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All 14 Insurers in Nepal · Free · Independent

Compare All 14 Life Insurance Plans in Nepal
Side by Side 2026

Every one of Nepal's 14 insurers, side by side on what actually matters — claim settlement, premiums, and bonuses. See the whole market clearly and decide for yourself, free, in 60 seconds.

Which life insurance company is best in Nepal? There's no single "best" — it depends on what you weigh. On claims paid, Asian Life leads at 98.85% (Sun Nepal 98.71%, Prabhu Mahalaxmi 98.33%, NIA FY 2081/82). For price, term plans run cheapest. This page lays all 14 insurers side by side on claim ratio, premium, and bonus so you decide on the facts.

✓Data: NIA FY 2081/82  ·  Last reviewed: June 2026

All 14 Insurers At-a-Glance

Ranked by what matters — claims record, price, and bonus rate. Sort by our overall NLI Score or any single factor to find your match.

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Premiums shown for a 32-year-old, NPR 25 lakh cover, 15-year term. Source: Nepal Insurance Authority.

Or compare any 2–4 plans head-to-head

Shortlist from the table above, then put them side by side on premium, claims record, bonus rate and key features.

1
Set age & coverage

Pick your age, sum assured, and term. Prices update instantly.

2
Tap 2–4 plans to compare

Use a Quick Compare preset or pick manually. ★ Top Rated = best claims record + competitive pricing.

3
Review table & get a quote

Green cells = row winner. Hit Quote → to request a personalized premium illustration from an insurer.

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Frequently Asked Questions

About this comparison tool and life insurance in Nepal.

Set your age, coverage amount, term, and plan type using the filters at the top. Then select 2–4 insurers from the grid — or tap a Quick Compare preset to auto-fill the best in a category. Hit "Compare Selected" to see a side-by-side table covering premiums, claim settlement ratio, bonus rate, and key plan features. Green cells mark the row winner.
The NLI Score is our composite ranking of each insurer based on three factors: claims reliability (what percentage of filed claims were actually paid), affordability (annual premium relative to peers), and financial strength (the size of the insurer's life fund — the reserve pool that backs future payouts). It is designed to surface overall best value — not just the cheapest option, and not just the highest claim rate in isolation. Scores are updated each year when the Nepal Insurance Authority publishes new annual data.
A cheap policy from an insurer with a poor claims record can leave your family without a payout when it matters most. The claim settlement ratio — sourced from the latest annual reports — shows what share of filed death claims were actually paid. Even a small difference is significant: a 95% ratio means one claim in 20 goes unpaid; 99% means one in 100. Never choose on price alone.
Endowment and whole-life policies accumulate a reversionary bonus each year, declared per NPR 1,000 of sum assured. For example, a bonus of NPR 60 per thousand on a NPR 25 lakh policy adds NPR 15,000 to your maturity payout every year. A higher bonus rate means more money returned at the end of the term. It is a useful comparison point for savings-focused plans, but it should never override claims reliability.
Term insurance provides pure death cover for a fixed period — the cheapest option for maximum protection with no maturity payout. Endowment plans combine life cover with a savings element, returning premiums plus accumulated bonus at maturity. Whole-life cover extends for your entire lifetime rather than a fixed term. ULIPs link the investment component to market-traded units, so returns vary with fund performance — higher potential gain, higher risk. Money-back plans pay out a portion of the sum assured at regular intervals during the term rather than only at maturity.
All 14 NIA-licensed life insurers — including those with foreign joint-venture partners — operate under identical regulatory requirements set by the Nepal Insurance Act and supervised by the Nepal Insurance Authority. Solvency requirements, reserve rules, and claim payment obligations apply equally regardless of ownership structure. Use the claims settlement ratio and financial strength data in this comparison tool rather than ownership to judge reliability.
Premium estimates, claim settlement ratios, and bonus rates are sourced from the latest Nepal Insurance Authority annual reports. We review and update all figures each time the NIA publishes new data. Last updated May 2026.
Comparison tool maa teen main kura herna important cha: pahilo, Claims Paid Rate — insurer le kati percent claims pay garyo (98% bhandaa maathi ramro ho). Dosro, annual premium — same coverage ko sabhai sasto option. Tesro, bonus per thousand — endowment plan bhaneko maturity amount kitiko hola. Yee teenwata kura comparison table maa ekai thau dekhaucha, tyo herda plan choose garna dherai sajilo hunchha.
Generated by nepallifeinsurance.com — Compare all 14 NIA-licensed life insurers in Nepal. Free & independent. Data: Nepal Insurance Authority.
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