Rastriya Beema Company Limited (RBCL) is the only fully Government of Nepal-owned non-life (general) insurance company, offering motor, property, marine, engineering, aviation, agriculture, health, travel and micro insurance.
18
शाखा
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एटीएम
9
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (9)
Agriculture & Livestock Insurance
कृषि
Covers crop and livestock losses from natural causes for farmers, with heavy government premium subsidy. Designed to mitigate financial risk to the agriculture sector.
बीमाङ्क
Rs 10,000 – Rs 1 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 10,000/yr
प्रिमियम अवधि
Single annual premium (subsidised)
वार्षिक प्रिमियम: Gross 5 pct of SI (Rs 50 per thousand); on Rs 10,00,000 SI gross Rs 50,000 with 80 pct govt subsidy farmer pays Rs 10,000/yr.
Covers crop and livestock losses from natural causes for farmers, with heavy government premium subsidy. Designed to mitigate financial risk to the agriculture sector.
राइडर: Disease epidemic extensionTransit cover for livestock
योजना विवरण
बहिष्करण: Death/loss due to insured's negligence or wilful act; pre-existing disease at inception; epidemic exclusions per policy terms; loss without proper identification (ear-tagging) of livestock.
Aviation Insurance
उड्डयन
Covers aeroplanes and helicopters against hull damage and liabilities, including passenger, crew, cargo and third-party legal liability.
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Single annual premium
वार्षिक प्रिमियम: Tariff-derived estimate at ~Rs 0.75 per 1,000 sum insured on Rs 10,00,000 = Rs 750 (per-voyage/consignment, marine cargo rate band typically 0.5-1.0 per 1,000).
Covers aeroplanes and helicopters against hull damage and liabilities, including passenger, crew, cargo and third-party legal liability.
राइडर: War & allied perils (aviation hull war)Hull deductible coverAviation personal accident
योजना विवरण
बहिष्करण: War, hijacking and allied perils (unless separately covered); wear and tear; unlicensed pilots; flight outside permitted geographical limits; nuclear risks.
Protects construction and erection projects, plant, machinery and electronic equipment from feasibility/construction through commissioning and operation. Includes Contractor's All Risk (CAR), Erection All Risk (EAR), Plant & Machinery and Electronic Equipment insurance.
बीमाङ्क
Rs 10 lakh – Rs 500 crore
पोलिसी अवधि
1–5 yrs
वार्षिक प्रिमियम
Rs 1 / 1,000
प्रिमियम अवधि
Single premium for project period
वार्षिक प्रिमियम: Tariff-derived estimate at ~Rs 1.0 per 1,000 sum insured on Rs 10,00,000 = Rs 1,000/yr (engineering/CAR-EAR rate band typically 0.5-1.5 per 1,000 by project type).
Protects construction and erection projects, plant, machinery and electronic equipment from feasibility/construction through commissioning and operation. Includes Contractor's All Risk (CAR), Erection All Risk (EAR), Plant & Machinery and Electronic Equipment insurance.
बहिष्करण: Faulty design and defective material/workmanship (loss to defective items); normal wear and tear; consequential loss; war and nuclear risks; loss discovered only at inventory; penalties for delay.
Fire & Property Insurance
आगलागी / सम्पत्ति
Covers buildings (residential, office, factory, warehouse), plant, machinery, equipment, stock and household contents against fire, lightning, earthquake and allied perils. Standard Fire & Special Perils policy with optional extensions.
बीमाङ्क
Rs 5 lakh – Rs 100 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Single annual premium
वार्षिक प्रिमियम: Rs 50,00,000 standard RCC residential dwelling; approximate Nepal Property Tariff 2076 basic fire rate about Rs 0.75 per thousand = about Rs 3,750/yr before earthquake/flood add-ons. APPROXIMATE.
Covers buildings (residential, office, factory, warehouse), plant, machinery, equipment, stock and household contents against fire, lightning, earthquake and allied perils. Standard Fire & Special Perils policy with optional extensions.
राइडर: Earthquake (shock) coverRiot, Strike, Malicious Damage & TerrorismFlood/storm/cycloneBurglary & housebreakingLoss of rent / business interruption
योजना विवरण
बहिष्करण: Buildings under construction; goods stored in open; flood from overflowing water apparatus or poor drainage; explosion of boilers/steam pipes/pressure apparatus; war, nuclear and consequential loss; spontaneous combustion unless extended.
Medical Aid (Health) Insurance
स्वास्थ्य
Provides reimbursement of medical, hospitalisation and surgical expenses arising from illness or accident.
बीमाङ्क
Rs 1 lakh – Rs 50 lakh
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single annual premium
वार्षिक प्रिमियम: Rs 1,00,000 sum insured, individual adult about age 30; about Rs 3,500/yr market reference. APPROXIMATE; RBCL has no published rate table.
Provides reimbursement of medical, hospitalisation and surgical expenses arising from illness or accident.
बहिष्करण: Pre-existing diseases (waiting period); cosmetic/elective procedures; self-inflicted injury; war and nuclear; treatment outside policy terms.
Marine Insurance (Cargo / Hull / Transit)
समुद्री
Covers loss or damage to ships (hull), cargo and goods in transit by sea, air or land during import/export and domestic carriage. Available on basic-cover or all-risk (Institute Cargo Clauses) basis.
बीमाङ्क
Rs 1 lakh – Rs 50 crore
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 2 / 1,000
प्रिमियम अवधि
Per voyage / annual open cover
वार्षिक प्रिमियम: Per-shipment cargo on Rs 10,00,000 sum insured; tariff business, representative All-Risk about 0.2 pct (Rs 2 per thousand) = about Rs 2,000. APPROXIMATE range 0.1-0.5 pct.
Covers loss or damage to ships (hull), cargo and goods in transit by sea, air or land during import/export and domestic carriage. Available on basic-cover or all-risk (Institute Cargo Clauses) basis.
राइडर: Institute War ClausesInstitute Strikes ClausesInland transit extensionWarehouse-to-warehouse cover
योजना विवरण
बहिष्करण: Inherent vice and ordinary leakage/wear; insufficient/unsuitable packing; wilful misconduct of insured; delay; war and strikes unless specifically covered; ordinary loss in weight/volume.
Micro-Insurance (Crop & Cattle for low-income farmers)
लघु
Low-cost crop and cattle cover targeted at low-income and smallholder farmers, supported by government, providing basic protection at affordable premiums.
बीमाङ्क
Rs 5,000 – Rs 5 lakh
पोलिसी अवधि
1 yrs
वार्षिक प्रिमियम
Rs 0.75 / 1,000
प्रिमियम अवधि
Single annual premium (subsidised)
वार्षिक प्रिमियम: Tariff-derived estimate at ~Rs 0.75 per 1,000 sum insured on Rs 10,00,000 = Rs 750 (per-voyage/consignment, marine cargo rate band typically 0.5-1.0 per 1,000).
Low-cost crop and cattle cover targeted at low-income and smallholder farmers, supported by government, providing basic protection at affordable premiums.
योजना विवरण
बहिष्करण: Negligence/wilful loss; pre-existing disease; losses beyond defined small sum-insured caps.
Motor Insurance (Motorcycle / Private / Commercial Vehicle)
मोटर
Compensation for loss or damage to the insured vehicle due to accident, plus mandatory third-party liability for death/injury and property damage. Issued in three classes: motorcycle, private (four-wheeler), and commercial vehicle. Available as Third-Party-only (compulsory by law) or Comprehensive (own damage + third party).
बीमाङ्क
Rs 1 lakh – Rs 1 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single annual premium
वार्षिक प्रिमियम: Tariff-based (NIA Motor Tariff Directive 2073). THIRD-PARTY (post-2024 revised): motorcycle up to 150cc Rs 1,707, 151-250cc Rs 1,933, 251cc+ Rs 2,159; private car up to 1000cc Rs 7,356, 1001-1600cc Rs 8,487, 1601cc+ Rs 10,747 (minimum motorcycle TP fee ~R
Compensation for loss or damage to the insured vehicle due to accident, plus mandatory third-party liability for death/injury and property damage. Issued in three classes: motorcycle, private (four-wheeler), and commercial vehicle. Available as Third-Party-only (compulsory by law) or Comprehensive (own damage + third party).
राइडर: Riot, Strike, Malicious Damage & Terrorism (RSMDST)Personal Accident cover for driver/ownerPassenger / occupant coverTowing and additional accessories cover
योजना विवरण
बहिष्करण: War and nuclear risks; driving without valid licence; under influence of alcohol/drugs; consequential loss and normal wear/depreciation; mechanical/electrical breakdown; use outside permitted geographical area or contrary to vehicle limitations.
Travel Medical Insurance
यात्रा
Compensates for medical, hospital and surgical expenses incurred due to illness or accident during foreign travel; claims can be settled directly abroad through a claim-assistance/medical service provider.
बीमाङ्क
Rs 65 lakh – Rs 1.3 crore
पोलिसी अवधि
1 yrs
प्रिमियम अवधि
Single per-trip premium
वार्षिक प्रिमियम: Rs 1,00,000 sum insured, individual adult about age 30; about Rs 3,500/yr market reference. APPROXIMATE; RBCL has no published rate table.
Compensates for medical, hospital and surgical expenses incurred due to illness or accident during foreign travel; claims can be settled directly abroad through a claim-assistance/medical service provider.
बहिष्करण: Pre-existing conditions; high-risk/adventure sports unless extended; travel against medical advice; war and nuclear risks; non-medical losses unless added.
About Rastriya Beema
RBCL traces its origin to Rastriya Beema Sansthan, established on Poush 1, 2024 BS (1967) with Government of Nepal investment, which began non-life insurance business shortly after. Following the Insurance Act 2049 BS, the non-life business was reorganized into Rastriya Beema Company Limited, incorporated on Jestha 28, 2071 BS (May 2014), which obtained its non-life insurer license on Asar 27, 2071 BS and began operating from Sarawan 18, 2071 BS. It is the only non-life insurer wholly owned by the Government of Nepal and carries over 55 years of experience serving government ministries, public institutions, private businesses and the general public. Its head office is at RBCL Building, Ramshahpath, Kathmandu, with a branch network spanning all seven provinces of Nepal.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
