Nepal Insurance Guide
Understand Life Insurance in Nepal
Honest, expert-reviewed guides to help you choose the right policy — without the sales pressure.
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In-depth guides on every type of life insurance in Nepal.
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Find guides, comparisons, and expert advice for every type of life insurance available in Nepal.
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Nepal Insurance Companies
Independent profiles of every Beema Samiti-licensed insurer.
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Insurance Guides
Comprehensive, regularly updated guides written for Nepali policyholders.
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Common Questions About Life Insurance in Nepal
What types of life insurance are available in Nepal?
Nepal offers term life, whole life, endowment, ULIP (unit-linked), and microinsurance plans. All are regulated by Beema Samiti (Insurance Board of Nepal).
How much life cover do I need?
A common rule is 10–15× your annual income. Our Life Cover Calculator helps you estimate the right amount based on your family's needs and existing assets.
Is life insurance in Nepal regulated?
Yes. All insurance companies operating in Nepal are licensed and regulated by Beema Samiti. You can verify a company's license on the Beema Samiti website before purchasing.
What is the claim settlement ratio?
The claim settlement ratio is the percentage of claims paid out by an insurer versus total claims received in a year. A higher ratio (above 95%) generally indicates a reliable insurer.
Can NRNs (Non-Resident Nepalis) buy insurance in Nepal?
Yes, Non-Resident Nepalis can purchase life insurance policies from Nepali insurers. Requirements vary by company — contact us for specific guidance.
Is this website affiliated with any insurance company?
No. Nepal Insurance Guide is completely independent. We do not sell insurance, receive commissions, or have financial ties to any insurer. Our advice is unbiased and educational.
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