Non-life insurance — compare policies

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

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

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

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

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

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 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

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

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

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

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: 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.

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 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

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)

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.

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.