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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


    8350 +

    Network Hospitals


    400 Lacs+

    lives covered

    Nepal Travel Insurance

    Nepal, the world's roof" 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 proper 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 the 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 travellers planning to visit Nepal. However, it is not mandatory to get a Nepal visa. All foreign nationals are required to obtain a visa before travelling to Nepal. However, Indians can enter 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

    Kapurdhara 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 get comprehensive travel insurance that can protect you if you fall into 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 with just a single click. Our travel insurance advisers provide you with the correct 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 a travel insurance plan for Nepal will help you get immediate medical attention, including medical evacuation, during your trip.
    • 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 the home country.
    • Assistance in case of other contingencies: The plan offers trip delay and cancellation reimbursement and coverage in case of 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 yourself 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 significant Medical and Non-medical benefits covered in the Nepal travel insurance policy.

    • Emergency hospitalization: This cover bears the expenses for both in and out-patient treatment in an emergency.
    • Pre-existing diseases: We offer coverage to pre-existing illnesses in case of life-threatening situation.
    • COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
    • 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 travelling in a common carrier or public transport.
    • Trip Delay, Cancellation or Interruption: You will get compensation for the trip delayed, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.
    • 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 a cover of up to USD 300/200 Euro with sub-limits.
    • 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 a 1-day old child as well.
    • Other Covers: Under international travel insurance, you are also eligible for personal liability cover and coverage for the return of the minor child.

    Note: *Please read the policy T & C, brochure, and prospectus to know more about our travel insurance plans cover as they may vary.

    Why Should You Opt for Nepal Travel Insurance?

    Regardless of anywhere you go, always make sure that you have acquired travel insurance before getting aboard. Over the years, travel insurance has become a mandate for travellers to be safe from any calamity. One should always opt for Nepal travel insurance, for it is always to take precautions beforehand while travelling overseas. Nepal is renowned for its beautiful hiking and trekking sites, and it is always necessary to opt for good travel insurance to protect during any uncertain event. But, treatment expenses that occurred due to adventure sports, hazardous activity and the influence of drugs or alcohol will not be covered.

    Good travel insurance helps you cover even when your luggage is misplaced or stolen. Calamity could be referred to as an event resulting in significant loss and misfortune, so considering travel insurance is the wisest thing you can do to be stress-free.

    Following are a few more reasons to buy Nepal Travel Insurance-

    • Plans are designed so that frequent travellers don’t have to face any discomfort in case of any emergency.
    • If you are travelling overseas, you always need medical protection to pay for any medical emergency.
    • If you happen to suffer any loss related to trip cancellation, good travel insurance will help you cover your expenses.
    • There have been times when travellers lose their belongings and important documents during the trip; travel insurance also cover that loss.
    • Insured can get a benefit for an extra premium if they plan to go for adventure sports during their trip. The policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.

    What is Not Covered in Nepal Travel Insurance Plan?

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

    • Medical treatment taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey.
    • Any Treatment, which could reasonably be delay until the insured person's return to the Country of residence.
    • Any dental treatment or surgery unless necessitated due to an injury.
    • Circumcision unless necessary for treatment of an illness or as may be necessitated due to an accident.
    • Treatment of any Congenital Anomaly or llness or defects or anomalies or treatment relating to birth defects.
    • Hormone replacement therapy.
    • Weight management services and treatment, vitamins and tonics related to weight control programs, services and supplies including treatment of obesity (including morbid obesity).

    Why Choose Care Health Insurance for Nepal?

    Care Health Insurance is known for its unparalleled services with commendable results over the years. If you plan to travel overseas, make sure you consider a company that gives you assured services on travel insurance plans. It is essential to understand the benefits you are provided. We pay additional travel and accommodation expenses (similar standard and class as original) after deducting (if any) when your overseas trip is unavoidably curtailed (cutting short by early return to India) after the commencement of the Period of Insurance.

    Following are a few more benefits if you are travelling internationally with our travel insurance-

    • We offer region specific plans to keep you at ease.
    • Our travel insurance plans help you with Out-patient and In-patient treatmnent.
    • Settlement of the loss of passport and check-in baggage while travelling.
    • Settlement of the monetary losses incurred due to delayed trip, camcellation and interruption.
    • We provide coverage for Pre-existing diseases for Life Threatening Conditions under Hospitalization Expenses up to the limits mentioned in the Policy schedule.

    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 proposer age should be 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 premium depends on various factors like the number of travellers, their age, travelling 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 one 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 explicit 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:

    • Notification of Claim
    • Documents to be Submitted

    Notification of Claim                                       

    For claim, you should notify us immediately by calling on any of our toll-free numbers with the following details:

    1. Policy Number
    2. Policyholder's Name
    3. Name of the Insured Person in respect of whom the claim is being made
    4. Nature of illness or injury or contingency for which claim is being made
    5. Date of admission to Hospital or date of loss
    6. Name and address of the attending Medical Practitioner and Hospital(if applicable)
    7. Any other information, documentation, or details requested by the Company or the Assistance Service Provider

    Cashless Process

    If you want to avail of a cashless hospitalization facility, take care of the below points:

    • The cashless facility is available only at the network providers for in-patient care
    • For availing of the cashless facility, kindly call our customer support team
    • You need to request the cashless facility in a prescribed format
    • We may authorize your request, and after that, you do not need to pay for the hospital bills, except for the non-medical expenses.

     Reimbursement Process

    For reimbursement, you need to send us the required documents. Our claim management team examines the documents and will process your claim accordingly.

    Documents to be Submitted

    You need to submit the documents for reimbursement depends on the benefit. For hospitalization expenses below documents are required:

    • Claim form(filled and signed by the insured)
    • Release of Medical Information Form
    • Original Pathological and diagnostic reports, discharge summary, indoor case papers, and a prescription issued by the treating Medical Practitioner
    • Passport and Visa copy with Entry Stamp of the Country of Visit and exit Stamp from India
    • Original bills and receipts

    For more details, please check the sales prospectus.

    Nepal Travel Guide

    Places to Visit in Nepal

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

    Pokhara: This city is situated on Phewa Lake in Nepal. You can go 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 peace in the lap of the 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 a 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 favourite 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 a blend of Indian, Chinese, and Tibetan cuisine in Nepal. Pulao, Sel Roti, Thukpa, and Gorkhali Lamb are lip-smacking food that you cannot resist tasting.

    Shop in Nepal: The local market in Kathmandu and Pokhara has various exciting things to buy at reasonable rates. Pashmina Shawls, Singing Bowls, Khukuri, Rice paper products, beads and jewellery, 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 to 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 a 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.

    During pandemic times it is always necessary to understand the importance of covid protection while you are travelling overseas. Care Health Insurance also offers comprehensive covid care plans along with your travel insurance to keep you armoured while you are on the go.

    Documents Required for Nepal Travel Insurance

    You only require a proposal form, health declaration and payment of the premium in order to purchase Nepal travel insurance.

    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.


    Q. What should I look for in Nepal travel policy?

    A. Before buying the Nepal travel policy, make sure you evaluate the covered things in your plan and decide accordingly.

    Q. What is the best time to visit Nepal?

    A. The best time is between October and December. It is the time when the skies are clear blue and has picturesque views. January and February can be freezing, especially at night.

    Q. How to reach the Indian embassy in Nepal?

    A. You can easily reach the mentioned website for any queries:

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