Compare, Understand & Choose the Right Insurance for You

Learn about insurance, compare plans from 30+ Nepali insurers side by side, and find the perfect policy tailored to your needs — all in one place.

Insurers: 30+
Plans: 170+
Categories: 11

Compare all plans

One search, every kind of cover

New to insurance

Start with what you need to protect.

Pick what you're solving for. Two or three questions, then the three plans that fit best.

Financial security for my familyA guaranteed sum paid to your dependants in your absence, replacing the income they rely on.4 quick questions
A fund for my child's educationPayouts timed to the years when school and university fees fall due.2 quick questions
Long-term savings with life coverA maturity benefit at the end of the term, with life cover in place throughout.2 quick questions
Returns during the policy termA portion of the sum assured paid back at fixed intervals, not only at maturity.2 quick questions
Protection from medical costsHospital and treatment expenses met by the insurer rather than from your savings.2 quick questions
Cover for my vehicleThe third-party cover the law requires, or comprehensive protection for your own bike, car or EV.3 quick questions
Protection while I travelMedical emergencies, evacuation and visa-required cover for trips abroad, study, or treks in Nepal.3 quick questions
Cover for my home or shopFire, earthquake and flood protection for houses, shops and the stock inside them.Browse all 18 covers

Browse by category

Every plan we hold, counted.

241 plans across 11 categories

Endowment
Save for a set date. You get the sum assured plus every year’s bonus at the end — and your family receives it instead if you’re no longer there.
63 plansHow it works
Premiums build a guaranteed sum plus yearly bonus additions the insurer declares; the full amount pays out at maturity or on an earlier claim, whichever comes first.
Term Life
The lowest-cost cover, with no savings built in. Your family gets the sum assured if you’re no longer there during the term — if you complete it, nothing comes back.
40 plansHow it works
Because there’s no savings piece, more of the premium goes toward the cover itself — usually the largest sum assured for the smallest premium.
Money Back
Part of the sum assured comes back to you at set intervals while the policy runs. The rest, plus bonus, comes at maturity.
46 plansHow it works
Useful for expenses you can see coming, like school fees, since a portion of your own cover value returns along the way instead of staying locked in until the end.
Whole Life
Cover for your entire life instead of a fixed term, with bonus added every year you’re insured.
16 plansHow it works
Premiums are usually payable for a set number of years only; cover then continues, with payout at a high maturity age or whenever you’re no longer there.
Child Plans
Money set aside for your child, released at a set age — whatever happens to you along the way.
17 plansHow it works
If you’re no longer there before maturity, future premiums are usually waived and your child still receives the full amount at the milestone age.
Couple Plans
One policy covering both spouses, usually at a lower combined premium than two separate policies.
7 plansHow it works
The payout is triggered if either spouse is no longer there during the term; some plans also continue reduced cover for the surviving spouse afterward.
Health
Hospital and treatment bills covered up to your sum insured, for you or your whole family.
10 plansHow it works
Claims are usually settled by cashless treatment at network hospitals, or by reimbursement afterward, depending on the insurer.
Motor
Third-party cover the law requires for every registered vehicle, or comprehensive cover that also pays for damage to your own bike, car or EV.
15 plansHow it works
Third-party is the legal minimum and only covers the other party; comprehensive adds cover for your own vehicle against accidents, theft and natural damage.
Property
Your house, shop or stock covered against fire, earthquake, flood and theft.
18 plansHow it works
Cover is based on the rebuild or replacement value you declare, not the market price of the land it sits on.
Travel
Medical emergencies, evacuation and lost baggage covered on trips abroad or treks in Nepal.
6 plansHow it works
Most visa applications for Schengen and similar countries require proof of travel insurance before they’ll process the application.
Agriculture
Crops and livestock covered against disease, disaster and death, with a government subsidy on the premium.
3 plansHow it works
The subsidy is applied at the time of purchase, so the premium you pay is already reduced — there’s nothing to claim back separately.