Health Insurance Board Waives Co-Payments and Coverage Caps in Flood-Affected Districts
8th September 2026, Kathmandu
The Health Insurance Board has decided to suspend co-payment requirements and remove maximum coverage caps for three months for insured individuals in Rasuwa, Nuwakot, and Dhading following severe disaster damage.
Health Insurance Board Waiver
Temporary Policy Relief and Benefit Structure
Waiver of Co-Payments: Insured citizens receiving medical care at designated service-provider health institutions in Rasuwa, Nuwakot, and Dhading will not be required to pay out-of-pocket co-payments during the three-month period.
Suspension of Capping Provisions: Annual coverage limits and capping constraints applicable under the standard health insurance scheme are temporarily suspended across all three designated districts.
Decision Timeline and Context: The Health Insurance Board enacted the measure on Bhadra 22 (September 8) in alignment with the government declaration designating Rasuwa, Nuwakot, and Dhading as disaster crisis-affected zones for three months.
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Verification System for Missing Insurance Cards
Digital Identification: Insured residents who lost or misplaced their physical health insurance cards during the flood can access medical treatment without interruption.
System Protocol: Designated health institutions have been instructed to verify cardless patients using their health insurance numbers through the Integrated Management Information System user portal.
Disaster Background and Implementation Directives
Flood Impact: Emergency relief measures respond to widespread infrastructural damage caused by flash flooding originating from the Lende Khola in Rasuwa on Bhadra 10 (August 26).
Official Stakeholder Directives: Senior Medical Superintendent and Board Spokesperson Dr. Pawankumar Sah confirmed that official directives have been issued to healthcare facilities and stakeholders to ensure seamless implementation.
For More: Health Insurance Board Waiver
