Citizen Investment Trust Discount For Hospital Services

30th March 2026, Kathmandu

Citizen Investment Trust (Nagarik Lagani Kosh) has introduced a new benefit scheme under the Citizen Investment Trust Discount, offering special healthcare discounts to its members, shareholders, and employees.

Citizen Investment Trust Discount

This strategic initiative was formalized following a memorandum of understanding (MoU) between Citizen Investment Trust and Nisarga Hospital and Research Center Pvt. Ltd., located in the bustling city of Dhangadhi. In 2026, as institutional welfare becomes a priority for major financial bodies in Nepal, this move ensures that the social security provided by CIT extends well beyond simple retirement savings.

The Citizen Investment Trust Discount is designed to provide a tangible value-add to the daily lives of those associated with the trust. By bridging the gap between financial services and essential healthcare, CIT is positioning itself as a holistic partner in the long-term well-being of its stakeholders.

Agreement Between CIT and Nisarga Hospital

Under the official Citizen Investment Trust Discount framework, a formal agreement was signed between the two organizations to streamline medical billing for CIT affiliates. This partnership aims to provide affordable and high-quality healthcare services to individuals who contribute to or own shares in the Citizen Investment Trust.

The agreement ensures that any participant, shareholder, or employee of the trust who seeks medical attention at Nisarga Hospital will be eligible for a reduction in costs. This is particularly significant for residents of Sudurpashchim Province, as Nisarga Hospital is one of the leading private medical facilities in the region, equipped with modern diagnostic and surgical tools.

Who Can Benefit from the Discount

The Citizen Investment Trust Discount applies to a remarkably wide group of beneficiaries, ensuring that the impact of the reform is felt across the entire institutional hierarchy. The eligible groups include:

Participants: Any individual currently enrolled in Citizen Investment Trust schemes, such as the Employee Savings Retirement Fund.

Shareholders: Investors who hold equity in Nagarik Lagani Kosh (CIT).

Employees: All staff members directly affiliated with the trust across its various branches.

This broad coverage makes the scheme highly beneficial for a large number of individuals, effectively acting as a supplementary health insurance benefit for those connected to the institution.

Healthcare Services Covered

While the exact percentage of the Citizen Investment Trust Discount may vary based on the specific department or nature of the procedure, it typically applies to a comprehensive range of hospital services. These include:

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General Health Check-ups: Routine physical examinations and consultations with general practitioners.

Diagnostic Services: Discounts on laboratory tests, X-rays, USG, and other advanced imaging technologies.

Hospital Treatments: Reductions in bed charges and indoor patient department (IPD) services.

Specialized Medical Services: Consultations with specialists in fields such as cardiology, orthopedics, and gynecology.

Such benefits can significantly reduce the out-of-pocket healthcare expenses for families, especially those requiring regular medical monitoring or emergency interventions.

Importance of Institutional Partnerships

The Citizen Investment Trust Discount highlights a growing and positive trend in the corporate sector of Nepal. Financial institutions are increasingly looking beyond traditional interest rates and dividends to improve member welfare. By collaborating with established healthcare providers, CIT is expanding its service ecosystem to include “lifestyle and wellness” benefits.

This initiative not only enhances the perceived value of being a CIT member but also promotes better health awareness. When quality medical care becomes more affordable through an institutional tie-up, members are more likely to seek timely medical advice, leading to better long-term health outcomes.

Focus on Affordable Healthcare in Dhangadhi

Dhangadhi, as a major economic hub in far-western Nepal, has seen a rapid increase in the demand for accessible and professional healthcare. The partnership between Citizen Investment Trust and Nisarga Hospital directly addresses this demand. Through the Citizen Investment Trust Discount, beneficiaries in this region can access top-tier medical facilities at a lower price point than the general public.

This regional focus is crucial for decentralizing high-quality benefits, ensuring that members living outside the Kathmandu Valley also receive significant value from their association with national-level institutions like CIT.

Strengthening Member Benefits in 2026

Citizen Investment Trust has been continuously working to enhance the portfolio of benefits available to its stakeholders. This healthcare discount scheme is part of a broader 2082/83 effort to provide added value and improve customer satisfaction ratings. The Citizen Investment Trust Discount also reflects the organization’s commitment to corporate social responsibility (CSR) by directly supporting the physical health of its contributors.

Conclusion

The Citizen Investment Trust Discount is a valuable initiative that successfully bridges the gap between financial security and healthcare access. By partnering with a reputable facility like Nisarga Hospital, CIT is providing practical, everyday support to its members. This move not only strengthens member engagement but also sets a high standard for other financial institutions in Nepal to follow.

For More: Citizen Investment Trust Discount