NirogVida Plus
NPR 21/day
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NirogVida Plus by Insurer J — Health Insurance
Insurer J

NirogVida Plus

Health

Senior-friendly

Sum assured
NPR 6 L
Policy term
1 years
Claim ratio
90.1%
Modalities
Monthly / Yearly
Interactive

Premium calculator

Adjust the sliders to see how your premium changes. All figures are illustrative — actual premium is determined by the insurer at underwriting.

Sum assuredNPR 6 L
Your age30 years
Policy term1 years
Riders selected
Payment modality
Daily
NPR 21
Monthly
NPR 624
Yearly
NPR 7,039
Total premium over 1 yr term: NPR 7,488 (illustrative)
Benefits

What's covered

Hospitalization support with cashless or reimbursement routes through partner networks
Pre and post hospitalization benefits are available according to insurer rules
Family floater or individual variants may be selected during proposal
Features

Key features

Entry up to age 70Pre-existing cover after 24 monthsNo medicals up to NPR 5LOnline claim filingNepali helpline
Riders

Optional riders

Riders add extra protection on top of your base plan. Adding riders increases your premium.

Critical Illness
Hospital Cash
Exclusions

What's not covered

  • Pre-existing conditions during waiting period
  • Cosmetic or non-medically necessary treatment
  • Claims without required hospital documents
Claim process

How to file a claim

  1. 1
    Notify insurer
    Call the 24/7 claim helpline or file online within 7 days of the event.
  2. 2
    Submit documents
    Upload or courier required documents: claim form, ID, policy bond, and supporting reports.
  3. 3
    Assessment
    Insurer verifies the claim, may assign a surveyor for large claims.
  4. 4
    Settlement
    Approved claims are paid via bank transfer according to insurer SLA and Nepal Insurance Authority rules.
Claim helpline: +977 98XX-XXXXXX· 24/7

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