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कोविड दावीको लागी आवश्यक कागजातहरु
  कोविड दावी फारम
Claim Intimation
Hari Prasad Upadhaya/ Amir Bista - 9801237717

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Deepu Khadka - 9801237718

Viber/ Whatsapp, Messenger and IMO related documents and fast track claims
Sunil Luhar - 9801235128
Covid - 19 Claim


Akash Bhat - 9802320830
Daruin Joshi - 9802336451
१ बीमालेखको प्रति
२ पूर्ण रुपले भरेको दावी फारम
३ होम आइसोलेसनमा बसेको खण्डमा स्थानीय निकायबाट प्रमाणित कागजात
४ अस्पताल र / वा क्वारेन्टिनमा बसेको खण्डमा डिस्चार्ज सिट
५ नेपाल सरकारको आधिकारिक परिचयपत्र जस्तै नागरिकताको प्रतिलिपि
६ पिसीआर रिपोर्टको सक्कल प्रति
७ उपचारको खण्डमा सो को बिल र / वा नगदी रसिदको सक्कल प्रतिहरु
  • Location - Head Office

    Shikhar Biz Centre,Thapathali,
  • Working Hours

    9:30-5:30pm (Sunday-Friday)
    9:30-1:30pm (Friday) Branches Only
  • Phone No.

    01-5346101 (Head Office)
    01-5970010 (call center)

Health Insurance

Shikhar Insurance Company Ltd. (SICL) is an established General Insurance Company promoted by a young team of reputed Industrial and Business Houses involved in various fields like Aviation, Banking, Manufacturing, Trading, Travel Trade, Media Houses etc.

Health Insurance covers a whole range of expenses and offers Cashless Treatments in 28 listed hospitals in Nepal and over 4,000 hospitals all over India. In case the hospital is a part of the provider network, cashless facility will be granted otherwise, reimbursement facilities will be applicable. It can be taken by individuals, couples, family and corporate employees.

The benefits of this insurance are:

  • In-Patient Treatment
  • 150 Day Care Procedures/Treatments
  • From 30 Days Pre-Hospitalization Medical Expenses
  • To 60 Days Post–Hospitalization Expenses


  1. In-Patient Treatment (Hospitalization)

Covers hospitalization expenses incurred as an in-patient in a Hospital which will include:

  • Room, Boarding and Operation Theatre charges
  • Fees of Surgeon, Anesthetist, Nurses, Specialists
  • The cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc.

In-Patient Treatment requires a hospitalization for a minimum period of 24 hours.

2. Day Care Procedures/Treatments (Hospitalization less than 24 hrs.)

Due to advancement of technology, hospitalization expenses for certain treatments / diseases (150 daycare surgeries )  are also covered, even though the hospitalization is for less than 24 hours.

3. Pre-Hospitalization and Post-Hospitalization Expenses

  • Pre-hospitalization Medical Expenses incurred by Insured for a 30-day period immediately prior to Hospitalization
  • Post-hospitalization Medical Expenses incurred by Insured for a 60-day period immediately post Hospitalization.


  1. Permanent Exclusions
  2. 4 Years for Pre Existing Diseases
  3. 2 Years Waiting Period for Certain Treatment
  4. Medical Expenses Incurred Within 30 Days of Inception of the Policy
  5. Non medicalexpenses (i.e Sanitary napkins, towels, Tooth brush, Birth Certificate, Thermometer e.t.c)
  6. Ambulance  Charges
  7. Higher Category room (i.e. suites however this does not apply to single standard AC room/ Cabin)

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