Health Insurance in Nepal (Swasthya Bima)
Nepal's government health insurance can save your family from big medical bills. Here is how to enroll and use it.
सरकारी स्वास्थ्य बीमा — परिवार दर्ता, प्रिमियम र सुविधा।
The Health Insurance Programme (स्वास्थ्य बीमा), run by the Health Insurance Board (HIB), lets a Nepali family pay a small annual premium and get a set amount of medical treatment covered at empanelled hospitals each year. It protects families from sudden large medical bills.
Official body: Health Insurance Board (swasthyabima.gov.np). You enroll as a family, pay the yearly premium, and use the coverage at empanelled (listed) hospitals.
How to Enroll
- Enroll your family through your local enrolment/ward, a health facility, or the HIB system.
- Pay the annual premium for your family (a subsidised rate; certain vulnerable groups are covered free).
- Get your insurance ID / card for the family.
- Choose your first contact point (a health facility) as required by the scheme.
How to Use It
- Go to an empanelled hospital/health facility and show your insurance ID.
- Covered services and medicines are provided up to your annual coverage limit.
- Renew the premium each year to keep coverage active.
💡 Check your enrolment status and coverage balance through the HIB system or your enrolment point. Keep your insurance ID safe.
✅ Salaried? Also see the Social Security Fund (SSF) which includes medical protection.
Need a request or application letter?
SahAI writes formal Nepali applications and letters — free.
✍️ Open Letter Writer