Financial resilience
Health Insurance helps cover eligible hospitalization and medical expenses, reducing the financial burden caused by illnesses or injuries.
2M+
Policy Sold
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Claim Settled
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Active Policy
Healthcare expenses continue to rise, and unexpected illnesses or medical emergencies can place a significant financial burden on individuals and their families. Health Insurance helps reduce these financial challenges by covering eligible medical expenses and ensuring access to timely healthcare services.
Without Health Insurance, hospitalization, surgery, and ongoing medical treatment can quickly exhaust personal savings and disrupt long-term financial plans. Having suitable health insurance allows individuals to receive quality medical care without worrying about the full cost of treatment.
Whether you are an individual, a working professional, or protecting your family's future, Health Insurance serves as an important financial safety net by helping you manage healthcare expenses and maintain financial stability during unexpected medical situations.
Essential protections such as Health Insurance are often overlooked until individuals or families are faced with unexpected medical emergencies. However, Health Insurance is designed to provide financial security by helping manage the cost of healthcare and reducing the financial burden caused by illnesses or accidents.
Without Health Insurance, hospitalization, surgeries, and ongoing medical treatment can result in significant out-of-pocket expenses that may affect an individual's or family's financial stability. Having suitable Health Insurance allows policyholders to receive timely medical care without worrying about the full cost of treatment.
Therefore, while the primary purpose of Health Insurance is to provide financial protection against medical expenses, there are several important reasons why having adequate health insurance coverage is essential for individuals and families in Nepal.
Choose a Health Insurance plan and coverage amount that best suits your healthcare needs, family size, and financial goals.
Health Insurance policies are designed to provide financial protection against eligible medical expenses. The main features include:
Together, these features make Health Insurance an essential financial protection solution, helping individuals and families manage healthcare expenses with greater confidence.
| Parameter | Health Insurance | Critical Illness Insurance |
|---|---|---|
| Meaning | Provides financial protection against eligible hospitalization and medical expenses arising from illnesses or injuries. | Provides a lump-sum financial benefit upon the diagnosis of a covered critical illness, subject to the policy terms and conditions. |
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
Health Insurance helps cover eligible hospitalization and medical expenses, reducing the financial burden caused by illnesses or injuries.
Enables policyholders to receive timely treatment at eligible healthcare facilities without delaying medical care due to financial concerns.
Choose a suitable plan and sum insured that best match your healthcare needs and financial goals.
Knowing that eligible medical expenses are financially protected allows you and your family to focus on recovery instead of worrying about healthcare costs.
Use downloads for forms, or reach out via contact channels for checklists and timelines.
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and insurance coverage tailored to the real-world driving conditions of Nepal’s roads.
Access eligible treatment at network hospitals where cashless facilities are available under the policy.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Choose a health insurance plan and sum insured that best suit your healthcare requirements and budget.
With a strong branch network and accessible support channels, United Ajod helps customers receive reliable insurance services and assistance whenever required.
Receive assistance with policy servicing, renewals, endorsements, and claim-related queries throughout your policy period.
Visit one of our nearest branch or contact our customer support team.
2. Choose a Plan Select the Health Insurance plan and coverage amount that best suits your healthcare needs and financial requirements.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can easily avoid Health Insurance claim rejections by just paying a little more attention to the following factors.
Many claims are rejected simply because the policyholder is unaware of what their insurance covers. Always read your policy document to understand the inclusions, exclusions, and conditions.
Provide complete and accurate personal and medical information when purchasing your policy. Any incorrect or incomplete information may affect your claim eligibility.
Keep all necessary documents, including medical reports, hospital records, prescriptions, diagnostic reports, identity documents, and claim forms, complete and up to date to support your claim.
Inform United Ajod as soon as reasonably possible after hospitalization or a covered medical event so that the claim process can begin without unnecessary delays.
Renew your policy before its expiry date to ensure continuous coverage and uninterrupted access to health insurance benefits.
Report your claim and submit all required documents within the timelines specified in your policy. Delayed notification or late submission may affect claim processing or eligibility.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at uail.com.np for detailed information.
Coverage for pre-existing medical conditions depends on the policy terms, waiting periods, declarations made during policy purchase, and applicable exclusions. Please refer to your policy document or contact United Ajod for detailed information.
The maximum coverage amount depends on the selected Health Insurance plan and the sum insured chosen at the time of policy purchase.
Yes. Health Insurance generally covers eligible hospitalization expenses, including room charges, surgeries, medical treatments, and other covered healthcare services, subject to the policy terms, conditions, and exclusions.
Common exclusions may include waiting period conditions, non-covered treatments, cosmetic procedures, undisclosed pre-existing medical conditions, and other exclusions specified in the policy wording. Please refer to your policy document for the complete list of exclusions.