RICBL Kidu Health Insurance

by Royal Insurance Corporation of Bhutan

★★★☆☆3.8(680 reviews)

RICBL Kidu Health Insurance is offered by the Royal Insurance Corporation of Bhutan, the country's only state-owned insurer, providing supplemental coverage for private hospital care in Bhutan and specialist treatment referrals to hospitals in India.

Monthly Premium

BTN 800 – BTN 3,500

Deductible

BTN 2,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✓International Coverage

✗Telehealth

Pros

✓Only private supplemental health insurer operating in Bhutan
✓Covers India referral treatment costs, a critical benefit given Bhutan's specialist gaps
✓Government-linked insurer provides strong institutional trust

Cons

✗Very limited product range due to Bhutan's small and regulated insurance market
✗Claims services entirely manual with no digital platform
✗International coverage beyond India referral centers not available

Editorial Review

“RICBL Kidu Health Insurance occupies a unique position as Bhutan's only health insurance product, filling the gap between Bhutan's free but limited public healthcare and the specialist care many Bhutanese citizens must access across the border in India.”

— Kuensel Bhutan Business Review, 2024

Key Highlights

✓Royal Insurance Corporation of Bhutan, the country's sole state-owned insurer
✓Coverage for government-referred treatment at specialist hospitals in India
✓Covers private hospital care in Thimphu and Paro beyond free government services