Kailash Rakshya Kavach
Kailash & Mansarovar
Ngari, Tibet — via the Nepal corridors
© Yasunori Koide · CC BY-SA 4.0
Product summary
KAK at a Glance
Altitude Ceilings
4,600m on the Manasarovar Plan · 5,630m on the Kailash Plan
Duration
10 days (Manasarovar) or 14 days (Kailash)
Who It Covers
Pilgrims and travellers aged 12–80, all nationalities
Approved Routes
Rasuwa Gadi, Tatopani, Hilsa corridors + Lhasa fly-in
Oxygen Support
Free medical-grade oxygen at Chiu Gompa and Darchen
Top Insured Benefit
Up to $15,000 Accidental Death & Disability
Kailash Rakshya Kavach (KAK) is Kailash Mansarovar travel insurance from Himalayan Guardian Nepal, underwritten by IGI Prudential Insurance — built specifically for the pilgrimage.
Insured protection with route-specific safety services — free oxygen support, four service points, ground rescue coordination and 24/7 emergency assistance, with an optional Tracer M3 satellite device — for travellers aged 12–80 on the approved Nepal–China corridors.
12–80
Years of Age Covered
5,630 m
Kailash Plan Ceiling
$15,000
Top Insured Benefit
4
Route Service Points
24/7
Kathmandu Response Centre
© Ondřej Žváček · CC BY 2.5
© Varun Bhoopalam · CC BY-SA 4.0
© Jean-Marie Hullot · CC BY-SA 4.0
© Jean-Marie Hullot · CC BY-SA 4.0
The Sacred
Landscape
Mount Kailash rises 6,638 metres over the Ngari plateau — sacred to Hindus, Buddhists, Jains and the Bon tradition alike, and by shared custom never climbed. Pilgrims do not ascend it; they walk around it. The 52-kilometre Kora circles the mountain in a journey most complete over two to three days, cresting at the 5,630-metre Dolma La among prayer flags and cairns.
Below it lies Lake Manasarovar at 4,590 metres — one of the highest freshwater lakes on earth, where pilgrims bathe and circle the shore before turning toward the mountain. The lakeside monastery of Chiu Gompa watches from a crag on its north-western shore, and the town of Darchen, at the foot of the mountain, is where every circuit of Kailash begins and ends.
The whole journey unfolds above four thousand metres — remote, spectacular, and demanding respect for altitude at every stage. That is the landscape KAK was written for.
On film
Get to Know the Kailash Region
Kailash Kora Trek — Crossing the Mighty Dolma La
The Kailash Kora · Film by nepāla360
Best time to travel
Clear Passes &
Saga Dawa
The pilgrimage season runs May to mid-October — the window when the Dolma La stays open and the corridors from Nepal are running.
Most popular time
May–June and September, for the most settled weather on the plateau
Clearest skies
Early autumn brings the sharpest views of the north face
Culturally significant
Saga Dawa — the festival at the full moon of May–June, when the Kora is busiest
When the pass closes
Snow shuts the Dolma La from late October until spring
Why specialized insurance
Six Reasons Pilgrims Choose KAK
Built for sustained altitude
Plan ceilings matched to the route itself — 4,600 m around Mansarovar, 5,630 m over the Dolma La — with Accidental & AMS Medical Treatment up to USD 3,000.
Far from full medical care
The route runs distant from complete medical infrastructure. KAK answers with free medical-grade oxygen at Chiu Gompa and Darchen.
Long stretches without signal
Mobile coverage disappears for sections of the journey. The optional Tracer M3 keeps satellite location reporting and one-button SOS available.
Transport that is hard to arrange
Emergency ground transport in remote Tibet is complex to coordinate alone. KAK covers it up to USD 2,000 — with HGN coordinating the response.
Support on the route itself
Four KAK service points along the pilgrimage — presence on the ground, not just a policy document in your bag.
Built for a remote claim, not a city one
Documenting an incident alone, days from a city, is not realistic. HGN coordinates on the ground; IGI Prudential Insurance assesses and settles under the issued policy.
Kailash Rakshya Kavach
KAK Plans & Pricing
Two plans, priced by age band. KAK customers receive full operational services — oxygen support, service-point access, rescue coordination, claims assistance, and 24/7 support.
Duration is fixed per plan — pick a plan below to see its length.
Manasarovar Plan
10 Days · ≤ 4,600m
insurance only
Kailash Plan
Recommended14 Days · ≤ 5,630m
insurance only
A $100 excess applies to medical liability claims. Tracer M3 requires a USD 150 refundable security deposit. .
Terms & Conditions
Read the policy documents before purchasing coverage. Each opens as a PDF.
Protection, two ways
What's Standing Behind You
KAK is two layers working together: insured financial protection, and operational support present on the route itself. Both are included with every KAK plan.
Insured Benefits
IGI Prudential© Yasunori Koide · CC BY-SA 4.0
USD 15,000
Accidental Death & Disability
USD 3,000
Accidental & AMS Medical Treatment
USD 2,000
Emergency Medical Transport / Ground Rescue
USD 2,500
Repatriation of Mortal Remains
Maximums per insured traveller per trip, subject to policy terms, eligibility, medical criteria and a USD 100 excess on medical liability.
Operational Support
HGN on route
© Jean-Marie Hullot · CC BY-SA 4.0
Free medical-grade oxygen
Chiu Gompa and Darchen
Four route service points
Chiu Gompa · Darchen · Dirapuk · Shubje Drak Thok
24/7 emergency assistance
Emergency Response Centre, Kathmandu
Ground rescue coordination
Response matched to condition and location
Claims documentation assistance
Through the full claims process
Before you compare policies
Is KAK More Than Standard Travel Insurance?
Coverage varies by insurer — here's where KAK's answer differs from a typical policy, point by point.
Journey Design
Broad, general coverage — not written for this route.
—Purpose-built for the Kailash-Mansarovar pilgrimage and its approved corridors.
Altitude
Often a low ceiling, or exclusions once you go high.
—4,600 m (Mansarovar) or 5,630 m (Kailash) — matched to the plan.
AMS (Altitude Sickness)
Coverage varies, often unclear until you need it.
—AMS Medical Treatment up to USD 3,000, subject to policy conditions.
Ground Emergency Transport
Usually reimbursement-based — you pay first, claim later.
—Up to USD 2,000, with HGN coordinating the response directly.
Oxygen Support
Not typically an insurance service at all.
—Free medical-grade oxygen at Chiu Gompa and Darchen.
Route Service Points
No presence on the ground — a policy document, nothing more.
—Four KAK service points along the pilgrimage route.
Satellite Device
Not normally bundled or offered.
—Optional Tracer M3 — satellite location and SOS where mobile signal can't reach.
24/7 Response
A global call centre, if one exists at all.
—HGN's own Emergency Response Centre in Kathmandu, staffed around the clock.
Claims Assistance
Varies — often just a claims form and a phone number.
—HGN supports documentation and coordination; IGI Prudential assesses and settles.
This reflects KAK's current design, not a claim that every standard policy lacks these features. Coverage varies by insurer and policy.
Terms & practicalities
Travel Information: KAK
Eligibility
- Ages 12–80, all nationalities
- Valid passport, travel documents and permits
- Truthful health self-declaration at purchase
- Travel on an approved route and itinerary
When Coverage Starts
- Buy before the trip begins and before entering China
- Your departure date is the intended service start
- Policy issued at the earliest T-2 days before departure
- Once issued, the policy is irrevocable
Cancellation & Refund
- Before issuance: cancel with a 15% deduction
- After issuance: irrevocable and non-refundable
- Eligibility rejection by HGN: full refund
Claims
- Notify KAK support within 48 hours
- Submit documents within 21 days
- IGI Prudential assesses under the issued policy
- Accepted claims settle within 15 days of agreement
Emergency Assistance
- Report via KAK channels (or Tracer M3 SOS if active)
- Identity, location and eligibility confirmed
- Ground rescue / medical transport coordinated
- HGN supports claims documentation throughout
Exclusions
- Undisclosed pre-existing conditions
- Travel outside approved routes or documentation
- Restricted high-risk activities; unlawful conduct
- See the official policy wording for full terms
Summaries only — refer to the official policy wording for complete terms, conditions, limitations and exclusions.
KAK Questions
Coverage, pricing, oxygen, routes and claims — answered directly.
Still have questions? Contact usKAK is a standalone Kailash-Mansarovar travel insurance product from Himalayan Guardian Nepal, underwritten by IGI Prudential Insurance, combining insured benefits with route-specific safety services.
Yes. KAK is travel insurance, but not just standard travel insurance — it also adds oxygen support, service-point access, emergency coordination, claims assistance, 24/7 support, and optional satellite tracking.
KAK covers up to USD 15,000 Accidental Death & Disability, USD 3,000 Accidental & AMS Medical Treatment, USD 2,000 Emergency Medical Transportation / Ground Rescue, and USD 2,500 Repatriation of Mortal Remains, subject to policy terms.
KAK includes Accidental & AMS Medical Treatment up to USD 3,000, subject to policy medical criteria, health disclosure, terms, exclusions and a USD 100 excess.
Mansarovar Plan pricing ranges from USD 125 to USD 175 by age band; the Kailash Plan ranges from USD 155 to USD 225, as shown in the plans table above.
The Mansarovar Plan has an altitude ceiling of 4,600 m; the Kailash Plan has an altitude ceiling of 5,630 m.
A 10-day KAK plan with an altitude ceiling of 4,600 m, designed around the Lake Manasarovar portion of the journey.
A 14-day KAK plan with an altitude ceiling of 5,630 m, structured to include the Kailash Kora.
Yes. Free medical-grade oxygen support is included at Chiu Gompa and Darchen for all KAK customers.
Oxygen is confirmed at two of the four KAK service points: Chiu Gompa and Darchen.
Chiu Gompa, Darchen, Dirapuk, and Shubje Drak Thok.
IGI Prudential Insurance underwrites the insurance component of Kailash Rakshya Kavach.
KAK is available to travellers aged 12–80.
KAK's approved route framework covers departures from Nepal via Rasuwa Gadi, Tatopani, or Hilsa, with the Kailash Plan continuing through the Kailash Kora via Darchen, Dirapuk, Dolma La Pass and Zutulpuk.
When an emergency arises, HGN assesses the traveller's condition and location, then coordinates ground rescue or emergency medical transportation appropriate to the circumstances, up to the USD 2,000 policy benefit.
Notify KAK support within 48 hours of the incident, submit required documents within 21 days, and IGI Prudential Insurance will assess the claim; HGN assists with documentation and coordination throughout.
Yes, before the policy is issued, subject to a 15% deduction from the contract price. Once the policy is issued, it becomes irrevocable and non-refundable.
Before your trip/trek begins and before entering China — ideally as soon as your itinerary and departure date are confirmed.
Sacred Journey.
Fully Protected.
Insurance, oxygen support and 24/7 assistance for the Kailash Mansarovar Yatra — covered in minutes.