Nepal Health & Term Insurance Claim Document Checklist

Crucial 24-Hour Rule: Most insurers in Nepal (licensed by Nepal Insurance Authority / Beema Samiti) mandate written or telephonic intimation within 24 to 48 hours of hospital admission. Delay in notice is the #1 cause of claim processing rejection.

1 Hospitalization & Discharge Paperwork

Original Discharge Summary (डिस्चार्ज सारांश)

Signed and stamped by attending physician and Medical Superintendent, detailing chief complaints, diagnosis, and treatment procedure.

Itemized Hospital Final Bill with Tax Invoice

Detailed breakdown of bed charges, ICU, surgery, nursing fees, and doctor consultation along with VAT/PAN invoice receipt.

Diagnostic Investigation Reports

All lab tests, X-rays, MRI, CT Scans, biopsy, or ECG reports supporting the diagnosed condition.

2 Pharmacy & Follow-up Prescriptions

Doctor's Prescription for All Medicines

Insurers reject medicine bills if not explicitly prescribed in the doctor's handwriting or printed prescription pad.

Original Pharmacy VAT Invoices

Cash memos or computerized tax receipts matching exact medicine names, batch numbers, and dosage dates.

3 Policy & KYC Documentation

Insurance Claim Form Fully Completed

Filled with accurate Policy Number, Insured's Name, Bank Account Details (for direct NEFT/ConnectIPS payout), and signed declaration.

Citizenship Copy & Canceled Cheque

Clear copy of Nepali citizenship card and bank account proof showing account holder name and account number.

Health & Life Insurance Claim Document Dossier

Original Discharge Summary (डिस्चार्ज सारांश)

Itemized Hospital Final Bill with Tax Invoice

Diagnostic Investigation Reports

Doctor's Prescription for All Medicines

Original Pharmacy VAT Invoices

Insurance Claim Form Fully Completed

Citizenship Copy & Canceled Cheque