For those with a valid foreign employment visa or already working with a foreign visa (students also), we bring you a Reliable Surakshit Jeevan Beema Yojana (Surakshit Plan) by Reliable Life Insurance. You can pay for the policy of this work visa health insurance using Khalti and get benefits of more than 3 Lakhs.  

Reliable Surakshit Jeevan Beema Yojana (Surakshit Plan), is a single premium foreign employment protection plan that offers benefits to the life assured. This plan also includes coverage of accidental death. Moreover, it includes the benefit of the occurrence of Total and Permanent Disability (TPD) due to accident or sickness and covers the daily hospitalization benefit in case of hospitalization for treatment of critical illnesses or accidents. 


Features of the Reliable Surakshit Jeevan Beema Yojana

  1. Fixed Sum Assured: NPR 3,00,000 (Three Lakhs) 
  2. Minimum Entry Age: 18 years (last birthday) 
  3. Maximum Entry Age: 50 years (last birthday) 
  4. Maximum Maturity age: 53 years
  5. Policy Term: 1/2/3 year  
  6. Mode of Premium Payment: Single premium payment
  7. Medical Examination and test required


Benefits of the Surakshit Jeevan Beema

Cause Payable Benefits
Natural Death of Life Assured Sum Assured are payable
Accidental Death of Life Assured Double Sum Assured is payable
Accidental & Sickness Total and Permanent Disability (TPD) Benefit Sum Assured will be payable in lump sum
Hospitalization Cash Benefit NPR 6000 for each day of hospitalization or Hospital bill amount (whichever is lower) subject to the maximum of NPR 3,00,000/- for the policy term


Premium payment of Surakshit Jeevan Beema

1-Year Policy Term

Policy Term 1 Year
Sum Assured Age Band
(In NPR) 18 to 30 Yrs 31 to 40 Yrs 41 to 50 Yrs
3,00,000 1,900 2,800 5,300


2-Year Policy Term 

Policy Term 2 Year
Sum Assured Age Band
(In NPR) 18 to 30 Yrs 31 to 40 Yrs 41 to 50 Yrs
3,00,000 3,700 5,500 10,700


3-Year Policy Term 

Policy Term 3 Year
Sum Assured Age Band
(In NPR) 18 to 30 Yrs 31 to 40 Yrs 41 to 50 Yrs
3,00,000 5,300 8,200 16,100

Eligibility of Overseas students

  1. Students must have a valid Passport and Visa
  2. The Visa period should be of 1 year or more.
  3. If the Visa is granted without undergoing a medical examination, the following medical examination and test have to be done at the insured’s cost:
  • General medical examination 
  • ECG
  • 6th PA view chest x-ray
  • Urine test

The foreign employee/overseas student is eligible for insurance within 2 years from the last medical examination and test date.


List of Critical illnesses 

  1. Cancer
  2. Kidney Failure(End Stage Renal Failure)
  3. Primary Pulmonary Arterial Hypertension   
  4. Multiple Sclerosis   
  5. Major Organ Transplant   
  6. Coronary Artery by-pass graft
  7. Aorta Graft Surgery
  8. Heart Valve Surgery  
  9. Stroke   
  10. Myocardial Infraction (First Heart Attack)   
  11. Coma   
  12. Total Blindness   
  13. Paralysis   
  14. Benign Brain Tumor 
  15. Mental illness caused due to an accident (traumatic)


Required Documents for the Surakshit Jeevan Beema

  • Valid Passport
  • Valid Visa/श्रम स्विकृति/Medical report
  • Passport size Photo
  • Filled up proposal form


Policy Payment using Khalti

To avail of this insurance policy, you should be a Khalti user with KYC verified ID. You must use your Nepali banking credentials to complete your transaction while you stay in a foreign land. 


The steps to pay the premium are: 

  1. Login/Signup to Khalti 
  2. Scroll down to the ‘Insurance’ section 
  3. Tap to ‘Reliable Surakshit Jeevan Beema’ and enter the details 
  4. If the details are correct, proceed to pay 
  5. Use Linked bank or Wallet balance to pay for the premium.


Terms and Conditions

  1. The hospitalization should occur within Twenty Four (24) hours of the accident, causing bodily injury occurring after the Issue Date of this product.
  2. The insured is confined in a hospital for a minimum continuous length of stay of Seventy Two (72) hours. 
  3. In accidental hospitalization, the treatment must consist of surgery in the operating room or must be treated in an Intensive Care Unit (ICU).
  4. The maximum Benefit under Hospital Cash Benefit (HCB) will be NPR 3,00,000 for the policy term in the form of a daily Hospital Cash Benefit of NPR 6000.
  5. A waiting period of 90 days shall be applicable under Hospital Cash Benefit in the event of diagnosis of critical illness, from the date of inception of the policy. No Hospital Cash Benefit will be payable during this period. However, a waiting period will not be applicable in the event of hospitalization due to an accident.
  6. In case the Nominee wishes to take Death Benefit in the form of regular installments, s/he can do so by receiving the claim payment over the period of 10 years, where a fixed 11.6% of the Death Benefit will be payable each year to the nominee. Whereas, the Nominee can also claim payment at once. 


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