Insurance
21 posts tagged "Insurance".
- 11 min read
Can you borrow against your life insurance policy in Nepal? Policy loan vs personal loan
Nepali insurers charge around 10 to 14% on a policy loan, compounding every six months. Everest Bank lends against the same policy at 8% fixed. The full comparison.
- 22 min read
Missing after the Trishuli flood: claiming life insurance, bank deposits and SSF when there is no death certificate
Nepal's Civil Code says twelve years, with a disaster exception that names no waiting period. What that gap means for a life claim, a bank balance and an SSF pension.
- 11 min read
How to file a flood insurance claim in Nepal after the Rasuwa-Nuwakot flood
What actually pays out after Nepal's Rasuwa-Nuwakot flood: home and life insurance claims, why land itself can't be insured, and the process insurers have promised.
- 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.
- 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.
- 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.
- 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.
- 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.
- 10 min read
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 11 min read
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.
- 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.
- 11 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.
- 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.
- 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.