Shikhar Swasthya Surakshya
Health Insurance
About this plan
Comprehensive individual & family health insurance offering flexible sum insured from NPR 500,000 to NPR 2,000,000 with cashless access at network hospitals, OPD benefits and coverage for pre-existing conditions after waiting period.
What's included
Key highlights
- Sum Insured NPR 500k–2,000k
- Cashless at network hospitals
- Pre-existing covered after 2 years
- OPD sub-limit 10% (max NPR 100,000)
- Pre/Post hospitalization 30/60 days
Features
- Flexible Sum Insured from NPR 500,000 to NPR 2,000,000
- Cashless treatment at major network hospitals (Norvic, Mediciti, Grande, KMC, etc.)
- Pre-existing and chronic conditions covered after 2-year waiting period
- Annual OPD sub-limit: 10% of SI (max NPR 100,000); physician consult copay NPR 1,000 per visit
- Diagnostics up to 50% of OPD limit; pharmacy up to 20% of OPD limit
- IPD coverage: minimum 24-hour hospitalization and Single Standard AC room
- Covers 150 named OT-based day-care procedures
- Pre-hospitalization 30 days and post-hospitalization 60 days covered
- Eligibility 5–65 years; medical check-up required for ages 45+ or SI ≥ NPR 500,000
Eligibility & term
- Entry age
- 5 – 65 years
- Policy term
- 12 months (one calendar year)
Plan specifics
- OPD limit
- Rs 1,00,000
- Maternity benefit
- No
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