Sunilsmriti-3, Runiwang, Rolpa
+977-984490538
Insurance Services
Protect your future and secure your family with our reliable and affordable insurance solutions.
25,000+
Insured Members
7 Days
Claim Settlement
15%
Member Discount
500+
Empanelled Hospitals
Coverage You Can Count On
Cooperative insurance means better rates, faster claims, and an institution that truly cares about your wellbeing.
Fast Claim Settlement
Claims processed within 7 working days. Dedicated claim officer assigned for every policy holder at Chetana.
Beema Samiti Approved
All insurance products are regulated by Beema Samiti (Insurance Board of Nepal) ensuring full legal protection.
Member Discounts
Chetana Cooperative members enjoy up to 15% premium discount on all insurance products — a cooperative advantage.
Nationwide Coverage
Coverage valid across all of Nepal including remote districts. Medical network includes 500+ empanelled hospitals.
The Right Plan for Every Life Stage
Comprehensive coverage plans designed to protect your life, health, property, and income.
Life Insurance
Protect your family's future
Cover up to: NPR 5,00,000
Health Insurance
Medical expenses covered
Cover up to: NPR 2,00,000
Home Insurance
Your property, protected
Cover up to: NPR 10,00,000
Accident Insurance
Coverage for the unexpected
Cover up to: NPR 3,00,000
File a Claim in 4 Simple Steps
No paperwork nightmares. Our dedicated claim officers handle everything — you just focus on recovery.
Intimate the Claim
Notify Chetana or the insurance company within 24 hours of the incident via phone, app, or branch visit.
Submit Documents
Submit required documents: claim form, medical reports, FIR (if applicable), death certificate, or repair estimate.
Surveyor Assessment
A licensed insurance surveyor assesses the claim. For health claims, hospital discharge summary suffices.
Claim Disbursed
Approved claim amount credited to your Chetana account or paid directly to the hospital within 7 working days.
Backed by Nepal's Trusted Insurers
All Chetana insurance products are underwritten by Beema Samiti–approved insurance companies.
Nepal Life Insurance
LifeShikhar Insurance
HealthSagarmatha Insurance
GeneralHimalayan General Insurance
GeneralPrabhu Insurance
HealthRastriya Beema Sansthan
LifeEnhance Your Coverage
Critical Illness Rider
Additional coverage for cancer, stroke, heart attack & 30 other critical illnesses.
Disability Rider
Monthly income support in case of total & permanent disability due to accident or illness.
Child Education Rider
Guaranteed education fund for your children even if something happens to you.
Pension Rider
Regular monthly pension after retirement age — combine with life insurance for full coverage.
OPD Rider
Outpatient consultation, medicines, and diagnostics covered up to NPR 20,000 per year.
Travel Rider
Emergency medical & repatriation coverage when traveling internationally for work or leisure.
Premium Calculator
Estimate your insurance premium
Monthly Premium
NPR 68
Annual Premium
NPR 816
Coverage of NPR 1000K for NPR 68/month
* Indicative premium. Final premium based on medical history & insurer assessment.
Insurance That Works Harder for Members
At Chetana, your insurance is tightly integrated with your cooperative membership — giving you advantages no commercial insurer can match.
Premium Auto-Debit
Auto-debit from your Chetana savings account — never miss a premium, never lose coverage.
Renewal Reminders
HamroConnect sends reminders 30 days before policy renewal — so you're always covered.
Loan Against Policy
Surrender value of your life insurance policy can be used as collateral for a Chetana loan.
Bonus on Life Policy
Reversionary bonus declared annually on life insurance policies — your cover grows over time.
Migrant Worker
Special Insurance Package
A dedicated insurance package for Nepali citizens working abroad — protecting them and their families back home.
Insurance Questions Answered
Everything you need to know about getting insured with Chetana Cooperative.
How do I buy insurance through Chetana Cooperative?
Do I get a discount on insurance as a Chetana member?
How long does a claim take to be settled?
Can I pay insurance premium from my Chetana savings account?
What documents are required to file a claim?
Can I get insurance for my migrant worker family member?
Don't Wait for Tomorrow
to Protect Today
Join 25,000+ insured Chetana members. Get life, health, home, and accident coverage with a 15% member discount and fast claim settlement.