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Published in regulatory compliance with Insurance Act 2079, Section 5 and the Transparency Dashboard Framework, 2083.

Transparency Dashboard

This dashboard publishes the company's performance, business and financial position in a timely, publicly accessible manner. Data is presented as per the Transparency Dashboard Framework, 2083.

Last updated: Source: Internal MIS

Active policies · FY 2083/84

Gross premium

Claim settlement ratio

Solvency ratio (RBC)

01

Claim Related Information

Update frequency: Monthly

Data is not available for this selection.

Try the full-year or all-provinces view — some indicators are published at annual or national level only.

02

Policy & Premium Information

Update frequency: Monthly

Data is not available for this selection.

Try the full-year or all-provinces view — some indicators are published at annual or national level only.

03

Grievance Redressal

Update frequency: Monthly

Data is not available for this selection.

Try the full-year or all-provinces view — some indicators are published at annual or national level only.

04

Product Information

As updated

Property Micro Insurance

Property

SM-PR-101

Protects homes and small shops against fire, lightning, earthquake and storm damage with quick micro-claim settlement.

Key benefits
  • Home / shop structure damage protection
  • Contents and stock cover up to sum insured
  • Fast-track settlement for micro claims
Major exclusions
  • Flood (available as separate add-on)
  • Wilful damage or gross negligence
Waiting period: NoneRs. 300–8,000/year

Motor Protection Plan

Motor

SM-MT-204

Covers two-wheelers and light vehicles against accident, theft and third-party damage.

Key benefits
  • Accident, theft and damage cover
  • Third-party liability protection
  • Cashless repair at partner workshops
Major exclusions
  • Mechanical or electrical breakdown
  • Driving without a valid licence
Waiting period: NoneRs. 500–12,000/year

Burglary Insurance

Burglary

SM-BG-310

Compensates shops, godowns and stalls for losses from burglary and housebreaking.

Key benefits
  • Stock / shop burglary compensation
  • Damage to premises during break-in
Major exclusions
  • Civil war, riot and strike losses
  • Unexplained inventory shortage
Waiting period: 15 daysRs. 200–6,000/year

Accident Insurance

Accident

SM-AC-405

Personal accident cover with medical, disability and accidental death benefits for the whole family.

Key benefits
  • Medical expense reimbursement
  • Permanent / temporary disability benefit
  • Accidental death benefit to family
Major exclusions
  • Pre-existing medical conditions
  • Self-inflicted injury
Waiting period: NoneRs. 150–4,500/year

Marine Cargo Insurance

Marine Cargo

SM-MC-502

Protects goods in transit by road, rail or air within and outside Nepal.

Key benefits
  • Transit loss or damage cover
  • Loading / unloading accident cover
Major exclusions
  • Improper or insufficient packaging
  • Inherent vice of the goods
Waiting period: NoneRs. 400–9,000/year

Withdrawn / discontinued products

CodeProductDiscontinuedReason
SM-PR-088Property Savings Lite (Old)2081 Poush (२०८१ पुष)Product restructuring
05

Branch & Network Information

As updated
Branch offices
78
Licensed agents

Branch directory

Location and contact details of every branch office

View all
ProvinceBranch offices
Koshi10
Madhesh18
Bagmati15
Gandaki6
Lumbini16
Karnali5
Sudurpashchim8

Branches by province

06

Financial Strength & Solvency

Update frequency: Quarterly / Annually

Data is not available for this selection.

Try the full-year or all-provinces view — some indicators are published at annual or national level only.