If you've searched the internet for private health insurance that covers expats in Nepal then you are probably for looking for established UK based health insurance providers that will cover your medical costs in Nepal.
Living as an expatriate in Nepal you want to avoid any unwanted and unexpected medical costs. In some countries these can run into hundreds of thousands of pounds for serious medical conditions.
Our advice when looking for private medical cover that covers expatriates living in Nepal is to speak to a health insurance broker. Health insurance is very complex and if you want absolute certainty that Nepal is covered by your policy you should talk with a broker who can explain which providers will cover medical expenses for expatriates in Nepal and which will exclude it.
There are many advantages to using a insurance broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you reside in many different postcodes? Some will give you a lower premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain medical condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every health insurance provider on the market and ask if they provider cover for expats in Nepal, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one medical insurance broker which will know which policy providers on the market offer cover for expats in Nepal and under what terms they do or don't cover it.
Tourism is the largest industry in Nepal and its largest source of foreign exchange and revenue. Possessing eight of the ten highest mountains in the world, Nepal is a hot spot destination for mountaineers, rock climbers and people seeking adventure. The Hindu and Buddhist heritage of Nepal and its cool weather are also strong attractions.
Mount Everest, the highest mountain peak in the world (8848m above the sea level), is located in Nepal. Mountaineering and other types of adventure tourism and ecotourism are important attractions for visitors. The world heritage site Lumbini, birthplace of Buddha, is located in the south of the West region of Nepal (which despite the name is located in the center of the country) and there are other important religious pilgrimage sites throughout the country. The tourist industry is seen as a way to alleviate poverty and achieve greater social equity in the country. Tourism brings $471 million a year to Nepal.
According to statistics of 2012, there was a slow growth rate of 9.8%.[out of date] According to statistics from Nepal Tourism Board (NTB), a total of 598,204 foreign tourists entered the country via aerial route in 2012. The government of Nepal declared 2011 to be Nepal Tourism Year, and hoped to attract one million foreign tourists to the country during that year. The government of Nepal has also declared Lumbini Tourism Year 2012 to promote Lumbini. The government of Nepal has also recently declared Visit Nepal 2020 with the aim of bringing in two million tourists by 2020.
According to the statistics of 2017, most of the tourists comes to Nepal for observing the pilgrimage sites and heritages sites of the country i.e. 70.3%, then 34.5% visit for pleasure, 13.1% of them visit Nepal for mountaineering and trekking and remaining 18.0% of the tourists arrive for official activities, conferences, business etc.
The tourism industry of Nepal was affected after the destructive earthquake in 2015, by the series of earthquakes in 2015. In 2020, the tourism sector in Nepal collapsed due to the COVID-19 pandemic.
In 2007, the number of international tourists visiting Nepal was 526,705, which was an increase of 37.2% compared to the previous year. In 2008, the number of tourists decreased by 5% to 500,277. In 2018, the number of international tourists arrival was a record high of 1.7 million. Pokhara is one of the main tourist destinations in Nepal.
In 2008, 55.9% of the foreign visitors came from Asia (18.2% from India), while Western Europeans accounted for 27.5%, 7.6% were from North America, 3.2% from Australia and the Pacific Region, 2.6% from Eastern Europe, 1.5% from Central and South America, 0.3% from Africa and 1.4% from other countries.
According to Nepal's Ministry of Tourism, major tourist activities include wilderness and adventure activities such as mountain biking, bungee jumping, rock climbing and mountain climbing, trekking, hiking, bird watching, flights, paragliding and hot air ballooning over the mountains of Himalaya, exploring the waterways by raft, kayak or canoe and jungle safaris especially in the Terai region.
The majority religion in Nepal is Hinduism, and the Pashupatinath Temple, the world's largest temple of Shiva, located in Kathmandu, attracts many pilgrims and tourists. Other Hindu pilgrimage sites include the temple complex in Swargadwari in the Pyuthan district; Janaki Mandir in Janakpurdham in Mithila region; Lake Gosainkunda near Dhunche; the temples at Devghat; Manakamana temple in the Gorkha District; Pathibhara near Phungling; and Mahamrityunjaya Shivasan Nepal in Palpa District where the biggest metallic idol of Lord Shiva is located.
Buddhism is the largest minority religion. The World Heritage site at Lumbini, which is traditionally considered to be the birthplace of Gautama Buddha, is an important pilgrimage site. Another prominent Buddhist site is Swayambhunath, the Monkey Temple, in Kathmandu.