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Insurance

Health, life, vehicle insurance, claim mechanics, agent misselling, and the digital-payment frauds that drain accounts faster than any insurer can.

  • 7 min read

    Is your life insurance maturity payout taxable in Nepal?

    Nepal taxes only the profit over premiums paid on a life insurance maturity payout, at a 5% final TDS, not the payout itself. The exact mechanism, worked through.

    GuideNepalInsuranceLife InsuranceTax
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  • 9 min read

    Daraz, COD, and online shopping rights in Nepal: what protection you actually have

    Nepal passed a real E-Commerce Act in 2025. What it actually guarantees on Daraz, COD parcels, and wallet payments, and where the law still leaves you exposed.

    GuideNepalDigital MoneyConsumer ProtectionE-commerceScams
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  • 9 min read

    What insurance actually covers a Pathao or inDrive rider hurt on the job

    Compulsory third-party insurance in Nepal doesn't cover a rider's own injury. Here's what actually pays out when a Pathao or inDrive driver crashes.

    GuideNepalInsuranceGig EconomyPathaoinDrive
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  • 11 min read

    Group health insurance from your employer vs buying your own policy in Nepal

    Nepal's Labour Act obliges your employer to cover just Rs 1 lakh in medical costs, and it vanishes the day you resign. Here's what that gap actually costs.

    GuideNepalInsuranceHealthEmploymentPersonal Finance
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  • 11 min read

    Monsoon floods and your vehicle: what insurance actually pays for a drowned engine

    Flood is a covered peril in Nepali comprehensive motor insurance; third-party pays zero. The Rs 12.88 billion 2024 claims record, and the mistake that voids payout.

    GuideNepalInsuranceVehicleMonsoonBeema
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  • 8 min read

    Foreign employment insurance in Nepal: the cover every migrant worker pays for

    The mandatory life insurance and separate Welfare Fund every Nepali migrant worker pays into, what each pays on death or injury, and how a family claims both.

    GuideNepalInsuranceForeign EmploymentRemittance
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  • 11 min read

    How much life insurance cover do you actually need in Nepal?

    Size life cover in Nepal with the 10x, Human Life Value, and DIME methods, then subtract your SSF survivor pension and savings to land on a real number.

    GuideNepalInsuranceLife InsurancePersonal Finance
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  • 11 min read

    OTP and phishing fraud in Nepal: how bank-account scams actually happen

    How OTP and phishing scams empty Nepali bank accounts, the hard truth that no rule forces a refund, and exactly what to do in the first hour after you're hit.

    GuideNepalFraudBankingDigital MoneyPersonal Finance
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  • 10 min read

    Insurance claim rejected in Nepal? The complaint ladder from branch to the Nepal Insurance Authority

    Rejected or stalled insurance claim in Nepal? The escalation ladder — insurer grievance desk, then NIA within 3 months, decision due in 6 — with contacts.

    GuideNepalInsuranceNIAClaimsConsumer Protection
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  • 9 min read

    Travel insurance for your visa application: what embassies require and what it costs from Nepal

    Schengen visas require EUR 30,000 medical cover; the UK and US require none. Verified Nepali premiums from ~Rs 5,800 for 15 days, and the age-70 wall.

    GuideNepalInsuranceTravelVisaPersonal Finance
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  • 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 Finance
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  • 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 Finance
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  • 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 exits.

    GuideNepalInsuranceLife InsuranceEndowment
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  • 11 min read

    QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily

    Fake-screenshot, sticker-overlay, and OTP-refund: the three Fonepay QR scams running across Kathmandu, the 217 logged cases, and how to stop each one.

    GuideNepalFraudFonepayDigital PaymentsCyber Crime
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  • 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.

    GuideNepalInsuranceVehicleBeema
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  • 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 Finance
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  • 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 on commission, surrender value, and real return that surface misselling before you sign.

    GuideNepalInsuranceConsumer Protection
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  • 16 min read

    Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers

    What an ICU bed, surgery, and cardiac care actually cost across Bir, Patan, and private hospitals in Nepal — and where insurance leaves a gap you pay.

    GuideNepalHealth InsuranceHospitalEmergencyNHIPBir HospitalPatan HospitalCost
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  • 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 costs in Nepal at age 30, the eight insurers who sell it, why return-of-premium plans cost 1.5–3× more, and how to choose.

    GuideNepalInsuranceTerm InsuranceLife InsurancePersonal Finance
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  • 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 InsuranceTax
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