NLIC Care Health Plan

by National Life Insurance Company Nepal

★★★☆☆3.7(1,560 reviews)

NLIC Care Health Plan is a basic hospital cash insurance product from Nepal's state-linked National Life Insurance Company, providing affordable income replacement during hospitalization to Nepali households across all 77 districts.

Monthly Premium

NPR 1,500 – NPR 6,000

Deductible

NPR 3,000

Coverage Type

basic

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Coverage Details

✓Hospitalization

✗Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Lowest premium entry point for private health protection in Nepal
✓Hospital cash benefit accessible across admitted facilities
✓Nationwide agent network through all 77 districts of Nepal

Cons

✗Very basic benefit scope; primarily hospital cash only
✗No outpatient, dental, or specialist coverage included
✗Claims process entirely paper-based

Editorial Review

“NLIC Care Health Plan serves as Nepal's most accessible entry point to private health protection, reaching rural households across all 77 districts where other insurers have no presence.”

— Nagarik Nepal Finance, 2024