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Non-life insurance — compare policies

We found 151 products

Motor, health, fire, travel and more from Nepal's 14 non-life insurers. The Nepal Insurance Authority (NIA) licenses 14 life and 14 non-life insurers. Compare their policies by premium, sum assured/insured, policy term, entry age and claim-settlement ratio — the key trust metric when choosing cover.

Life InsuranceNon-Life Insurance
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Motor & health

Plan typePlans
Motor21See more
Medical / Health20See more
Travel16See more

Property & business

Plan typePlans
Fire / Property22See more
Engineering22See more
Marine14See more

More plans

Plan typePlans
Aviation10See more
Agriculture12See more
Micro14See more

12 matching

Himalayan Everest logo
Himalayan EverestAgriculture & Livestock InsuranceAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
98.31%
Sum insured
Rs 10,000–Rs 50 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • Livestock/cattle insurance (death from disease/accident)
  • Crop insurance against natural calamity
  • Poultry insurance
  • Fishery insurance
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
Prabhu Insurance logo
Prabhu InsuranceAgriculture (Crop & Livestock) InsuranceAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
85.84%
Sum insured
—
Policy term
1 yr
Plan type
Agriculture
Features
  • Crops: paddy, vegetables, fruits and other crops
  • Livestock and cattle cover
  • Poultry cover
  • Fisheries cover
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
Nepal Insurance logo
Nepal InsuranceAgriculture & Livestock InsuranceAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
74%
Sum insured
Rs 10 crore
Policy term
1 yr
Plan type
Agriculture
Features
  • Crop, fruit and vegetable insurance
  • Cattle/livestock insurance
  • Poultry/birds insurance
  • Fish and bee insurance
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
Neco logo
NecoAgriculture & Livestock (Cattle/Goat/Crop) InsuranceAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
70%
Sum insured
Rs 10,000–Rs 10 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • 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
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
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NLG logo
NLGAgriculture Insurance PolicyAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
69%
Sum insured
Rs 10,000–Rs 50 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • Livestock and cattle cover against death/disease/accident
  • Poultry and fishery cover
  • Crop cover: paddy, vegetables, fruits
  • Fire, earthquake, flood, landslide, storm perils
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
Sanima GIC logo
Sanima GICCattle & Crops (Agriculture) InsuranceAgriculture
Annual premium
Rs 25,000/yr
Claim ratio
63.3%
Sum insured
Rs 10,000–Rs 50 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • Livestock: cattle, poultry, fishery cover
  • Crops and vegetable cover
  • Perils: fire, earthquake, flood, soil erosion, hailstone, lightning
  • Insects/pests and disease cover
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
Rastriya Beema logo
Rastriya BeemaAgriculture & Livestock InsuranceAgricultureLowest premium
Annual premium
Rs 10,000/yr
Claim ratio
—
Sum insured
Rs 10,000–Rs 1 crore
Policy term
1 yr
Plan type
Agriculture
Features
  • 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.)
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
Shikhar logo
ShikharAgri Insurance (Crop & Livestock)Agriculture
Annual premium
Rs 1.25/1,000
Claim ratio
94%
Sum insured
—
Policy term
1 yr
Plan type
Agriculture
Features
  • 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%
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%)
Siddhartha Premier logo
Siddhartha PremierAgriculture, Livestock & Herbs InsuranceAgriculture
Annual premium
Rs 50/1,000
Claim ratio
89.94%
Sum insured
Rs 10,000–Rs 50 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • 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%)
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
Sagarmatha Lumbini logo
Sagarmatha LumbiniAgriculture & Livestock InsuranceAgriculture
Annual premium
Rs 50/1,000
Claim ratio
78.14%
Sum insured
Rs 10,000–Rs 50 lakh
Policy term
1 yr
Plan type
Agriculture
Features
  • Livestock (cattle, buffalo) mortality from disease/accident
  • Poultry and fish farming cover
  • Crop cover - paddy, vegetables, fruits
  • Protection against fire and natural disasters
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
United Ajod logo
United AjodAgriculture & Livestock InsuranceAgriculture
Annual premium
Rs 50,000/yr
Claim ratio
65.87%
Sum insured
—
Policy term
1 yr
Plan type
Agriculture
Features
  • Crop insurance (paddy, potato, vegetables - Tarkari Bari, mushroom)
  • Cattle and livestock cover
  • Poultry/birds and ostrich
  • Fishery (fish farming) cover
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
IGI Prudential logo
IGI PrudentialAgriculture Insurance (Crop and Livestock)Agriculture
Annual premium
Rs 1.5/1,000
Claim ratio
62%
Sum insured
—
Policy term
1 yr
Plan type
Agriculture
Features
  • 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)

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

Insurance

Premiums shown are illustrative samples (typically age 30, base plan) for comparison; your actual premium depends on age, sum assured, term and riders. Claim-settlement ratio is the latest published figure. Confirm with the insurer before buying.

Compiled from each insurer's published plan brochures and NIA disclosures.