Insurance Products
Travel Medical Insurance
Emergency medical and travel protection for Nepalis travelling abroad.
Sanima GIC Travel Medical Insurance covers sudden, unexpected accidents and emergencies while you are outside Nepal. It includes 24/7 global assistance, medical evacuation, and protection for your trip and baggage. This is an emergency policy, not a general health insurance plan.
Plans
Choose Your Plan
Individual TravellersEmergency medical and personal accident cover worldwide.
FamiliesA single certificate covering a couple and up to two dependent children under 18.
Students & ProfessionalsLong-stay protection for trips up to 185 days.
Included
What you get
- Emergency medical, surgical and hospital expenses abroad
- Medical evacuation and air ambulance services
- Loss, theft or delay of checked baggage and passport
- Trip cancellation, curtailment and travel delay compensation
- Personal accident, personal liability and legal expenses cover
Coverage Details
What's protected, and what isn't
- Sudden illness or accidental bodily injury outside Nepal
- Emergency dental treatment (up to USD 150 for immediate pain relief)
- Repatriation of remains and emergency air ambulance
- Return of a family member if you are hospitalised for more than 5 days
- Loss of passport (expenses to obtain replacement travel permits)
- Travel delay (outward flight from Nepal delayed over 12 hours)
- Hijacking (compensation per 24-hour period)
Before You Buy
Good to know
- Call Global Response immediately for hospital admissions, accidents, or bills over USD 500.
- Available for Nepali residents up to 70 years old at the time of purchase.
- An excess applies to claims — you pay the first portion, as shown in your schedule.
- Non-emergency claims must be submitted within 31 days of returning to Nepal.
- Coverage extends up to 90 days if you are medically unable to return home on time.
Claims
Claim in 4 steps
- 1Emergency?Call the 24/7 Global Response number on your certificate immediately.
- 2Non-emergency?Keep all original receipts, medical reports, and police reports.
- 3Return homeSubmit your claim form and documents to us within 31 days.
- 4AssessmentWe review and settle per your policy limits and schedule.
Questions
Frequently asked questions
No. It is strictly for sudden, unexpected emergencies and accidents that happen during your trip.
Any sickness you took medication for, treated, or sought advice for in the 24 months before buying this policy.
Global Response. Their 24/7 regional phone numbers and emails are printed on your policy certificate.
Yes. A family certificate covers you, your spouse, and up to two dependent children aged 18 or under.
Full terms, limits and rate tables live here — not on this page.
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