Buy International Travel Insurance for Nepal
Instant Policy, No Medical Check-ups

Travel Insurance for Nepal from India Online, Starting ₹395

Nepal is a beautiful country nestled between the Himalayas and bordered by India and China. You will experience the diverse culture, tradition, friendly locals, rich biodiversity, and mesmerizing scenery that will make for a memorable trip.

Consider purchasing a Nepal travel insurance policy before planning your trip. This policy can cover all unforeseen expenses incurred during travel emergencies. For instance, you may suffer from a severe illness during the journey, leading to hospitalization. At such times, your travel insurance for Nepal from India can protect your finances from added medical liabilities.

Is Travel Insurance Mandatory for Nepal?

No, travel insurance is not mandatory when traveling to Nepal, but it is highly recommended.

One reason you should purchase travel insurance before travelling to Nepal is to easily avail medical benefits if you require treatment. If you experience flight, baggage or accommodation issues, travel insurance can cover you.

What is the Cost of Travel Insurance for Nepal from India?

A $50,000 Nepal travel insurance plan from India for four days for one adult starts from ₹395 (excluding GST).

Nepal Visa for Indian Passport Holders

If you plan your next vacation to Nepal, know that a Nepal visa for Indians is not required. However, to enter the country, you must bring the proper documents issued by the Government of India or the Election Commission of India. Indian citizens can travel to Nepal with valid passports or other supporting documents.

What’s Great About International Travel Insurance by Digit?

Adventure Sports Covered - Our coverage includes adventure activities such as scuba diving, bungee jumping & sky diving (provided the duration is one day).

Monetary Compensation for Flight Delays - We don’t want to waste your time any further. That’s why, when your flight is delayed, you will receive compensation as per your policy conditions.

Smartphone-Enabled Processes - No paperwork, no running around. Just upload the required documents and bank details when you make a claim. We’ll take care of the rest.

Missed-Call Facility - Give us a missed call, and we’ll call you back in 10 minutes. No more international calling charges!

Worldwide Support - We’ve partnered with the world’s largest health and travel insurance network Allianz, to support you seamlessly across the globe. T&C apply as per your policy.

Nepal Travel Insurance Plans That Fit Your Needs

Basic Option Comfort Option

Medical Cover

×

Emergency Accidental Treatment & Evacuation

Accidents occur at the most unexpected times. Unfortunately, we can’t save you there, but we can surely help you get the best treatment. We cover you for immediate medical treatment that results in hospitalization.

×

Emergency Medical Treatment & Evacuation

God forbid if you fall ill during your trip in an unknown country, don’t panic! We will take care of your treatment costs. We will cover you for expenses like hospital room rent, operation theatre charges, etc.

×

Personal Accident

We hope this cover is never required. But for any accident during the trip, resulting in death or a disability, this benefit is there for support.

×

Daily Cash Allowance (Per day/Max 5 days)

When on a trip, you manage your cash efficiently. And we do not want you to shell out anything extra for emergencies. So, when you are hospitalized, you get a fixed daily cash allowance per day, to manage your daily expenses.

×

Accidental Death & Disability

While this cover has everything like the emergency accidental treatment cover, it has one extra layer of protection. It also covers death & disability while boarding, de-boarding or are inside the flight (Touchwood!).

×

Emergency Dental Treatment

If you encounter acute pain or meet with an accidental injury to your teeth on the trip, resulting in emergency dental treatment provided by a medical practitioner, we will cover you for the expenses incurred due to the treatment.

×

Smooth transit covers

×

Trip Cancellation

If unfortunately, your trip gets cancelled, we cover the pre-booked, non-refundable expenses of your trip.

×

Common Carrier Delay

If your flight gets delayed by more than a certain time limit, you get the benefit amount, no questions asked!

×

Delay of Checked-in Baggage

Waiting at the conveyor belt is annoying, we know! So, if your checked-in baggage is delayed for more than 6 hours, you get the benefit amount, no questions asked!

×

Total loss of Checked-in Baggage

The last thing that can happen on a trip is your baggage getting lost. But if something like this happens, you get the benefit amount for the entire baggage getting permanently lost. If two out three bags are lost, you get a proportional benefit, i.e. 2/3rd of the benefit amount.

×

Missed Connection

Missed the flight? Don’t worry! We will pay for extra accommodation and travel needed to reach the next destination shown on your ticket/itinerary if, you miss a pre-booked onward flight because of a delay in the flight.

×

Flexible Trip

×

Loss of Passport

The worst thing to happen in an unknown land is to lose your passport or visa. If something like this happens, we reimburse the expenses, if it is lost, stolen or damaged while you are outside of your country.

×

Emergency Cash

If on a bad day, all your money is stolen, and you need emergency cash, this cover will come to your rescue.

×

Emergency Trip Extension

We don’t want our vacations to end. But we don’t want to stay in a hospital too! If due to an emergency during your trip, you need to lengthen your stay, we will reimburse the cost of hotel extensions and return flight rescheduling. The emergency could be a natural calamity in your travel area or an emergency hospitalization.

×

Trip Abandonment

In case of emergency, If you had to return home early from your trip, that would be really sad. We can’t fix that but we will cover charges for alternate travel arrangements and non-refundable travel costs like accommodation, planned events and excursion expenses.

×

Personal Liability & Bail Bond

Due to an unfortunate incident, if there are any legal charges against you while you are travelling, we will pay for it.

×
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.

To read about the policy in detail please click here.

What's Not Covered?

Digit's Travel Insurance from India to Nepal covers most things that could go wrong during your vacation. We are completely open in all that we do. Understanding what your travel insurance does not cover is critical, just like knowing what is covered. The following are some exclusions that our travel plan will not cover:

  • We can't cover diseases or illnesses already diagnosed (pre-existing conditions) or if your doctor has already recommended no travelling.
  • A daily cash allowance of up to 5 days is only valid for those hospitalised during their holiday in a foreign country.
  • Death or disability won't be covered after 365 days of the accident that has caused it.
  • Adventure sports are covered if you're doing it for one day. This doesn't include weeklong treks, hikes or professional-level adventure sports that go on for more than one day.
  • Acts of War are not covered.
  • Flight delays are not covered if your airline already informed you about the same at least 6 hours in advance.
  • The delay in checked-in luggage is not covered if the delay is due to customs.
  • Any missed connection where the time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than the time required.
  • Thefts will not be covered if the police of the respective aren't notified within 24 hours.
  • Trip extensions due to childbirth or related matters can't be covered.
  • Trip abandonments due to pre-existing illnesses or health conditions can't be covered.
  • Trip cancellations due to visa rejection are not covered. 

With us, get access to VIP claims

After you buy our international travel insurance for Nepal, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Give us a call at 1800-258-5956 (if in India) or drop a missed call & we’ll call back in 10 mins.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

How to Buy Travel Insurance for Nepal with Digit?

Step 1

On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’

Step 2

Select the plan, sum insured, and click ‘Continue.’

Step 3

Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.

Step 4

You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.

Why Choose Digit for Nepal Travel Insurance Policy from India?

  • Engage in Exciting Adventure Sports Without Worries - In the event of any accident or hospitalization resulting from adventure sports activities, travel insurance with adventure sports coverage will significantly benefit. Digit’s International Travel Insurance provides adventure activities coverage (provided it’s for a day)
  • Luggage Delays in Transit Become Easier to Deal with - You may experience luggage delays in transit while traveling to a foreign country. A travel insurance policy from Digit will help cover the financial losses during such times.
  • Avail Coverage for Re-Issuance of Passport - In case you lose your passport, or it is stolen, expenses related to the re-issuance of the same would be covered under Digit’s international travel insurance policy.
  • Receive Hijack Distress Allowance - If the common carrier in which you are travelling has been hijacked, You will be paid a distress allowance up to the limit shown in your policy schedule for each 24 consecutive hours.
  • Acquire Dental Treatment - Suppose you encounter acute pain or meet with an accidental injury to your natural teeth on the trip. In this scenario, the treatment provided will be covered according to the policy schedule.

Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.

Compare Nepal Travel Insurance Quotes

Whilst comparing travel quotes from different insurance companies, make sure you are aware of the following:

  • The medical benefits available and the Sum Insured limit for each.
  • The terms and conditions can be tricky and hard to come by. Read the fine print carefully.
  • The claims process by checking the company's previous claim records. After all, that's the whole point of insurance. 

What is Nepal's Official Currency?

The currency of Nepal is called the Nepalese Rupee (NPR). It comes in the denominations of 1, 2, 5, 10, 20, 50, 100, 500 and 1000. Most of the denominations are paper except 1 and 2, which are the coin.

As of 8th July 2024, the currency exchange rates of NPR are as follows:

Country Currency Nepalese Rupee (NPR)
India 100 INR 160.14 NPR
United States of America 100 USD 13,366.04 NPR
Europe 100 EUR 14,478.16 NPR
Japan 100 JPY 83.11 NPR
United Kingdom 100 GBP 17,125.04 NPR
Australia 100 AUD 9,017.53 NPR

Note: Indian Rupee (₹) is widely accepted in Nepal, especially in areas close to the border and major cities like Kathmandu and Pokhara. However, it’s important to note that only certain denominations, ₹100 notes, and smaller denominations are accepted, while higher denominations, like ₹ 500 and ₹1000 notes, might not be accepted due to concerns about counterfeiting.

What is Nepal Famous For?

Nepal is a multi-ethnic country with a multi-dimensional culture located on the southern slopes of the Himalayan mountain range. The diversity in music, dance, splendid architecture, festivals, and food makes Nepal a truly memorable experience. Nepal is famous for its rivers, temples, and mountains. It is home to eight of the ten highest peaks in the world.

If you are planning to visit this vibrant country anytime soon, this article offers essential information that can be useful in planning your trip.

When is the Best Time to Visit Nepal?

As winters in Nepal can get extremely cold, it is the best time to visit Nepal between October and December. At this time, the skies are clear, and you can enjoy the scenic beauty of the country to the fullest. In addition, if you are planning to go trekking or mountaineering at high altitudes, then the pre-winter season is the best for such activities.

Furthermore, you can plan your trip around late spring to explore the beauty of nature, and view bloomed rhododendrons.

Safety Tips When Travelling to Nepal

Here are a few essential safety precautions that one must follow upon visiting Nepal:

  • Ensure to keep your passport, money, any valuables and important documents in a secure place.
  • Make sure to enrol with authorised agencies for trekking and mountaineering. Let the authority know if there is any medical condition, like altitude sickness, etc., beforehand.
  • Refrain from carrying a large amount of cash and wearing expensive pieces of jewellery publicly to avoid unnecessary attention.
  • If you are planning to stay in Nepal for a comparatively longer time, ensure to get yourself registered with Nepal’s embassy or consulate.
  • Avoid visiting places which are forbidden.
  • Ensure to take note of the registration number of the cab that you have hired.
  • Make sure to follow all traditions and customs of the place you are visiting.
  • Avoid the Maoist-infested areas.
  • In addition to this, having comprehensive travel insurance is essential as it will safeguard your finances from unexpected expenses during the trip.
  • Before visiting this country, learn about the common tourist scams in Nepal and the tricks to avoid them.

Travel insurance covers expenses incurred due to flight or hotel cancellation, baggage misplacement or theft, emergency medical charges, etc.

List of Indian Embassy, Consulates and High Commissions in Nepal

List of Airports in Nepal

Following is the list of international and domestic airports in Nepal.

Name of Airport Type
Tribhuvan International Airport, Kathmandu Valley International
Pokhara International Airport, Chhine Danda International
Gautam Buddha International Airport, Siddharthanagar International
Tenzing-Hillary Airport, Lukla Domestic
Biratnagar Airport, Morang District Domestic
Nepalgunj Airport, Banke District Domestic
Simara Airport, Jitpursimara Domestic
Bharatpur Airport, Chitwan District Domestic
Dhangadhi Airport, Kailali District Domestic
Bhadrapur Airport, Mechi District Domestic
Bhojpur Airport, Province No. 1 Domestic
Surkhet Airport, Birendranagar Domestic
Jumla Airport. Karnali Province Domestic
Jomsom Airport, Mustang District Domestic
Tumlingtar Airport, Sankhuwasabha District Domestic

FAQs about Nepal Travel Insurance from India

Is Nepal safe to travel?

Yes, Nepal is safe to travel in, and many people consider it one of the safest places. Crime rates in the country are relatively low, and serious crimes involving tourists are rare.

Do I need travel insurance while traveling in Nepal?

Travel insurance is not mandatory while traveling in Nepal. However, buying travel insurance for Nepal is still essential for tourists. Whether you intend to participate in adventure sports or do other touristy things, unforeseen risks may lurk in Nepal. These policies can minimize your financial loss from such danger.

Do I need to buy travel insurance before I arrive in Nepal?

You can buy your travel insurance before or after arriving in Nepal. However, buying it before you arrive is advisable, as it will save you time, and you can focus on enjoying your expedition.

How much is travel insurance for Nepal?

You can avail of Digit’s Nepal travel insurance policy for a sum insured of $50,000 at a premium starting at ₹395 (excluding GST) for 4 days for an adult.

What should I do if I need to file a travel insurance claim in Nepal?

To claim travel insurance, you should contact your insurer and inform them about the situation as soon as possible. Follow their guidance and take the necessary steps to file your claim, providing all required documentation and adhering to any specific procedures they suggest based on your circumstances.

Can I cancel my trip for any reason, and will I get reimbursement?

Yes, at Digit travel insurance, if your trip is canceled before your insurance period starts, we'll reimburse you for the money spent on non-refundable expenses for the peril mentioned in the policy.

What are the standard exclusions in Nepal's travel insurance policies?

Standard exclusions in Nepal's travel insurance policy generally include pre-existing medical conditions, extreme sports without additional coverage, acts of terrorism or war, and incidents under the influence of alcohol or drugs.

Why is Nepal travel insurance so expensive?

Travel insurance for Nepal can be quite expensive due to several factors:

High number of claims, helicopter evacuations, over-servicing and inflated costs, altitude sickness. These factors combined make travel insurance for Nepal more expensive than other destinations. Despite the cost, having comprehensive travel insurance is crucial for ensuring your safety and covering potential high expenses during your trip.

Is travel insurance mandatory for trekking in Nepal?

Yes, travel insurance is required for trekking in Nepal. It covers emergency medical needs and can provide financial coverage in case of mishaps during a trek

Is travel insurance mandatory for Nepal?

No, travel insurance is not mandatory for Nepal, but it can provide financial protection and peace of mind in unexpected situations like medical emergencies, trip cancellations, lost baggage, and flight delays.

Know more about Nepal before your Trip

Nepal is a multi-ethnic country with multi-dimensional culture located on the southern slopes of the Himalayan mountain range. The diversity in music, dance, splendid architecture, festivals, and food makes Nepal a truly memorable experience. Nepal is mostly known for its rivers, temples, and mountains. It is home to eight of the ten highest peaks in the world.

If you are planning to visit this vibrant country anytime soon, this article offers essential information that can be useful in planning your trip.  

What is the Best Time to Travel to Nepal?

As winters in Nepal can get extremely cold, it is ideal to visit Nepal between October and December. At this time, the skies are clear, and you can enjoy the scenic beauty of the country to the fullest. In addition, if you are planning to go trekking or mountaineering at high altitudes, then the pre-winter season is the best for such activities. 

Furthermore, you can plan your trip around late spring to explore the beauty of nature and view bloomed rhododendrons.

What are the Best Things to Do and Places to See in Nepal?

Here are the best things to do in Nepal: 

  • Go boating at Phewa Lake
  • Experience the surreal view of Mt. Everest at Gokyo Lake
  • Go kayaking and rafting at Bhote Koshi & Seti River
  • Experience wildlife safari at Chitwan National Park
  • Go mountain biking at Kathmandu valley
  • Opt for a helicopter ride over the hills to view the curves and contours of Mt. Everest

Some of the best places to see in Nepal are:

  • Buddhist complex of Swayambhunath and Swapna Bagaicha at Kathmandu Valley
  • Annapurna Circuit
  • Temples and shrines at Bhaktapur
  • Palaces and courtyards at Patan Durbar
  • Phewa Lake at Pokhara
  • Chitwan National Park

Check: Airports in Nepal

Visa Requirements for Nepal for Indians

If you are planning your next vacation to Nepal, know that a visa to travel to Nepal is not required for Indian passport holders. However, to enter the country, you must carry proper documents issued by the Government of India or the Election Commission of India. This means Indian citizens can travel to Nepal by carrying their valid passports or other supporting documents.

Check: Nepal Visa for Indians

What are the Safety Measures Required to Consider While Visiting Nepal?

Here are a few essential safety precautions that one must follow upon visiting Nepal

  • Ensure keeping passport, money, any valuables and important documents in a secure place.
  • Make sure to enrol with authorised agencies for trekking and mountaineering. Let the authority know if there is any medical condition, like altitude sickness, etc., beforehand.
  • Refrain from carrying a large amount of cash and wearing expensive pieces of jewellery publicly to avoid unnecessary attention.
  • If you are planning to stay in Nepal for a comparatively longer time, ensure to get yourself registered with Nepal’s embassy or consulate.
  • Avoid visiting places which are forbidden.
  • Ensure to take note of the registration number of the cab that you have hired.
  • Make sure to follow all traditions and customs of the place you are visiting.
  • Avoid the Maoist-infested areas.
  • In addition to this, having comprehensive travel insurance is essential as it will safeguard your finances from unexpected expenses during the trip. 

Travel insurance covers expenses incurred due to flight or hotel cancellation, baggage misplacement or theft, emergency medical charges, etc.

Indian Embassy in Nepal

During your vacation in Nepal, if you encounter any trouble, the Indian Embassy is Nepal to guide you through.