Data Sangai Beema PLUS
1. What is Data sangai Beema Pack PLUS ?
Data sangai Beema PLUS provides Hospitalization and OPD coverage along with data as per below table :
| Pack Name | Price (Incl. taxes) |
|---|---|
| Data sangai Beema PLUS | Rs. 90 |
| Resources | Description | Validity |
|---|---|---|
| Insurance | Upto Rs. 30,000 (Rs. 3,000/Night upto 10Nights) 1 OPD per month upto Rs. 1,000 |
30 Days |
| - | 1 OPD per month upto Rs. 1,000 | 30 Days |
| Data | 500MB | 3 Days |
OPD includes:
- Any procedure performed by the hospital unrelated to a pre existing condition
- Any procedure necessitated due to an accident
- Minor Procedures - small surgical procedures or treatments that don't require hospitalization (e.g., stitches, dressings, fracture etc.)
- Medicines consumed during OPD treatment – any medicines consumed during the above mentioned procedures.
2. How can I buy Data sangai Beema pack PLUS ?
You can buy the pack by one of the following ways :
• Dial *17110# and follow the instruction to buy the pack
• Dial *123# , go to Data bundles to select the pack
• Dial 17110 and follow the instructions in the IVR.
• Via Ncell App. You can download Ncell App from https://ncellssa.page.link/download
3. Who is the Insurance partner for Ncell?
Himalayan Everest Insurance is the insurance partner for Ncell and will take care of all the queries and claim settlement related to Insurance.
4. Are there any Terms & Condition for Insurance ?
Please find the Terms and Conditions related to insurance here: https://enroll.hgidigital.com/datasangaibeemaplus
5. Can I buy multiple packs at once ?
No. You can buy 1 pack any given month .
6. Will the pack be renewed every month ?
No , the pack is valid for 1 month from the date of purchase and won’t be renewed after expiry. The packs will not be renewed automatically post expiry of the benefits.
7. How do I enroll for the insurance benefits?
After purchasing the data pack, you will be automatically enrolled for the insurance benefits. You will receive SMS from Himalayan Everest Insurance ( HEI) with the terms and conditions as well as detailed instructions on how to claim these benefits.
8. Can I claim for insurance for Doctor’s consultation?
No, The insurance is applicable only in case of Hospitalization for minimum 1 night and for procedures undertaken that do not need hospitalization subject to T&Cs
9. Is the hospitalization due to pregnancy covered?
No, pregnancy is not covered.
10. How long is the policy waiting period for the same?
No, Waiting period except in case of hospitalization due to COVID-19 in which 15 days waiting period from the enrollment date.
11. Does this policy cover hospitalization worldwide?
No, Within Nepal only.
12. Which hospitals are eligible for the claim procedure?
Hospital registered under Nepal Government are eligible for the claim.
13. What to do when I am hospitalized?
• Inform to insurance company within 7 days (or at the earliest possible) of hospitalization with reason for hospitalization, date of admission and name of hospital in email or phone to call center.
• In case of no hospitalization, call HEI call center and share the reason for hospital visit and the bill.
14.What documents I have to submit for claim process?
• Inform and register your claim by calling HEI call center within 7 days @ 9801575858 (Toll Free) or 9801969214/9801969215/9801969216
• Fill-up claim form on phone by calling HGI call center.
• Personal ID document
| Documents for Hospitalization | Document for OPD procedure |
|---|---|
| 1. Discharge summary | 1. Doctor’s Prescription |
| 2. Discharge Invoice | 2. Invoice of the procedure |
15. Where do I have to submit claim documents?
• Call in HEI Call Center and submit your documents digitally, OR
• Submit to the nearest HEI branch.
16. Is there any time limit to submit the claim documents?
Yes, within 60 days of hospitalization date (occurrence date)
17. Do I need to submit all the original documents for claim process?
No, you digital submit your hospital discharge summary, discharge invoice and personal ID document.
18. When will my claim be settled?
Within 14 days after the complete claim documents are received by HGI call center.
19. How will I get the claim amount?
You can get it through cheque or transfer to your bank account.
20. My expense is too high but why I get very less reimbursement amount?
• This is limited cover policy which is Rs 3000 per day hospitalization maximum up to Rs 30,0000 in aggregate.
• For cases in which the customer does not get hospitalized, the payout will be 1000 NPR or bill amount, whichever is lower
• For cases in which the customer has purchased multiple data packs, the benefits will be added up by HEI and communicated to the customer.
• The per day hospitalization benefit will be paid out in full irrespective of the bill amount.
21. Can I have the details of reimbursement amount?
Yes, the details of the reimbursement amount will be shared to the claimant.
22. Why my claim was rejected?
Normally the claim gets rejected when the incident is excluded in policy terms and condition. However, for specific reasons, please call HGI call center and quote the claims reference number you got through the SMS and they will help you.
