Citizen's Charter
Customer Information & Services
This section provides important information regarding our insurance services, underwriting requirements, policy issuance process, renewal procedures, and claims handling.
Available Services
Various types of Micro Non-Life Insurance products are available through Protective Micro Insurance.
Related Rules & Regulations
Insurance services are governed by the Company Act 2063, Insurance Act 2079, and other applicable laws, regulations, directives, circulars, and guidelines issued by the Insurance Regulatory Authority of Nepal.
Underwriting Requirements
Completed Know Your Customer (KYC) Form
Copy of Citizenship Certificate
One Passport Size Photograph
PAN Certificate or Registration Documents (for firms and organizations)
Required Documents
| All Insurance Policies | Completed Proposal Form |
| Additional Documents | As required by the Company depending on the type of insurance |
Policy Issuance Time
Insurance policies are generally issued on the same day after receipt of the completed proposal form and all required supporting documents.
Policy Premium & Renewal Cost
Customers are required to pay the total amount shown on the Insurance Policy or Tax Invoice, including Premium, Stamp Duty, VAT, and any applicable charges.
Renewal Notice
For annual policies, renewal notices along with premium information will be sent approximately one month before policy expiry to the address provided in the proposal form.
Underwriting Contacts
| Urusha Maharjan | 9818304047 |
| Pradip Khadka | 9849303778 |
Assistance is also available through our branch and provincial offices across Nepal.
Claim Submission
Claims can be submitted through the Claim Department at the Head Office or any company branch.
Claim Settlement Time
Claims are generally settled within 7 working days after receipt of the final survey report and all required supporting documents. Large or complex claims may require additional processing time depending on the nature of the loss.
Claim Contacts
| Nishwarth Mahat | 9849077057 |
| Binod Thapa | 9818088509 |
Customers may also contact their nearest branch office for assistance with claim registration and documentation.
