निर्जीवन बीमा — पोलिसी तुलना

Package cover for residential dwellings and household contents against fire, natural perils and allied risks.

योजना विवरण

• Fire, lightning and explosion to dwelling
• Earthquake, flood, landslide, storm
• Household contents and articles
• Optional burglary and housebreaking
• Allied perils per standard fire policy

Covers buildings, plant, machinery, stock and contents against fire, lightning and allied perils. Rate set by NIA fire tariff based on occupancy and construction class.

योजना विवरण

• Fire and lightning
• Explosion / implosion
• Riot, strike & malicious damage
• Aircraft and vehicle impact
• Flood, storm, cyclone & inundation (allied perils)
• Earthquake and tsunami (add-on)

Fire and special-perils cover for residential, commercial and industrial property, priced on the NIA Nepal Property Insurance Tariff 2076 by occupancy, construction class and commodity.

योजना विवरण

• Fire and direct lightning strike
• Explosion and implosion
• Storm, typhoon, cyclone (air perils)
• Rainfall, flood, inundation, overflow/bursting/leakage of water
• Earthquake cover
• Debris removal up to 10% of loss or Rs 1,000,000; personal accident for residential buildings

Standard fire and allied perils cover for buildings, plant, machinery and stock, rated under the Nepal Property Insurance Tariff 2076 by class of construction, commodity and occupancy.

योजना विवरण

• Fire, lightning and accidental fire damage
• Explosion / implosion
• Earthquake (fire and shock) as add-on
• Flood, storm, tempest and inundation (STFI)
• Riot, strike, malicious damage
• Impact damage, aircraft/vehicle impact, theft/burglary extension

Covers buildings, plant, machinery, stock and household contents against fire, lightning, earthquake and a menu of allied/special perils, priced under the Nepal Property Insurance Tariff 2076 by construction class, commodity and occupancy.

योजना विवरण

• Fire, lightning and explosion
• Earthquake fire and earthquake shock (allied peril)
• Flood, typhoon, cyclone and windstorm (allied peril)
• Riot, strike, malicious damage and impact damage
• Aircraft and vehicle impact, smoke damage
• Covers buildings, plant & machinery, stock and household goods

Standard fire and special-perils property cover for dwellings, shops, offices, factories and stock against fire, lightning, explosion, natural disasters and allied perils. Rated per NIA property tariff by construction class, occupancy and commodity.

योजना विवरण

• Fire, lightning and explosion damage
• Earthquake, flood, landslide and storm damage
• Riot, strike and malicious damage
• Damage to building, contents and stock
• Loss of profit / business interruption add-on available

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.

योजना विवरण

• Accidental fire and lightning damage
• Earthquake (fire and shock) cover
• Flood, typhoon, cyclone and windstorm
• Explosion, aircraft/vehicle impact and smoke damage
• Riot, strike, malicious damage and tsunami
• Covers buildings, plant & machinery, stock and equipment

Standard fire and allied-perils property policy (code PROP, first issued 1996) covering buildings, stocks, factories, machinery, hotels, schools and warehouses up to an agreed sum insured.

योजना विवरण

• Fire and lightning
• Explosion / implosion
• Storm, tempest, flood, inundation, hurricane, cyclone
• Riot, strike and malicious damage
• Subsidence, landslide and rockslide
• Aircraft damage and earthquake (extension)

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.

योजना विवरण

• Fire and lightning damage to building, machinery, stock and contents
• Earthquake cover (add-on)
• Riot, strike and malicious damage
• Terrorism cover
• Covers furniture, fixtures, computers and ancillary equipment

Standard fire and allied perils property cover for homes, shops, factories, warehouses and commercial buildings under the Nepal Property Insurance Tariff 2076; marketed as 'Sampati Bima'.

योजना विवरण

• Fire and lightning damage to building, plant, stock and contents
• Explosion / implosion
• Storm, tempest, flood and water damage
• Earthquake and subsidence (as covered/add-on)
• Riot, strike, malicious damage and terrorism (add-on)

Covers buildings, contents, stock and machinery against fire and allied perils; rated per Nepal Property Insurance Tariff 2076 by construction class, occupancy and commodity type.

योजना विवरण

• Fire, lightning and explosion
• Earthquake, storm, flood, landslide
• Aircraft and impact damage
• Theft / burglary extension
• Riot, strike, malicious damage and terrorism extension

Property/fire insurance covering buildings, plant, machinery, stock and contents against fire, lightning and allied perils; earthquake/flood/explosion available by endorsement.

योजना विवरण

• Fire and lightning damage to building, plant, machinery and stock
• Add-on perils: earthquake, flood, storm, explosion via endorsement
• Covers residential, office, factory buildings and equipment
• Industrial All Risk (IAR) option for large/industrial risks
• Household/contents cover option
• Business interruption / loss of profit add-on

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.

योजना विवरण

• Fire and lightning damage to building/contents
• Earthquake (fire and shock) cover
• Flood, storm, typhoon, cyclone and inundation
• Explosion / implosion and aircraft/vehicle impact damage
• Riot, strike, malicious damage and tsunami extensions
• Smoke and bursting/overflowing of water tanks/pipes

Standard fire and allied perils policy covering residential and commercial buildings (godowns, factories, shops, hotels, schools) and contents (furniture, fixtures, machinery, stock). A Loss of Profit (Business Interruption) cover is available for gross revenue/profit loss and increased cost of working during disruption.

योजना विवरण

• Fire, lightning and explosion/implosion
• Earthquake (fire and shock)
• Aircraft and aerial-device damage
• Riot, strike and malicious damage
• Storm, tempest, flood, inundation, hurricane, cyclone
• Subsidence and landslide including rockslide

Householder package covering the residential building and contents against fire and allied perils plus add-ons.

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.

योजना विवरण

• Fire, lightning, explosion/implosion and self-combustion
• Earthquake, storm, typhoon, hurricane, flood, inundation
• Landslide, subsidence, rockslide
• Water damage, snow, frost, rainfall, hailstorm
• Impact damage and aerial/missile-testing damage
• Add-on cover for architect/surveyor fees and debris removal

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).

योजना विवरण

• Dwelling/building cover against fire and allied perils
• Household contents protection
• Personal liability for accidents at the residence
• Earthquake and natural calamity extensions available
• Designed for residential-only occupancy with lower tariff rate

Package home insurance covering the dwelling building and household contents against fire and allied perils, with optional burglary and personal accident sections.

योजना विवरण

• Dwelling building against fire, lightning, explosion
• Household contents and furniture
• Earthquake and natural calamity extension
• Burglary and housebreaking of contents
• Riot, strike, malicious damage
• Optional personal accident for family

Householder/home package for residential buildings, apartments, temples and meditation places with contents, covering fire and allied perils up to Rs 2 crore.

योजना विवरण

• Residential building and apartment structure cover up to Rs 2 crore
• Household contents and furniture
• Fire, lightning and earthquake perils
• Riot, strike and malicious damage
• Optional burglary of contents

वार्षिक प्रिमियम: Tariff/risk-rated by sum insured, nature of property and security arrangements; rate not published. Typically a small per-thousand rate on the sum insured.

Burglary and housebreaking insurance covering loss of or damage to property (stock, contents, valuables) following forcible and violent entry/exit, plus damage to premises during the attempt.

योजना विवरण

• Loss of property by burglary/housebreaking with forcible entry
• Theft following violent and forcible entry/exit
• Damage to insured property during burglary
• Damage to premises caused by burglars
• Cover for stock, contents and valuables

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.

वार्षिक प्रिमियम: Rated on annual cash carryings/estimated transit turnover and single-transit limit; tariff not published. Premium typically a percentage rate applied to annual estimated money in transit.

Money insurance covering loss of cash in transit between premises and bank, money on premises during business hours, and money in locked safes/strong rooms outside business hours, plus damage to safes from theft attempts.

योजना विवरण

• Theft of cash in transit between premises and bank
• Theft of money on premises during business hours
• Money in locked safes/strong rooms outside business hours
• Loss of money in custody of an authorised employee
• Loss of or damage to safes/strong rooms during theft or attempt