Shikhar Swasthya Surakshya

Comprehensive individual & family health insurance offering flexible sum insured from NPR 500,000 to NPR 2,000,000 with cashless access at network hospitals, OPD benefits and coverage for pre-existing conditions after waiting period.

• Flexible Sum Insured from NPR 500,000 to NPR 2,000,000
• Cashless treatment at major network hospitals (Norvic, Mediciti, Grande, KMC, etc.)
• Pre-existing and chronic conditions covered after 2-year waiting period
• Annual OPD sub-limit: 10% of SI (max NPR 100,000); physician consult copay NPR 1,000 per visit
• Diagnostics up to 50% of OPD limit; pharmacy up to 20% of OPD limit
• IPD coverage: minimum 24-hour hospitalization and Single Standard AC room
• Covers 150 named OT-based day-care procedures
• Pre-hospitalization 30 days and post-hospitalization 60 days covered
• Eligibility 5–65 years; medical check-up required for ages 45+ or SI ≥ NPR 500,000

• Sum Insured NPR 500k–2,000k
• Cashless at network hospitals
• Pre-existing covered after 2 years
• OPD sub-limit 10% (max NPR 100,000)
• Pre/Post hospitalization 30/60 days