Disclaimer

Last updated: June 2026

Please read this disclaimer carefully before using beemaportal.com or relying on any information published on this website.

1. General Information Only

The content published on beemaportal.com including articles, guides, calculator results, comparison tables, company reviews, premium estimates, claim settlement ratios, and all other materials is provided for general informational and educational purposes only.

Nothing on this website constitutes professional financial advice, investment advice, legal advice, insurance advice, or any other form of professional advice. Before purchasing any life insurance product, you should:

• Consult a licensed insurance agent or broker registered with Nepal Beema Pradhikaran (NIA)
• Obtain and carefully read the official policy document from the insurance company
• Verify all premium rates, terms, conditions, and benefits directly with the insurance company
• Consider your personal financial circumstances and long-term goals

2. No Affiliation with Insurance Companies or NIA

beemaportal.com is an independent website. We are not affiliated with, owned by, endorsed by, or sponsored by any of the 14 NIA-licensed life insurance companies in Nepal, or by Nepal Beema Pradhikaran (NIA).

3. Premium Estimates Are Approximate

Premium figures shown on this website are estimates based on publicly available data, company brochures, and NIA publications. Actual premiums depend on your age, health, occupation, sum assured, policy term, and the specific plan chosen. Always obtain an official quote from the insurance company before making any purchasing decision.

4. Claim Settlement Ratios May Vary

We calculate the claim settlement ratios shown here ourselves from Nepal Beema Pradhikaran annual reports and company disclosures (NIA does not publish an official per-company ratio). These figures are historical and may not reflect current performance. Past claim settlement ratios do not guarantee future claim outcomes.

5. Accuracy & Corrections

We work hard to keep every figure on this site — premiums, claim ratios, and plan details across all 14 NIA-licensed insurers accurate and up to date. Our process combines AI-assisted research with human fact-checking against primary sources, including Nepal Insurance Authority reports and the insurers’ own policy documents.

Even so, insurance products and rates change often, and no source is perfect — a figure may occasionally be out of date or incomplete. That is why every estimate is illustrative, not a quote.

Spotted something that looks wrong? Please tell us it genuinely helps us serve every reader better. Email info@beemaportal.com or use our contact form, and we will review and correct it as quickly as we can.

6. No Liability

beemaportal.com, its owner, and its contributors accept no liability for any loss, damage, or financial consequence arising from reliance on information published on this website. All decisions regarding insurance purchases are made entirely at your own risk.

7. Data Collection

beemaportal.com collects limited personal information in the following circumstances:

• Quote and lead forms: When you submit a premium enquiry or quote request, we collect your name, phone number, email address, and insurance preferences. This information may be shared with a licensed NIA-registered insurance agent to assist with your enquiry.
• Plan Finder (Decision Engine): When you use our Plan Finder tool, we additionally collect your estimated monthly income range, number of dependents, primary financial goal, investment time horizon, risk comfort level, and existing insurance status. This data is used solely to generate your plan recommendation.
• Contact form: When you contact us directly, we collect your name, email address, and message content, used solely to respond to your enquiry.
• Agent directory: When you unlock an agent’s contact details, we record your name, email address, and which agent profile you accessed. This log is used for agent performance reporting only and is not shared with third parties.
• Premium reminder subscriptions: When you subscribe to our premium reminder service, we collect your name, email address, policy number, and premium due date. This is used solely to send you renewal reminder emails. You can unsubscribe at any time via the link in any reminder email.
• Analytics: We use Google Analytics to collect anonymised traffic data (pages visited, time on site, general location). This data does not identify you personally.

We do not sell, rent, or share your personal data with insurance companies or any third party beyond the agent referral described above. Transactional emails (form confirmations, reminders) are delivered via Third pary email providers. For full details on how your data is stored, used, and protected, please read our Privacy Policy.

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Data Sources & Methodology

Claim Ratios

Sourced from NIA Annual Report FY 2081/82, Schedule 14 & 15. Formula used: Claims Paid ÷ (Claims Paid + Claims Outstanding) × 100. These are amount-based ratios, not count-based. Data is updated annually when NIA publishes its report.

Premium Estimates

Premium figures shown on this site are estimates derived from NIA product filings and company rate cards. Actual premiums depend on individual health, occupation, policy terms, and insurer discretion. Always obtain an official quote directly from the insurer or a licensed agent before purchasing.

Bonus Rates

Bonus rates are from NIA FY 2080/81 declarations and are subject to annual revision by each insurer’s board. Past bonus rates do not guarantee future bonus payments.

Independence

beemaportal.com is an independent comparison resource. We are not affiliated with, endorsed by, or financially connected to any of the 14 insurers listed. All 14 are presented side by side using published Nepal Insurance Authority data, scored by the same formula, in plain language. Agent listings are currently free, and any ads or sponsored placements we show are clearly labelled and never change how companies are scored or ranked.