Prabhu Insurance Limited is one of Nepal's leading non-life (general) insurance companies, offering a full range of property, motor, marine, engineering, liability and micro insurance products.
60
Branches
—
ATMs
16
Products
Asar 2083
Effective
All policies & details (16)
Agriculture (Crop & Livestock) Insurance
Agriculture
Government-subsidised cover for crops, livestock, poultry and fisheries against natural disasters, disease, pests and accidents, under the NIA crop & livestock directive.
Policy term
1 yrs
Annual premium
Rs 25,000/yr
Premium term
Annual (with government subsidy)
Annual premium: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Government-subsidised cover for crops, livestock, poultry and fisheries against natural disasters, disease, pests and accidents, under the NIA crop & livestock directive.
Plan details
Exclusions: Negligence in animal husbandry, pre-existing disease, war, intentional loss, losses outside insured season/area.
Aviation Insurance
Aviation
Hull and aviation liability cover for aircraft, including damage to the aircraft and legal liability to passengers and third parties.
Policy term
1 yrs
Annual premium
Rs 0.75 / 1,000
Premium term
Annual
Annual premium: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Hull and aviation liability cover for aircraft, including damage to the aircraft and legal liability to passengers and third parties.
Riders: Hull war and allied perilsCrew personal accidentLoss of licence
Plan details
Exclusions: Wear and tear, gradual deterioration, unlicensed operation, flying outside permitted limits, war (unless extended).
Contractors' All Risk (CAR) Insurance
Engineering
Project insurance for civil/construction works covering physical damage to the works plus third-party liability during the construction period.
Premium term
Single (project term)
Annual premium: Rate applied to total contract/project value per NIA engineering tariff, varying with project type, duration and risk; quoted per project. Policy term matches the construction period.
Project insurance for civil/construction works covering physical damage to the works plus third-party liability during the construction period.
Riders: Maintenance period extensionSurrounding property coverConstruction plant & equipment extension
Plan details
Exclusions: Defective design/materials/workmanship, war, nuclear, wear and tear, consequential loss, penalties for delay.
Contractors' Plant & Machinery Insurance
Engineering
Covers construction plant, machinery and equipment (excavators, cranes, etc.) against damage while at site, in use or at rest.
Policy term
1 yrs
Premium term
Annual / project
Annual premium: Rate on plant/equipment value per NIA engineering tariff; annual or project basis.
Covers construction plant, machinery and equipment (excavators, cranes, etc.) against damage while at site, in use or at rest.
Riders: Third-party liability extensionTransit between sites
Covers erection and installation of plant, machinery and equipment against physical damage and third-party liability during installation and testing.
Premium term
Single (project term)
Annual premium: Rate on total erection/contract value per NIA engineering tariff, by project nature and duration; quoted per project.
Covers erection and installation of plant, machinery and equipment against physical damage and third-party liability during installation and testing.
Riders: Maintenance cover extensionSurrounding propertyExpress freight / air freight extension
Plan details
Exclusions: Faulty design/material, war, nuclear, wear and tear, consequential loss.
Machinery Breakdown Insurance
Engineering
Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.
Policy term
1 yrs
Annual premium
Rs 0.75 / 1,000
Premium term
Annual
Annual premium: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.
Riders: Loss of profit following machinery breakdownSurrounding property
Plan details
Exclusions: Wear and tear, gradual deterioration, faults existing at policy start, fire/external perils (covered under fire), consequential loss.
Burglary & Housebreaking Insurance
Fire / Property
Covers loss of property and contents due to burglary, theft and housebreaking involving forcible entry.
Policy term
1 yrs
Premium term
Annual
Annual premium: Rate per Rs 1,000 of insured contents/stock value by risk and security; annual policy.
Covers loss of property and contents due to burglary, theft and housebreaking involving forcible entry.
Riders: Riot & strike extensionMoney in safe extension
Plan details
Exclusions: Theft without forcible entry, inside jobs by insured/family/employees, war, riot (unless extended).
House / Householder Insurance
Fire / Property
Package cover for residential dwellings and household contents against fire, natural perils and allied risks.
Sum insured
Rs 1 lakh – Rs 2 crore
Policy term
1 yrs
Annual premium
Rs 2,774/yr
Premium term
Annual
Annual premium: Rate per Rs 1,000 sum insured per Property Tariff 2076, by construction and occupancy; annual policy.
Package cover for residential dwellings and household contents against fire, natural perils and allied risks.
Riders: Burglary & housebreakingAll-risk for valuablesPersonal accident for occupants
Plan details
Exclusions: War, nuclear, wear and tear, willful damage, money/valuables unless specified.
Property / Fire Insurance (Standard Fire & Allied Perils)
Fire / Property
Covers buildings, factories, hydropower projects, plant & machinery, stocks, household articles and merchandise against fire and a wide range of allied natural and man-made perils. Rated on Nepal Property/Fire Tariff 2076.
Sum insured
Rs 1 lakh
Policy term
1 yrs
Annual premium
Rs 11,038/yr
Premium term
Annual
Annual premium: Rs 50,00,000 standard residential building, standard occupancy. Property/Fire Tariff 2076 base rate ~Rs 0.75 per 1,000 sum insured -> ~Rs 3,750/yr (rate band 0.5-1.0 per 1,000). Uniform tariff.
Covers buildings, factories, hydropower projects, plant & machinery, stocks, household articles and merchandise against fire and a wide range of allied natural and man-made perils. Rated on Nepal Property/Fire Tariff 2076.
Riders: Riot, strike, malicious damage (RSMD)Earthquake extension (where not built-in)Burglary & housebreaking add-onLoss of rent / consequential loss
Plan details
Exclusions: War and nuclear perils, wear and tear, gradual deterioration, consequential loss, spontaneous loss without fire, willful negligence.
Group Medical Insurance
Medical / Health
Group hospitalization and medical-expense cover for organizations and their employees, covering inpatient and outpatient treatment, diagnostics, surgery and emergency care.
Sum insured
Rs 1 lakh
Policy term
1 yrs
Premium term
Annual
Annual premium: 30-day worldwide (incl. Schengen-grade medical cover) adult trip. Rate-card based; representative ~Rs 1,800-2,500 per 30-day trip.
Group hospitalization and medical-expense cover for organizations and their employees, covering inpatient and outpatient treatment, diagnostics, surgery and emergency care.
Covers loss of or damage to goods in transit by sea, air, rail or road between origin and destination, under Institute Cargo Clauses.
Policy term
1 yrs
Annual premium
Rs 0.75 / 1,000
Premium term
Per shipment / annual open cover
Annual premium: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Covers loss of or damage to goods in transit by sea, air, rail or road between origin and destination, under Institute Cargo Clauses.
Riders: War risk extensionStrikes, riots and civil commotion (SRCC)Malicious act cover per institute clauses
Plan details
Exclusions: Inherent vice, insufficient packing, ordinary leakage/wear, delay, war and strikes unless extended.
Micro Insurance
Micro
Low-cost insurance products for low-income individuals and small businesses, with simplified terms and small sums insured, in line with NIA micro-insurance directives.
Policy term
1 yrs
Annual premium
Rs 0.75 / 1,000
Premium term
Annual
Annual premium: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Low-cost insurance products for low-income individuals and small businesses, with simplified terms and small sums insured, in line with NIA micro-insurance directives.
Comprehensive own-damage plus third-party cover, or compulsory standalone third-party liability, for private cars, motorcycles and commercial vehicles. Priced on NIA Motor Tariff 2073.
Sum insured
Rs 1 lakh – Rs 2 crore
Policy term
1 yrs
Annual premium
Rs 30,841/yr
Premium term
Annual (single year policy)
Annual premium: Private car comprehensive on Rs 15,00,000 vehicle, 1000-1600cc: NIA Motor Tariff 2073 own-damage rate 0.87% x Rs 15,00,000 = Rs 13,050 + Rs 4,000 fixed service charge = Rs 17,050. Excludes RSMDST, NCB 15-50%, ~10% direct discount, 10% loadi
Comprehensive own-damage plus third-party cover, or compulsory standalone third-party liability, for private cars, motorcycles and commercial vehicles. Priced on NIA Motor Tariff 2073.
Riders: Personal accident cover for driver/passengersVoluntary excess optionsExtended geographical/transit cover
Plan details
Exclusions: Wear and tear, depreciation, consequential loss, driving without valid licence, use outside geographical/permitted limits, war and nuclear risks, intoxicated driving.
Travel / Overseas Medical Insurance
Travel
Travel medical and inconvenience cover for Nepalese citizens travelling abroad, including Schengen-visa compliant cover, sold per trip via the digital portal.
Sum insured
Rs 66.5 lakh – Rs 1.33 crore
Policy term
1 yrs
Premium term
Single (per trip)
Annual premium: 30-day worldwide (incl. Schengen-grade medical cover) adult trip. Rate-card based; representative ~Rs 1,800-2,500 per 30-day trip.
Travel medical and inconvenience cover for Nepalese citizens travelling abroad, including Schengen-visa compliant cover, sold per trip via the digital portal.
Exclusions: Pre-existing illness, travel against medical advice, hazardous sports unless extended, self-inflicted injury, travel to excluded/sanctioned countries.
Trekking and Mountaineering Insurance
Travel
Specialist personal accident and emergency cover for trekkers and mountaineers, including high-altitude rescue/evacuation.
Sum insured
Rs 5 lakh – Rs 50 lakh
Policy term
1 yrs
Premium term
Single (per trip/expedition)
Annual premium: Per-trip premium based on altitude, duration and rescue/medical sum insured; quoted on application. Recommended evacuation cover typically USD 100,000+ for Himalayan treks.
Specialist personal accident and emergency cover for trekkers and mountaineers, including high-altitude rescue/evacuation.
Prabhu Insurance Limited was established in 2053 B.S. (1996) by leading industrial and business houses of Nepal and is a publicly listed non-life insurer (NEPSE symbol PRIN). Its major shareholders include the Prabhu Group and the Employees' Provident Fund, and it operates with a paid-up capital exceeding Rs. 1.70 billion. The company serves customers through a network of around 60 branches and sub-branches across Nepal. It is headquartered at Tinkune, Kathmandu, and is led by Chairman Rajendra Malla and CEO Sanchit Bajracharya.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
