LEGAL DOCUMENTS

Policy Wording

The complete terms and conditions governing your Himalayan Guardian Nepal insurance policy. Please read carefully before purchasing.

Contents

Policy Sections

Key terms used throughout this policy document and their precise meanings.

Overview of what is and isn't covered under your selected HGN plan.

Procedures and contacts for emergency rescue and medical assistance.

Step-by-step instructions for filing and processing an insurance claim.

Specific situations and conditions excluded from coverage.

Terms governing policy start/end dates and renewal procedures.

Process for resolving disagreements between the insured and insurer.

Legal jurisdiction and applicable laws governing this insurance policy.

Coverage Summary

Emergency medical evacuation up to $35,000

Helicopter rescue from any trekking route in Nepal

Inpatient and outpatient hospital treatment

Search and rescue operations (ground and aerial)

Emergency repatriation to home country

24/7 emergency assistance coordination

Accidental death and disability benefit

Trip cancellation due to medical emergency

Pre-existing medical conditions (unless declared)

Self-inflicted injuries or suicide attempts

Injuries under influence of alcohol or drugs

War, terrorism, or civil unrest

Trekking above 6,500m without prior approval

Activities not listed in your policy plan

Losses due to failure to follow safety guidelines

Questions?

Our team is happy to walk you through the policy terms and answer any questions.