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Family Insurance Package

This policy covers the benefits against bodily injury resulting solely and directly from accident caused by external violent and visible means.

This package includes:

  • Personal Accident Insurance (NPR 10,00,000 each for husband and wife)
  • Hospitalization Insurance (NPR 2,00,000 for a family on floater basis)
  • Home Insurance (Upto NPR 1,00,00,000 for residential house and contents)

Brief information on Family Health Insurance Package benefits and coverage:  

Personal Accident Insurance Policy (Insured and Spouse – NPR 10,00,000 each)

This policy covers the benefits against bodily injury resulting solely and directly from accident caused by external violent and visible means.

Scope of Cover

Age Limit:                         – Up to 65 years of age

Geographical coverage  – Worldwide For Husband and Wife only

Benefits:

(A) Death

(B) Permanent Total Disability

(C) Permanent Partial Disability

Exclusion in Personal Accident Insurance Policy

  • Self-injury, Suicide, Alcoholism
  • Hazardous Sports
  • Medical Benefit
  • Willful exposure to danger and Breach of Law

Click here for Details of Personal Accident Insurance Policy

Hospitalization Insurance Policy (NPR 2,00,000 per family)

This policy covers hospitalization expenses due to sickness or bodily injury resulting from accidents.

Scope of cover

Age Limit                          – Up to 65 years of age

Geographical Limit          – Nepal and India only 

Family shall mean Insured + Spouse + 2 fully dependent children up to 21 years of age.

Benefits (Family Floater)Limit
Room charge maximum per day1,000
Maximum liability of 45 days per person per year 
Surgical Benefit: 
Minor15,000
Intermediate30,000
Major45,000
Annual Aggregate Benefit Per Family On Floater Basis200,000

Exclusion in Hospitalization Insurance Policy

  • Hospitalization for injury sustained due to involvement in Riot, Strike and Terrorism 
  • Hospitalization within 30 days after the purchase of policy (applicable to illness only) ● Hospitalization due to pre-existing conditions

Click here for Details of Hospitalization Insurance Policy

Home Insurance (Upto NPR 100,00,000 coverage for a residential house and contents)

It covers loss or damage for residential house and contents.

Loss or Damage Cover

  • Fire and lightning 
  • Air peril, Water peril, Land or Rock slide/subsidence
  • Earthquake
  • Explosion, Implosion, Damage by Aircraft 
  • Theft and robbery
  • Impact Damage/ Self-Ignition Damage
  • Removal of debris
  • Personal Accident cover for up to 5 members of the insured family at Rs. 5 Lakh per person within the premises due to insured perils
  • Architect, Engineering or Surveyor fee

Optional coverage

● Riot, Strike, Malicious and Terrorism Damage

Note: Optional coverage can be included paying extra premium of 0.01% of the value i.e. Rs.1,000

Premium: NPR 8130/- Net Per Annum

Contact us for further assistance: 9801911061

Email: [email protected]

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