IGI Prudential Insurance Ltd. is one of Nepal's largest non-life (general) insurers, formed from the merger of IME General Insurance and Prudential Insurance, offering motor, property, marine, health, engineering, agriculture, aviation and micro insurance.
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शाखा
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एटीएम
8
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (8)
Agriculture Insurance (Crop and Livestock)
कृषि
Crop and livestock insurance protecting farmers against loss of crops and animals; eligible for government premium subsidy.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 1.5 / 1,000
प्रिमियम अवधि
Annual / per crop season
वार्षिक प्रिमियम: 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.
बहिष्करण: Loss due to negligence/poor husbandry, pre-existing disease, willful slaughter, theft (unless added), war/nuclear.
Aviation Insurance
उड्डयन
Aviation hull and liability cover for aircraft including crew personal accident.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 1.5 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
राइडर: War, hijacking and allied perils extensionSpares coverLoss of licence (crew)
Project and machinery engineering covers including Contractors' All Risk, Erection All Risk, Machinery Breakdown and Boiler/Pressure Vessel.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 2 / 1,000
प्रिमियम अवधि
Per project term / annual
वार्षिक प्रिमियम: 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.
राइडर: Third-party liability extensionSurrounding property coverMaintenance period coverEarthquake/flood add-on
योजना विवरण
बहिष्करण: Faulty design/workmanship/material, wear and tear, consequential loss, war/nuclear, gradual deterioration, loss discovered only at inventory.
Property Insurance (Fire and Allied Perils)
आगलागी / सम्पत्ति
Property/fire insurance covering buildings, plant, machinery, stock and contents against fire, lightning and allied perils; earthquake/flood/explosion available by endorsement.
बीमाङ्क
Rs 1 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: Standard residential dwelling building, Rs 50,00,000 sum insured. NIA/Beema Samiti Property Tariff 2076 standard dwelling rate ~Rs 0.75 per 1,000 -> Rs 3,750/yr. Rate varies by class of construction/occupancy.
Property/fire insurance covering buildings, plant, machinery, stock and contents against fire, lightning and allied perils; earthquake/flood/explosion available by endorsement.
राइडर: Earthquake coverFlood/storm/inundationRiot, Strike, Malicious Damage (RSMD)Business interruption (loss of profit)Burglary and theft add-on
योजना विवरण
बहिष्करण: War and nuclear risks, wear and tear, spontaneous combustion (unless added), willful negligence, consequential loss unless specifically covered, money/securities/documents.
IGI Health Plus Insurance
स्वास्थ्य
Combined health plan uniting accidental, general medical (hospitalisation/surgery) and critical illness cover with cashless treatment at network hospitals.
बीमाङ्क
Rs 1 lakh – Rs 50 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
राइडर: Critical Illness RiderPersonal AccidentGroup Medical (corporate)
Marine cargo and hull/machinery cover for goods in transit and vessels, under Institute Cargo Clauses (A)/(B)/(C).
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 1.5 / 1,000
प्रिमियम अवधि
Per transit or annual open cover
वार्षिक प्रिमियम: 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).
राइडर: Institute War ClausesInstitute Strikes ClausesInland transit extension
योजना विवरण
बहिष्करण: Inherent vice, ordinary leakage/wear, insufficient packing, willful misconduct, delay, war and strikes (unless ICC war/strikes clauses added).
Micro Insurance
लघु
Low-cost micro-insurance products (including micro-enterprise cover) for low-income groups and small enterprises with small sums insured and affordable premiums.
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1 year)
वार्षिक प्रिमियम: 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.
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.
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.
राइडर: Personal Accident (owner-driver/occupants)Towing charges add-onExtra/electrical accessories coverStrike/Riot/Civil Commotion (RSMD)
योजना विवरण
बहिष्करण: Driving without valid licence, drunk driving, war/nuclear risks, wear and tear/depreciation, consequential loss, use outside permitted geographical area, mechanical/electrical breakdown.
About IGI Prudential
IGI Prudential Insurance Limited is a Nepali general insurance company created through the merger of IME General Insurance Limited and Prudential Insurance Company Ltd., commencing combined operations on 10 May 2023. It holds the highest paid-up capital among general insurers in Nepal at NPR 3,029.33 million and was the fastest among Nepali insurers to complete its merger. The company is backed by prominent industrialists and businesses spanning banking, trading, energy and tourism sectors. It operates a network of roughly 70+ branches across all seven provinces of Nepal and is listed on the Nepal Stock Exchange under the symbol IGI.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
