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• 1. What is Roaming sangai Beema Pack ?
  Roaming sangai Beema is data pack where customer can roaming data and accidental hospitalization when traveling as per below table:

  Pack Name	Price (Incl. taxes)
  Roaming sangai Beema	Rs. 250 /7Days

  Description	Benefits	Validity
  Accidental hospitalization Insurance	Medical claims and hospitalization due to accident during travel upto Rs. 100,000 Accidental Death Rs. 100,000	7Days
  Roaming Data	750MB	7Days

  Note : Roaming sangai data is applicable for below 4 destinations

        1. India
        2. UAE
        3. Malaysia
        4. Qatar
   
• 2. When do I buy this pack ?
  Customer can buy the pack before and during the travel period.
   
• 3. How can I buy it ?
  Below are the options to buy the pack
      • Dial *17110# and follow the instructions
      • Dial 17110 and follow the instructions
      • Ncell App
   
• 4. 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.
   
• 5. What is the eligible age to claim the insurance ?
  The insured customer must be between 16 year to 60 years of age.
   
• 6. Are there any Terms & Condition for Insurance ?
  Please find the Terms and Conditions related to insurance here: https://enroll.hgidigital.com/
   
• 7. Can I buy multiple packs at once ?
  No, only 1 pack can be bought any given week.
   
• 8. Will the pack be renewed every week ?
  No , the pack is valid for 1 week from the date of purchase and won’t be renewed after expiry.
   
• 9. Can I claim for insurance for Doctor’s consultation?
  No . The insurance is applicable only in case of Accidental Hospitalization where the customer has be hospitalized overnight due to any kind of accident or procedures due to accident that doesn’t require hospitalization.
   
• 10. What is covered under the policy?
        1. You are eligible for personal accident insurance of NPR 100,000 subject to the terms and conditions. Personal accident insurance is paid out in the unfortunate event of death due to an accident.
        2. You are also eligible for upto NPR 100,000 of hospital bill reimbursement if the hospitalisation has been necessitated due to an accident, subject to the terms mentioned in this document.
   
• 11. Is the hospitalization due to pregnancy covered?
  No, pregnancy is not covered.
   
• 12. 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.
   
• 13. Which hospitals are eligible for the claim procedure?
  Any government registered hospital worldwide is eligible.
   
• 14. What to do when I am hospitalized?
  Inform to insurance company within 7 days (at the earliest possible) of hospitalization with reason for hospitalization, date of admission and name of hospital in email or phone to call center.
   
• 15. What documents I have to submit for claim process?
  Please Viber/ WhatsApp to +9779801575858 / 9801969214 . Queries will be answered between 10am and 5pm ( Nepal Time )
  All calls outside these times will be responded to within 24 hours.
  Hospitalisation reimbursement claim requirements:
        1. Hospital discharge summary
        2. Nagarikta patra
        3. Scanned copy of cash bills (Tax invoice) incurred for the treatment
       4. Attending doctors/hospital's Prescriptions, X-ray, other Reports copy
  Accidental death claim requirements( death out of country) :
       1. Dead Body hand over certificate (Las Sadagat Purji)
       2. Spot investigation report (Sarjamin Muchulka.)
       3. Post Mortem Report.
       4. Personal details (citizenship number, address, email etc) of nominee
       5. Banking details of nominee for claim processing
       6. Relationship certificate
   
• 16. Where do I have to submit claim documents?
  Submit your documents digitally via Viber to +9779801575858
   
• 17. Is there any time limit to submit the claim documents?
  Yes, within 60 days of hospitalization date (occurrence date)
   
• 18. Do I need to submit all the original documents for claim process?
  No, copies will do for hospitalization.
   
• 19. When will my claim be settled?
  Within 14 days after the complete claim documents are received by HEI call center.
   
• 20. How will I get the claim amount in the country of my residence / travel or employment ?
  You can get it through cheque or transfer only into your bank account in Nepal.
   
• 21. My expense is too high but why I get very less reimbursement amount?
  Benefits are proportionate to the price of the pack.
   
• 22. Can I have the details of reimbursement amount?
  Yes, the details of the reimbursement amount will be share to the claimant before the claim is settled.
   
• 23. 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 the call center and quote the claims reference number you got through the SMS and they will help you.