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🏥 Health Insurance
in Nepal

Compare Nepal's best health insurance plans. Get cashless hospitalization, OPD cover, and critical illness protection starting at NPR 3,500/year.

100+
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20+
Insurers
500+
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Why Health Insurance?

Protect Yourself & Your Family

Medical costs in Nepal are rising rapidly. Health insurance protects you from financial shock.

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Cashless Treatment

Get cashless hospitalization at 500+ network hospitals across Nepal without upfront payment.

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OPD Cover

Some plans cover outpatient (OPD) visits, medicines, diagnostics, and day-care procedures.

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Critical Illness

Lump-sum payout for heart attack, cancer, stroke, kidney failure, and 30+ critical conditions.

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Family Floater

Cover your entire family under one plan. One sum insured shared among all family members.

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No-Claim Bonus

Get rewarded for not making claims. Coverage increases by 5–20% each claim-free year.

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Tax Benefits

Health insurance premiums qualify for income tax deduction under Nepal's Income Tax Act 2058.

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Ambulance Cover

Emergency ambulance charges covered, including air ambulance for remote areas of Nepal.

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International Cover

Select plans cover emergency medical treatment abroad including India, Thailand, and globally.

Top Plans

Popular Health Insurance Plans

Curated plans based on coverage value, claim settlement, and customer reviews

⭐ MOST POPULAR
H

Himalayan Health Guard Pro

Himalayan General Insurance

Individual / Family
Starting From
NPR 8,500/year
Sum Insured: NPR 5L–50L
✓Cashless hospitalization at 500+ hospitals
✓Pre & post hospitalization (30/60 days)
✓Day care procedures covered
✓Critical illness add-on available
✓No-claim bonus up to 50%
✓Waiting period: 30 days
S

Shikhar Swasthya Suraksha

Shikhar Insurance

Individual
Starting From
NPR 6,200/year
Sum Insured: NPR 3L–20L
✓Hospitalization cover (room, ICU, surgery)
✓Pre-existing diseases after 2 years
✓Maternity benefit included
✓OPD add-on available
✓No-claim bonus 10% annually
—No critical illness rider
I

IME Family Health Shield

IME General Insurance

Family Floater
Starting From
NPR 14,500/year
Family of 4 | Sum Insured: NPR 10L
✓Covers entire family (2 adults + 2 kids)
✓Newborn coverage from day 91
✓Maternity & delivery expenses
✓Vaccination cover for children
✓International emergency cover
✓Cashless at 350+ network hospitals
View All Health Insurance Plans →
Process

How to Get Health Insurance

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Step 1

Compare Plans

Compare 100+ plans by premium, coverage, claim ratio

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Step 2

Fill Details

Enter personal & health details in our simple form

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Step 3

Pay Premium

Pay via eSewa, Khalti, bank transfer, or card

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Step 4

Get Policy

Receive policy document instantly via email/SMS

Partners

Health Insurance Providers on HamroBeema

🟢 Himalayan General 🟡 Shikhar Insurance 🔵 IME General 🟤 Lumbini General
🔵 United Insurance
🟢 Sagarmatha Insurance
🟣 Neco Insurance
+14 More →
FAQ

Health Insurance FAQ

What is the minimum age for health insurance in Nepal?▼
Most individual health plans in Nepal cover people aged 18 to 65 years. Family floater plans cover children from 91 days to 25 years (if full-time students). Senior citizen plans may cover up to age 80. Some micro-insurance products have no age limit.
Are pre-existing diseases covered?▼
Most plans have a waiting period of 2–4 years for pre-existing conditions. After the waiting period, these conditions are typically covered. Some insurers offer immediate coverage for specific pre-existing conditions with higher premiums.
What is a family floater plan?▼
A family floater plan provides a single sum insured that can be used by any family member. For example, a NPR 10 Lakh family floater can be fully used by one family member or split across multiple members in a year. It's more cost-effective than individual plans.
How does cashless hospitalization work?▼
When admitted to a network hospital, show your health insurance card. The hospital contacts the insurer for pre-authorization. After approval, the insurer directly pays the hospital. You only pay for non-covered expenses. Always carry your insurance card and policy number.
Can I get tax benefits on health insurance premium?▼
Yes! Health insurance premiums paid in Nepal are eligible for tax deduction under the Income Tax Act 2058. The premium paid is deducted from your taxable income, effectively reducing your tax liability. Keep your premium receipts for tax filing.

Don't Wait for a Health Crisis

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