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Nepal Travel Insurance

A Quick Guide on Travel Insurance for Nepal


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    Your premium is Rs.

    Above Premium includes 18% GST



    Claim Settlement Ratio (OND 2018)


    7800 +

    Network Hospitals across 500 cities


    400 Lacs+

    lives covered

    Nepal Travel Insurance

    Nepal, the roof of the world” is a sandwich kingdom, sharing its borders with Tibet to the north and India to the east, west, and south. The birthplace of Gautama Buddha and bestowed with Mount Everest, the world’s highest peak, Nepal is a divine pilgrimage for many travellers. However, a trip to a beautiful destination like Nepal can still not be free from health issues and travel risks. The devastating earthquake in this mountainous country is still etched in every traveller’s mind.

    There are risks that you need to safeguard against before embarking on any overseas trip. Opting for travel insurance for Nepal will give you just the right financial protection when you need it the most. 

    An emergency hospitalization can upset your travel budget and leave you in a state of anxiety. A travel cover will cover such medical expenses and keep you secured.

    Further, tourists need to be careful about thefts in public places. In the blink of an eye, one might lose the belongings, but you need not worry if you have the backing of an international travel cover. The Nepal travel insurance plan will secure you against loss of checked-in baggage and vital documents like a passport.

    Choose travel insurance for your next trip to Nepal that protects you well and doubles your joy when you are visiting this land of adventure tourism.

    Is Travel Insurance for Nepal Mandatory?

    Travel insurance for Nepal is strongly recommended to all travelers planning to visit Nepal. However, it is not mandatory to get the Nepal visa. All foreign nationals are required to obtain a visa prior to travel to Nepal. However, Indians can enter in Nepal without a visa, but with valid documents.

    Quick Facts about Nepal

    Total Population

    28, 851, 003

    Land Area

    147,181 square kilometers

    Official Language


    Official Currency

    Nepalese Rupee



    Driving Side

    Left-hand side

    Popular Cities

    Kathmandu, Pokhara, Lalitpur, Mount Everest

    Indian Embassy

    Kapurthala Marg 336, Kathmandu 44600, Nepal

    Phone: +977 1-4410900

    Explore - Nepal Travel Insurance Plan

    Nepal has incredible terrain and famous for adventure tourism across the world. From white water rafting, rock climbing to trekking, paragliding, it has various exhilarating options. But, before you grab your gears, you should make sure that you grab comprehensive travel insurance that can protect you if you fall in any unfortunate situation in Nepal.

    Care Health Insurance (Formerly Religare Health Insurance) offers a wide range of region-specific international travel insurance plans. These plans cover your maximum travel risks and reimburse your expenses that may incur due to any adventure sports injury, sickness, infection, allergy, trip delay or cancellation, and theft. You can avail of these travel insurance plans online in just a single click. Our travel insurance advisers provide you the right quote with the right travel insurance cover at affordable premiums. Here you can explore our Nepal travel insurance plan.

    Benefits of Nepal Travel Insurance

    We offer a wide range of travel insurance plans, that takes care of your medical and non-medical emergency expenses. Getting an overseas travel cover before you start your trip will safeguard you and your travel budget during emergencies. Our overseas travel policies are accepted by authorities worldwide.

    Take a look at the benefits of our travel insurance plans for Nepal:

    • Comfort: The travel insurance for Nepal keeps travellers, especially senior citizens and students, free from the stress of travelling.
    • Assistance In Case of Medical Emergency: Having travel insurance plan for Nepal will help you get immediate medical attention, including medical evacuation, during your trip.
    • Cashless Claim Settlement: Emergency cashless hospitalization You can avail of our cashless claim facility in case of emergency hospitalization
    • Cover in case of Mishaps: The policy offers compensation to the nominee in case of uncertain death of the insured person. The coverage includes repatriation to home country. 
    • Assistance in case of other contingencies: The plan offers trip delay and cancellation reimbursement and coverage in case loss of belongings and travel documents. 
    • Destination-specific Coverage: Our region-specific customized international travel plans will provide adequate protection for your trip to Nepal. 
    • Multi-Trip Policy: If you travel to the destination frequently, you can avail of the multi-trip travel policy and be free from any hassle.

    What is Covered in Nepal Travel Insurance?

    Here we have listed all the major Medical and Non-medical benefits covered in Nepal travel insurance policy.

    • Emergency hospitalization: This cover bears the expenses for both in and out-patient treatment in an emergency.
    • Cashless hospitalization: You get immediate cashless hospitalization in any pre-approved hospitals in Nepal in case of medical emergencies.
    • Pre-existing diseases: We provide 10 percent sum insured for the treatment of a life-threatening condition for pre-existing diseases.
    • Treatment in home country: If recommended by the doctors you require further treatment in your home country, we give you the coverage for expenses up to 30 days or up to the policy end date, whichever is earlier.
    • Medical Evacuation: You get the cover of up to USD 10,000 during emergency transportation and medical evacuation to provide an appropriate medical facility to you.
    • Common Carrier Accidental Death: We give a lump sum amount as compensation if the insured person loses his/her life while traveling in a common carrier or public transport.

    In addition, Nepal travel insurance plan also offers coverage for:

    • Dental expenses as a result of injury: Up to USD 300
    • Expenses of the personal accident: Up to USD 15,000
    • Repatriation of mortal remains: Up to USD 10,000
    • Expenses for out-patient care: Up to 20 percent of the Sum Insured
    • Daily Allowance: USD 25 per day, maximum 5 days
    • 2-way compassionate visit for one immediate family member
    • Accidental Death/Permanent Total Disabil
    • Trip Delay, Cancellation or Interruption: Nepal Travel Insurance cover up to USD 500 in case of trip delay and a cover of USD 1,000 in case of trip cancellation or interruption.
    • Loss of Passport & Checked-In Baggage: for loss of checked-in baggage or delay of checked-in baggage, you are entitled to get up to USD 100. In case of loss of passport, the plan offers cover of up to USD 300.
    • Up-gradation to Business Class: This is our unique feature. Under this cover, if you remain hospitalized for more than five consecutive days and need to be back in the home country, then up-gradation from economy to business class is provided. You will receive coverage of USD 1,000 under the international travel insurance policy for Nepal.
    • No Maximum Age Limit: Our travel insurance plans have no maximum entry age limit. We can cover even 1-day old child as well.
    • Other Covers: We provide assistance in case of loss of passport or important document and financial crunch.

    What is Not Covered in Nepal Travel Insurance Plan?

    Travel insurance provides you the maximum coverage against all your travel risks. However, there are some situations guided by IRDA that are considered as exclusions, and no claim is provided for the same. Check below our exclusion list:

    • Treatment costs of diseases such as HIV/AIDS/other transmitted diseases.
    • Treatment expenses occurred due to adventure sports, hazardous activity, the influence of drugs, or alcohol, or consequences of war/nuclear perils.
    • Costs incurred due to exposure to ionizing radiation or contamination.
    • Expenses occurred due to the treatment of self-inflicted injury, suicide, etc.
    • Any liability related to any professional services offered by the insured.
    • Expenses incurred by engaging in business activities.
    • Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc.
    • Personal liability of the insured towards another individual (whether personal, official, or commercial).
    • Costs incurred due to wrongful detention, false arrest, wrongful eviction, defamation, or mental trauma and shock resulting from such situations.
    • Costs incurred due to encroachment of intellectual property rights like patent, copyright, and trademark.
    • Liability related to possession of animals, insects, birds, and reptiles, and their by-products.
    • Expenses arising due to Breach of Law.

    Eligibility for Nepal Travel Insurance

    The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below:

    Travel Insurance Plans Eligibility Criteria
    Explore - International Travel Insurance The minimum entry age is one day.
    The age of a proposer is minimum 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years.
    The maximum entry age is 40 years.

    *Please refer to the policy documents

    Premium for Nepal Health Travel Insurance

    We offer travel insurance plans at very affordable premiums. The actual amount of the premium depends on various factors like the number of travelers, their age, traveling country, sum insured, pre-existing medical conditions, trip duration, and the type of coverage selected. A travel insurance premium calculator helps you in calculating and comparing different premium amounts. Thus, you can customize your options and pick an affordable travel policy.

    For example,

    A solo traveller, male, 30 years of age with no pre-existing medical condition, opts for a single-trip travel insurance plan for Nepal. The trip duration is 1 month, in this case. Then, the average premium* he would pay is around Rs 977, including GST @ 18%.

    *T&C applied. The amount may vary based on age and other factors.

    Click to know about Care Health Insurance Claim Settlement Ratio

    Nepal Travel Insurance - Claim Process & Procedure 

    Policyholders should have a clear knowledge about how to file a claim on their travel insurance plan for Nepal. Below is a simple process to file a travel insurance claim online: 

    • In case of emergency hospitalization, notify us on the number mentioned in the policy document.
    • Submit the duly filled claim form and attach the original bills of expenses incurred.
    • After successful verification by our claim management team, we will process your claim, subject to the policy terms and conditions.

    Nepal Travel Guide

    Places to Visit in Nepal

    Kathmandu: This capital city of Nepal has a lot to offer to the tourists. Pashupatinath Temple, Swayambhunath Temple, Kathmandu Durbar Square, and Boudha Stupa are the places that you should visit to explore this divine land.

    Pokhara: This city is situated on Phewa Lake in Nepal. You can do boating and paragliding in Pokhara. At Devi’s Falls, Begnas Lake, and Mahendra Cave, you can explore the beauty of nature in Nepal.

    Annapurna: This city is famous for mountaineering and camping. If you want to enjoy the peace in the lap of Himalayas, then go to Annapurna. Tharpu Chuli, Tilicho Lake, and Machhapuchhare are the places in Annapurna that are famous amongst climbers.

    Chitwan National Park: It is well-known for wildlife safari and biodiversity in Nepal. You can do jungle safari in Chitwan National Park. You can visit the Elephant Breeding Center, Tharu Cultural Museum, and Bishazari Tal to get a glimpse of your favorite animals.

    Things to Do in Nepal

    Taste the Food Icons of Nepal: Momos, Dhaido, and Dahl Baht are known as food icons of Nepal. You can get the blend of Indian, Chinese, and Tibetan cuisine in Nepal. Pulao, Sel Roti, Thukpa, and Gorkhali Lamb are the lip-smacking food that you cannot resist to taste.

    Shop in Nepal: The local market in Kathmandu and Pokhara has a variety of interesting stuff that you can buy at reasonable rates. Pashmina Shawls, Singing Bowls, Khukuri, Rice paper products, beads and jewelry, and paintings all you can buy as a souvenir.

    Adventure Sports: Not a miss when you on the land of adventure. You can plan to climb the highest peaks of Nepal, including Mount Everest. Trekking, rock climbing, river rafting, and camping add lots of thrill in your trip.

    Go to Siddha Gufa: At 1434ft deep, there is a Siddha Gufa in Nepal. Located on the outskirts of the village Bandipur, it is the largest cave.

    Enjoy in Thamel: After sightseeing and adventure sports, you can enjoy a day or two in Thamel. It is the district in Nepal packed with bars, clubs, and restaurants.

    Visit Divine Monasteries: Nepal is the land of Buddha. Tergar Osel Ling Monastery, Tharlam Monastery, and Thrangu Tashi Yangtse Monastery are famous for peace. You should go there and spend some time in harmony.

    Quick Travel Tips

    • Buy comprehensive international travel insurance to travel safely
    • Get all your booking done in advance
    • Check the weather and shop accordingly for Nepal travel wardrobe that includes- a shawl, jacket, caps, shoes, and easy to carry traveler and trekking bag
    • Get the trekking permit if you want to climb the peaks in Nepal
    • Carry enough Nepalese rupee if you have a plan for trekking
    • Always trek in a group
    • Use public transportation to explore Nepal
    • Take a walking tour according to the city map
    • Try street food to taste the authentic Nepali cuisine
    • Speak English and Hindi people are educated and understand it easily
    • Carry medicine for altitude sickness and motion sickness
    • Go to UNESCO World Heritage sites as well

    The home of ancient kingdoms and spirituality, Nepal welcomes you with open arms. It is the small country yet endowed with natural beauty that enchants you a lot. But, the thrills and excitement of adventure sports, trekking, safari, food, water, and weather can create hurdles in your journey. It’s wise to fly with a travel insurance plan that protects you from travel risks. So, you can enjoy in the laps of sacred Himalayas in Nepal without worries.

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