Himalayan Everest Insurance Limited is a leading Nepali general (non-life) insurance company offering motor, fire, marine, engineering, aviation, health, travel and miscellaneous insurance.
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शाखा
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एटीएम
12
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (12)
Agriculture & Livestock Insurance
कृषि
Crop, livestock/cattle, poultry and fishery insurance under Nepal's subsidised agriculture insurance scheme.
बीमाङ्क
Rs 10,000 – Rs 50 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 25,000/yr
प्रिमियम अवधि
Annual / per crop cycle
वार्षिक प्रिमियम: NIA-subsidized agriculture tariff is 5% of sum insured (with ~75-80% government premium subsidy; net to farmer ~1-1.25%). On Rs 10,00,000 sum insured gross premium = Rs 50,000 (5 per hundred); farmer pays ~Rs 10,000-12,500 after subsidy.
Crop, livestock/cattle, poultry and fishery insurance under Nepal's subsidised agriculture insurance scheme.
राइडर: Transit cover for livestockAdditional named perils
योजना विवरण
बहिष्करण: Intentional slaughter; pre-existing disease/epidemic without notification; war; theft (unless added); losses outside policy period
Aviation Insurance
उड्डयन
Hull and liability cover for aircraft and aviation operators.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Rs 10,00,000 sum insured at ~Re 0.75 per 1,000 standard marine cargo rate
Hull and liability cover for aircraft and aviation operators.
राइडर: Hull war & allied perilsExcess third-party liabilityLoss of licence (crew)
योजना विवरण
बहिष्करण: Wear & tear and mechanical breakdown; war (unless added); unlawful use; operation outside licensed limits; pilot not appropriately rated
Engineering Insurance
इन्जिनियरिङ
Covers construction/erection projects and machinery against engineering risks. Includes CAR, EAR, machinery breakdown, contractors' plant and electronic equipment.
बीमाङ्क
Rs 10 lakh – Rs 100 crore
पोलिसी अवधि
1–3 yrs
वार्षिक प्रिमियम
Rs 2 / 1,000
प्रिमियम अवधि
Single premium for project period (annual for machinery)
वार्षिक प्रिमियम: 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.
राइडर: Third-party liability extensionEarthquake/flood (natural perils)Maintenance period coverSurrounding property cover
योजना विवरण
बहिष्करण: Wear & tear and gradual deterioration; faulty design (consequential); war and nuclear; consequential financial loss; normal maintenance items; experimental operations
Fire & Property Insurance (Standard Fire and Special Perils)
आगलागी / सम्पत्ति
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.
बीमाङ्क
Rs 5 lakh – Rs 50 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 1 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Rs 50,00,000 RCC residential building, standard occupancy: ~1.0 per thousand (0.10%) base fire-and-allied-perils rate = ~Rs 5,000/yr under Property Tariff 2076; earthquake/flood add-on adds ~15-25%. Approximate tariff benchmark, not HEI-quo
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.
बहिष्करण: Goods in open storage; buildings under construction; war and nuclear risks; spontaneous combustion (unless added); consequential loss; interior damage without external building damage
Health Insurance
स्वास्थ्य
Individual/family hospitalisation insurance covering in-patient medical expenses.
बीमाङ्क
Rs 1 lakh – Rs 20 lakh
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–65 yrs
वार्षिक प्रिमियम
Rs 15 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Rs 1,00,000 sum insured, individual adult ~age 30: ~1.5% of sum insured = Rs 1,500/yr (Nepal non-life hospitalization market rate). Age 30 is a low-load band; older ages and higher SA scale up.
Individual/family hospitalisation insurance covering in-patient medical expenses.
Lump-sum benefit for accidental death and permanent/partial disability.
बीमाङ्क
Rs 1 lakh – Rs 1 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
राइडर: Medical expense extensionTemporary total disablement weekly benefit
Covers goods in transit by land, sea or air, domestically and internationally (warehouse to warehouse).
बीमाङ्क
Rs 1 lakh – Rs 20 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.5 / 1,000
प्रिमियम अवधि
Per consignment or annual open policy
वार्षिक प्रिमियम: 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).
बहिष्करण: Ordinary leakage/wear & tear; insufficient/unsuitable packing; inherent vice of goods; delay; war and strikes (unless added); wilful misconduct of insured
Miscellaneous Insurance
लघु
Bundle of miscellaneous/general accident covers — burglary, money, fidelity guarantee, glass, public liability and similar.
बीमाङ्क
Rs 50,000 – Rs 5 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Rs 10,00,000 sum insured at ~Re 0.75 per 1,000 standard marine cargo rate
Bundle of miscellaneous/general accident covers — burglary, money, fidelity guarantee, glass, public liability and similar.
राइडर: All-risks personal propertyExtended liability limits
योजना विवरण
बहिष्करण: War and nuclear risk; wear & tear; consequential loss; dishonesty not covered under fidelity terms; unattended money
Commercial Vehicle Insurance
मोटर
Motor cover for commercial/transport vehicles (taxis, trucks, buses, tractors) per NIA tariff.
बीमाङ्क
Rs 5 lakh – Rs 2 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
राइडर: RSMDST coverLegal liability to paid driver/cleaner
योजना विवरण
बहिष्करण: Overloading beyond licensed capacity; drunk/unlicensed driving; use outside permitted purpose; consequential loss; fraud; war
Private Vehicle Insurance (Four-Wheeler)
मोटर
Comprehensive and third-party motor cover for private cars/jeeps/vans. Premiums follow the NIA Motor Insurance Tariff Directive 2073.
बीमाङ्क
Rs 5 lakh – Rs 1 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
बहिष्करण: Driving under influence of alcohol/drugs; driving without valid licence; consequential/indirect loss; contributory negligence (e.g. driving through flood water); wear & tear; fraudulent claims; war
Two-Wheeler Insurance (Motorcycle/Scooter)
मोटर
Comprehensive and third-party cover for motorcycles and scooters per NIA Motor Tariff Directive 2073.
बीमाङ्क
Rs 50,000 – Rs 25 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 2,200/yr
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Motorcycle third-party fixed NIA tariff: up to 150cc Rs 1,707/yr (151-250cc Rs 1,933; 251cc+ Rs 2,159). Comprehensive adds own-damage at ~minimum Rs 1,000+.
Comprehensive and third-party cover for motorcycles and scooters per NIA Motor Tariff Directive 2073.
राइडर: RSMDST coverExcess on own damage options (Rs 500 / 1,000 / 2,000)
Overseas travel medical and trip cover. HEI markets itself as a pioneer of travel insurance in Nepal; Schengen-compliant plans available.
बीमाङ्क
Rs 30 lakh – Rs 65 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single premium per trip
वार्षिक प्रिमियम: 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.
राइडर: High-altitude trekking extensionAdventure sports coverHigher medical sum insured tiers
योजना विवरण
बहिष्करण: Pre-existing conditions; travel against medical advice; high-altitude trekking above policy limit (unless added); self-inflicted injury; war; participation in hazardous activities
About Himalayan Everest
Himalayan Everest Insurance Limited (HEI) was formed through the first-ever merger in Nepal's insurance industry, combining Himalayan General Insurance (founded 1993) and Everest Insurance Company, with integrated operations beginning Shrawan 1, 2079 BS (July 17, 2022). The merger was completed in a 85:100 share-swap ratio, raising the combined paid-up capital to about Rs 2.24 billion to meet regulatory capital requirements. As a publicly listed company (NEPSE: HEI), it specializes exclusively in general insurance and is recognized as a pioneer of travel insurance and digital policies in Nepal. It operates a nationwide branch network from its head office in Babarmahal, Kathmandu.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
