Coverage
रु. 10 लाख (NPR 10 Lakh)
NPR
Description
Complete family health protection with maternity cover, newborn care, and no room rent limit. One policy for the whole family.
Features
- Family floater plan
- Maternity cover
- Newborn cover
- No room rent limit
- Annual health checkup
- No claim bonus
Highlights
- Family floater
- Maternity cover
- No sub-limits
Riders
Critical Illness
Coverage for critical illnesses
Personal Accident
Accidental death/disability benefit
Pros & Cons
Pros
- Family floater - one policy covers entire family
- Maternity AND newborn cover included (rare in Nepal)
- NO room rent sub-limit
- Annual health checkup included
- No-claim bonus rewards healthy years
- Backed by Indian parent with 68+ years experience
Cons
- −Highest premium among health plans (Rs 18,000/yr)
- −3-year waiting for pre-existing conditions
- −Limited branch network in remote areas
- −Complex claim documentation for maternity
Coverage Breakdown
Hospitalization
Up to Rs 10 lakhOPD
Up to Rs 15,000Maternity
Up to Rs 50,000Newborn cover
Up to Rs 25,000No room rent limit
UnlimitedHealth checkup
AnnualNo-claim bonus
10% per year−Dental
Accident onlyClaim Process
- 1Cashless: Pre-authorization at network hospital
- 2Reimbursement: Submit within 30 days of discharge
- 3For maternity: Pre-approval required
- 4Settlement within 21 days
Eligibility
AgeMax 70 years
Policy Term1 year (renewable)