Nepal is a dream destination for a lot of trekkers. Everyone wishes to visit the land of beauty once in their lifetime, but you need to be careful. Insurance is a key factor whenever you are planning to trek in Nepal.
Trekking insurance in Nepal is slowly getting the required attention. As Nepal is home to 8 of the 10 tallest mountains in the world, peak climbing and expeditions are common. But the right insurance is also equally important.
As the altitude keeps on increasing, the risk of altitude sickness, unpredictable weather, and physical injuries is common. Therefore, trekking insurance in Nepal is very important.
What does trekking insurance in Nepal cover?
A lot of the readers might have the same query: what does trekking insurance in Nepal actually cover? Well, safety is key, but knowing what it provides is equally important.
In the case of trekking insurance, the policy could vary from one company to another. However, the general inclusions are:
- High altitude medical coverage up to 6000m or more
- Emergency medical evacuation, which includes helicopter rescue in remote regions
- Hospitalization and treatment during accident and injury
- Reimbursement for delayed or cancelled plans.
How To Choose The Right Trekking Insurance in Nepal?
One of the biggest confusions that goes around is how to choose the right trekking insurance in Nepal. Well, various factors determine which insurance is better.
Some of the key tips that will help you choose the right insurance are:
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Know your destination and altitude
The first and the key factor would be knowing your destination and altitude. If you are planning for 6000m and above, try to be sure to cover altitudes above 4000m.
Most of the time, policies cover lower altitude, which doesn’t protect you from altitude sickness or emergency evacuations.
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Know the distance
Yes, knowing the actual distance is actually related to trekking insurance in Nepal selection. The more you cover the length of the trek, insurance could vary with ease/
If your trek goes beyond 2 weeks or many trips are done in a year, try to select annual multi-trip plans. This saves you money in the end.
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Check for health and emergency evacuation
Emergency evacuation is a key factor when you are going for a peak climb. Nobody knows the weather at the top of the mountain, so being sure about your insurance is key.
Be sure that your insurance covers hospitalization, helicopter evacuation, and safety at the same time. At times, try to check whether the evacuation includes flying back to your home country too. All in all, CAAN approval is also key.
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Consider your health
If you are looking for trekking insurance in Nepal, it is very important that you look at your personal health for the start. If there is a pre-existing condition in you, the selection of insurance could be different.
Some of the policies might not cover past health issues. This could create a problem in the end. So always be assured and open with the insurance company about your health condition.
How To Claim Insurance While Trekking In Nepal?
It is easier to get trekking insurance in Nepal, but claiming for the insurance could be a major problem. Some of the trekkers might not have an actual idea of how to do it.
The Trek Nepal would like to make you aware of the situation on how to handle it. Let’s go through a step-wise procedure.
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Assess the situation
The first and key step for a trekking insurance claim in Nepal would be to assess the situation better. First of all, try to report to the local guides.
The team members of The Trek Nepal would be right with you. Try to explain the situation to them and get the first assistance from the local health care providers.
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Contact your insurance company
As the situation gets under control, try to connect with your insurance company. Explain the situation to the insurance company; the quicker, the better.
As you connect with the insurance company, they will take you through to the further steps. In the case of an absolute emergency, you will also get an evacuation feature.
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Keep the documents safe
Yes, in the case of trekking insurance in Nepal, documents and papers will be key. All the papers and documents related to your claim must be kept safe.
From the medical reports to prescription, hospital bills, flight delay notification, and everything in between, you need to be careful to keep everything in check.
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Follow the medical advice and submit the claim form
As you connect with the insurance company, they will provide you with the right steps. Always follow all the steps they provide you. When you and the insurance company are on the same page, move ahead with the claim.
Fill out the form and submit it to the insurance company. All the information that you provide must be honest, along with the right information that has been asked for.
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Stay connected and report on the claim process
After you submit the information, your job doesn’t end right there. You need to remain connected regularly until you are safe. The lines of communication must be clear with the insurer.
They could require more documents, so be ready to provide them too. This makes the process quicker. As you move ahead, try to keep track of the process. Some insurance takes weeks to process. Keep checking on it regularly.
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Prepare for emergency evacuation when required
This is the last and rarest situation for emergency evacuation. Most of the time, emergency evacuation takes place during the peak climbs.
Altitude sickness and worsening health situation could lead to emergency evacuation. First of all, get the confirmation from the insurer for the evacuation. When everything is right you will be evacuated safely.
Final Thoughts
Trekking insurance in Nepal could be challenging, confusing, and life-saving at the same time. Most of the time, trekkers might be confused about the policies and which insurance to choose from.
This could create a situation of chaos and confusion. In order to help you ease the situation, The Trek Nepal could be the guide on how to choose the right insurance.
You could connect with the team through a call or the website, as we will help you process the overall situation. Based on your requirements and complexities, the insurance could be different at different times.