Bus Travelling never felt so much safer now with BusSewa! Because Now BusSewa lets you add personal accident insurance to your booking, so you can protect yourself and your family while you travel. In partnership with Himalayan Everest Insurance Limited (HEI), BusSewa offers three coverage plans with sums insured of NPR 1 lakh, NPR 3 lakh, and NPR 5 lakh. Each plan covers accidental death and permanent disability, and also includes accidental medical expense coverage of up to NPR 100,000, subject to eligible expenses and the applicable policy terms.
Whether you’re heading home for Dashain, visiting relatives, or exploring somewhere new, you can book your ticket and choose an insurance plan in a single, simple checkout, giving you added peace of mind before you even board.
(Summary: Book your bus tickets with BusSewa and choose accident insurance for an added layer of financial protection during your journey. With insurance options of NPR 1 lakh, NPR 3 lakh, and NPR 5 lakh, passengers can explore coverage for eligible medical expenses, accidental death, permanent disability, and other specified benefits. Provided by Himalayan Everest Insurance Limited (HEI), all coverage and claims are subject to the applicable policy terms and conditions. अब यात्रासँगै Insurance पनि!)
What Is Accident Insurance with BusSewa?
Personal accident insurance provides specified financial benefits when an insured person suffers a covered accident, subject to the terms, conditions, and exclusions of the insurance policy. Through BusSewa, passengers can choose an available accident insurance plan while booking their bus tickets. The insurance is provided by Himalayan Everest Insurance Limited (HEI), which is responsible for assessing insurance claims and determining benefits payable under the policy.
The insurance coverage is valid for two days from the date and time of the bus journey, according to the policy information provided. The available plans differ in their sums insured for accidental death and permanent disability. Medical coverage remains the same across all three plans.
BusSewa Accident Insurance Plans and Fees
BusSewa offers three personal accident insurance options to suit different preferences.
| Plan | Accidental Medical Coverage | Sum Insured for Accidental Death and Permanent Disability | Insurance Fee | Service Fee | Total Fee |
|---|---|---|---|---|---|
| NPR 1 Lakh | Up to NPR 100,000 | NPR 100,000 | NPR 1.95 | NPR 0.05 | NPR 2.00 |
| NPR 3 Lakh | Up to NPR 100,000 | NPR 300,000 | NPR 3.60 | NPR 0.40 | NPR 4.00 |
| NPR 5 Lakh | Up to NPR 100,000 | NPR 500,000 | NPR 5.24 | NPR 0.76 | NPR 6.00 |
Fees are stated in Nepalese rupees. Confirm the applicable price and plan details displayed during booking.
Important: The medical coverage limit is NPR 100,000 across all three plans. Selecting a higher plan increases the sum insured for accidental death and permanent disability; it does not increase the medical coverage limit. Actual benefits depend on the policy provisions and claim assessment.
What Does BusSewa Accident Insurance Cover?
The policy provides several benefits for eligible accidents. The applicable benefit depends on the selected plan, the nature of the accident, and the policy's terms and conditions.
1. Accidental Medical Expenses
The policy provides reimbursement for eligible medical expenses arising from a covered accident. The payable amount is the lowest of the applicable medical sum insured, NPR 100,000, or the actual eligible medical bills. Any additional medical coverage purchased is subject to its applicable terms. Passengers should retain medical reports, hospital bills, receipts, and other relevant treatment documents to support their claims.
2. Accidental Death Benefit
If the insured dies as a direct result of a covered accident within 183 days of the accident, the policy provides a benefit equal to the applicable sum insured, subject to the policy conditions. The insurer assesses each claim according to the applicable policy terms.
3. Permanent Total Disability Benefits
If a covered accident results in a specified permanent total disability, the policy may provide a benefit of up to 100% of the applicable sum insured for the disabilities listed in the policy. The policy summary identifies certain specified losses involving limbs, eyesight, hearing, speech, and other listed conditions. The disability must occur within 365 days of the accident, and the required medical certification and claim assessment apply.
4. Permanent Partial Disability Benefits
The policy also provides benefits for specified permanent partial disabilities. The percentage payable depends on the type and extent of the disability as defined in the policy. The policy summary includes different benefit percentages for certain losses involving limbs, fingers, toes, and other specified conditions. Other disabilities may be assessed proportionately under the policy. The applicable medical certification and claim assessment requirements must be met.
5. Funeral Expenses
In eligible accidental death cases, the policy provides funeral expenses in addition to the applicable sum insured. The benefit is the lower of 10% of the applicable sum insured or NPR 50,000, subject to the policy terms.
6. Body Transportation and Handling Expenses
The policy provides NPR 10,000 for body transportation and handling in eligible accidental death cases, subject to the applicable provisions.
What Is Not Covered Under BusSewa Accident Insurance?
The policy excludes certain circumstances, including intentional self-inflicted injuries, suicide or attempted suicide, accidents caused by alcohol or drugs, violations of applicable laws, certain non-accidental stress-related conditions, unnecessary exposure to danger (except when attempting to save a human life). Certain air travel incidents and accidents arising from loss of mental balance are also excluded under the policy.
Please note: This section summarizes the exclusions identified in the policy information provided. It is not a substitute for the complete policy document. The exact wording, conditions, and application of each exclusion are determined by the applicable policy and HEI's assessment.
How to Book a Bus Ticket with Accident Insurance on BusSewa
Booking a bus ticket through BusSewa is simple. Follow these steps to select your preferred journey and choose accident insurance if you wish to purchase it.
- Visit the BusSewa website or use the BusSewa app.
- Enter your departure location, destination, and preferred travel date to find available buses.
- Browse the available buses, compare your options, and select your preferred bus and seat.
- Choose an available accident insurance plan during the booking process. Review the plan's coverage, fees, duration, and applicable terms before proceeding.
- Review your booking details and complete the payment process.
- Review your booking confirmation and verify the selected insurance option and relevant details!
Remember to select the insurance option during booking if you wish to purchase it with your bus ticket. Insurance is not automatically included with every ticket and notified through SMS!
What Should You Do If an Accident Occurs?
If an accident happens during your journey, the first thing to do is get medical help and make sure the injured person is safe. Once the immediate situation is under control, you can start the insurance claim process.
Here’s what you need to do:
- Get Medical Help: Make sure the injured person receives the necessary medical attention as soon as possible.
- Inform the Police: Report the accident to the police if required under the applicable policy or law.
- Notify HEI Within 35 Days: Inform Himalayan Everest Insurance Limited (HEI) about the accident within 35 days and submit the required documents within the specified timeframe.
- Keep Your Documents Ready: Collect and keep all relevant documents, including medical reports, hospital bills, receipts, and police reports, if applicable.
- Follow the Claim Process: Contact HEI directly to understand the required documents and next steps for your claim.
According to the policy information, payment may be made within 35 days after all required documents have been submitted, subject to the policy terms and claim assessment. Please note that this does not guarantee approval or payment of every claim within that period.
The policy also specifies or something that claims below Rs. 2500 or below cannot be made. If you claim Rs. 50,000 and HEI approves Rs. 30,000, you will receive the full approved amount of Rs. 30,000, subject to the policy terms.
Accident Insurance Claim Contact
For accident reporting, claim documentation, and other insurance-related assistance, contact Himalayan Everest Insurance Limited:
- 9801575858
- 9869186957
BusSewa provides the ticket-booking platform, while HEI is responsible for insurance claim assessment, decisions, and payments.
Travel with Greater Peace of Mind with BusSewa
Your journey deserves convenient booking and thoughtful preparation. With BusSewa, you can book your bus ticket online and choose an available personal accident insurance plan for an additional layer of financial protection during your journey. Compare the available options, review the applicable policy terms, and select the plan that suits your preference. Book your next bus ticket with BusSewa. Visit bussewa.com.np or use the BusSewa app to plan your next journey.
Disclaimer: This article provides general information about personal accident insurance offered through BusSewa. Coverage, eligibility, benefits, exclusions, and claim payments are governed by the applicable insurance policy. Himalayan Everest Insurance Limited is responsible for assessing insurance claims and determining payable benefits. Please review the policy terms and conditions before purchasing insurance.