Nepal Insurance Company Limited is the pioneer (first) non-life/general insurance company of Nepal, established in 1947 and promoted by Nepal Bank Limited.
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शाखा
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एटीएम
11
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (11)
Agriculture & Livestock Insurance
कृषि
Government-subsidised cover for crops, fruits, vegetables, fish, cattle, birds and bees against natural disasters and disease. Operating since Magh 2069 (Jan 2013).
बीमाङ्क
Rs 10 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 25,000/yr
वार्षिक प्रिमियम: Premium heavily subsidised by Government of Nepal: 80% subsidy for sum insured up to Rs 50 lakh, 65% for Rs 50 lakh-1 crore, 50% above Rs 1 crore; farmer pays only the residual premium
Government-subsidised cover for crops, fruits, vegetables, fish, cattle, birds and bees against natural disasters and disease. Operating since Magh 2069 (Jan 2013).
राइडर: Transit cover for livestockAdditional disease cover
योजना विवरण
बहिष्करण: Pre-existing disease in livestock, loss due to negligence/poor husbandry, war, willful slaughter, losses outside insured perils
Aviation Insurance
उड्डयन
Covers claims arising from aircraft ownership, maintenance or use - hull damage plus passenger, public and third-party liability.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: Premium individually rated on hull value, liability limits, aircraft type and usage; large commercial risks often reinsured
Covers claims arising from aircraft ownership, maintenance or use - hull damage plus passenger, public and third-party liability.
राइडर: War, hijacking and allied perils (LSW555 type)Spares and equipment coverLoss of licenceIncreased liability limits
योजना विवरण
बहिष्करण: War and hijacking (unless extended), wear and tear, mechanical breakdown not arising from a covered peril, unlicensed operation, flight outside permitted limits
Suite covering construction and erection projects, machinery and electronic equipment: Contractor All Risk (CAR), Erection All Risk (EAR), Machinery Breakdown, Electronic Equipment Insurance and Contractor Plant & Machinery.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: CAR/EAR premium rated on full contract value (including materials, wages, freight, customs); machinery/EEI rated on replacement value of insured items
Suite covering construction and erection projects, machinery and electronic equipment: Contractor All Risk (CAR), Erection All Risk (EAR), Machinery Breakdown, Electronic Equipment Insurance and Contractor Plant & Machinery.
राइडर: Third-party liability extensionSurrounding property coverMaintenance period extensionEarthquake/flood extension
योजना विवरण
बहिष्करण: Wear and tear, normal maintenance, consequential loss, faulty design (in some sections), war and nuclear risks, gradual deterioration
Home / Householder Insurance
आगलागी / सम्पत्ति
Package property insurance for private residences combining building and contents cover plus householder liability, at lower premium rates than standard fire policies (residential use only).
बीमाङ्क
Rs 5 lakh – Rs 5 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
वार्षिक प्रिमियम: Householder tariff lower than standard fire; broadly ~Rs 0.40-1.00 per 1,000 sum insured on building+contents
Package property insurance for private residences combining building and contents cover plus householder liability, at lower premium rates than standard fire policies (residential use only).
राइडर: Burglary and theft of contentsEarthquake extensionPersonal accident for family members
योजना विवरण
बहिष्करण: Properties used for any commercial purpose, contents in open, gradual deterioration, war and nuclear risks
Property (Fire) Insurance
आगलागी / सम्पत्ति
Standard fire and allied perils cover for office/residential/factory buildings, plant, machinery and equipment. Premium rate set by NIA tariff on construction class, commodity and occupancy type.
बीमाङ्क
Rs 5 lakh – Rs 100 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.85 / 1,000
वार्षिक प्रिमियम: Rs 50,00,000 building, standard (non-hazardous) occupancy. Tariff rate ~Rs 0.85 per 1,000 sum insured (NIA fire tariff band Rs 0.5-2 per 1,000 by construction/occupancy class) -> ~Rs 4,250/yr. Derived from standard fire tariff.
Standard fire and allied perils cover for office/residential/factory buildings, plant, machinery and equipment. Premium rate set by NIA tariff on construction class, commodity and occupancy type.
बहिष्करण: Buildings under construction, goods stored in open, flood from internal water apparatus overflow or poor drainage, boiler/steam apparatus explosion, smoke from normal heating/cooling operations, war and nuclear risks
Health / Group Medical Insurance
स्वास्थ्य
Hospitalisation and medical/surgical expense cover (individual and group). Offered under the Miscellaneous portfolio covering hospitalization, medicines, consumables and diagnostics.
बीमाङ्क
Rs 25,000 – Rs 10 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 15 / 1,000
वार्षिक प्रिमियम: 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.
Hospitalisation and medical/surgical expense cover (individual and group). Offered under the Miscellaneous portfolio covering hospitalization, medicines, consumables and diagnostics.
Covers loss or damage to cargo and goods in transit by sea, inland waterway, road, rail or air between origin and destination. Uses Institute Cargo Clauses (ICC) and Inland Transit Clauses (ITC).
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: Cargo premium rated as a percentage of consignment value by route, commodity and ICC clause; typically a fraction of 1% per shipment
Covers loss or damage to cargo and goods in transit by sea, inland waterway, road, rail or air between origin and destination. Uses Institute Cargo Clauses (ICC) and Inland Transit Clauses (ITC).
राइडर: War risk extensionStrikes, riots and civil commotion (SRCC)Theft, pilferage and non-deliveryRefrigeration/temperature cover
योजना विवरण
बहिष्करण: Inherent vice, ordinary wear and tear, insufficient packing, willful misconduct of insured, delay, ordinary leakage, war/strikes unless extended
Cyber Insurance Policy
लघु
Claims-made policy helping organisations manage financial loss, legal liability and operational disruption from cyber incidents such as hacking, data breaches and system failures.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: Premium rated on revenue, data volume and selected indemnity limit; individually quoted
Claims-made policy helping organisations manage financial loss, legal liability and operational disruption from cyber incidents such as hacking, data breaches and system failures.
राइडर: Business interruption extensionCyber extortion / ransomwareRegulatory fines and penalties
योजना विवरण
बहिष्करण: Prior known incidents, war/cyber-terrorism (unless extended), bodily injury/property damage, fraudulent acts by insured, infrastructure failure outside insured's control
Portfolio of accident and liability covers: Personal Accident (PA/GPA), Burglary, Cash-in-Transit, Fidelity Guarantee, Bankers Indemnity, Public/Product/Professional Liability.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: Rs 1,00,000 sum insured, 30-year adult individual. Representative/derived from Nepali market mediclaim rates (govt NHIP benchmark ~Rs 3,500 per Rs 1,00,000 for a family; private individual adult ~Rs 4,000-6,000). Not a quoted Nepal Insuranc
Portfolio of accident and liability covers: Personal Accident (PA/GPA), Burglary, Cash-in-Transit, Fidelity Guarantee, Bankers Indemnity, Public/Product/Professional Liability.
बहिष्करण: Willful acts of insured, pre-existing conditions (PA), war/nuclear, consequential loss, dishonesty discovered after policy expiry beyond limit
Motor Insurance (Private Car / Two-Wheeler / Commercial)
मोटर
Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles. Premium is tariff-based on declared value, engine capacity (CC) and vehicle age per the NIA Motor Insurance Tariff Directive 2073.
बीमाङ्क
Rs 2 lakh – Rs 2 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 8.4 / 1,000
वार्षिक प्रिमियम: Comprehensive ~0.84-1.12% of declared vehicle value (0.84% up to Rs 20 lakh, 1.12% above) + flat service charge Rs 3,000-6,000 by CC band; EV 0.63-0.84%; +10% loading for vehicles older than 10 years; minimum own-damage premium Rs 2,000
Comprehensive and third-party motor cover for private cars, two-wheelers and commercial vehicles. Premium is tariff-based on declared value, engine capacity (CC) and vehicle age per the NIA Motor Insurance Tariff Directive 2073.
राइडर: Personal accident cover for owner-driverPassenger/occupant PA coverTowing/extra accessories coverEnhanced third-party liability
योजना विवरण
बहिष्करण: Wear and tear, mechanical/electrical breakdown, depreciation, driving without valid licence, drunk driving, use outside permitted geographical area, consequential loss, war/nuclear risks
Travel Medical Insurance (Overseas Mediclaim)
यात्रा
Covers medical expenses and emergency evacuation for individuals travelling abroad, offered under the Miscellaneous portfolio.
बीमाङ्क
Rs 65 lakh – Rs 1 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम: 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.
बहिष्करण: Pre-existing conditions, travel against medical advice, hazardous sports unless covered, claims within home country, self-inflicted injury, war/terrorism in excluded zones
About Nepal Insurance
Nepal Insurance Company Limited was founded in 1947 AD, originally as "Nepal Malchalani Tatha Beema Company," renamed "Nepal Insurance & Transport Company Ltd." in 1959 and adopting its present name in 1991. It is promoted by Nepal Bank Limited (Nepal's first commercial bank) along with the general public, with backing associated with Asian Life Insurance Co. Ltd. The company operates through 55 branches across Nepal with more than 300 trained staff. It is associated with leading global reinsurers, with Hannover Ruck (Germany) as consortium lead.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
