Health Insurance in Nepal
Human life is full of risk. So, humans want to make an insurance to get relief from such risk. Insurance is a way which provides security to the person and his property. It is the shifting of the risk of insured to the insurer in consideration of a nominal cost called as Premium. It provides financial protection against any specific risks. Several national and International Insurance companies/agencies are working for Health Insurance in Nepal
Health Insurance by Government
Every citizen shall have the right to get basic health care and have equal access to health services. These are the fundamental rights guaranteed in the Constitution of Nepal. Besides, Nepal aims to fulfil its commitment of achieving Goal 3 of the United Nations Sustainable Development Goals, which is ensuring good health and wellbeing of the people by 2030.Health Insurance Board is working on the behalf of Government of Nepal. National Health Insurance Policy 2013 is active to run the board.
To ensure the health care services for all, the government of Nepal has started health insurance programme in few districts. For the universal health coverage government has adopted the vision of overall health improvement of people through social health security. Health insurance programme is to have access for preventive, curative and rehabilitative health services.
Health Insurance Scheme by Government
According to this programme, a household is considered as a unit and has to pay premium of Rs 2,500 annually to get the services worth up to Rs 50,000. If a family is unable to pay the premium, the government will pay for it. Under the health insurance programme, the insured shall enjoy services like nutrition, psychological counselling, vaccination, family planning, safe motherhood, OPD and emergency services, medications and preventive services including ambulance. However, it doesn’t cover expensive medical equipment, plastic surgery and artificial insemination. The Health Insurance in Nepal programme has been initiated with the objective of improving access to and utilisation of quality health services. According to health insurance board, the programme was started from three districts Kailali, Baglung and Ilam in the FY 2016-16. Now it has been extended to 24 districts with overall enrolment of more than three lakh people.
Social health security program has played an exciting role in health care systems. Within a very short period of time, it has been able to enroll an encouraging number of members. This will help to reduce the huge expenditure on health care services and increasing access of poor people.For the effective implementation of this programme, local health delivery should have to be improved drastically.
However,to achieve the fundamental right of healthcare, government should improve health service delivery as well as health insurance programme. Until and unless there is drastic improvement in health delivery, a thoughtfully designed health insurance policy in Nepal only can’t improve the overall health status of the people.
There are numbers of companies for Health Insurance in Nepal. The renowned companies are as follows:
Life Insurance Companies in Nepal
- American life insurance company limited (Alico)
- Asian life insurance company
- Gurans life insurance company limited.
- Life insurance corporation (Nepal) limited.
E-mail:- email@example.com, Pulchowk, Damkal Chok, Yapa Bhawan, Patan 44700,Phone: 01-5009295
- National life insurance company limited.
- Nepal life insurance company limited.
- Prime life insurance company limited.
- Rastriya Beema Sansthan
- Surya life insurance company limited.
- I.M.E. Life Insurance Company Limited
- Jyoti Life Insurance Company Limited
Pashupati Rd, Kathmandu 44600
- Union Life Insurance Company Limited
- Sun Nepal Life Insurance Company Limited
14. Reliable Nepal Life Insurance Limited
15. Union Life Insurance Company
16. Everest insurance company limited
Hattisar Sadak, Kathmandu 44600
Phone:01-4444717 ext. 4444718
E-mail : firstname.lastname@example.org
17. Premier Insurance Company (Nepal) Limited
Sama Marga, Kathmandu 44600
- MetLife health insurance agency
Narayani Complex, Patan 44700
- Shikar Insurance
- Himalayan General Insurance
- Lumbini General Insurance Company Limited
Gyaneswor 33, Kathmandu 44600