All 12 Essential Consumer Guides & Research
12 In-Depth Guides
1. Life Insurance vs Fixed Deposit (FD)
In-depth comparison of inflation-adjusted returns, risk protection differences, and why FD cannot replace life cover.
2. Section 12 Tax Deduction Rules
Save up to NPR 40,000 annually from your taxable income under the Nepal Income Tax Act 2058 provisions.
3. 5% TDS on Maturity Profits
Understand how the Inland Revenue Department (IRD) taxes life insurance maturity gains and policy surrender payouts.
4. Policy Surrender vs Paid-Up Value
Learn when to make your policy paid-up instead of surrendering early to avoid heavy financial surrender penalties.
5. Loan Against Life Insurance Policy
How to borrow up to 90% of your policy’s surrender value at low interest rates without bank mortgage fees.
6. Life Insurance Claim Process
Complete step-by-step documentation checklist and timelines for death claims, maturity payouts, and critical illness riders.
7. Medical Underwriting & Loadings
How medical checkups, pre-existing conditions, BMI, and family medical history affect your premium rates.
8. Swasthya Bima vs Private CI Riders
Understanding the difference between Government Health Insurance (Rs 1 Lakh) and private Critical Illness riders (Rs 50 Lakhs).
9. Pay Nepal Premiums from Abroad
Step-by-step online payment methods via ConnectIPS, eSewa, IME Pay, and international cards for NRNs and migrant workers.
10. Life vs Non-Life Insurance
Clear comparison between life protection policies and general insurance (motor, property, health, and engineering).
11. Life Insurance Statistics Nepal (2081/82)
Official macro indicators: 48.33% national coverage, NPR 78.98B settled claims, NPR 759.6B Life Fund, and 404,564 licensed agents.
12. History of Insurance in Nepal
From traditional Guthi mutual safety nets to the 2004 BS Malchalani and modern Nepal Insurance Authority governance.
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