Prabhu Insurance Limited is one of Nepal's leading non-life (general) insurance companies, offering a full range of property, motor, marine, engineering, liability and micro insurance products.
60
शाखा
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एटीएम
16
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (16)
Agriculture (Crop & Livestock) Insurance
कृषि
Government-subsidised cover for crops, livestock, poultry and fisheries against natural disasters, disease, pests and accidents, under the NIA crop & livestock directive.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 25,000/yr
प्रिमियम अवधि
Annual (with government subsidy)
वार्षिक प्रिमियम: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Government-subsidised cover for crops, livestock, poultry and fisheries against natural disasters, disease, pests and accidents, under the NIA crop & livestock directive.
योजना विवरण
बहिष्करण: Negligence in animal husbandry, pre-existing disease, war, intentional loss, losses outside insured season/area.
Aviation Insurance
उड्डयन
Hull and aviation liability cover for aircraft, including damage to the aircraft and legal liability to passengers and third parties.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Hull and aviation liability cover for aircraft, including damage to the aircraft and legal liability to passengers and third parties.
राइडर: Hull war and allied perilsCrew personal accidentLoss of licence
योजना विवरण
बहिष्करण: Wear and tear, gradual deterioration, unlicensed operation, flying outside permitted limits, war (unless extended).
Contractors' All Risk (CAR) Insurance
इन्जिनियरिङ
Project insurance for civil/construction works covering physical damage to the works plus third-party liability during the construction period.
प्रिमियम अवधि
Single (project term)
वार्षिक प्रिमियम: Rate applied to total contract/project value per NIA engineering tariff, varying with project type, duration and risk; quoted per project. Policy term matches the construction period.
Project insurance for civil/construction works covering physical damage to the works plus third-party liability during the construction period.
राइडर: Maintenance period extensionSurrounding property coverConstruction plant & equipment extension
योजना विवरण
बहिष्करण: Defective design/materials/workmanship, war, nuclear, wear and tear, consequential loss, penalties for delay.
Contractors' Plant & Machinery Insurance
इन्जिनियरिङ
Covers construction plant, machinery and equipment (excavators, cranes, etc.) against damage while at site, in use or at rest.
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual / project
वार्षिक प्रिमियम: Rate on plant/equipment value per NIA engineering tariff; annual or project basis.
Covers construction plant, machinery and equipment (excavators, cranes, etc.) against damage while at site, in use or at rest.
राइडर: Third-party liability extensionTransit between sites
Covers erection and installation of plant, machinery and equipment against physical damage and third-party liability during installation and testing.
प्रिमियम अवधि
Single (project term)
वार्षिक प्रिमियम: Rate on total erection/contract value per NIA engineering tariff, by project nature and duration; quoted per project.
Covers erection and installation of plant, machinery and equipment against physical damage and third-party liability during installation and testing.
राइडर: Maintenance cover extensionSurrounding propertyExpress freight / air freight extension
योजना विवरण
बहिष्करण: Faulty design/material, war, nuclear, wear and tear, consequential loss.
Machinery Breakdown Insurance
इन्जिनियरिङ
Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Covers sudden and unforeseen physical damage to operational machinery and plant requiring repair or replacement.
राइडर: Loss of profit following machinery breakdownSurrounding property
योजना विवरण
बहिष्करण: Wear and tear, gradual deterioration, faults existing at policy start, fire/external perils (covered under fire), consequential loss.
Burglary & Housebreaking Insurance
आगलागी / सम्पत्ति
Covers loss of property and contents due to burglary, theft and housebreaking involving forcible entry.
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Rate per Rs 1,000 of insured contents/stock value by risk and security; annual policy.
Covers loss of property and contents due to burglary, theft and housebreaking involving forcible entry.
राइडर: Riot & strike extensionMoney in safe extension
योजना विवरण
बहिष्करण: Theft without forcible entry, inside jobs by insured/family/employees, war, riot (unless extended).
House / Householder Insurance
आगलागी / सम्पत्ति
Package cover for residential dwellings and household contents against fire, natural perils and allied risks.
बीमाङ्क
Rs 1 lakh – Rs 2 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 2,774/yr
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Rate per Rs 1,000 sum insured per Property Tariff 2076, by construction and occupancy; annual policy.
Package cover for residential dwellings and household contents against fire, natural perils and allied risks.
राइडर: Burglary & housebreakingAll-risk for valuablesPersonal accident for occupants
योजना विवरण
बहिष्करण: War, nuclear, wear and tear, willful damage, money/valuables unless specified.
Property / Fire Insurance (Standard Fire & Allied Perils)
आगलागी / सम्पत्ति
Covers buildings, factories, hydropower projects, plant & machinery, stocks, household articles and merchandise against fire and a wide range of allied natural and man-made perils. Rated on Nepal Property/Fire Tariff 2076.
बीमाङ्क
Rs 1 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 11,038/yr
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Rs 50,00,000 standard residential building, standard occupancy. Property/Fire Tariff 2076 base rate ~Rs 0.75 per 1,000 sum insured -> ~Rs 3,750/yr (rate band 0.5-1.0 per 1,000). Uniform tariff.
Covers buildings, factories, hydropower projects, plant & machinery, stocks, household articles and merchandise against fire and a wide range of allied natural and man-made perils. Rated on Nepal Property/Fire Tariff 2076.
राइडर: Riot, strike, malicious damage (RSMD)Earthquake extension (where not built-in)Burglary & housebreaking add-onLoss of rent / consequential loss
योजना विवरण
बहिष्करण: War and nuclear perils, wear and tear, gradual deterioration, consequential loss, spontaneous loss without fire, willful negligence.
Group Medical Insurance
स्वास्थ्य
Group hospitalization and medical-expense cover for organizations and their employees, covering inpatient and outpatient treatment, diagnostics, surgery and emergency care.
बीमाङ्क
Rs 1 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: 30-day worldwide (incl. Schengen-grade medical cover) adult trip. Rate-card based; representative ~Rs 1,800-2,500 per 30-day trip.
Group hospitalization and medical-expense cover for organizations and their employees, covering inpatient and outpatient treatment, diagnostics, surgery and emergency care.
Covers loss of or damage to goods in transit by sea, air, rail or road between origin and destination, under Institute Cargo Clauses.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Per shipment / annual open cover
वार्षिक प्रिमियम: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Covers loss of or damage to goods in transit by sea, air, rail or road between origin and destination, under Institute Cargo Clauses.
राइडर: War risk extensionStrikes, riots and civil commotion (SRCC)Malicious act cover per institute clauses
योजना विवरण
बहिष्करण: Inherent vice, insufficient packing, ordinary leakage/wear, delay, war and strikes unless extended.
Micro Insurance
लघु
Low-cost insurance products for low-income individuals and small businesses, with simplified terms and small sums insured, in line with NIA micro-insurance directives.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Annual
वार्षिक प्रिमियम: Marine cargo, Rs 10,00,000 sum insured. Tariff-derived representative rate ~Rs 0.75 per 1,000 -> ~Rs 750 per consignment (per-voyage, not strictly annual). Rate varies by route/commodity.
Low-cost insurance products for low-income individuals and small businesses, with simplified terms and small sums insured, in line with NIA micro-insurance directives.
Comprehensive own-damage plus third-party cover, or compulsory standalone third-party liability, for private cars, motorcycles and commercial vehicles. Priced on NIA Motor Tariff 2073.
बीमाङ्क
Rs 1 lakh – Rs 2 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 30,841/yr
प्रिमियम अवधि
Annual (single year policy)
वार्षिक प्रिमियम: Private car comprehensive on Rs 15,00,000 vehicle, 1000-1600cc: NIA Motor Tariff 2073 own-damage rate 0.87% x Rs 15,00,000 = Rs 13,050 + Rs 4,000 fixed service charge = Rs 17,050. Excludes RSMDST, NCB 15-50%, ~10% direct discount, 10% loadi
Comprehensive own-damage plus third-party cover, or compulsory standalone third-party liability, for private cars, motorcycles and commercial vehicles. Priced on NIA Motor Tariff 2073.
राइडर: Personal accident cover for driver/passengersVoluntary excess optionsExtended geographical/transit cover
योजना विवरण
बहिष्करण: Wear and tear, depreciation, consequential loss, driving without valid licence, use outside geographical/permitted limits, war and nuclear risks, intoxicated driving.
Travel / Overseas Medical Insurance
यात्रा
Travel medical and inconvenience cover for Nepalese citizens travelling abroad, including Schengen-visa compliant cover, sold per trip via the digital portal.
बीमाङ्क
Rs 66.5 lakh – Rs 1.33 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single (per trip)
वार्षिक प्रिमियम: 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.
बहिष्करण: Pre-existing illness, travel against medical advice, hazardous sports unless extended, self-inflicted injury, travel to excluded/sanctioned countries.
Trekking and Mountaineering Insurance
यात्रा
Specialist personal accident and emergency cover for trekkers and mountaineers, including high-altitude rescue/evacuation.
बीमाङ्क
Rs 5 lakh – Rs 50 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single (per trip/expedition)
वार्षिक प्रिमियम: 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.
Prabhu Insurance Limited was established in 2053 B.S. (1996) by leading industrial and business houses of Nepal and is a publicly listed non-life insurer (NEPSE symbol PRIN). Its major shareholders include the Prabhu Group and the Employees' Provident Fund, and it operates with a paid-up capital exceeding Rs. 1.70 billion. The company serves customers through a network of around 60 branches and sub-branches across Nepal. It is headquartered at Tinkune, Kathmandu, and is led by Chairman Rajendra Malla and CEO Sanchit Bajracharya.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
