NLG Insurance Company Ltd. is a Nepali non-life (general) insurance company offering motor, property, engineering, marine, aviation, agriculture, micro and miscellaneous insurance with a nationwide branch network.
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शाखा
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एटीएम
11
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (11)
Agriculture Insurance Policy
कृषि
Crop and livestock insurance (livestock, poultry, fish, paddy, vegetables, fruits) against fire, natural disasters, pests, disease and accidents; first policy issued 2013.
बीमाङ्क
Rs 10,000 – Rs 50 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 25,000/yr
प्रिमियम अवधि
Annual (1-year policy); 80% govt-subsidised
वार्षिक प्रिमियम: Premium typically ~5% of sum insured, of which the Government of Nepal subsidises 80% — so the farmer effectively pays only ~1% of the insured value (about 20% of the gross premium).
Crop and livestock insurance (livestock, poultry, fish, paddy, vegetables, fruits) against fire, natural disasters, pests, disease and accidents; first policy issued 2013.
राइडर: Transit cover for livestockTheft extension
योजना विवरण
बहिष्करण: Pre-existing disease without inspection, willful neglect, war, theft of animals (unless covered), losses outside policy area, non-vaccinated livestock.
Aviation Insurance Policy
उड्डयन
Aircraft hull and aviation liability cover including passenger and third-party liability for the loss of aircraft and resulting financial damage.
बीमाङ्क
Rs 1 crore – Rs 500 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Bespoke/reinsurance-driven premium based on hull value, aircraft type, usage and liability limits; not a fixed tariff. Quoted case by case.
Aircraft hull and aviation liability cover including passenger and third-party liability for the loss of aircraft and resulting financial damage.
राइडर: War, hijack & allied perilsCargo legal liabilityLoss of use
Covers plant, machinery and projects against sudden accidental physical loss/damage beyond fire cover; includes Contractors' All Risk and machinery breakdown.
बीमाङ्क
Rs 10 lakh – Rs 100 crore
पोलिसी अवधि
1–5 yrs
वार्षिक प्रिमियम
Rs 2.5 / 1,000
प्रिमियम अवधि
Single premium for project term / annual
वार्षिक प्रिमियम: Tariff-rated per mille on project/machinery value by risk type (CAR/EAR/machinery breakdown), broadly ~Rs 1-5 per 1,000 sum insured depending on project nature and term.
Covers plant, machinery and projects against sudden accidental physical loss/damage beyond fire cover; includes Contractors' All Risk and machinery breakdown.
राइडर: Third-party liabilityMaintenance period coverSurrounding propertyEscalation clause
योजना विवरण
बहिष्करण: Wear & tear, gradual deterioration, faulty design (sometimes), consequential loss, war and nuclear risk, willful negligence, normal maintenance.
Home Insurance
आगलागी / सम्पत्ति
Householder/home package for residential buildings, apartments, temples and meditation places with contents, covering fire and allied perils up to Rs 2 crore.
बीमाङ्क
Rs 5 lakh – Rs 2 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Tariff per-mille on dwelling + contents, broadly ~Rs 0.50-1.00 per 1,000 sum insured for the dwelling; government allows up to Rs 10,000 tax deduction on residential building insurance premium.
Householder/home package for residential buildings, apartments, temples and meditation places with contents, covering fire and allied perils up to Rs 2 crore.
राइडर: EarthquakeBurglary of household contentsAll-risk for valuables
Property Insurance (Standard Fire & Allied Perils)
आगलागी / सम्पत्ति
Standard property/fire policy covering buildings, machinery, furniture, stock and computers against fire and allied perils; rated per the Nepal Property Insurance Tariff 2076 by class of construction, occupancy and commodity.
बीमाङ्क
Rs 5 lakh – Rs 100 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Nepal Property Insurance Tariff 2076: ordinary residential/dwelling standard occupancy, ~Rs 0.75 per thousand on Rs 50,00,000 sum insured = ~Rs 3,750/yr base (excl. VAT). Industry-uniform tariff; rate varies Rs 0.5-2/thousand by occupancy/c
Standard property/fire policy covering buildings, machinery, furniture, stock and computers against fire and allied perils; rated per the Nepal Property Insurance Tariff 2076 by class of construction, occupancy and commodity.
बहिष्करण: War, nuclear perils, spontaneous combustion, wear & tear, consequential loss, willful negligence, electrical/mechanical breakdown of machinery (covered under engineering policy).
Medical Insurance (Health)
स्वास्थ्य
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.
बीमाङ्क
Rs 1 lakh – Rs 20 lakh
पोलिसी अवधि
1 yrs
प्रवेश उमेर
0–65 yrs
वार्षिक प्रिमियम
Rs 15 / 1,000
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Health premium is rated as a percentage of sum insured (around ~1.5% of SI for basic hospitalisation cover), rising with age and sum insured; e.g. Rs 1 lakh cover costs a few thousand rupees per year.
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.
राइडर: OPD coverCritical illnessAccidental death & disability
Covers cargo in marine, inland and air transit (ICC, ITC, ICC Air) against transit perils until safe arrival; in force since 2062 BS.
बीमाङ्क
Rs 1 lakh – Rs 50 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 8.7 / 1,000
प्रिमियम अवधि
Per voyage / single premium
वार्षिक प्रिमियम: NIA Motor Insurance Tariff 2073: 1000-1600cc private car, comprehensive, declared value Rs 15,00,000. 0.87% x 1,500,000 = Rs 13,050 + Rs 4,000 service charge = Rs 17,050 (base, excl. 13% VAT; ~Rs 19,300 incl. VAT). Tariff is industry-unifor
Covers cargo in marine, inland and air transit (ICC, ITC, ICC Air) against transit perils until safe arrival; in force since 2062 BS.
राइडर: Institute War ClausesInstitute Strikes ClausesTheft/pilferage/non-delivery extension
योजना विवरण
बहिष्करण: Ordinary wear & tear, inherent vice, insufficient packing, delay, war and strikes (unless add-on), willful misconduct of insured.
Micro Insurance Policy
लघु
Low-cost insurance for low-income households across personal/group accident, medical, household and micro-enterprise property.
बीमाङ्क
Rs 5,000 – Rs 5 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Designed for very low premiums affordable to small-income households (regulator-capped micro tariffs, typically a few hundred to low-thousand rupees per year per cover).
Low-cost insurance for low-income households across personal/group accident, medical, household and micro-enterprise property.
राइडर: Group extensionFamily floater
योजना विवरण
बहिष्करण: Standard accident/property exclusions, pre-existing conditions, war, willful damage, losses above micro sum-insured caps.
Bundle of miscellaneous accident covers: burglary/housebreaking, money/cash-in-transit, fidelity guarantee, banker's indemnity, public & professional liability, workmen's compensation, student safety, baggage and personal accident.
बीमाङ्क
Rs 25,000 – Rs 10 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 2.5 / 1,000
प्रिमियम अवधि
Annual (1-year policy)
वार्षिक प्रिमियम: Each sub-cover separately rated per mille on sum insured / wage roll / liability limit; broadly ~Rs 1-5 per 1,000 for burglary/money, with workmen's comp rated on annual wages.
Bundle of miscellaneous accident covers: burglary/housebreaking, money/cash-in-transit, fidelity guarantee, banker's indemnity, public & professional liability, workmen's compensation, student safety, baggage and personal accident.
राइडर: Cash-in-transit extensionWider liability limitGroup personal accident
योजना विवरण
बहिष्करण: Inside-job dishonesty unless under fidelity, war, nuclear, willful acts, unattended money, liabilities outside policy scope.
Motor Insurance Policy
मोटर
Comprehensive and third-party motor cover for motorcycles, private vehicles and commercial vehicles; priced per the NIA Motor Insurance Tariff Directive 2073 based on vehicle value, engine CC and age.
बीमाङ्क
Rs 1 lakh – Rs 5 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 17,050/yr
प्रिमियम अवधि
Annual (single premium, 1-year policy)
वार्षिक प्रिमियम: Private car comprehensive, declared value Rs 15,00,000, 1001-1600cc band; NIA Motor Tariff 2073 own-damage = 0.87% of value (Rs 13,050) + Rs 4,000 service charge. Excludes optional add-ons (flood/earthquake/strike) and pre-agent 10% direct-
Comprehensive and third-party motor cover for motorcycles, private vehicles and commercial vehicles; priced per the NIA Motor Insurance Tariff Directive 2073 based on vehicle value, engine CC and age.
राइडर: Personal accident cover for passengersExtended PA for driver/ownerEnhanced third-party liability limit
योजना विवरण
बहिष्करण: Driving without valid licence, drunk driving, wear & tear/depreciation, mechanical/electrical breakdown, use outside permitted geography, war and nuclear risks, consequential loss.
Travel Medical Insurance
यात्रा
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.
बीमाङ्क
Rs 65 lakh – Rs 1 crore
पोलिसी अवधि
1 yrs
प्रवेश उमेर
0–70 yrs
प्रिमियम अवधि
Single premium per trip
वार्षिक प्रिमियम: 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.
राइडर: Adventure sports coverHigher medical limitTrip cancellation add-on
योजना विवरण
बहिष्करण: Pre-existing conditions, travel against medical advice, extreme/adventure sports unless covered, war zones, travel undertaken for treatment, self-inflicted injury.
About NLG
NLG traces its roots to National Life and General Insurance, incorporated in 1988; under the Insurance Act requirement to separate life and general business, its general insurance operations were carved out into a new company, NLG Insurance Company Ltd., incorporated in 2005. The company is ISO 9001:2015 certified and holds an ICRA Nepal issuer rating of [ICRANP-IR] A- (reaffirmed November 2024). It operates through around 80 branches across Nepal from its head office in Lazimpat, Kathmandu, with a paid-up capital reported at over Rs. 250 crore.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
