l;4fy{ OG:of]/]G; lnld6]8

s]Gb|Lo sfof{noM ;fs]6 ejg, rf}yf] tNnf, lqk'/]Zj/, kf]i6 aS; g+= @$*&^, sf7df8f}+, g]kfn
˚f]g g+= $@%&&^^, $@%$%$&, $@%^!(), ofS;M (&&–!–$@%&&&^
E-mail: sil@info.com.np, Web: www.siddharthainsurance.com

dfu{:y gub aLdf k|:tfj

!= k|:tfjssf] gfdM @= k]zfM–
7]ufgfM :yfoL n]vf g+=
#= cg'dflgt jflif{s dfu{:y /sd
$= -s_ gub lnP/ hfg] s'g} Ps JolQmsf] nflu cfjZos clwstd aLdf /sd < -s_
-v_ s] tkfO{n] vf; If]qx¿sf] nflu k[ys k[ys jfxg ;Ldfx¿ (Carrying Limity) -v_
/fVg rfxg'x'G5 < olb rfxg' x'G5 eg] gfd tyf /sd pNn]v ug'{xf];\. -o:tf] s'g}
Ps bfjLsf] /sd sDkgLsf] bfloTjsf] ;Ldf x'g]5 ._
%= s] pk/f]Qm cg'dfgdf r]sx¿ ;dfj]z ul/Psf 5g\ <
^= aLdf ug{ rfx]sf] cjlw <
&= cS;/ sltk6s gub ;fydf lnP/ ofqf ul/G5 < / s'g} vf; k"j{ xf]lzof/L ckgfOG5<
*= aLdf ul/g] ofqf jf dfu:ysf] ljj/0f lb+b} To:tf] ofqf k}bn jf lghL jf ;fj{hlgs
;jf/L s]af6 ul/g] xf] pNn]v ug'{xf];\ .
(= gub n}hfg] clwstd b"/L slt xf] <
!)= gub af]Sg] sfddf slt sfdbf/x¿ ;+nUg 5g\ <
!!= gub af]Sg] sfddf ;+nUg sfdbf/x¿sf] xsdf lgi7f hdfgL (Fidelity Guarantee)
aLdfn]v nfu" x'G5 < olb x'G5 eg] sDkgLsf] gfd tyf /sd pNn]v ug'{xf];\ . olb xf]Og
eg] s] tkfO{+ k|:t't aLdfsf] lj:tf/af6 tL sfdbf/x¿nfO{ ;f] cGtu{t ;dfj]z u/fpg
rfxg'x'G5 .
!@= s] tkfO{+n] xfn;Dd o:tf] k|s[ltsf] s'g} Iflt÷xflg–gf]S;fgL Joxf]g'{ ePsf] 5 <
!#= k|:t't k|:tfj nfu" x'g] s'g} hf]lvd-x¿_sf ;DaGwdf s'g} aLdsn]M
-s_ tkfO{+nfO{ aLdf ug{ clgR5f b]vfPsf] lyof] < -s_
-v_ tkfO{+nfO{ aLdf ug{ ljz]if zt{ /fVg' kg]{ atfPsf] lyof] < -v_
-u_ tkfO{+sf] aLdf /2 u/]sf] jf ;f] gjLs/0f ug{ c:jLsf/ u/]sf] lyof] < -u_
-3_ aLdf gjLs/0f ubf{ tkfO{+sf] lk|ldod a9fPsf] lyof] < -3_
!$= s] tkfO{+ tfnfaGbL ;]˚leq /fte/ gub /fVg'kg]{ cfjZostf b]Vg'x'G5 < To:tf] xf] eg]
b]xfosf s'/fsf] ljj/0f lbg'xf];\ .
-s_ To:tf] ;]˚leq /flvg' kg]{ gub -s_
-v_ ;]˚ lgdf{tfsf] gfd -v_
-u_ ;]˚sf] gDa/ -u_
-3_ cfuf] jf rf]/ k|lt/f]ws -3_
-ª_ ;]˚sf] d"NoM -ª_
-r_ tfNrfsf] ;+:yf / tfNrf s;sf] lhDdfdf /xg] xf] < -r_
-5_ ;]˚sf] l:yltM -5_
!%= -s_ kl/;/sf] ljj/0f, h:t}M k;n, sfof{no, uf]bfd 3/, sf/vfgf cflb . -s_
-v_ s] ;a} kl/;/x¿ tkfO{+n] k|of]u ul//xg' ePsf] 5 < olb xf]Og eg], cGo
axfnjfnfx¿sf] ljj/0f lbg'xf];\ . -v_
-u_ s] kl/;/x¿ /ftsf] ;dodf k|of]u ul/G5g\ < -u_
d÷xfdL dGh"/ ub{5'÷5f}+ ls k|:t't k|:tfj tyf 3f]if0ff d÷xfdL tyf l;4fy{ OG:of]/]G; lnld6]8 aLrsf] s/f/sf] cfwf/ x'g]5 . ;fy} d÷xfdL
sDkgLaf6 tf]lsPsf zt{÷cj:yfsf] clwgdf /xL aLdfn]v :jLsf/ ug{ dGh"/ ub{5'÷5f}+ .

ldltM

clestf{M k|:tfjssf] x:tfIf/