Non-life insurance — compare policies

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)

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

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

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

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: 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: 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

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

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)

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

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: 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: 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: 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: 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

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