Property Micro Insurance
Property
Protects homes and small shops against fire, lightning, earthquake and storm damage with quick micro-claim settlement.
Key benefits
- Home / shop structure damage protection
- Contents and stock cover up to sum insured
- Fast-track settlement for micro claims
Major exclusions
- Flood (available as separate add-on)
- Wilful damage or gross negligence
Waiting periodNone
Premium rangeRs. 300–8,000 per year
Motor Protection Plan
Motor
Covers two-wheelers and light vehicles against accident, theft and third-party damage.
Key benefits
- Accident, theft and damage cover
- Third-party liability protection
- Cashless repair at partner workshops
Major exclusions
- Mechanical or electrical breakdown
- Driving without a valid licence
Waiting periodNone
Premium rangeRs. 500–12,000 per year
Burglary Insurance
Burglary
Compensates shops, godowns and stalls for losses from burglary and housebreaking.
Key benefits
- Stock / shop burglary compensation
- Damage to premises during break-in
Major exclusions
- Civil war, riot and strike losses
- Unexplained inventory shortage
Waiting period15 days
Premium rangeRs. 200–6,000 per year
Accident Insurance
Accident
Personal accident cover with medical, disability and accidental death benefits for the whole family.
Key benefits
- Medical expense reimbursement
- Permanent / temporary disability benefit
- Accidental death benefit to family
Major exclusions
- Pre-existing medical conditions
- Self-inflicted injury
Waiting periodNone
Premium rangeRs. 150–4,500 per year
Marine Cargo Insurance
Marine Cargo
Protects goods in transit by road, rail or air within and outside Nepal.
Key benefits
- Transit loss or damage cover
- Loading / unloading accident cover
Major exclusions
- Improper or insufficient packaging
- Inherent vice of the goods
Waiting periodNone
Premium rangeRs. 400–9,000 per year
Withdrawn / discontinued products
| Code | Product | Discontinued | Reason |
|---|---|---|---|
| SM-PR-088 | Property Savings Lite (Old) | 2081 Poush (२०८१ पुष) | Product restructuring |