Travel Insurance for Nepal

The mighty trails of Mount Everest, the sacred Pashupatinath Temple in Kathmandu and the peaceful monasteries of Lumbini make Nepal a destination that blends adventure with deep spirituality. For Indian travellers, the shared cultural ties, religious significance and visa-free access add to the appeal.

But even the most well-planned journey can face disruptions. For instance, if your connecting flight to Lukla is delayed due to dense fog or high winds, you may incur unexpected costs for rebooking or additional hotel stays. With IndusInd travel insurance (formerly known as Reliance General Insurance), these extra expenses are covered with our trip delays/cancellation coverage.

Now, imagine arriving at Tribhuvan International Airport and discovering your checked-in baggage is missing. Our policy helps you purchase essential items, allowing your trip to continue comfortably.

Our travel insurance plans are designed for real-time challenges faced in all kinds of destinations. With features like cashless claims via the IndusInd Insurance App, help is just a tap away, even in remote or high-altitude locations. So whether it is for faith or adventure, your trip to Nepal is secured.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

The best journeys are filled with exciting discoveries and unforgettable experiences. But even the most carefully planned trips can face unexpected disruptions. IndusInd Travel Insurance provides the reassurance millions of Indians rely on to travel with greater confidence.

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$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Nepal

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Nepal Travel Insurance

Medical Coverage

Are you planning treks to the Annapurna Circuit or exploring the passes of the Everest Base Camp? Such high-altitude spots may lead to altitude sickness. However, with high medical coverage of up to USD 500,000*, you can enjoy your trip by getting the required medical attention, even for emergency dental treatments of up to USD 500*.

Passport Loss

Imagine losing your passport while navigating crowded festivals like Dashain in Pokhara or during a busy market day in Bhaktapur. We cover up to USD 300* incurred during reporting the loss, courier charges and for reissuing your passport. We ensure you get your passport back without any hassles, guiding you throughout the process.

Flight Delays & Missed Connections

Mountain weather around Lukla or Pokhara can ground flights without notice, causing you to miss onward connections or a flight back home. We provide up to USD 60 per day* for delays over 12 hours and reimburse prepaid costs, such as mountain lodge stays or guided tour bookings that you miss because of flight disruptions.

Baggage Loss and Delay

You arrive at Tribhuvan International Airport eager to start your trek, only to find your bags haven’t landed with you. For baggage delays exceeding 12 hours, you can claim up to USD 100* for buying essentials. For total loss, we reimburse up to USD 1,500* so you can replace gear, clothes and toiletries and continue your adventure.

Personal Liability Insurance

Roaming through the busy markets in Thamel from one handicraft store to another? Crowded shops can lead to accidental damage, such as breaking a famous singing bowl, which can result in expensive compensation. Our personal liability cover of up to USD 250,000* ensures you’re protected against compensation demands in Nepal’s legal system.

Emergency Cash Assistance

Imagine your wallet goes missing on a jungle safari in Chitwan or while buying permits in Namche Bazaar, remote areas where ATMs are rarely found. We provide up to USD 300* in emergency cash assistance to cover guide or porter payments, teahouse stays, and local transport until you can access your funds again.

Key Features

Key Features of IndusInd Nepal Insurance

Individual Travel Plan

Whether it is a solo trek in Nepal or a spiritual journey in Kathmandu, your adventure is secure with IndusInd travel insurance plans. We offer a wide range of coverage, including trip delays and cancellations, missed connections and baggage delays, ensuring your solo adventure turns into a fond memory.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Is Nepal the next destination for your family getaway? Our family plan will ensure a smooth experience by covering all your loved ones under a single policy. The shared coverage of up to $250,000* and other insurance benefits will reduce the hassles of buying separate individual policies for each member.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Inlcusion Exclusion

IndusInd Nepal Insurance: Inclusions & Exclusions

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What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Nepal Travel Insurance?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

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Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Nepal as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Nepal travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Nepal Travel Insurance ?

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Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

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Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Visa for Nepal from India

Indian citizens do not need a visa to visit Nepal. However, you must have a valid passport and a voter ID card if you are flying by air from India.
Moreover, you can also visit Nepal by bus or train via multiple routes from Delhi, Varanasi, Kolkata, Gorakhpur, Patna and so on.

For Adults

Valid Indian passport (Original)
Voter ID issued by the ECI (Election Commission of India)
Emergency certificate granted by the Embassy of India in Kathmandu

Standard OPD Cover: These plans typically cover basic out-patient expenses such as doctor consultations, diagnostic tests, and medicines.

For Children (Below 18 yrs)

Valid Indian passport or official birth certificate.
School ID card or a signed and sealed letter from the school as a supporting document

Standard OPD Cover: These plans typically cover basic out-patient expenses such as doctor consultations, diagnostic tests, and medicines.

Embassy of Nepal in India and Indian Embassy in Nepal

Parameteres	Embassy of Nepal in India	Embassy of India in Nepal
Location	New Delhi, India	Kathmandu, Nepal
Address	1, Barakhamba Road, Vakil Lane, Mandi House, New Delhi - 110001	Kapurdhara Marg 336, Kathmandu 44600
Contact Number	+91 11 2347 6200	+977-1-4423702
Email Address	eondelhi@mofa.gov.np	https://in.nepalembassy.gov.np/
Website	https://in.nepalembassy.gov.np/	https://www.indembkathmandu.gov.in/
Operating Days	Monday - Friday	Monday - Friday
Operating Hours	9 AM to 1 PM & 2 PM to 5 PM	09:00 AM - 5:30 PM (NST)

Best Time to Visit Nepal

October to November

What to Expect: Post-monsoon skies are crystal clear, landscapes are lush, and weather is cool and dry, with temperatures ranging from 18-22°C.

Perfect For: Everest and Annapurna treks, Dashain and Tihar celebrations, wildlife safaris.

Tourist Flow: High

Flights & Hotel Rates: High

Return Airfare from India: ₹45,000–₹75,000*

Keep in Mind: Book treks, flights and stay early, as this is Nepal’s busiest tourist season.

March to September

What to Expect: March to May offers spring blooms and stable weather, and June to September brings monsoon rains and humid conditions.

Perfect For: Spring treks in lower altitudes, exploring Kathmandu Valley, visiting Mustang (rain-shadow region).

Tourist Flow: Moderate in spring, low during monsoon

Flights & Hotel Rates: Moderate to Low

Return Airfare from India: ₹35,000–₹65,000*

Keep in Mind: Trekking is great till May, but expect delays and slippery routes from June onward due to rain.

December to February

What to Expect: Cool, dry days in the south; freezing nights and snow at high altitudes, but excellent mountain visibility.

Perfect for: Low-altitude treks, sightseeing in Kathmandu and Pokhara, Chitwan safaris.

Tourist Flow: Moderate to Low

Flights & Hotel Rates: Moderate to Low

Return Airfare from India: ₹40,000–₹70,000*

Keep in Mind: Avoid high-altitude treks without proper gear because some trails may be closed due to snowfall.

Interesting Facts About Nepal

First Heading

Mountain Ranges: Nepal is home to Mount Everest and seven of the world’s ten highest peaks, making it a dream for Indian trekkers.

UNESCO Sites: Kathmandu Valley has seven UNESCO World Heritage Sites, all located close to each other, ideal for cultural explorers

Most Unique Flag: Nepal’s flag is unique. It’s the world’s only non-rectangular national flag with two triangular shapes.

Buddha’s Birthplace: Lumbini in Nepal is Lord Buddha’s birthplace, drawing spiritual travellers from across India

Culturally Rich: Over 125 languages and 142 ethnic groups live in Nepal, offering a rich blend of cultures and festivals.

Range of Experiences: Nepal’s elevation ranges from 60 m to 8,848 m, letting you experience jungles and snow-clad peaks in one tri

Welcoming to Tourists: Tourism contributes 25% to Nepal’s GDP, making every visitor a part of the local economy

National Sport: Volleyball is Nepal’s national sport, not cricket—a fun surprise for Indian visitor

Living Goddess: Nepal worships a living goddess, the Kumari, who appears during special processions in Kathmandu.

Deep Gorges: Nepal has one of the world’s deepest gorges, the Kali Gandaki, plus record-setting lakes and valleys perfect for adventure lovers.

Essential Apps for Nepal Trip

Translation

Getting around Nepal is easier when you understand a few local phrases. Use Google Translate for quick English–Nepali translation. Use the Hamro Nepali Dictionary app and SimplyLearnNepali to learn common phrases easily.

Accommodation & Hotel Booking

Whether you’re staying near Phewa Lake in Pokhara or close to Boudhanath Stupa in Kathmandu, Booking.com and Agoda offer verified stays and INR payment options. Budget travellers can also use OYO Nepal, which is popular among Indian tourists for short and budget hotel stays.

Navigation

For exploring cities and trekking trails, Maps.me offers detailed offline maps of remote routes like Annapurna. Google Maps, Maps.me and GPSMyCity work well for in-city navigation in Kathmandu, Pokhara and Lumbini. Baato Maps gives information about public bus routes.

Transport

In cities like Kathmandu, InDrive, Taximandu, and Pathao are reliable for booking bike taxis or cars at fair rates. Tootle, a local favourite, lets you book scooty rides for short-distance commutes and is perfect when traffic is heavy.

Sightseeing and Events

The Travel Nepal+ app lets you book hotels, buses, and activities. It also offers offline maps and guides. The official Nepal Guide Info is another handy app to find certified trekking guides and organise hiking trips across Nepal. For trekkers, use Windy or Honeyguide for information about your treks.

Food Delivery

Craving local food after a long trek or city tour? Foodmandu and Bhoj are go-to food delivery apps in Kathmandu and Pokhara, while Mero Kirana is ideal for groceries if you’re staying in an Airbnb or guesthouse.

Key Takeaways

Nepal offers breathtaking views of the Himalayas, including Mount Everest, lush green landscapes and vibrant cultures. Nepal is home to diverse ethnicities, spiritual sites like Pashupatinath Temple and Lumbini and colourful festivals. With visa-free entry for Indians, Nepal offers easy access to all of its spectacular beauty, making it the best destination to visit near India.

In 2024 alone, over 3.17 lakh Indian tourists visited Nepal, making India its largest source of foreign visitors, as per the Nepal Tourism Board. However, with increasing tourism, there is also an increased risk of lost belongings in crowded places like Thamel, especially in the peak trekking season.

Moreover, frequent flight delays at airports like Lukla, due to sudden weather shifts and low visibility. It can disrupt your onward journey to Everest Base Camp and your journey further.

That’s why it’s important to secure your trip with travel insurance that covers everything from missed flights and lost baggage to natural event disruptions. With IndusInd Travel Insurance for Nepal, you get instant claim filing through the IndusInd Insurance App, 24/7 emergency assistance, and budget-friendly coverage starting at just ₹306*.

Whether you're visiting Kathmandu, trekking the Annapurna Circuit or exploring offbeat hill towns, travel with peace.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Travel Smart in Nepal with IndusInd Travel Insurance

Comprehensive coverage for medical emergencies, trip cancellations, delays, and baggage loss during your Nepal trip.

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I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

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Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

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From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

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Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

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Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Do I need travel insurance for Nepal?

It is not mandatory for you to have travel insurance while visiting Nepal. However, we highly recommend buying travel insurance before your trip, especially if you’re planning to trek in the Himalayas or explore remote regions. In addition, delays are common at airports like Lukla due to unpredictable weather, and medical costs from altitude sickness or injuries during trekking can be expensive. Travel insurance can ensure sufficient coverage for unexpected emergencies, such as flight cancellations, baggage delays or any medical emergency.

Can I enter Nepal with an Aadhaar card?

No, an Aadhaar card is not accepted for international travel. Indian citizens must carry either a valid passport or a voter ID card issued by the Election Commission of India to enter Nepal.

What are some safety precautions to follow in Nepal?

Avoid trekking alone, especially in remote areas. Stay updated on weather conditions if travelling to high-altitude zones. Be cautious with food and drinking water—use bottled or purified water. Keep emergency contacts handy and register with your local embassy if needed. The weather is quite unpredictable in Nepal. So, before planning your outdoor adventures, consider checking the weather forecast reports. You can also download the Windy app for weather forecasts.

What is the cost of travel insurance for Nepal?

Our travel insurance for Nepal starts at 306*, but the cost depends on multiple factors: Single Vs Annual Multi-trip Insurance: The choice between a single-trip and multi-trip plan affects the premium costs. Sum Insured: Choosing a higher sum insured can lead to higher premiums, but ensures all-around financial coverage in the event of emergencies. Trip Duration: Your premiums will be higher for longer travel durations and lower for short trips. Type of Coverage: Your Nepal travel insurance premiums depend mainly on the level of coverage and type of risks you have covered with your policy. Type of Policy: If you opt for a specialised plan, such as senior citizen travel insurance, your premiums will be slightly higher. On the other hand, plans like family travel insurance have lower premiums due to shared benefits.

What documents are required to visit Nepal from India?

Indian citizens do not require a visa to travel to Nepal. You only need a valid Indian passport and original voter ID with your photograph to enter Nepal via air. If you are travelling by road, you need to obtain applicable permits at the Indo-Nepalese border.

Is INR accepted in Nepal?

Yes, INR is widely accepted in Nepal. However, only denominations of ₹100 are accepted. In addition, it is recommended that you get some of your currency converted into Nepalese rupees for domestic transactions, especially if you are visiting remote areas.

Is Nepal visa-free for Indian travellers?

Yes, Nepal is visa-free for Indian nationals. Indians can enter, stay, and work in Nepal without a visa, but they must carry valid identification (passport or voter ID) for entry.

What are some of the essentials to pack for a Nepal trip?

Passport, Voter ID and Permits Tickets and booking receipts Layered clothing and a winter jacket Weather-appropriate, like raincoats Trekking gears (if you are planning to go on treks) - Trek pants, Trekking shoes, Flashlight or headlamp Maps/guides/GPS First-aid kit Sunscreen Universal power adapter Powerbank Local Currency Indian currency in specific denominations