Non-life insurance — compare policies

Comprehensive and third-party cover for motorcycles and scooters per NIA Motor Tariff Directive 2073.

Plan details

• Own damage / accidental external damage
• Fire and theft of the two-wheeler
• Third-party bodily injury and property damage liability
• Personal accident cover for rider
• Optional riot/strike/terrorism (RSMDST) cover
• No-claim discount up to 35%

Package cover for residential dwellings and household contents against fire, natural perils and allied risks.

Plan details

• Fire, lightning and explosion to dwelling
• Earthquake, flood, landslide, storm
• Household contents and articles
• Optional burglary and housebreaking
• Allied perils per standard fire policy

Comprehensive and third-party motor cover for motorcycles, private vehicles and commercial vehicles; priced per the NIA Motor Insurance Tariff Directive 2073 based on vehicle value, engine CC and age.

Plan details

• Own damage to insured vehicle from accident, fire or natural disaster
• Third-party liability: up to NPR 25 lakh (motorcycle) / NPR 80 lakh (car) each for property and bodily injury
• Theft, vandalism, riot, strike and terrorism cover
• Compulsory personal accident cover: death NPR 5 lakh, plus medical up to NPR 3 lakh
• Towing and emergency roadside assistance

Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles; covers own damage, third-party liability, theft/total loss and personal accident for occupants.

Plan details

• Own Damage cover - accidental damage to insured vehicle
• Third-Party Liability (mandatory) - bodily injury and property damage to others
• Theft and Total Loss protection
• Personal Accident cover for driver, passengers, helpers and conductor
• Damage from fire, lightning, storm, flood and natural calamities
• No Claim Bonus (NCB) for claim-free years

Government-subsidised cover for crops, fruits, vegetables, fish, cattle, birds and bees against natural disasters and disease. Operating since Magh 2069 (Jan 2013).

Plan details

• Crop, fruit and vegetable insurance
• Cattle/livestock insurance
• Poultry/birds insurance
• Fish and bee insurance
• Covers flood, drought, fire, hailstorm, disease, pests and wild-animal damage
• Heavy government premium subsidy

Government-supported agriculture portfolio covering cattle, buffalo, goat, poultry and crops (rice, vegetables, fruit) against death, disease, accident and natural calamity; proposal forms available for goat, cattle, poultry, rice, vegetable and fruit.

Plan details

• Death of livestock due to disease or accident
• Natural calamity (flood, landslide, lightning)
• Crop loss for rice, vegetables and fruit
• Poultry and goat/cattle/buffalo cover
• 75% government premium subsidy
• Sum insured fixed per Insurance Authority guidelines

Government-supported agriculture insurance covering livestock (cattle, poultry, fishery) and crops/vegetables against fire, natural disasters, pests and disease.

Plan details

• Livestock: cattle, poultry, fishery cover
• Crops and vegetable cover
• Perils: fire, earthquake, flood, soil erosion, hailstone, lightning
• Insects/pests and disease cover
• ~75% government premium subsidy

Covers crop and livestock losses from natural causes for farmers, with heavy government premium subsidy. Designed to mitigate financial risk to the agriculture sector.

Plan details

• Livestock (cattle, goat, buffalo, poultry, fish) death from disease/accident
• Crop loss from fire, lightning, hail, flood, landslide and storm
• Cover for poultry (broiler, layer, parent), duck and fish ponds
• Cover for cash/horticulture crops (potato, ginger, cardamom, apple, banana, tea, coffee etc.)
• 75% government premium subsidy
• Up to ~90% of claim amount paid on valid loss

Annual premium: Tariff-derived estimate: Rs 1,00,000 sum insured, 30-year adult individual. Nepal individual health band ~Rs 3,000-5,000.

Hospitalisation mediclaim plan with cross-border network access in Nepal and India.

Comprehensive private/commercial vehicle cover combining own-damage and third-party liability, priced on the NIA Motor Insurance Tariff Directive 2073. Available for two-wheelers, private cars and commercial vehicles via SPIL DIGI.

Plan details

• Own-damage to insured vehicle from accidental external impact
• Fire, explosion, lightning and self-ignition
• Burglary, housebreaking and theft of the vehicle
• Third-party liability for bodily injury and property damage
• Riot, strike, malicious damage and natural calamity (RSMD/STFI as per tariff)
• Personal accident cover for owner-driver / occupants

Annual premium: ESTIMATE - Rs 1,00,000 sum insured, adult ~age 30, individual. Oriental Nepal publishes no rate chart; low-band tariff mediclaim ~Rs 1,000-1,500 at 1-lakh cover. Treat as approximate.

Reimbursement of hospitalisation and domiciliary medical expenses; includes Group Mediclaim, the HOPE (Health of Privileged Elders) senior-citizen plan and Personal Accident cover.

Plan details

• In-patient hospitalisation expenses (room, ICU, surgery, doctor fees)
• Pre-hospitalisation (30 days) and post-hospitalisation (60 days) expenses
• Specified-disease and domiciliary hospitalisation cover (HOPE)
• Ambulance charges, prescription drugs and prosthetic devices (HOPE)
• Group/family floater and Personal Accident options
• No-claim discount for claim-free years

Suite of engineering covers: Contractors All Risk (CAR), Erection All Risk (EAR), Contractors Plant & Machinery, Machinery Breakdown, Boiler Explosion and Electronic Equipment insurance for projects and plant.

Plan details

• Contractors All Risk (CAR) for civil works - buildings, dams, flyovers
• Erection All Risk (EAR) for plant/machinery installation and testing
• Contractors Plant & Machinery (CPM)
• Machinery Breakdown and Boiler Explosion cover
• Electronic Equipment Insurance (computers, UPS, etc.)
• Loss of profit / advance loss of profit extension

Government-subsidized crop and livestock micro-cover for farmers and agri-finance institutions.

Plan details

• Crop insurance (paddy, potato, vegetables - Tarkari Bari, mushroom)
• Cattle and livestock cover
• Poultry/birds and ostrich
• Fishery (fish farming) cover
• Fruit orchards and honey bee; 80% govt premium subsidy

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual mediclaim. Derived/benchmarked from Nepal NHIP (Rs 3,500 per Rs 1,00,000 community rate) scaled to private individual cover.

Group hospitalisation (mediclaim) policy reimbursing in-patient and day-care treatment costs (allopathy, Ayurveda, homeopathy) for illness or injury during the policy period. Offered to groups/employers.

Plan details

• In-patient hospitalisation expenses (room, nursing, ICU, surgeon, medicines)
• Day-care treatment requiring less than 24-hour hospitalisation
• Allopathy, Ayurveda and homeopathy treatment covered
• Group cover for employees/members
• Cashless or reimbursement claim settlement

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.

Plan details

• Fire, lightning, explosion/implosion and self-combustion
• Earthquake, storm, typhoon, hurricane, flood, inundation
• Landslide, subsidence, rockslide
• Water damage, snow, frost, rainfall, hailstorm
• Impact damage and aerial/missile-testing damage
• Add-on cover for architect/surveyor fees and debris removal

Crop, livestock/cattle, poultry and fishery insurance under Nepal's subsidised agriculture insurance scheme.

Plan details

• Livestock/cattle insurance (death from disease/accident)
• Crop insurance against natural calamity
• Poultry insurance
• Fishery insurance
• Government premium subsidy (~80% of premium)
• Covers floods, drought, pests and disease

Crop and livestock insurance (livestock, poultry, fish, paddy, vegetables, fruits) against fire, natural disasters, pests, disease and accidents; first policy issued 2013.

Plan details

• Livestock and cattle cover against death/disease/accident
• Poultry and fishery cover
• Crop cover: paddy, vegetables, fruits
• Fire, earthquake, flood, landslide, storm perils
• Pests and disease losses
• 80% premium subsidy from Government of Nepal

Annual premium: Premium based on sum insured and age; quoted via calculator.

Critical-illness / fixed-benefit health protection plan paying a lump sum on diagnosis of covered conditions.

Government-subsidised crop, livestock and herb insurance protecting farmers against death/loss of cattle and crop damage from natural perils, pests and disease, per the NIA agriculture tariff.

Plan details

• Livestock (cattle, buffalo, goat, poultry) death from disease or accident
• Crop loss from natural calamity, pests and disease
• Herb / cash-crop cover
• Heavy government premium subsidy (~75-80%)
• Covers individual farmers, farmer groups and cooperatives

Comprehensive and third-party motor cover for private cars, commercial vehicles, motorcycles and miscellaneous/special vehicles, priced per the NIA Motor Insurance Tariff Guideline 2073 (2016).

Plan details

• Own damage from accident, collision and overturning (comprehensive)
• Theft / burglary of the vehicle
• Fire, explosion, self-ignition and lightning
• Natural calamities - flood, landslide, earthquake, storm
• Riot, strike and malicious damage
• Compulsory third-party liability for death/injury and property damage

Health/medical cover (offered under SALICO's miscellaneous & travel-medical lines) reimbursing hospitalisation and treatment costs up to the chosen sum insured.

Plan details

• In-patient hospitalisation expenses
• Pre- and post-hospitalisation cover
• Day-care procedures
• Accidental medical expenses
• Cashless/reimbursement at network hospitals

Package property insurance for private residences combining building and contents cover plus householder liability, at lower premium rates than standard fire policies (residential use only).

Plan details

• Dwelling/building cover against fire and allied perils
• Household contents protection
• Personal liability for accidents at the residence
• Earthquake and natural calamity extensions available
• Designed for residential-only occupancy with lower tariff rate

Standard fire and allied-perils property policy (code PROP, first issued 1996) covering buildings, stocks, factories, machinery, hotels, schools and warehouses up to an agreed sum insured.

Plan details

• Fire and lightning
• Explosion / implosion
• Storm, tempest, flood, inundation, hurricane, cyclone
• Riot, strike and malicious damage
• Subsidence, landslide and rockslide
• Aircraft damage and earthquake (extension)

Comprehensive and third-party motor cover for motorcycles, private cars and commercial vehicles, priced per the NIA Motor Insurance Tariff Directive 2073.

Plan details

• Own damage from accident, fire, external explosion, self-ignition, lightning
• Burglary, housebreaking and theft of vehicle
• Malicious acts and damage in transit (road, rail, waterway, lift/elevator)
• Compulsory third-party liability cover (death/injury and property damage)
• Personal accident cover for driver and passengers

Annual premium: SGIC live travel calculator: 30-day trip, Plan A Standard (Worldwide excluding USA & Canada), Medical-Only cover, adult age 30 = USD 41 = NPR 5,453 premium (NPR 6,184 total incl VAT + Rs 20 stamp at NPR 133/USD). This is a per-trip 30-day p

Group medical insurance covering hospitalization, surgical, domiciliary, dental and optical expenses (group only, individual excluded).

Plan details

• In-patient hospitalization expenses
• Surgical expenses
• Domiciliary treatment
• Dental check-ups
• Eye check-ups and optical expenses

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual, annual. Approximate market/tariff figure for entry-level health cover among Nepali non-life insurers.

Combined health plan uniting accidental, general medical (hospitalisation/surgery) and critical illness cover with cashless treatment at network hospitals.

Plan details

• Cashless hospitalisation at network hospitals (Nepal Medicity, Norvic, Grande, HAMS etc.)
• Medical expenses from routine diagnostics/X-rays to major surgery
• Accidental cover - hospital fees, disability payout, death benefit
• Critical Illness benefit - upfront lump sum on diagnosis (cancer, heart attack, stroke, kidney failure)
• Higher sub-limits for drugs and paramedical services than standard plans
• Available for individuals, families and corporate/group medical

Covers buildings (residential, office, factory, warehouse), plant, machinery, equipment, stock and household contents against fire, lightning, earthquake and allied perils. Standard Fire & Special Perils policy with optional extensions.

Plan details

• Fire and lightning damage to building/contents
• Earthquake (fire and shock) cover
• Flood, storm, typhoon, cyclone and inundation
• Explosion / implosion and aircraft/vehicle impact damage
• Riot, strike, malicious damage and tsunami extensions
• Smoke and bursting/overflowing of water tanks/pipes

Annual premium: Premium based on occupation/risk class and sum insured (linked to insured's income); tariff not published. Group policies eligible for discounts by group size.

Income-protection accident policy paying benefits for accidental death, permanent total/partial disability and temporary total disability (weekly compensation). Available as individual or group policies; group cover may earn size-based discounts.

Plan details

• Lump-sum sum insured on accidental death
• Permanent total disability benefit
• Permanent partial disability (percentage of sum insured by severity)
• Temporary total disability weekly compensation
• Individual and group options (group discounts by size)

Government-subsidised cover for crops, livestock, poultry and fisheries against natural disasters, disease, pests and accidents, under the NIA crop & livestock directive.

Plan details

• Crops: paddy, vegetables, fruits and other crops
• Livestock and cattle cover
• Poultry cover
• Fisheries cover
• Perils: fire, earthquake, flood, landslide, storm, drought
• Damage from insects, disease and accident

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual; market-typical Nepal non-life individual health premium (representative)

Motor cover for commercial/transport vehicles (taxis, trucks, buses, tractors) per NIA tariff.

Plan details

• Own damage and accidental collision
• Fire and theft
• Third-party death/injury and property damage liability
• Personal accident for driver/conductor
• Goods-carrying & passenger-carrying vehicle classes
• Optional RSMDST cover

Comprehensive private/commercial motor cover combining own-damage and compulsory third-party liability, priced under the NIA Motor Insurance Tariff Directive 2073.

Plan details

• Own damage from fire, lightning, explosion, self-ignition
• Natural disasters: earthquake, flood, landslide, storm, hailstorm
• Accidental external damage and damage in transit
• Theft and burglary of the vehicle
• Compulsory third-party liability (death, injury, property damage)
• Geographical cover: Nepal, India, Bangladesh, Bhutan, Tibet

Annual premium: Statutory third-party tariff component for a private car 1000-1600cc: fixed service charge ~Rs 4,000 (below 1000cc ~Rs 3,000; above 1600cc ~Rs 6,000) per NIA Motor Tariff 2073; +10% if vehicle >10 years.

Mandatory third-party liability cover for all vehicles in Nepal; flat statutory premium per NIA, covering death/injury and property damage to third parties.

Plan details

• Third-party death/bodily injury compensation up to Rs 5,00,000 per person
• Third-party medical expenses up to Rs 3,00,000 per person
• Driver and pillion/passenger statutory cover
• Third-party property damage liability
• Mandatory for all registered vehicles in Nepal

Covers buildings, plant, machinery, stock and household contents against fire, lightning, earthquake and a menu of allied/special perils, priced under the Nepal Property Insurance Tariff 2076 by construction class, commodity and occupancy.

Plan details

• Fire, lightning and explosion
• Earthquake fire and earthquake shock (allied peril)
• Flood, typhoon, cyclone and windstorm (allied peril)
• Riot, strike, malicious damage and impact damage
• Aircraft and vehicle impact, smoke damage
• Covers buildings, plant & machinery, stock and household goods

Comprehensive (own-damage + third-party) cover for private cars, commercial vehicles and motorcycles against accident, theft, fire, malicious damage and natural calamity. Rated per NIA Motor Tariff Directive 2073.

Plan details

• Own damage to insured vehicle from accident/collision
• Theft and burglary of the vehicle
• Fire, explosion and self-ignition
• Natural calamities (flood, landslide, earthquake, storm)
• Third-party liability for property damage, injury or death
• Malicious acts / riot damage

Hospitalisation and medical/surgical expense cover (individual and group). Offered under the Miscellaneous portfolio covering hospitalization, medicines, consumables and diagnostics.

Plan details

• In-patient hospitalization expenses
• Surgical and medical expenses
• Medicine and consumables cover
• Diagnostic test expenses
• Group medical option for employees
• Cashless / reimbursement at network hospitals

Annual premium: Premium scaled to sum insured, trek/expedition duration and altitude; modest per-person/per-trip premium with helicopter rescue/evacuation cover; trekking declaration form required.

Specialized personal-accident and emergency cover for trekkers and mountaineering expeditions (expedition code EPA, plus trekking personal accident), covering accidental injury and rescue/evacuation in high-altitude terrain.

Plan details

• Accidental death and permanent disablement
• Emergency medical expenses during trek/expedition
• Helicopter rescue and evacuation
• High-altitude / mountaineering cover
• Covers guides, porters and expedition members
• Repatriation of remains

Annual premium: Per-trip premium based on age, destination area and trip duration; broadly from ~USD 1-1.50 per day. Schengen-compliant cover offers minimum EUR 30,000-35,000 medical limit; common coverage limits USD 50,000-100,000.

Travel medical cover for Nepalese travelling abroad and foreign nationals; Plan A (medical + PA) and Plan B (package, benefits A-N) across four geographic areas including Schengen/worldwide.

Plan details

• Emergency medical expenses and hospitalisation abroad
• Personal accident cover
• Baggage and passport loss (Plan B)
• Travel delay, hijack, trip cancellation/curtailment (Plan B)
• Medical repatriation and emergency evacuation
• Area 1 worldwide incl. USA/Canada; Area 4 SAARC (Plan A only)

Standard fire and allied perils property cover for homes, shops, factories, warehouses and commercial buildings under the Nepal Property Insurance Tariff 2076; marketed as 'Sampati Bima'.

Plan details

• Fire and lightning damage to building, plant, stock and contents
• Explosion / implosion
• Storm, tempest, flood and water damage
• Earthquake and subsidence (as covered/add-on)
• Riot, strike, malicious damage and terrorism (add-on)

Covers death and disability from accidents including minor/major injury, temporary disability affecting earning capacity, and accidental death benefit; includes trekking/expedition PA cover.

Plan details

• Accidental death benefit
• Permanent total/partial disability
• Temporary total disability (loss of earning)
• Medical expenses from accident
• Trekking / expedition personal accident option

Property/fire insurance covering buildings, plant, machinery, stock and contents against fire, lightning and allied perils; earthquake/flood/explosion available by endorsement.

Plan details

• Fire and lightning damage to building, plant, machinery and stock
• Add-on perils: earthquake, flood, storm, explosion via endorsement
• Covers residential, office, factory buildings and equipment
• Industrial All Risk (IAR) option for large/industrial risks
• Household/contents cover option
• Business interruption / loss of profit add-on

Annual premium: Rs 1,00,000 sum insured, individual adult about age 30; about Rs 3,500/yr market reference. APPROXIMATE; RBCL has no published rate table.

Provides reimbursement of medical, hospitalisation and surgical expenses arising from illness or accident.

Plan details

• In-patient hospitalisation expenses
• Surgical and treatment costs
• Medical expenses from illness or accident
• Room/bed and doctor's fees
• Cashless / reimbursement claim settlement

Vehicle insurance offered in three forms: Liability Only (third-party), Own Damage Only, and Comprehensive (combines both). Comprehensive covers accidental damage, fire, theft, riot/strike, malicious/terrorist acts, earthquake, flood and transit. Mandatory third-party liability under the Motor Vehicles Act. Premiums follow the NIA Motor Insurance Tariff Guideline 2073.

Plan details

• Own damage: accidental external impact, overturning, collision
• Fire, explosion, self-ignition and lightning
• Burglary, housebreaking and theft
• Riot, strike, malicious act and terrorist act
• Earthquake (fire and shock), flood, storm, cyclone, landslide/rockslide
• Third-party legal liability for bodily injury and property damage
• Personal accident cover for owner-driver/occupants

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.

Plan details

• Own damage from fire, lightning, explosion, self-ignition
• Earthquake, flood, landslide, storm, hailstorm, snow, frost (natural calamity)
• Accidental external damage and mechanical breakdown
• Theft and burglary
• Transit damage by road, rail, lift, elevator
• RSMDST: riot, strike, malicious damage, sabotage, terrorism
• Third-party liability for personal injury, death and property damage

Individual/family hospitalisation insurance covering in-patient medical expenses.

Plan details

• In-patient hospitalisation (room rent, nursing, doctor fees)
• Pre-hospitalisation expenses (~30 days)
• Post-hospitalisation expenses (~60-90 days)
• Surgical and ICU expenses
• Cashless/reimbursement at network hospitals
• Day-care procedures

Annual premium: Add-on premium loaded onto base comprehensive motor premium; requires an active comprehensive policy. Rate set via quote. Not available for commercial vehicles or cars over 10 years old.

Add-on to an existing motor comprehensive policy that waives depreciation, provides rental/transport allowance and new-vehicle replacement.

Standard fire and allied perils cover for buildings, plant, machinery and stock, rated under the Nepal Property Insurance Tariff 2076 by class of construction, commodity and occupancy.

Plan details

• Fire, lightning and accidental fire damage
• Explosion / implosion
• Earthquake (fire and shock) as add-on
• Flood, storm, tempest and inundation (STFI)
• Riot, strike, malicious damage
• Impact damage, aircraft/vehicle impact, theft/burglary extension

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual retail mediclaim. Nepal private retail health premiums run roughly 1.5-4% of sum insured; ~Rs 4,000 is representative. Not an Oriental-specific published rate.

Overseas medical and travel cover for Nepalis travelling abroad for employment or study, with in-patient/out-patient medical assistance and contingency cover for sponsored students.

Plan details

• Overseas in-patient and out-patient medical expenses
• Emergency medical evacuation and repatriation
• Sum insured options USD 50,000 to USD 500,000
• Contingency cover for sponsored students (study interruption due to death/disability/loss of eyesight)
• Covers both employment-abroad and study-abroad travellers
• Policy duration flexible from 2 months to 1 year

Annual premium: Fixed NIA third-party tariff for private car 1,001-1,600cc = Rs 8,487 (up to 1,000cc = Rs 7,356; 1,601cc+ = Rs 10,747).

Mandatory third-party-only motor liability cover per NIA tariff; protects against legal liability for third-party property damage, bodily injury and death.

Standard fire and allied perils cover for office/residential/factory buildings, plant, machinery and equipment. Premium rate set by NIA tariff on construction class, commodity and occupancy type.

Plan details

• Accidental fire and lightning damage
• Earthquake (fire and shock) cover
• Flood, typhoon, cyclone and windstorm
• Explosion, aircraft/vehicle impact and smoke damage
• Riot, strike, malicious damage and tsunami
• Covers buildings, plant & machinery, stock and equipment

Annual premium: Premium rises with age and sum insured; entry-level cover from roughly Rs 3,000-5,000 per year for ~Rs 1 lakh sum insured, scaling up for higher cover and older ages.

Health insurance policy (code HI, first issued 1996) reimbursing hospitalization and medical-treatment expenses up to the chosen sum insured; available on individual and group bases.

Plan details

• In-patient hospitalization expenses
• Room, ICU, surgeon and nursing charges
• Pre- and post-hospitalization expenses
• Day-care procedures
• Individual and group/corporate cover
• Cashless or reimbursement settlement

Reimbursement of medical expenses from accidental injury and illness, treatment at home or hospital in Nepal, extendable to SAARC if treatment unavailable in Nepal; cashless at network hospitals.

Plan details

• Hospitalisation expenses for illness and accidental injury
• Cashless treatment at NLG network hospitals in Nepal
• Coverage extendable to SAARC countries when treatment unavailable in Nepal
• Reimbursement basis for non-network treatment
• Covers room, doctor, surgery and diagnostic costs

Marine cargo and transit cover for goods moving by sea, air, rail or road including inland and overseas transit.

Plan details

• Marine cargo - inland transit (rail/road)
• Overseas import/export transit by sea
• Air transit cover
• Loss/damage by accident, fire or water
• Theft, pilferage and non-delivery; improper stowage by carrier

Comprehensive and third-party motor cover for two-wheelers and private cars; covers own damage, theft, fire, natural calamity and third-party liability. Premiums follow NIA Motor Tariff Directive 2073.

Plan details

• Own damage from accident, fire, lightning, self-ignition or explosion
• Natural disasters: earthquake, flood, landslide, hurricane, snow
• Theft and robbery / masked robbery
• Third-party liability (max Rs 25 lakh bike / Rs 80 lakh car)
• Personal injury / medical for driver, conductor and passengers
• No-claim discount of 15% / 25% / 50% for claim-free years

Annual premium: Per-shipment cargo cover on Rs 10,00,000 sum insured; Institute Cargo Clauses; indicative rate ~Rs 1.5 per 1,000. Actual rate varies by route/commodity/ICC clause.

Marine cargo and hull/machinery cover for goods in transit and vessels, under Institute Cargo Clauses (A)/(B)/(C).

Plan details

• Marine cargo cover for import/export and inland transit goods
• Coverage under Institute Cargo Clauses ICC (A), (B) and (C)
• Hull and Machinery cover for vessels
• Covers loss/damage in transit by sea, air and land
• Single-transit and open/annual cover options

Annual premium: Tariff-based (NIA Motor Tariff Directive 2073). THIRD-PARTY (post-2024 revised): motorcycle up to 150cc Rs 1,707, 151-250cc Rs 1,933, 251cc+ Rs 2,159; private car up to 1000cc Rs 7,356, 1001-1600cc Rs 8,487, 1601cc+ Rs 10,747 (minimum motorcycle TP fee ~R

Compensation for loss or damage to the insured vehicle due to accident, plus mandatory third-party liability for death/injury and property damage. Issued in three classes: motorcycle, private (four-wheeler), and commercial vehicle. Available as Third-Party-only (compulsory by law) or Comprehensive (own damage + third party).

Plan details

• Own damage to insured vehicle by accident, external impact, overturning
• Fire, explosion, self-ignition and lightning damage to the vehicle
• Theft / burglary of the vehicle
• Riot, strike, malicious damage and terrorism (RSMDST add-on)
• Natural calamity - flood, landslide, earthquake, storm
• Compulsory third-party liability: death/injury and third-party property damage

Standard fire and allied perils policy covering residential and commercial buildings (godowns, factories, shops, hotels, schools) and contents (furniture, fixtures, machinery, stock). A Loss of Profit (Business Interruption) cover is available for gross revenue/profit loss and increased cost of working during disruption.

Plan details

• Fire, lightning and explosion/implosion
• Earthquake (fire and shock)
• Aircraft and aerial-device damage
• Riot, strike and malicious damage
• Storm, tempest, flood, inundation, hurricane, cyclone
• Subsidence and landslide including rockslide

Annual premium: Low fixed rate per 1,000 sum insured graded by occupational risk class (typically a fraction of a per-mille up to a few per-mille); e.g. clerical risk cheapest, manual/hazardous occupations higher.

Lump-sum benefit for accidental death and permanent/partial disability.

Plan details

• Accidental death benefit (100% of sum insured)
• Permanent total disability
• Permanent partial disability (scaled)
• Medical expenses reimbursement from accident
• Weekly compensation for temporary disability (optional)
• Worldwide 24-hour cover

Fire and special-perils cover for residential, commercial and industrial property, priced on the NIA Nepal Property Insurance Tariff 2076 by occupancy, construction class and commodity.

Plan details

• Fire and direct lightning strike
• Explosion and implosion
• Storm, typhoon, cyclone (air perils)
• Rainfall, flood, inundation, overflow/bursting/leakage of water
• Earthquake cover
• Debris removal up to 10% of loss or Rs 1,000,000; personal accident for residential buildings

Annual premium: Rs 1,00,000 sum insured, ~30-year adult individual, indemnity hospitalisation cover. Representative non-life health rate (~Rs 3,000-4,000 band); SPIL does not publish a public rate card.

Comprehensive hospitalization and mediclaim cover including in-patient treatment, critical illness and pre/post hospitalization; available as individual and family floater.

Plan details

• In-patient hospitalization (room rent, nursing, doctor and surgeon fees, ICU)
• Pre-hospitalization (typ. 30 days) and post-hospitalization (typ. 60-90 days) expenses
• Day-care and ambulance charges
• Critical illness coverage
• Family floater option covering whole family under one sum insured
• Cashless / reimbursement at network hospitals

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.

Plan details

• Inpatient hospitalization expenses
• Outpatient consultations
• Diagnostic and laboratory tests
• Surgeries and medical procedures
• Medicines and treatments
• Emergency care and related medical services

Covers goods and cargo in transit by sea, air and land, plus marine hull and marine-cum-erection risks; sum insured based on invoice/CIF value of consignment.

Plan details

• Cargo / goods-in-transit by sea, air and road
• Coverage under Institute Cargo Clauses A, B or C
• Marine hull cover for vessels
• Marine-cum-erection for imported plant during transit and erection
• Total loss, general average and salvage charges
• Transit from supplier warehouse to destination warehouse

Standard fire and special-perils property cover for dwellings, shops, offices, factories and stock against fire, lightning, explosion, natural disasters and allied perils. Rated per NIA property tariff by construction class, occupancy and commodity.

Plan details

• Fire, lightning and explosion damage
• Earthquake, flood, landslide and storm damage
• Riot, strike and malicious damage
• Damage to building, contents and stock
• Loss of profit / business interruption add-on available

Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles. Premium is tariff-based on declared value, engine capacity (CC) and vehicle age per the NIA Motor Insurance Tariff Directive 2073.

Plan details

• Own-damage cover for accidental loss/damage to vehicle and accessories on land or in transit
• Compulsory third-party liability (bodily injury and property damage)
• Theft of vehicle cover
• Natural calamity, fire, riot and strike damage (comprehensive)
• No-claim discount up to 35%
• Optional voluntary excess (deductible) to reduce premium

Personal accident cover (individual, group and aviation/trekking variants) paying lump-sum/medical benefits for accidental death, permanent or temporary disablement and accident medical expenses, 24-hour worldwide.

Plan details

• Accidental death benefit (capital sum insured)
• Permanent total/partial disablement benefit
• Temporary total disablement weekly benefit
• Accident medical expense reimbursement
• 24-hour worldwide cover
• Individual and group/employee schemes

Covers cargo in marine, inland and air transit (ICC, ITC, ICC Air) against transit perils until safe arrival; in force since 2062 BS.

Plan details

• Cover for sea, inland (ITC) and air cargo (ICC Air) transit
• Accident, stranding, grounding, sinking, burning, collision
• Heavy weather, sea/river water entry, improper stowage by carrier
• Theft, pilferage and non-delivery
• Natural perils in transit

Project and equipment cover for contractors and industry: CAR, EAR, machinery and electronic equipment.

Plan details

• Contractors All Risk (CAR) - civil construction projects
• Erection All Risk (EAR) - plant/machinery erection
• Contractors Plant & Machinery (CPM)
• Electronic Equipment Insurance (EEI)
• Marine cum Erection; third-party liability during works

Covers buildings, contents, stock and machinery against fire and allied perils; rated per Nepal Property Insurance Tariff 2076 by construction class, occupancy and commodity type.

Plan details

• Fire, lightning and explosion
• Earthquake, storm, flood, landslide
• Aircraft and impact damage
• Theft / burglary extension
• Riot, strike, malicious damage and terrorism extension

Annual premium: Indicative rate ~Rs 2 per 1,000 on Rs 10,00,000 sum insured for Contractors'/Erection All Risk / Machinery Breakdown. Varies by project type and period.

Project and machinery engineering covers including Contractors' All Risk, Erection All Risk, Machinery Breakdown and Boiler/Pressure Vessel.

Plan details

• Contractors' All Risk (CAR) for civil construction projects
• Erection All Risk (EAR) for plant/equipment installation
• Machinery Breakdown (MBD) cover
• Boiler and Pressure Vessel explosion cover
• Covers natural calamity, fire, accidental damage during project
• Third-party liability during construction/erection

Covers loss or damage to ships (hull), cargo and goods in transit by sea, air or land during import/export and domestic carriage. Available on basic-cover or all-risk (Institute Cargo Clauses) basis.

Plan details

• Cargo / goods in transit during import and export
• Hull and machinery of ships/vessels
• Loss or damage from perils of the sea, fire, stranding, collision
• Theft, pilferage and non-delivery (under all-risk cover)
• Inland transit (road/rail/air) within Nepal
• General average and salvage charges

Annual premium: 30-day worldwide adult trip. Derived market estimate; not a quoted NIC Nepal rate.

Travel medical insurance covering sudden sickness or accident while the insured is outside Nepal. Plans for Business & Holiday, Employment & Study, and Corporate Frequent Traveller categories.

Plan details

• Emergency medical expenses and hospitalisation abroad
• Personal accident cover while overseas
• Coverage for Business & Holiday travellers
• Coverage for Employment & Study travellers
• Corporate Frequent Traveller option
• Sum insured options typically USD 50,000-500,000

Annual premium: 30-day worldwide adult trip, USD 50,000 medical cover: standard Nepal overseas-mediclaim ~USD 55-60 (~NPR 7,500 at ~135/USD). Single-trip premium, not annual; HEI-published rate not available — market/tariff benchmark.

Comprehensive and third-party motor cover for private cars/jeeps/vans. Premiums follow the NIA Motor Insurance Tariff Directive 2073.

Plan details

• Own damage from accident/external collision
• Fire and lightning damage to vehicle
• Theft of vehicle
• Third-party liability (death/injury and property damage)
• Personal accident cover for driver/occupants
• Optional riot, strike, malicious damage & terrorism (RSMDST) cover

Householder package covering the residential building and contents against fire and allied perils plus add-ons.

Annual premium: Single 30-day worldwide trip, adult, standard medical+accident cover. Representative non-life travel premium (~Rs 1,500-2,500 band) for a 30-day worldwide policy.

Overseas travel medical cover for Nepali citizens travelling abroad and foreigners whose trip begins/ends in Nepal, covering medical emergencies, baggage and liabilities.

Plan details

• Overseas emergency medical and hospitalization expenses
• Personal accident cover
• Loss / delay of checked baggage and passport
• Trip delay, cancellation and curtailment
• Emergency medical evacuation and repatriation
• Third-party personal liability while abroad

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.

Plan details

• Affordable low-premium cover
• Small capped sum insured
• Simplified underwriting and documentation
• Cover for life/property/health risks of low-income groups
• Quick, simplified claims

Suite of engineering covers for construction and erection projects, machinery and electronic/industrial equipment, including Contractor All Risk, Erection All Risk, Machinery Breakdown, Boiler & Pressure Plant, Electronic Equipment, Contractor's Plant & Machinery and Civil Engineering Completed Risk.

Plan details

• Contractor All Risk (CAR) for civil works - buildings, roads, bridges
• Erection All Risk (EAR) for plant/machinery installation incl. testing
• Machinery Breakdown - electrical/mechanical breakdown and repair/replacement
• Boiler & Pressure Plant and Electronic Equipment insurance
• Contractor's Plant & Machinery (CPM) across project sites
• Civil Engineering Completed Risk and Advance/Machinery Loss of Profit (DSU/ALOP)

Marine cargo / transit cover for import, export and inland goods movement by sea, air, rail and road for landlocked Nepal trade. Rated per NIA marine tariff on consignment value.

Plan details

• Loss or damage to goods in transit (sea, air, rail, road)
• Fire, theft and accidental damage during transit
• Cover for loading/unloading at docks
• Import/export across multiple borders
• ICC A/B/C clause options

Annual premium: 30-day worldwide adult trip, outbound travel medical cover. Representative ~Rs 1,500-2,500 based on Nepali non-life travel/overseas mediclaim pricing. Derived market benchmark, not a quoted Nepal Insurance rate.

Covers medical expenses and emergency evacuation for individuals travelling abroad, offered under the Miscellaneous portfolio.

Plan details

• Overseas medical and hospitalization expenses
• Emergency medical evacuation and repatriation
• Accidental injury abroad
• Per-trip cover for international travel
• Coverage tiers meeting destination medical requirements

Comprehensive and third-party motor cover for private cars and EVs (policy code PC, first issued 1996). Covers accidental own-damage and third-party liability; optional terrorism and riot/strike damage cover.

Plan details

• Own-damage cover: accident, fire, self-ignition, explosion
• Theft and burglary of vehicle
• Third-party bodily injury and property damage liability (mandatory)
• Natural calamity cover (flood, landslide) as add-on
• No-claim bonus 20-50% for claim-free years
• Premium based on make, declared value, manufacturing year, cubic capacity and seats

Covers plant, machinery and projects against sudden accidental physical loss/damage beyond fire cover; includes Contractors' All Risk and machinery breakdown.

Plan details

• Machinery breakdown: electrical equipment, mechanical plant, process machinery
• Contractors' All Risk (CAR) for civil works
• Sudden, unforeseen accidental physical loss or damage
• Cover beyond standard fire policy scope
• Third-party liability arising from works (add-on)

Overseas travel medical cover for Nepali citizens travelling abroad (tourists, students, business), including International Travelers Medi-claim.

Plan details

• Medical and emergency expenses abroad (sudden illness/accident)
• Emergency medical evacuation and repatriation
• Personal liability
• Loss of passport
• Travel delay and delay/loss of checked baggage

Covers imports/exports and inland transit of goods from origin warehouse to final destination; cover scope governed by Institute Cargo Clauses attached.

Plan details

• Import and export cargo shipment cover
• Inland (within-Nepal) dispatch cover
• Origin warehouse to final destination transit
• Claims recovery against carriers
• Cover scope per Institute Cargo Clauses A/B/C

Annual premium: Per-shipment cargo cover on Rs 10,00,000 sum insured; Institute Cargo Clauses; indicative rate ~Rs 1.5 per 1,000. Actual rate varies by route/commodity/ICC clause.

Aviation hull and liability cover for aircraft including crew personal accident.

Plan details

• Aircraft Hull cover (physical damage)
• Aviation third-party legal liability
• Passenger legal liability
• Crew Personal Accident cover
• Spares and equipment cover

Protects construction and erection projects, plant, machinery and electronic equipment from feasibility/construction through commissioning and operation. Includes Contractor's All Risk (CAR), Erection All Risk (EAR), Plant & Machinery and Electronic Equipment insurance.

Plan details

• Contractor's All Risk (CAR) - civil construction works
• Erection All Risk (EAR) - plant/machinery erection
• Machinery breakdown insurance
• Electronic Equipment insurance
• Damage from accident, fire, flood, earthquake during construction
• Third-party liability arising from project works

Annual premium: Rate depends on terms of cover (Basic Cover vs All Risk Cover under ICC A/B/C), commodity, packing, route and conveyance — tariff/risk-based, not a fixed amount. War & SRCC (import/export) and SRCC (inland transit) available for additional premium.

Marine cargo and hull cover offered as Open Cover (12-month framework for many shipments), Open Policy (12-month policy with large declared sum insured on reducing-balance), or Specific Policy (single voyage). Covers hull, cargo, freight, general average and P&I liability.

Plan details

• Cargo cover under ICC A, ICC B and ICC C clauses
• Hull and marine casualty cover
• Freight and general average coverage
• P&I (Protection and Indemnity) liability cover
• Open Cover / Open Policy / Specific Policy structures
• Onshore/offshore property (terminals, ports, pipelines)

Covers buildings, plant, machinery, stock and contents against fire, lightning and allied perils. Rate set by NIA fire tariff based on occupancy and construction class.

Plan details

• Fire and lightning
• Explosion / implosion
• Riot, strike & malicious damage
• Aircraft and vehicle impact
• Flood, storm, cyclone & inundation (allied perils)
• Earthquake and tsunami (add-on)

Flagship individual/family hospitalisation plan with cashless network, daycare and optional OPD; relaunched 2025 as Shikhar Health Security with SI up to Rs 2 million.

Plan details

• In-patient hospitalisation (24+ hr stays) — room, OT, surgeon/specialist fees
• 150+ daycare procedures covered without 24-hr stay
• Pre-hospitalisation 30 days and post-hospitalisation 60 days
• Cashless treatment at 20+ network hospitals across Nepal (Norvic, Mediciti, Grande, etc.)
• Newborn hospitalisation coverage
• Pre-existing/chronic conditions covered after 2-year waiting period

Transit cover for goods moving by sea, air or land and hull cover for vessels, using Institute Cargo Clauses (A/B/C) per the marine tariff.

Plan details

• Cargo transit by sea, air, road and rail
• Institute Cargo Clauses A (All Risks), B and C cover options
• Loss/damage from fire, sinking, collision, overturning, derailment
• Theft, pilferage and non-delivery (under ICC-A)
• War and strikes (SRCC) clauses as extension
• Hull cover for vessels

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.

Plan details

• Personal accident cover
• Medical and emergency expenses abroad
• Medical evacuation / repatriation
• Travel delay compensation
• Loss of checked baggage
• Loss of passport
• Personal liability abroad

Covers aircraft hull and spares, aviation liability, crew personal accident and loss of licence for operators.

Plan details

• Aircraft hull all-risk and hull war cover
• Aviation third-party and passenger legal liability
• Aviation personal accident for crew
• Loss of licence cover for pilots/crew
• Aircraft hull and spares cover

Aviation hull and liability cover for aircraft against accidental damage, war & allied risks, and third-party/passenger/cargo liability.

Plan details

• Aircraft hull all-risk and accidental damage
• War, hijacking and allied perils
• Third-party legal liability
• Passenger and cargo liability
• Spares and ground equipment cover

Annual premium: Cargo premium rated as a percentage of consignment value by route, commodity and ICC clause; typically a fraction of 1% per shipment

Covers loss or damage to cargo and goods in transit by sea, inland waterway, road, rail or air between origin and destination. Uses Institute Cargo Clauses (ICC) and Inland Transit Clauses (ITC).

Plan details

• Marine cargo cover (import/export) under Institute Cargo Clauses A/B/C
• Inland transit cover (ITC) by road/rail
• Loss or damage during loading, transit and unloading
• Multi-modal transit (sea, air, road, rail, inland waterway)
• Single transit or open/annual policy options

Annual premium: Fixed third-party tariff, motorcycle up to 150cc = Rs 1,707; 151-250cc = Rs 1,933; 251cc+ = Rs 2,159 (NIA Motor Tariff). Comprehensive adds own-damage ~1.5% of bike value

Comprehensive and third-party two-wheeler cover (motorcycles/scooters). Own-damage plus mandatory third-party liability with optional add-ons.

Plan details

• Own-damage cover: accident, fire, explosion
• Theft of motorcycle
• Mandatory third-party bodily injury and property liability
• Riot, strike and malicious damage extension available
• Minimum own-damage premium ~Rs 1,000
• No-claim bonus from second year

Annual premium: Bespoke/reinsurance-driven premium based on hull value, aircraft type, usage and liability limits; not a fixed tariff. Quoted case by case.

Aircraft hull and aviation liability cover including passenger and third-party liability for the loss of aircraft and resulting financial damage.

Plan details

• Aircraft hull all-risk cover
• Passenger legal liability
• Third-party (public) liability
• Crew personal accident
• War and allied perils (add-on)

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual. Derived from published Nepal non-life mediclaim rate ~1.5% of sum insured (~Rs 1,500 base) plus standard adult individual loading; aligns with NHIP benchmark of ~Rs 3,500 for Rs 1,00,000 co

Bundle of liability, accident and benefit covers: personal accident, burglary, cash, fidelity, banker's indemnity and group hospitalization.

Plan details

• Personal Accident (death/disability capital sum)
• Burglary and Housebreaking
• Cash in Transit / Cash in Safe
• Fidelity Guarantee and Banker's Indemnity
• Group Hospitalization / medical benefit

Annual premium: SGIC live travel calculator: 30-day trip, Plan A Standard (Worldwide excluding USA & Canada), Medical-Only cover, adult age 30 = USD 41 = NPR 5,453 premium (NPR 6,184 total incl VAT + Rs 20 stamp at NPR 133/USD). This is a per-trip 30-day p

Single onward-and-return trip cover for medical and non-medical emergencies abroad for a fixed duration.

Plan details

• Medical and emergency expenses abroad
• Personal liability
• Loss of passport
• Travel delay
• Delay of checked baggage

Annual premium: Per-shipment cargo cover on Rs 10,00,000 sum insured; Institute Cargo Clauses; indicative rate ~Rs 1.5 per 1,000. Actual rate varies by route/commodity/ICC clause.

Crop and livestock insurance protecting farmers against loss of crops and animals; eligible for government premium subsidy.

Plan details

• Crop insurance against natural calamity, pest and disease loss
• Livestock/cattle insurance against death/disease
• Poultry and fishery cover options
• Government premium subsidy (typically up to ~75-80% under Nepal scheme)
• Covers flood, drought, hailstorm, landslide damage to crops

Covers aeroplanes and helicopters against hull damage and liabilities, including passenger, crew, cargo and third-party legal liability.

Plan details

• Hull (aircraft/helicopter) all-risk damage
• Passenger legal liability
• Crew personal accident
• Cargo / baggage liability
• Third-party legal liability
• Spares and ground risks

Annual premium: Rate set on a risk basis by project value, contract period, type of works/machinery and testing exposure — tariff/quotation-based, not published. CAR/EAR premiums run for the construction/erection period; annual policies are 12-month.

Suite of engineering covers: project policies — Contractors All Risk (CAR) and Erection All Risk (EAR); and annual policies — Machinery Breakdown, Machinery Loss of Profit, Electronic Equipment, Contractors Plant & Machinery, and Boiler & Pressure Plant insurance.

Plan details

• Contractors All Risk (CAR) for civil construction works
• Erection All Risk (EAR) for plant erection and testing
• Machinery Breakdown and Machinery Loss of Profit
• Electronic Equipment Insurance
• Contractors Plant & Machinery Insurance
• Boiler & Pressure Plant Insurance
• Third-party liability and Delay in Start-Up (DSU)

Annual premium: 30-day worldwide adult trip, USD 50,000 medical cover: standard Nepal overseas-mediclaim ~USD 55-60 (~NPR 7,500 at ~135/USD). Single-trip premium, not annual; HEI-published rate not available — market/tariff benchmark.

Overseas travel medical and trip cover. HEI markets itself as a pioneer of travel insurance in Nepal; Schengen-compliant plans available.

Plan details

• Emergency medical expenses & hospitalisation abroad
• Emergency medical evacuation and repatriation
• Personal accident (death/disability)
• Loss of passport
• Baggage loss/delay
• Trip cancellation/curtailment (plan dependent)

Annual premium: Estimate: 30-day worldwide adult single trip, standard Nepal travel-medical band ~Rs 1,500-2,500.

Employer/group hospitalisation cover with negotiated group sum insured and cashless network access.

Project and plant cover including Contractors' All Risks (civil works), Erection All Risks (machinery installation), Machinery Breakdown and Electronic Equipment insurance.

Plan details

• Contractors' All Risks (CAR) for civil construction projects
• Erection All Risks (EAR) for installation/testing of plant and machinery
• Machinery Breakdown (accidental/electrical/mechanical breakdown)
• Electronic Equipment / Electronic All Risk cover
• Third-party liability arising from the project
• Cover during construction, testing, commissioning and maintenance period

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.

Plan details

• Personal accident cover for trekking/mountaineering
• Emergency medical expenses at altitude
• Helicopter search and rescue / evacuation
• Repatriation of remains
• Trip curtailment support

General miscellaneous accident covers including burglary & housebreaking, fidelity guarantee, professional indemnity, personal accident and householder's/home package policies.

Plan details

• Burglary and housebreaking (theft of property/contents)
• Fidelity guarantee (employee dishonesty / embezzlement)
• Professional indemnity (negligence liability of professionals)
• Personal accident (death, permanent/temporary disability)
• Householder's / home package combining fire, burglary and contents

Crop and livestock cover (cattle, poultry, fish, paddy, vegetables, fruits) against fire, natural disaster, disease and malicious acts. Heavily government-subsidised in Nepal.

Plan details

• Livestock (cattle, buffalo) mortality from disease/accident
• Poultry and fish farming cover
• Crop cover - paddy, vegetables, fruits
• Protection against fire and natural disasters
• Cover for malicious acts
• ~80% government premium subsidy

Annual premium: CAR/EAR premium rated on full contract value (including materials, wages, freight, customs); machinery/EEI rated on replacement value of insured items

Suite covering construction and erection projects, machinery and electronic equipment: Contractor All Risk (CAR), Erection All Risk (EAR), Machinery Breakdown, Electronic Equipment Insurance and Contractor Plant & Machinery.

Plan details

• Contractor All Risk (CAR) for civil projects - buildings, roads, hospitals
• Erection All Risk (EAR) for plant erection from material unloading onwards
• Machinery Breakdown - sudden physical loss/damage, faulty design/materials/operation
• Electronic Equipment Insurance for computers, telecom and medical devices
• Contractor Plant & Machinery (CPM) annual cover across multiple sites
• Covers fire, theft, earthquake, impact, riot and natural disasters

Motor cover for goods carriers, buses, taxis, tractors and other commercial vehicles; comprehensive own-damage plus mandatory third-party liability.

Plan details

• Own-damage: accident, fire, explosion, overturning
• Theft of vehicle
• Third-party liability for passengers and goods (mandatory)
• Optional cover for goods in transit and passenger liability
• Natural calamity and riot/strike extensions
• Premium driven by CC, seats/tonnage and declared value

Standard property/fire policy covering buildings, machinery, furniture, stock and computers against fire and allied perils; rated per the Nepal Property Insurance Tariff 2076 by class of construction, occupancy and commodity.

Plan details

• Fire and lightning damage to building, machinery, stock and contents
• Earthquake cover (add-on)
• Riot, strike and malicious damage
• Terrorism cover
• Covers furniture, fixtures, computers and ancillary equipment

Annual premium: Project-rated as a percentage of contract/project value over the construction or erection period (typically a few per-mille of project value), varying by project type, duration and risk.

Suite of engineering covers: Contractors All Risk, Erection All Risk, Contractor's Plant & Machinery and Electronic Equipment Insurance for construction and installation projects.

Plan details

• Contractors All Risk (CAR) — civil works, third-party liability
• Erection All Risk (EAR) — machinery & steel structure installation
• Contractor's Plant & Machinery (CPM) — owned/hired equipment
• Electronic Equipment Insurance (EEI) — electronic equipment damage
• Third-party property damage and bodily injury cover

Annual premium: Private car comprehensive (own damage + third-party + personal accident) on a Rs 15,00,000 vehicle, 1000-1600cc; NIA Motor Insurance Tariff 2073: ~0.87% of declared value up to Rs 20 lakh + ~Rs 4,000 service charge, plus PA/road components.

Low-cost micro-insurance products (including micro-enterprise cover) for low-income groups and small enterprises with small sums insured and affordable premiums.

Plan details

• Affordable low-premium cover for low-income individuals/families
• Micro-enterprise property cover for small businesses
• Simplified documentation and quick processing
• Covers fire, accident and basic property/personal risks
• Designed to meet NIA micro-insurance directive

Low-cost crop and cattle cover targeted at low-income and smallholder farmers, supported by government, providing basic protection at affordable premiums.

Plan details

• Affordable crop cover for smallholder farmers
• Cattle / livestock death cover
• Government-supported subsidised premium
• Simplified documentation and claims for low-income insureds
• Protection against natural calamity and disease

Annual premium: Tariff/risk-rated by sum insured, nature of property and security arrangements; rate not published. Typically a small per-thousand rate on the sum insured.

Burglary and housebreaking insurance covering loss of or damage to property (stock, contents, valuables) following forcible and violent entry/exit, plus damage to premises during the attempt.

Plan details

• Loss of property by burglary/housebreaking with forcible entry
• Theft following violent and forcible entry/exit
• Damage to insured property during burglary
• Damage to premises caused by burglars
• Cover for stock, contents and valuables

Annual premium: Per-shipment, not annual. Rs 10,00,000 sum insured at ~0.5 per thousand (0.05%) market transit rate = Rs 500 representative. (annual_premium_npr field shows an indicative figure for an assumed Rs ~1 crore turnover/multiple transits; single

Covers goods in transit by land, sea or air, domestically and internationally (warehouse to warehouse).

Plan details

• Warehouse-to-warehouse transit cover
• Natural disaster and weather damage
• Accidents at sea / in transit
• Fire damage
• Theft and pilferage
• Partial and total loss

Individual or group accident cover paying benefits for accidental death, disablement, medical and funeral expenses.

Plan details

• Accidental death — 100% of sum insured
• Permanent total disablement — 100%; permanent partial — scaled by injury
• Temporary total disablement — weekly benefit (actual loss or 1% of SI, whichever lower)
• Medical expenses up to 10% of SI (max Rs 100,000); funeral up to 10% of SI or Rs 50,000
• Individual and group options

Covers loss of or damage to goods in transit by sea, air, rail or road between origin and destination, under Institute Cargo Clauses.

Annual premium: 30-day worldwide adult trip, standard medical+accident cover. Representative Nepal market premium ~Rs 1,500-2,500; midpoint ~Rs 1,800 per trip. Estimate.

Travel insurance for outbound/inbound travellers covering medical emergencies, hospitalisation, trip disruption and personal accident abroad; Schengen/visa-compliant plans available.

Plan details

• Emergency medical expenses and hospitalisation abroad
• Personal accident (death/disability)
• Trip cancellation / interruption
• Loss of baggage and passport
• Medical evacuation and repatriation
• Schengen/visa-compliant single, multi-trip and annual plans

Annual premium: Premium individually rated on hull value, liability limits, aircraft type and usage; large commercial risks often reinsured

Covers claims arising from aircraft ownership, maintenance or use - hull damage plus passenger, public and third-party liability.

Plan details

• Aircraft hull all-risk cover (in-flight, taxiing and ground)
• Passenger liability
• Public/third-party liability
• Combined Single Limit (CSL) option
• Ground risk hull (stationary and taxiing)
• Pays medical bills and lawsuit damages for injured/killed passengers and persons

Package home insurance covering the dwelling building and household contents against fire and allied perils, with optional burglary and personal accident sections.

Plan details

• Dwelling building against fire, lightning, explosion
• Household contents and furniture
• Earthquake and natural calamity extension
• Burglary and housebreaking of contents
• Riot, strike, malicious damage
• Optional personal accident for family

Householder/home package for residential buildings, apartments, temples and meditation places with contents, covering fire and allied perils up to Rs 2 crore.

Plan details

• Residential building and apartment structure cover up to Rs 2 crore
• Household contents and furniture
• Fire, lightning and earthquake perils
• Riot, strike and malicious damage
• Optional burglary of contents

Annual premium: Each sub-cover rated separately per 1,000 sum insured by risk type — generally low single-digit rates per 1,000 (e.g. burglary, money, fidelity); workmen compensation rated on wage roll.

Basket of general covers: burglary & housebreaking, money/cash-in-transit, fidelity guarantee, professional/public/product liability, bankers blanket, workmen compensation and all-risks.

Plan details

• Burglary & housebreaking
• Money insurance / cash-in-transit
• Fidelity guarantee
• Public, product and professional liability
• Workmen compensation
• Bankers blanket indemnity and all-risks

Annual premium: Rs 1,00,000 sum insured, individual adult about age 30; about Rs 3,500/yr market reference. APPROXIMATE; RBCL has no published rate table.

Compensates for medical, hospital and surgical expenses incurred due to illness or accident during foreign travel; claims can be settled directly abroad through a claim-assistance/medical service provider.

Plan details

• Overseas medical treatment, hospitalisation and surgery
• Direct settlement abroad via medical service provider / claim assistance
• Coverage for illness and accident during foreign travel
• Emergency medical evacuation/assistance
• Cover tied to trip duration

Annual premium: Rated on annual cash carryings/estimated transit turnover and single-transit limit; tariff not published. Premium typically a percentage rate applied to annual estimated money in transit.

Money insurance covering loss of cash in transit between premises and bank, money on premises during business hours, and money in locked safes/strong rooms outside business hours, plus damage to safes from theft attempts.

Plan details

• Theft of cash in transit between premises and bank
• Theft of money on premises during business hours
• Money in locked safes/strong rooms outside business hours
• Loss of money in custody of an authorised employee
• Loss of or damage to safes/strong rooms during theft or attempt

Hull and liability cover for aircraft and aviation operators.

Plan details

• Aircraft hull all-risks (ground and flight)
• Third-party legal liability
• Passenger legal liability
• Spares and equipment cover
• Hull war and allied perils (add-on)
• Crew personal accident

Overseas travel medical and comprehensive trip cover for Nepalis travelling abroad (and foreigners residing in Nepal), zoned by destination area.

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.

Plan details

• Material damage to construction works
• Natural perils and fire during construction
• Third-party liability on site
• Optional maintenance/defects liability period
• Plant, equipment and temporary works cover

Personal accident and group accident cover paying lump-sum benefits for accidental death and permanent/partial disability; offered individually, as group cover and as low-ticket micro cover.

Plan details

• Accidental death lump-sum benefit
• Permanent total/partial disability benefit
• Temporary total disability weekly benefit
• Medical expense reimbursement for accidents
• Individual and group/employee schemes
• 24-hour worldwide cover

Annual premium: Rs 1,00,000 sum insured, 30-year adult individual. Representative/derived from Nepali market mediclaim rates (govt NHIP benchmark ~Rs 3,500 per Rs 1,00,000 for a family; private individual adult ~Rs 4,000-6,000). Not a quoted Nepal Insuranc

Portfolio of accident and liability covers: Personal Accident (PA/GPA), Burglary, Cash-in-Transit, Fidelity Guarantee, Bankers Indemnity, Public/Product/Professional Liability.

Plan details

• Personal Accident and Group Personal Accident (death/disability)
• Burglary and theft of business premises contents
• Cash-in-transit and bankers indemnity
• Fidelity guarantee against employee fraud/dishonesty
• Public, product and professional indemnity liability
• Annual policies covering accidental events

Marine policy (code MRN, first issued 1996) covering loss or damage to cargo and goods in transit by land, rail, sea and air between origin and final destination.

Plan details

• Loss or damage to cargo in transit (land/rail/sea/air)
• ICC (A)/(B)/(C) institute cargo clauses cover options
• Covers import, export and inland transit consignments
• Single transit or open/annual declaration policy
• Protects transporters and ship/goods owners
• War and strikes (SRCC) cover available as extension

Annual premium: Designed for very low premiums affordable to small-income households (regulator-capped micro tariffs, typically a few hundred to low-thousand rupees per year per cover).

Low-cost insurance for low-income households across personal/group accident, medical, household and micro-enterprise property.

Plan details

• Micro personal/group accident cover
• Micro medical/hospitalisation
• Micro household (dwelling & contents)
• Micro-enterprise property cover
• Affordable for low-income earners

Annual premium: Rs 10,00,000 sum insured at ~2 per thousand (0.20%) indicative engineering/contractors' rate = Rs 2,000. Rate varies widely by project type/period; benchmark only.

Covers construction/erection projects and machinery against engineering risks. Includes CAR, EAR, machinery breakdown, contractors' plant and electronic equipment.

Plan details

• Contractors' All Risks (CAR) for civil projects
• Erection All Risks (EAR) for plant erection
• Machinery breakdown insurance
• Contractors' plant & machinery (CPM)
• Electronic equipment insurance (EEI)
• Boiler & pressure plant explosion

Annual premium: Premium by sum insured and trek duration; quoted via calculator. Search & rescue / evacuation is an optional extension.

Personal accident and rescue cover for trekkers in Nepal covering high-altitude perils 24 hours during the trek.

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.

Plan details

• Physical damage during erection and testing
• Fire and natural perils on site
• Third-party liability
• Testing and commissioning cover
• Optional maintenance period

Crime/casualty covers under miscellaneous line: burglary & housebreaking, cash-in-transit, cash-in-vault/safe, bankers blanket, fidelity guarantee and householder package.

Plan details

• Burglary and housebreaking of property/stock
• Cash-in-transit cover
• Cash-in-safe / cash-in-vault cover
• Bankers blanket / fidelity guarantee
• Householder comprehensive package

Annual premium: Premium rated on revenue, data volume and selected indemnity limit; individually quoted

Claims-made policy helping organisations manage financial loss, legal liability and operational disruption from cyber incidents such as hacking, data breaches and system failures.

Plan details

• Cover for financial losses from cyber incidents
• Data breach and hacking response
• Legal support and liability
• Operational continuity / business interruption assistance
• Claims-made basis (claims reported during policy period)

Annual premium: Premium per Nepal engineering tariff based on contract value, project type and period; typically a fraction of a percent of the total contract value for the whole project term.

Engineering policy (code CAR, first issued 1996) giving all-risks cover for civil construction projects against physical loss/damage during the construction period plus third-party liability.

Plan details

• Physical damage to civil works during construction
• Natural perils: flood, storm, earthquake, landslide
• Fire, explosion and theft on site
• Third-party liability (bodily injury / property)
• Construction plant, materials and temporary works
• Maintenance/defects liability period extension

Bundle of miscellaneous accident covers: burglary/housebreaking, money/cash-in-transit, fidelity guarantee, banker's indemnity, public & professional liability, workmen's compensation, student safety, baggage and personal accident.

Plan details

• Burglary and housebreaking of premises/stock
• Money insurance (cash in safe / in transit)
• Fidelity guarantee and banker's indemnity
• Public liability and professional indemnity
• Workmen's compensation / employer's liability
• Personal accident, student safety and baggage cover

Bundle of miscellaneous/general accident covers — burglary, money, fidelity guarantee, glass, public liability and similar.

Plan details

• Burglary & housebreaking
• Money in transit and in safe
• Fidelity guarantee (employee dishonesty)
• Plate glass
• Public/product liability
• Workmen's compensation / employers' liability

Cargo-in-transit cover for goods moved by sea, air, rail or road, for imports and exports, on Institute Cargo Clauses basis.

Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.

Plan details

• Sudden unforeseen breakdown of machinery
• Electrical and mechanical failure
• Defects in casting/material in operation
• Damage from short circuit, abnormal stress
• Repair or replacement cost

Annual premium: Annual rate per Nepal engineering tariff, a small percentage of the sum insured (replacement value) of the plant/equipment fleet.

Engineering policy covering construction plant, machinery and equipment against accidental physical loss or damage whether at work, at rest or during maintenance on site.

Plan details

• Accidental damage to plant and machinery
• Fire, explosion, theft and burglary
• Natural calamities (flood, landslide, earthquake)
• Cover at work, at rest and during maintenance
• Excavators, cranes, mixers and similar equipment
• Sum insured on new replacement value basis

Annual premium: Premium a rate on the contract value, varying by project type, duration and risk; quoted per project. Separate excess for normal losses and for collapse/Acts of God.

All-risk cover for civil engineering/construction projects — works, materials and third-party liability — sum insured on full completed contract value.

Plan details

• Construction works and materials at full contract value (incl. wages, freight, duties, taxes)
• Fire, lightning, explosion, accidental damage during construction
• Water/flood damage, earthquake, collapse, burglary
• Third-party liability — personal injury and property damage
• Debris removal and surrounding property damage

Annual premium: Rate per Rs 1,000 of equipment value by equipment class; annual policy.

All-risk cover for electronic and IT/medical/telecom equipment against sudden physical loss or damage.

Plan details

• Accidental physical damage to electronic equipment
• Fire, short circuit, electrical damage
• Theft and burglary
• External data media and increased cost of working options
• Worldwide repair/replacement basis

Annual premium: Single premium for the erection period per Nepal engineering tariff, based on total erected value and project risk.

Engineering policy covering the erection/installation of plant, machinery and steel structures against physical loss or damage during erection and testing, plus third-party liability.

Plan details

• Damage during erection, installation and testing
• Fire, explosion and short-circuit
• Natural perils (flood, storm, earthquake)
• Theft and burglary at site
• Third-party liability
• Testing and commissioning cover

Annual premium: Rate on total erection/contract value by project risk and duration; quoted per project.

All-risk cover for installation/erection of plant, machinery and equipment projects, sum insured on completed erection value.

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.

Plan details

• Damage to plant at work, at rest or during maintenance
• Fire and natural perils
• Accidental/external damage
• Overturning and collision
• Theft cover

Annual premium: Annual rate per Nepal engineering tariff as a percentage of machinery/boiler sum insured, varying with machine type and age.

Engineering covers for sudden and unforeseen electrical/mechanical breakdown of operating machinery, and for boiler/pressure-vessel explosion and implosion damage.

Plan details

• Sudden, unforeseen electrical and mechanical breakdown
• Boiler and pressure vessel explosion/implosion
• Damage to surrounding property from explosion
• Short circuit, defective lubrication, abnormal stress
• Repair or replacement on indemnity basis
• Optional loss-of-profit (engineering BI) extension

Aircraft hull and liability cover including passenger, cargo and third-party liability plus crew and operator extensions.

Hull and aviation liability cover for aircraft, including damage to the aircraft and legal liability to passengers and third parties.

Plan details

• Aircraft hull all-risk damage
• Passenger legal liability
• Third-party liability
• Spares and ground equipment cover
• War and allied perils extension available

Annual premium: Bespoke/placed premium (largely reinsurance-driven) as a percentage of the agreed insured hull value plus liability limits; not a published fixed tariff.

Aviation policy (code HL, first issued 1996) covering aircraft hull (physical damage) and legal liabilities to passengers and third parties; part of a full aviation suite (hull war, hull deductible, aero-engine breakdown, loss of licence, aviation personal accident).

Plan details

• Aircraft hull all-risks physical damage
• Passenger legal liability
• Third-party legal liability
• Spares and ground risks
• Hull war and allied perils (extension)
• Aircraft ownership, maintenance and airport risks

Subsidised crop, livestock, poultry and fishery cover under Nepal's agriculture insurance scheme with heavy government premium subsidy.

Plan details

• Livestock, poultry, fish, paddy, vegetables, fruits and farming
• Fire and Acts of God (earthquake, flood, landslide, storm)
• Diseases and pest/insect attack
• Government premium subsidy 75-80%
• Group insurance discount (~15%)

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.

Annual premium: 30-day worldwide adult single trip; representative market range Rs 1,500-2,500.

Travel medical policy (code TMI, first issued 1997) for Nepalis travelling abroad and foreigners, covering overseas medical/emergency expenses, accident, repatriation and trip-related benefits; SAARC, worldwide and worldwide-incl-USA/Canada zones.

Plan details

• Overseas emergency medical and hospitalization expenses
• Personal accident (death/disablement)
• Emergency medical evacuation and repatriation
• Loss of baggage and passport
• Trip delay and cancellation/curtailment
• Personal liability abroad; SAARC / worldwide / worldwide-incl-USA-Canada zones