A sudden illness or accident doesn’t just affect your health; it can also bring unexpected financial pressure. From hospital bills to medical tests and treatments, expenses can quickly add up when you least expect them. These costs can become overwhelming, but being prepared in advance can make all the difference.
To help you stay prepared, eSewa brings you Sahara Health Insurance, in partnership with Shikhar Insurance Company. This plan is designed to support you during medical emergencies, so you can focus on recovery while your insurance helps manage the costs.
What is Sahara Health Insurance?
Sahara Health Insurance is a 1-year health insurance plan that covers hospitalization and related medical costs. By paying an affordable premium based on your selected package, you can secure financial protection for yourself or your family against unexpected health issues.
Insurance Coverage
| Coverage Topic | Coverage Amount |
| Medical Expenses | Rs. 100,000/ Rs 200,000/ Rs 500,000 |
| Accidental Treatment | Rs. 100,000 |
| Accidental Death | Rs. 100,000 |
| Funeral and Transport Expenses | Rs. 20,000 |
Why choose Sahara Health Insurance?
- Protects you from unexpected medical expenses
- Affordable and flexible coverage options
- Provides cashless hospitalization across network hospitals in Nepal
- Easy purchase with no paperwork
- Peace of mind for you and your family
Inclusions and Exclusions
What’s covered by Sahara Health Insurance?
In-Patient Hospitalization:
- This covers expenses when you’re admitted to a hospital for at least 24 hours.
- It includes room charges (single standard AC room/cabin), doctor and nurse fees, operation theater costs, and expenses for diagnostic tests, medicines, blood, and medical appliances.
Day Care Procedures:
- Recognizing advancements in medical technology, the policy covers approximately 150 specific treatments and procedures that may not require a full 24-hour hospitalization.
- This coverage applies even when the procedure is done with local anesthesia.
Pre- and Post-Hospitalization Coverage:
- It includes medical expenses incurred in the 30 days before hospitalization (pre-hospitalization) and the 30 days after hospitalization (post-hospitalization).
What’s not covered by Sahara Health Insurance?
- General OPD (Outpatient Department) expenses are not covered. OPD expenses shall be covered in case of hospitalization only.
- Medical expenses incurred outside Nepal.
- Pre-existing Conditions for 4 years
- Cosmetic Procedures
- Dental and Vision Care
- Alternative Therapies like Acupuncture, naturopathy, homeopathy
- Fertility Treatments
- Mental Health and Substance Abuse
- Experimental or Investigational Treatments
- Self-inflicted Injuries or Illegal Activities like Injuries from suicide attempts or illegal actions
- War or Nuclear Risks
- Non-prescription Drugs
Also, this is a group insurance policy, so a separate payment receipt is not available. If a separate invoice is required, eSewa will reissue it upon request.
How to buy Sahara Health Insurance via eSewa app?
Getting insured is quick and hassle-free. Follow these simple steps:
- Login to eSewa app
- Go to the Insurance section
- Select 'Sahara Health Insurance'
- Choose your preferred coverage amount
- Fill in your personal and health details
- Review the plan and confirm your information
- Make the payment instantly through your eSewa balance
Once completed, your policy will be issued digitally without any paperwork.
Get Sahara Health Insurance on eSewa app: https://bit.ly/sahara_
Terms and Conditions
- Eligibility: For ages 5–65; health check-up required if over 45 (at user’s cost).
- Coverage: 1-year policy with a 30-day waiting period (except accidents).
- Claims: Submit within 30 days post-discharge.
- Premium: Varies by age and coverage; refund if application is rejected.
- Responsibility: Users must provide correct info.
To learn more about the terms & conditions, click here.
Note: This insurance package provides coverage only for people between 5 and 65 years.
Sahara Health Insurance: 'गरेको भए' हैन, गरिहाल्नुस्!
