Health insurance helps meet eligible healthcare costs or pays defined health-related benefits under a specified plan. Reimbursement policies repay covered expenses, while cashless treatment arrangements settle eligible charges through participating providers. Limits, exclusions, waiting periods, and co-payment requirements can leave part of the bill with the patient.
In Nepal, distinguish private commercial coverage from arrangements administered by the Health Insurance Board. Provider access, referral requirements, and benefits can differ between schemes. Compare hospital access and treatment rules along with the annual benefit limit, particularly when seeking care away from home or abroad.