Life insurance in Nepal, from wherever you work
You are working hard abroad to protect your family back home. You should be able to protect them with the right life cover too, without guessing. This page names the questions that actually hold people back, and points you to a straight answer for each.
Some answers depend on the exact policy and the law, and we will not guess. Where the honest answer is "it depends on your policy", we send you to a real source: the Assistant, which answers from actual policy text and cites where it says so. Where the answer depends on an insurer's own practice rather than the wording, we will go and ask them — that is what the "ask us" links do. Verified answers to all six questions below are being prepared.
The questions that hold people back
These are the right things to worry about. Here is how to get a real answer for your own situation.
Will it pay if I die abroad or in a work accident?
The honest answer is in the policy wording, and it can differ by insurer and product. This is the question to settle before you sign anything.
Ask the AssistantCan I buy from abroad without flying home?
Whether a fully remote purchase is open to you depends on the insurer and the current rules. This is an insurer-by-insurer practice question, so ask us and we will go and find out rather than guess.
Ask us and we will checkHow do I pay the premium from abroad?
Payment channels, currency, and who is allowed to pay vary by insurer. Worth confirming in writing before the first due date — ask us and we will check the ones you are considering.
Ask us and we will checkCan my family in Nepal manage or pay it for me?
Often a family member can pay on your behalf, but the details (and who can change the policy) depend on the insurer. Confirm before you rely on it.
Ask the AssistantIf I die abroad, how does my family claim?
The documents and the process for a death outside Nepal are not the same as a claim at home. Knowing the steps in advance protects your family.
Ask the AssistantIs there a plan made for foreign-employment workers?
There are products aimed at people working abroad. The Assistant can tell you which insurers publish such a plan and cite where it says so.
Ask the AssistantWhat to ask before you buy
Save this list. Ask every one of these before you pay, and get the answers in writing.
- Does this policy cover death that happens outside Nepal? Get the answer in writing.
- Are there exclusions for my country, my job, or for war / accident? Ask for the exact clause.
- What currency and what channels can I use to pay the premium from abroad?
- If a payment is late while I am abroad, how long is the grace period?
- Who can pay or manage the policy for me if I cannot?
- If I die abroad, exactly what documents will my family need, and how long does a claim take?
- Is the person I am buying from a verified, licensed advisor?
Plan it with the tools
Want the long version? Read the full guide for Nepalis working abroad →
Ready to take the next step?
Start with five questions to find a matched plan, ask the Assistant anything in plain language, or learn how to check for yourself that whoever sells to you is licensed.