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20 years Term Life Insurance Policy Nepal 24 dreadful disease

20 years Term Life Insurance Policy Nepal 24 dreadful disease is a type of life care term life insurance plan provided by Metlife insurance Nepal. We shall discuss about different features of 20 years Term Life Insurance Policy Nepal 24 dreadful disease here.


Life care Term Life Insurance Plan

Life care term life insurance plan is a protection term insurance plan for financial coverage against loss of life, unanticipated incidents and diagnosis of listed 24 dreaded diseases.

Various studies have shown that the rate of people being diagnosed with dreaded disease is increasing. these illnesses can have emotional as well as financial burden on one's family. One can always protect themselves financially and navigate through these challenges by paying a small premium to buy an insurance coverage plan.

Lifecare Term life insurance policy is designed to provide just that with the necessary financial protection from an unexpected situation or event like death or if the insured is diagnosed and proved suffering from the listed diseases. This loss of life coverage and dreaded disease insurance policy is designed to provide you and your family with the necessary financial protection, which helps your family too:

  • Pay for the cost of treatment & care of diagnosed disease;
  • Pay for recuperation aid;
  • Replace any lost income due to decreasing ability to earn;
  • Fund for a change lifestyle;
  • Helps you pay installments for your mortgage or personal loan until you are back to work.
Lifecare Term Life Insurance Plan is carefully designed to cater prospects from different walks of life with flexible policy term , competitive premiums and financial coverage against eventualities which have high incident rate in the population. If you are aged between 18 to 60, you can buy this plan today by choosing a right policy benefit, term and premium payment mode that you are comfortable with :

Lifecare Term Life Insurance Available Policy Term:

Lifecare Term Life insurance plan is available for 1, 5, 10, 15 and 20 years.

Lifecare Term Life Insurance Premium Payment Mode:

Lifecare term life insurance plan Premium payment can be made Quarterly, Semi-Annual and Annual.

Lifecare Term Life Insurance Plan has the following packages for you to select from:

  1. Lifecare term life insurance plan - My life
  2. Lifecare term life insurance plan - Beautiful
  3. Lifecare term life insurance plan - Brave

1.Lifecare Term Life Insurance Plan - My life

Lifecare Term Life insurance Plan - My Life provides financial coverage in case of loss of life only. This package provides adequate loss of life coverage at a minimum premium rate.
Minimum Coverage Amount: NPR 200,000
Maximum Coverage Amount: NPR 15,000,000

In general, Lifecare Term Life Insurance - My Life policy does not cover suicide within two years from policy issue date, war risk and pre-existing health condition.

2.Lifecare Term Life Insurance Plan - Beautiful

Lifecare term life insurance plan beautiful provides coverage against diagnosis of listed female specific 9 dreaded diseases along with loss of life. The covered dreaded disease apart from loss of life coverage is packaged as one benefit - female critical illness. One can avail coverage starting from minimum of NPR 200,000 and maximum of NPR 5,000,000 in this package.
20 years Term Life Insurance Policy Nepal 24 dreadful disease

*systemic lupus Erythematosus(S.L.E) with Lupus Nephritis (auto immune disease) affects about one in 2020 people, five times more women than men; it is most often diagnosed in people who are 15 to 40 years old. African and People of Asian and hispanic ancestry get SLE more often than Caucasians. (Source Times of India )

Lifecare term life insurance plan beautiful provides coverage against diagnosis of following female specific disease;

  • Breast Cancer
  • Cervix Uteri Cancer
  • Uterus Cancer
  • Fallopian Tube Cancer
  • Ovary or Vagina/ Vulva Cancer
  • Placenta Cancer
  • Female Carcinoma-In-Situ (35% of sum assured)
  • Systemic Lupus Erythematosus with Lupus Nephritis ( Auto Immune Disease)
  • Skin Grafting due to skin cancer or burns (35% of sum assured)
  • Facial Reconstructive surgery due to accident. (35% of sum assured)




 3.Life Care Term Life Insurance - Brave

Life Care term life insurance - Brave Provides coverage against 14 dreaded diseases mentioned below along with loss of life. The covered dreaded diseases apart from loss of Life coverage is packaged as one benefit- General Critical illness. One can avail coverage starting from NPR 200,000 and maximum of NPR 5,000,000 in this package.

Thus Life care Term Life insurance plan - Brave provides coverage against diagnosis of following diseases

  • Major Cancer
  • Stroke
  • Heart valve surgery
  • Benign Brain Tumor
  • Primary Pulmonary Hypertension
  • End Stage Lung Disease
  • Aplastic Anemia
  • Major organ Transplantation/ Bone Marrow Transplantation
  • Coma
  • Fulminant Hepatitis
  • Serious Coronary Heart disease
  • End Stage Liver disease
  • First Heart Attack
  • Kidney Failure
In general, Life Care Insurance policy - Beautiful/Brave does not cover war risk, pre- existing health condition, self- inflicted injuries and HIV/AIDS . Also , Coverage commencement date for covered critical illness benefit is 60 days from date of policy issue. Some of the covered critical illness expenses are reimbursed in percentage of sum assured. The coverage commencement date for each covered critical illness and percentage of sum assured payable in case of diagnosis is available in policy schedule and benefit plans.

To know more about this policy or to know about the premium rate feel free to message or call me at +9779851186065 (NTC)  or =9779810360134 (Ncell) or message me in my Facebook Profile or message in my Facebook page

You can also check famous insurance policies from metlife like Life shield Health Insurance in Nepal

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