For Other Claim
For Covid-19 Claim
कोविड दावीको लागी आवश्यक कागजातहरु
कोविड दावी फारम FAQs Right Share Eligibility Check
For Claim Intimation / Claim registration:
Claim Registration:- 9801237717 & 9802336465
(Niraj Shakya, Saroj Kumar Singh & Amir Kumar Bista)

For Commercial Vehicle Claim:
Screening & Processing:- 9801237718 & 9802320819
(Siumal Kumar Shahi, Deepu Khadka & Ajay Banjade)

For Private Vehicle Claim:
Screening & Processing:- 9802320818
(Sunil Luhar & Babi Shree Rayamajhi)

For Motorcycle Claim:
Screening & Processing:- 9802320821
(Pabitra Nepal)

For Viber/Whatsapp & Fast Track Related Claim:
9801235128 (Only For Messages & Documents)
Covid - 19 Claim

Email: covid@shikharinsurance.com

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,
    Kathmandu,Nepal
  • Working Hours

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

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

Insurance Glossary


In this section, you will find the word meaning of various terms related to Insurance.


Accident:

A mishap or an untoward event that is not expected or designed.

Deductible or Excess:

The amount of a loss agreed to be borne by the insured himself.

Hazard:

Hazard is the condition which may create or increase the chance of loss arising from any peril.

Insurance:

Insurance helps to indemnify the financial loss of high value in return for payment of a comparatively less amount of money (premium). It is the process of sharing of financial loss of the ‘few’ from a common fund created by the contribution of ‘many’ equally exposed to the same risk.

Insured:

The party who seeks protection against a particular risk and is entitled to receive money from the insurer in the event of the happening of the stated contingency is known as the insured. An insured is generally a policyholder.

Insurer:

The Party which agrees to pay money on the happening of a contingency is known as the insurer. Mostly, the insurers are Insurance Companies.

Nominee:

A nominee is a person designated by the policyholder to receive the proceeds of an insurance policy upon the death of the insured.

Peril:

Peril is the cause of loss. For example fire, earthquake, etc.

Policy:

The document which contains the terms and conditions of the insurance contract is termed the insurance policy.

Premium:

The amount which is paid by the insured to the insurer as consideration of the insurance contract is known as the premium. In simple words, a premium is the price of insurance.

Reinsurance:

When insurers insure a risk again, it is called reinsurance. Reinsurance is the mechanism of risk transfer from the insurers to the reinsurers. Reinsurers can be direct insurers and/or specialized reinsurance companies. As insurance is a contract between the insured and insurers, Reinsurance is a contract between insurers and reinsurers.

Risks:

Risks are uncertainty about financial loss. There are two types of risks. First is the Speculative Risk where financial loss is difficult to measure and cannot be insured. Second is a Pure risk where the financial loss can be measured and can be insured.

Salvage:

Property which is saved from loss or damage.

Sum Insured:

The monetary limit of liability of insurers.