निर्जीवन बीमा — पोलिसी तुलना

Bundle of miscellaneous/general accident covers — burglary, money, fidelity guarantee, glass, public liability and similar.

योजना विवरण

• Burglary & housebreaking
• Money in transit and in safe
• Fidelity guarantee (employee dishonesty)
• Plate glass
• Public/product liability
• Workmen's compensation / employers' liability

Individual or group accident cover paying benefits for accidental death, disablement, medical and funeral expenses.

योजना विवरण

• Accidental death — 100% of sum insured
• Permanent total disablement — 100%; permanent partial — scaled by injury
• Temporary total disablement — weekly benefit (actual loss or 1% of SI, whichever lower)
• Medical expenses up to 10% of SI (max Rs 100,000); funeral up to 10% of SI or Rs 50,000
• Individual and group options

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.

योजना विवरण

• Affordable low-premium cover
• Small capped sum insured
• Simplified underwriting and documentation
• Cover for life/property/health risks of low-income groups
• Quick, simplified claims

General miscellaneous accident covers including burglary & housebreaking, fidelity guarantee, professional indemnity, personal accident and householder's/home package policies.

योजना विवरण

• Burglary and housebreaking (theft of property/contents)
• Fidelity guarantee (employee dishonesty / embezzlement)
• Professional indemnity (negligence liability of professionals)
• Personal accident (death, permanent/temporary disability)
• Householder's / home package combining fire, burglary and contents

Personal accident and group accident cover paying lump-sum benefits for accidental death and permanent/partial disability; offered individually, as group cover and as low-ticket micro cover.

योजना विवरण

• Accidental death lump-sum benefit
• Permanent total/partial disability benefit
• Temporary total disability weekly benefit
• Medical expense reimbursement for accidents
• Individual and group/employee schemes
• 24-hour worldwide cover

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.

योजना विवरण

• Personal Accident and Group Personal Accident (death/disability)
• Burglary and theft of business premises contents
• Cash-in-transit and bankers indemnity
• Fidelity guarantee against employee fraud/dishonesty
• Public, product and professional indemnity liability
• Annual policies covering accidental events

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.

योजना विवरण

• Micro personal/group accident cover
• Micro medical/hospitalisation
• Micro household (dwelling & contents)
• Micro-enterprise property cover
• Affordable for low-income earners

वार्षिक प्रिमियम: Rs 1,00,000 sum insured, 30-year adult individual. Derived from published Nepal non-life mediclaim rate ~1.5% of sum insured (~Rs 1,500 base) plus standard adult individual loading; aligns with NHIP benchmark of ~Rs 3,500 for Rs 1,00,000 co

Bundle of liability, accident and benefit covers: personal accident, burglary, cash, fidelity, banker's indemnity and group hospitalization.

योजना विवरण

• Personal Accident (death/disability capital sum)
• Burglary and Housebreaking
• Cash in Transit / Cash in Safe
• Fidelity Guarantee and Banker's Indemnity
• Group Hospitalization / medical benefit

वार्षिक प्रिमियम: Each sub-cover rated separately per 1,000 sum insured by risk type — generally low single-digit rates per 1,000 (e.g. burglary, money, fidelity); workmen compensation rated on wage roll.

Basket of general covers: burglary & housebreaking, money/cash-in-transit, fidelity guarantee, professional/public/product liability, bankers blanket, workmen compensation and all-risks.

योजना विवरण

• Burglary & housebreaking
• Money insurance / cash-in-transit
• Fidelity guarantee
• Public, product and professional liability
• Workmen compensation
• Bankers blanket indemnity and all-risks

वार्षिक प्रिमियम: Private car comprehensive (own damage + third-party + personal accident) on a Rs 15,00,000 vehicle, 1000-1600cc; NIA Motor Insurance Tariff 2073: ~0.87% of declared value up to Rs 20 lakh + ~Rs 4,000 service charge, plus PA/road components.

Low-cost micro-insurance products (including micro-enterprise cover) for low-income groups and small enterprises with small sums insured and affordable premiums.

योजना विवरण

• Affordable low-premium cover for low-income individuals/families
• Micro-enterprise property cover for small businesses
• Simplified documentation and quick processing
• Covers fire, accident and basic property/personal risks
• Designed to meet NIA micro-insurance directive

Low-cost crop and cattle cover targeted at low-income and smallholder farmers, supported by government, providing basic protection at affordable premiums.

योजना विवरण

• Affordable crop cover for smallholder farmers
• Cattle / livestock death cover
• Government-supported subsidised premium
• Simplified documentation and claims for low-income insureds
• Protection against natural calamity and disease

Crime/casualty covers under miscellaneous line: burglary & housebreaking, cash-in-transit, cash-in-vault/safe, bankers blanket, fidelity guarantee and householder package.

योजना विवरण

• Burglary and housebreaking of property/stock
• Cash-in-transit cover
• Cash-in-safe / cash-in-vault cover
• Bankers blanket / fidelity guarantee
• Householder comprehensive package

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.

योजना विवरण

• Cover for financial losses from cyber incidents
• Data breach and hacking response
• Legal support and liability
• Operational continuity / business interruption assistance
• Claims-made basis (claims reported during policy period)

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.

योजना विवरण

• Burglary and housebreaking of premises/stock
• Money insurance (cash in safe / in transit)
• Fidelity guarantee and banker's indemnity
• Public liability and professional indemnity
• Workmen's compensation / employer's liability
• Personal accident, student safety and baggage cover