sum Assured plus bonus will be paid to nominated person in case of death of the assured as per the policy conditions.

Additional Benefits

·         :: Premium Waiver

·         :: Double Accident Benefit (up to 30 lakhs)

·         :: Monthly Income Benefit

·         :: Permanent Total Disability Benefit