Premium
रु. 12,000 रु./वर्ष
NPR/yr
Coverage
रु. 7 लाख (NPR 7 Lakh)
NPR
Description
Comprehensive health insurance from Nepal's largest market share company. Service through 115 branches.
Features
- Hospitalization cover
- OPD cover
- Accident cover
- Ambulance charges
- No claim bonus
Highlights
- Largest market share
- 115 branches
- Fast claims
Riders
Personal Accident
Accidental death/disability cover
Critical Illness
Coverage for specified illnesses
Pros & Cons
Pros
- Nepal's #1 non-life insurer by market share (13.29%)
- 115 branches - widest non-life branch network
- Fast claim settlement process
- No-claim bonus rewards
- OPD + accident cover included
Cons
- −Mid-range premium (Rs 12,000/yr)
- −No maternity coverage
- −Room rent sub-limits may apply
- −2-year waiting for pre-existing conditions
Coverage Breakdown
Hospitalization
Up to Rs 7 lakhOPD
Up to Rs 10,000Accident cover
IncludedAmbulance
Up to Rs 5,000No-claim bonus
5% per year−Maternity
Not included−Dental
Not includedClaim Process
- 1Contact nearest branch (115 across Nepal)
- 2Cashless at network hospitals
- 3Submit bills within 15 days for reimbursement
- 4Fast-track settlement for small claims
Eligibility
Age5 - 65 years
Policy Term1 year (renewable)