Shikhar Health Shield
Health InsuranceRecommended
About this plan
Comprehensive health insurance from Nepal's largest market share company. Service through 115 branches.
What's included
Key highlights
- सबैभन्दा बढी हिस्सा
- ११५ शाखा
- छिटो दावी
Features
- अस्पताल भर्ना कभर
- OPD कभर
- दुर्घटना कभर
- एम्बुलेन्स शुल्क
- नो क्लेम बोनस
Eligibility & term
- Entry age
- 5 – 65 years
- Policy term
- 1 year (renewable)
Coverage breakdown
HospitalizationUp to Rs 7 lakh
OPDUp to Rs 10,000
Accident coverIncluded
AmbulanceUp to Rs 5,000
No-claim bonus5% per year
MaternityNot included
DentalNot included
Loan & liquidity
- Grace period
- 15 days for renewal
Waiting periods
- Pre-existing diseases
- 2 years
- Specific surgeries
- 1 year
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
What affects your premium
- Age of insured
- Coverage amount selected
- Family size
- Previous claim history
How to claim
- 1Contact nearest branch (115 across Nepal)
- 2Cashless at network hospitals
- 3Submit bills within 15 days for reimbursement
- 4Fast-track settlement for small claims
Network
- Network hospitals
- 30
- Coverage area
- All 7 provinces
Best for
Working professionalsFamiliesUrban residentsThose who value wide network
What's not covered
- Pre-existing diseases (first 2 years)
- Cosmetic surgery
- Self-inflicted injuries
- Alternative medicine
Other plans from शिखर इन्स्योरेन्स
Premium / yr
Rs 12,000