1. Introduction
These Claims Assistance Terms explain Himalayan Guardian Nepal Pvt. Ltd.’s role in assisting users with insurance claims related to Himalayan Guardian Nepal Pvt. Ltd. products.
2. Himalayan Guardian Nepal Pvt. Ltd.’s Role
- Explaining the general claim process.
- Uploading or forwarding documents on the platform.
- Communicating with an insurer or rescue partner through the platform .
- Coordinating with agencies, hospitals, or users thro ugh the platform .
- Maintaining records for operational purposes in the platform.
Himalayan Guardian Nepal Pvt. Ltd. does not guarantee claim approval or payment.
3. Insurer’s Role
- Reviewing claim documents.
- Determining claim eligibility.
- Applying policy terms, exclusions, deductibles, co-payment, and limitations.
- Requesting additional information.
- Approving or rejecting claims.
- Paying approved claims.
4. User Responsibilities
- Notify the relevant emergency/rescue/claim contact within required timelines.
- Submit complete and accurate claim documents.
- Provide valid identification.
- Provide original bills, receipts, reports, prescriptions, discharge documents, or other required documents.
- Provide accident/rescue evidence where required.
- Provide oxygen/pulse (SpO2)/video records where required for altitude-related claims.
- Cooperate with Himalayan Guardian Nepal Pvt. Ltd. , insurer, rescue partner, hospital, and authorities.
5. Common Claim Documents (As Required By Insurance Company)
- Insurance policy
- Order confirmation
- Passport/identity document
- Visa or travel permit
- Accident report
- Hospital reports and medical diagnosis
- Prescriptions
- Original bills and receipts
- Discharge summary
- Pharmacy bills
- Rescue invoice or records
- Pulse oximeter readings/videos where required
- Death certificate or post-mortem report for death claims
- Legal heir/beneficiary documents where required
- Any other document requested by the insurer
6. Incomplete or False Documents
False, incomplete, delayed, altered, unverifiable, or inconsistent documents may delay claim processing or result in claim rejection by the insurer.
7. Claim Rejection
If a claim is rejected by the insurer, Himalayan Guardian Nepal Pvt. Ltd. may assist the user in understanding the insurer’s communication, but Himalayan Guardian Nepal Pvt. Ltd. is not responsible for insurer claim decisions unless expressly required by law or official agreement.
8. Contact
For claim assistance, contact Himalayan Guardian Nepal Pvt. Ltd. through dashboard support or email support@himalayanguardian.com.
himalayanguardian.com | support@himalayanguardian.com