Nepal Risk Assessment Country Guide

Expat Life in Nepal

The Federal Democratic Republic of Nepal has a diverse landscape spanning from fertile, humid regions to rocky, mountainous terrain. The tallest point on earth - Mount Everest - is located in northern Nepal, as well as seven of the world’s 10 tallest peaks. This ancient country may be an attractive location for many expats and foreign travelers, although it does present several significant risks.

On July 2, 2015, the State Department renewed its travel warning to Nepal due to the aftermath of the devastating earthquake on April 25, 2015. As a result of the 7.8 magnitude earthquake on April 25th, landslides, aftershocks, and avalanches remain a high risk. Though earthquakes and aftershocks are less frequent, they still occur, making travel to Nepal more dangerous than usual. 

Due to these possible dangers, you should consider comprehensive international insurance for your time in Nepal. An adequate level of coverage is recommended to help control the costs of living abroad.

  • Health
  • Safety & Security
  • Terrorism

Health care standards can vary across Nepal. Treatment is typically of an acceptable standard in Kathmandu Valley and Pokhara, but outside of these areas conditions drop rapidly. Health care is expensive at clinics which cater to western travelers in the country. Before leaving your home country, you should discuss all vaccinations and other preventative measures with your primary care physician. 

Kathmandu, Nepalganj city in western Nepal and Doti, Bajhang and Gorkha districts have all reported confirmed cases of cholera. There have also been cases of avian influenza among poultry and birds in some areas of the country; individuals should use caution when coming in contact with birds.

Clements Worldwide offers GlobalCare® health insurance, with USD 5 million in health care benefits. With Clements, you will have flexible payment options, as well as your choice of deductible and 24/7 claims assistance. An optional War and Terrorism insurance extension is also available. GlobalCare Health insures all family members abroad as well, and does not require a coinsurance payment after the initial deductible. Prescription drugs, maternity care, mental health treatment and other services are all covered. There is no limiting network of doctors to choose from, so you can instead pick anyone you want, anywhere in the world. 

While in Nepal, you may need to travel in order to reach appropriate levels of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Nepal.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

On April 28, 2015, a 7.8-magnitude earthquake hit Nepal, killing nearly 4,000 people and injuring tens of thousands of others. The political climate in Nepal is stable, and occurrences of public gatherings or demonstrations are not prevalent.

Neverntheless, a Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions and driving standards are extremely poor in Nepal. In the capital of Kathmandu, streets are often very congested, and the situation can become dangerous for drivers and other travelers. During the Monsoon season, which is between June and September, heavy rains can make certain roadways impassable. 

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Nepal.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a general threat of terrorism in Nepal. Attacks could target locations frequently visited by expats and foreign travelers. In the past, incidents have occurred across the country, such as bomb attacks, shootings and political violence. 

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Nepal.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions