Insurance
Health, life, vehicle insurance, claim mechanics, agent misselling, and the digital-payment frauds that drain accounts faster than any insurer can.
- 9 min read
How to claim a life insurance payout after a death in Nepal
How to claim a life insurance death benefit in Nepal: the documents, the settlement timeline, the nominee law under Act 2079, and why claims get rejected.
GuideNepalInsuranceLife InsuranceClaimsPersonal FinanceRead post - 10 min read
The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained
Nepal's government Health Insurance Program covers a family of five for Rs 3,500/year up to Rs 1 lakh. How to enroll, what it pays, and the 2026 funding crisis.
GuideNepalInsuranceHealthHIBPersonal FinanceRead post - 9 min read
How to surrender a life insurance policy in Nepal, and what you lose
Surrender value in Nepal starts only after 3 years, and the first two years' premiums largely funded agent commission. The full math on GSV, tax, and your three exits.
GuideNepalInsuranceLife InsuranceEndowmentRead post - 11 min read
QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily
Fake-screenshot, sticker-overlay, and OTP-refund are the three QR scams running across Kathmandu. The Cyber Bureau logged 217 wallet cases this year. Here is how each works and how to stop them.
GuideNepalFraudFonepayDigital PaymentsCyber CrimeRead post - 11 min read
Vehicle Insurance in Nepal: Third-Party vs Comprehensive, and What Claims Actually Pay
Real third-party premiums, comprehensive math, claim payout ratios from 2024 floods and the Gen Z protests, and what your policy quietly excludes.
GuideNepalInsuranceVehicleBeemaRead post - 12 min read
Health insurance claim process in Nepal: what hospitals actually pay vs reject
How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.
GuideNepalInsuranceHealthClaimsPersonal FinanceRead post - 10 min read
Insurance agent misselling in Nepal: 5 questions to ask before you sign
Why Nepali agents push endowment over term, and the 5 questions about commission, surrender value, and real return that surface every misselling tactic before you sign.
GuideNepalInsuranceConsumer ProtectionRead post - 15 min read
Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers
What an ICU bed, a surgery, and a cardiac procedure actually cost across Bir, Patan, and private hospitals in Nepal — and where National Health Insurance, private cover, and the government subsidy funds leave a gap your family pays.
GuideNepalHealth InsuranceHospitalEmergencyNHIPBir HospitalPatan HospitalCostRead post - 14 min read
Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)
What pure-term life insurance actually costs in Nepal at age 30, the eight insurers who sell it, why ‘return-of-premium’ plans are 1.5–3× more expensive, and how to pick honestly.
GuideNepalInsuranceTerm InsuranceLife InsurancePersonal FinanceRead post - 12 min read
Health and life insurance basics in Nepal: term, endowment, and what your agent won't volunteer
Term vs endowment, NHIP, private health cover, and the Rs 40,000 tax deduction — what to buy first in Nepal and what to skip.
GuideNepalInsuranceLife InsuranceHealth InsuranceTaxRead post