Nepal is a beautiful country nestled near the Himalayas. It is home to the highest mountain peak in the world - Mount Everest. Thrill seekers come here for adventurous treks to climb the Everest. This country has numerous religious temples and sanctuaries, and people often feel most relaxed on their trips to Nepal.
If you are planning a visit, book all your travel and stay arrangements in advance. Bring your best self along with you. And if you are planning an adventure, don’t forget your International travel insurance for Nepal trekking.
Some of the main features of Nepal travel insurance are listed below:
Key features | Details |
Extensive coverage | Covers against medical, journey and baggage-related issues. |
Cashless benefits | Offers cashless benefits through multiple network hospitals. |
COVID-19 coverage | Covers COVID-19-related hospitalisation. |
24x7 customer support | Around-the-clock prompt customer support. |
Quick claim settlements | Dedicated claims approval team for faster claim settlements. |
Wide coverage amount | Overall coverage amounts from $40K to $1000K. |
You can choose from the different types of travel insurance for Nepal in accordance with your trip requirements. The main options are;
Some of the essential benefits of having travel insurance for Nepal are:
In case of emergencies like natural calamities or political issues, you can ask your insurance company for emergency evacuation services. The company will ensure that you are swiftly picked up from your location and transferred back to your country.
Sometimes, a flight gets cancelled, or your trip is interrupted for any reason. If you have made any advance bookings for the further route, you are bound to lose them. But with travel insurance, you will be refunded at least a partial amount for those bookings.
If you encounter issues like trip cancellation, theft, or medical emergencies during your travel, you don't have to wait for normal working hours to claim your insurance. You can simply open the HDFC ERGO website and ask for assistance at any time of the day.
Medical bills in Nepal can get really expensive, especially if you opt for a high-end hospital. In such cases, your travel insurance will kick in. You can even get cashless treatment at one of the HDFC ERGO partner hospitals.
Protect your belongings from delays, loss, or damage during your international journey by getting Bhutan travel insurance.
Imagine the money that you would have to spend on replacing the lost luggage or booking another ticket for a last-minute cancelled flight. With travel insurance for Nepal, you won't have to pay for any of that because all of it is covered under the insurance plan.
Here are some of the things that are usually covered under travel insurance for Nepal from India;
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
Your travel insurance for Nepal from India policy may not offer coverage for:
Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.
Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.
Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
If you want to buy travel insurance online for Nepal, the following are the steps that you need to follow:
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveler details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travelers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Categories | Specification |
Geography | Nepal is bordered by India to the south, east, and west, and China to the north. It is home to 8 of the world's 14 highest peaks within just 150 kms. |
Culture | Nepal is a Hindu and Buddhist-majority country with a rich tapestry of over 80 ethnicities and over 123 languages. |
Climate | The Terai region in the south has a subtropical climate with hot summers and mild winters. The mid-hills have a temperate climate. The Himalayan region has cold temperatures and snowfall. |
Practices | Nepal follows a unique calendar system called Bikram Sambat, which is currently (as of April 2024) in the year 2071. |
Flag | Nepal's national flag is the only non-quadrilateral national flag in the world. It features two stacked triangles representing the Himalayan mountains and Nepal's two main religions: Hinduism and Buddhism. |
If you are an Indian national planning to visit Nepal for tourism purposes, you do not need to apply for a visa. But you do need to bring the following documents with you during your visit.
• Valid Indian passport
• Voter ID issued by the Government of India
• Emergency certificate issued by the Embassy of India in Nepal
If you have citizenship in one of the following countries, then you need to apply for a visa beforehand. Citizens of all the other nations can get a tourist visa upon arrival in the country.
• Nigeria
• Ghana
• Zimbabwe
• Swaziland
• Cameroon
• Somalia
• Liberia
• Ethiopia
• Iraq
• Palestine
• Afghanistan
• Syria
All nationals will need to provide the following documents to obtain a visa:
• Passport with at least six months of validity
• Money Order or Cashier’s Cheque valid for a year in the name of the Consulate General of Nepal
• A copy of mountaineering, trekking, or other related permits
• Copy of travel health insurance Nepal
If you want to travel to Nepal, here’s the best time to visit
The best time to visit Nepal for trekking and outdoor activities is during the peak season of October and November. The skies are clear, and temperatures are pleasant. The landscapes become beautiful, especially from the snowfall.
These are the perfect conditions for exploring the Himalayas. However, this time is the most crowded and expensive time. So book your stay and activities well in advance.
• Temperatures vary greatly depending on altitude. So pack clothes you can easily wear or remove as per the temperature.
• If you plan to trek or climb on uneven terrain, buy durable, waterproof hiking boots with good ankle support.
• Pack comfortable walking shoes or sandals for exploring the markets and other local areas.
• Bring a reusable water bottle with a filter or purification tablets because water in Nepal is not always safe.
• Power cuts are common in Nepal. So bring a flashlight with you. You can buy candles locally if needed.
• Nepal has round-prong plugs, so bring an adapter if you have flat-pin devices.
When visiting any new or another country, it is essential to take safety and precautionary measures to enjoy travel. Here are some measures to be taken when in Nepal:
• Carry your passport and insurance details with you at all times.
• Ensure you're up-to-date on recommended vaccinations like Hepatitis A and B, rabies, and Japanese encephalitis.
• Check weather forecasts before stepping out. If heavy rains persist in the monsoon season (June-August), landslides can occur.
• Keep an eye on your belongings, especially in crowded marketplaces or on public transportation. Petty theft is common in Nepal.
• Solo travellers, especially women, should exercise extra caution. Inform your hotel staff of your itinerary and avoid isolated areas at night.
• Nepal has a beautiful environment, so don't litter it. Carry a dustbin bag with you if you are planning to go off-road.
• Hire experienced and licensed guides and porters for trekking to ensure safety.
• Don't go outside of marked trails. Conditions can rapidly change in the mountain regions, and if you are lost, your rescue will get more difficult.
Here is a list of major international airports in Nepal:
City | Airport Name |
Siddharthnagar | Gautam Buddha International Airport |
Pokhara | Pokhara International Airport |
Kathmandu | Tribhuvan International Airport |
If you are looking for places to visit during your Nepal trip, consider the options mentioned below:
Kathmandu is the capital city of Nepal. It has numerous UNESCO World Heritage Sites, including the ancient cities of Kathmandu, Bhaktapur, Patan, Durbar Squares, Swayambhunath Stupa, and Boudhanath Stupa. These places are well known for their intricately carved temples, palaces, and pagodas.
Pokhara is a beautiful lakeside city situated in the shadow of the Annapurna mountain range. It is famous for the Phewa Lake and Devi's Fall. People come here to click amazing pictures and for adventure activities like trekking, paragliding, and boating. Consider staying at a homestay for an authentic experience.
Nagarkot hill station is located just outside Kathmandu. It offers stunning views of the Himalayas. On clear days, you can even spot Mount Everest. People come here to experience sunrise and sunset views over the mountains. You can plan a small hike and village walks in the surrounding countryside.
The Everest region in the north of Nepal is famous for its trekking routes. The Everest Base Camp Trek and the Gokyo Lakes Trek are two of the most famous routes in this region. Most people visit here to see Mount Everest, the highest mountain in the world. There are several other towering mountains like Lhotse, Nuptse, and Ama Dablam.
Lumbini is the birthplace of one of the prominent Buddhas - Siddhartha Gautama. It is one of the most important pilgrimage sites for Buddhists worldwide. The sacred garden in Lumbini is home to the Maya Devi Temple, Ashoka Pillar, and numerous monasteries built by Buddhist communities from around the world. This place offers a rich cultural and spiritual experience.
Chitwan National Park is located in the Terai region of Nepal. It is also a UNESCO World Heritage Site renowned for its rich biodiversity. The park is home to endangered species like Bengal tigers, one-horned rhinoceroses, and Asian elephants. You can enjoy jungle safaris, elephant rides, birdwatching, and cultural experiences with the Tharu communities.
Here are some popular things you can consider doing in Nepal during your visit
• Trek in the Himalayas on some of the most popular trekking routes including the Everest Base Camp Trek, Annapurna Circuit, Langtang Valley Trek, and Manaslu Circuit Trek.
• Experienced climbers can go peak climbing at Island Peak, Mera Peak, and Lobuche East.
• Do a jungle safari at Chitwan National Park and Bardia National Park.
• Go for white-water rafting and kayaking in Trishuli, Seti, Bhote Koshi, and Karnali rivers.
• Soar above Phewa Lake and the Annapurna Range by paragliding and hang gliding.
• Visit ancient temples, monasteries, and UNESCO World Heritage sites.
• Do mountain biking adventure through Nepal's rugged terrain.
• Enjoy Nepali culture and hospitality by staying in traditional village homestays.
• Attend cultural festivals like Dashain, Tihar, Holi, and Buddha Jayanti.
• Join a meditation or yoga retreat in the serene surroundings of the Himalayas.
• Explore local markets and shop for handicrafts like Thangka paintings, pashmina shawls, and hand-carved wooden statues.
If you are planning a Nepal trip on a tight budget, here are some tips you can follow to save money:
• Bargaining is very common in Nepal. You can bargain on everything, including hotel room rates, street food, transportation charges, and while shopping.
• For longer distances, take local buses instead of domestic flights. It takes longer, but it's significantly cheaper.
• You can often find lower prices on accommodations and tours if you travel during the off-season.
• Utilise ride-sharing apps like Pathao or Tootle for short commutes within cities.
• Many temples and cultural attractions have free entry. You can visit them to save on entry fees.
• Consider exploring local and off-beat places instead of popular tourist spots. These will be cheaper.
• Instead of eating in restaurants, look for hygienic street food stalls. These are usually cheaper.
Here are some popular Indian restaurants across Nepal that you can check out during your visit:
Western Tandoori & Naan House
Address: Amrit Marg, Kathmandu 44600 Nepal
Royal Garden Restaurant & Coffee House
Address: Keshar Mahal Marg KMC 29, Thamel, Kathmandu 44600 Nepal
Atithi Satkar Restaurant
Address: Amrit Marg, Kathmandu 44600 Nepal
Sarangi Vegetarian Restaurant
Address: Thamel -29 Shiva Complex, next to Kathmandu Guesthouse, Kathmandu, Nepal
Here are some important local laws and etiquette in Nepal that tourists should follow;
• Removing shoes before entering temples, monasteries, and people’s homes.
• Dressing modestly, especially while visiting religious places.
• Refrain from public displays of affection. It is frowned upon in Nepal.
• Avoid loud or disruptive behaviour in public places, which may be considered disrespectful.
• Photography is prohibited inside temples or at military installations. So, if you see a no photography sign, respect it.
• It's customary to eat with your hands in many parts of Nepal.
• Wash your hands with soap and water before and after meals.
• Purchasing and consuming marijuana is illegal in Nepal.
• The left hand is generally considered unclean, so use your right hand for eating and shaking hands.
• Images and statues of deities are considered sacred. Treat them with respect and avoid touching them.
Here are the Nepal-based Indian Embassy to look out for:
Nepal-based Indian Embassy | Working Hours | Address |
Embassy of India, Kathmandu | Monday to Friday, 9:00 to 17:30 NST | Kapurdhara Marg 336, Kathmandu 44600 |
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
Source: VisaGuide.World
International travel insurance makes flight delays, loss of baggage and other journey-related inconveniences less bothersome.
Travel insurance is not mandatory for Nepal but highly recommended, accessing essential medical benefits.
The travel insurance in Nepal price depends on the plan that you opt for. You can always use HDFC ERGO Premium Calculator to get the exact amount or get in touch with the Support team.
No, Indian medical insurance is not valid in Nepal. You need to buy separate travel insurance for Nepal.
Indians do not need visas for Nepal. So, there are no associated visa charges.
Most people are eligible for Nepal travel insurance unless they have an extremely serious medical condition. The final say will depend on the insurance company.