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.
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.
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.
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.
SSF benefits explained: what your social security contribution actually buys
Your slip loses 11% to SSF and your employer adds 20% more. What that 31% buys: a pension, medical cover, accident and disability pay, and a family payout.
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.
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.
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.
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.
How to legally lower your income tax in Nepal: insurance, CIT, and donation deductions
The deductions that legally cut your Nepali income tax: retirement up to Rs 5 lakh, life insurance Rs 40,000, health Rs 20,000, donations, and the 10% rebate.
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.
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.
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.
