Rastriya Jeevan Beema Co. Ltd. • नेपाल सरकारको स्वामित्व (स्था. २०२४)

Rastriya Jeevan Beema (RJBC) Review: Bonus Rates, Fund & Plans (2026)

राष्ट्रिय जीवन बीमा कम्पनी लिमिटेड (Rastriya Jeevan Beema Company – formerly Rastriya Beema Sansthan / RBS) is Nepal’s only state-owned life insurer, holding over NPR 55 Billion in Life Fund reserves. Explore verified government-backed bonus rates, policy types, capital restructuring, and claim procedures.

✓ 100% State-Owned Solvency
🇳🇵 Nepal Government Backing
🏛️ NEPSE: RJBC (In Process)

Jump to:
📊 KPIs
📈 Bonus Rates
📋 Top Plans
🛡️ Claim Process
⚖️ Pros & Cons
🏢 Contacts
🧮 Calculator

🛡️ Fact-Checked: Audited against Nepal Insurance Authority official statutory filings

⏱️ Valuation Period: F.Y. 2079/80 – 2080/81 • Updated for 2026

Life Insurance Fund

NPR 55B+

Sovereign Backed Reserve

Declared Bonus Rates

Rs 45 – Rs 75

Per Thousand / Year

Claim Settlement Ratio

94.5%

Reliable Public Sector Claim Record

Paid-Up Capital

NPR 5.00B

Government Restructuring Plan

Latest Declared Bonus Rates: Rastriya Jeevan Beema Company

Rastriya Jeevan Beema Company declares annual reversionary bonuses following statutory actuarial valuations approved by the Nepal Insurance Authority. Below are the declared rates in Nepalese Rupees per thousand Sum Assured (रु. प्रति हजार बीमाङ्क):

Reversionary Bonus Rates (Approved Valuation):
↔️ Swipe sideways to view all 5 tenures

Policy Category	5 – 9 Yrs	10 – 14 Yrs	15 – 19 Yrs	20 – 24 Yrs	25+ Years
Endowment Assurance (सावधिक जीवन बीमा)	Rs 45	Rs 50	Rs 58	Rs 66	Rs 75
Anticipated Endowment / Jeevan Madhu (अग्रिम भुक्तानी)	Rs 42	Rs 46	Rs 52	Rs 60	Rs 68
Child Plan / Bal Samrakshan (बाल संरक्षण)	Rs 45	Rs 50	Rs 58	Rs 66	Rs 75
Whole Life / Karmachari (कर्मचारी / आजीवन)	Rs 48	Rs 55	Rs 63	Rs 72	Rs 80

🔍 Compare Alternatives: Weigh Rastriya Jeevan Beema against leading peer life insurers in Nepal:

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Top 4 Popular Insurance Plans: Rastriya Jeevan Beema

State Employee Landmark

1. Karmachari Beema (कर्मचारी सावधिक)

The definitive institutional life savings plan utilized by hundreds of thousands of Nepali civil servants, teachers, police, and army personnel.

Eligibility: Public & Private Sector Employees | Term: Service tenure

Guaranteed Safety

2. Sawadhik Jeevan Beema (सावधिक)

Traditional endowment policy backed 100% by sovereign government guarantees, offering declared bonus additions up to Rs 75 per thousand.

Entry Age: 16 – 65 Years | Term: 5 – 30 Years

Child Welfare

3. Bal Samrakshan Plan (बाल संरक्षण)

Government-backed child educational plan with Premium Waiver Benefit (PWB), ensuring the child’s academic future is completely protected.

Child Age: 0 – 14 Years | Maturity: At Child’s Age 18 to 25

Periodic Cashflow

4. Jeevan Madhu Money Back (जीवन मधु)

Anticipated endowment disbursing milestone payments every 4 years while full sum assured life cover persists uninterrupted.

Entry Age: 18 – 55 Years | Term: 12, 16, or 20 Years

Rastriya Jeevan Beema Claim Settlement Guidelines

Rastriya Jeevan Beema maintains an audited Claim Settlement Ratio (CSR) of 94.5%. Claims are administered across 3 stages:

1. Formal Claim Intimation (दाबी दर्ता)

Notify any of RJBC’s regional offices or central head office in Ramshah Path, quoting policy and employer details.

2. Documentary Checklist (कागजात संकलन)

Submit original policy bond, Ward death certificate (मृत्यु दर्ता), nominee citizenship card, employer verification letter (for civil service), and relationship certificate.

3. Direct Bank Wire Disbursement (खातामा भुक्तानी)

Following public audit clearance, claim benefits are deposited directly into the nominee’s commercial bank account.

Independent Editorial Evaluation: Pros & Cons

✓ Strengths (फाइदाहरू)

100% Government of Nepal Backing: Absolute sovereign solvency guarantee backed by the state treasury.
Rs 55B+ Life Fund Reserve: Massive balance sheet built over nearly 6 decades of operations since 2024 BS.
Universal Trust: Highest peace of mind for public sector employees and risk-averse citizens.
High Top-Tier Bonus: Declares up to Rs 75 to Rs 80 per thousand on whole-life categories.

✗ Limitations (कमजोरीहरू)

Digital self-service infrastructure is noticeably slower and more bureaucratic than modern private peers.
Customer service response times can be slow during peak financial audit and fiscal year ends.

🏆 Beema Nepal Verdict: Who Should Buy from Rastriya Jeevan Beema?

Rastriya Jeevan Beema is unbeatable for government employees and highly risk-averse citizens who seek 100% sovereign government safety and an institutional legacy of over 55 years, and who don’t mind traditional public-sector administrative workflows.

Corporate Contact & Major Branch Hubs

Corporate Head Office: RJBC Central Building, Ramshah Path, Kathmandu, Nepal

Telephone: +977-1-4222033 / 4226884 | Email: info@rjbc.com.np

Official Website: rjbc.com.np

Major Provincial Hubs: Biratnagar (Koshi), Janakpur & Birgunj (Madhesh), Kathmandu & Hetauda (Bagmati), Pokhara (Gandaki), Butwal & Nepalgunj (Lumbini), Surkhet (Karnali), Dhangadhi (Sudurpashchim).

Frequently Asked Questions: Rastriya Jeevan Beema Company

Q: Is Rastriya Jeevan Beema Company owned by the Government of Nepal?

Yes. RJBC is 100% state-owned and operated under the supervision of the Ministry of Finance and the Nepal Insurance Authority.

Q: What happened to Rastriya Beema Sansthan (RBS)?

Under the Insurance Act 2079, Rastriya Beema Sansthan was formally restructured into a public limited company named Rastriya Jeevan Beema Company Ltd. All existing policies remain 100% active and guaranteed.

Q: What is the highest bonus rate of RJBC?

RJBC declares reversionary bonuses up to Rs 75 to Rs 80 per thousand sum assured on 25+ year endowment and whole life plans.

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