Himalayan Guardian Nepal Launches First Device-Based Insurance For Foreign Tourists to Curb Rescue Fraud

15th January 2026, Kathmandu

In a revolutionary move for the Nepalese tourism industry, Himalayan Guardian Nepal (HGN) has officially launched the nation’s first government-approved, device-based insurance service designed specifically for foreign tourists.

Nepal Launches First Device-Based Insurance

This innovative system aims to restore international trust by tackling the long-standing issues of helicopter rescue fraud, high insurance premiums, and medical overbilling in the Himalayas.

A Tech-Driven Solution for Safer Adventure

The new service, known as the Comprehensive Tourism Guard (CTG), integrates advanced satellite technology with local insurance processing.

In a press conference held in Kathmandu, HGN representatives highlighted that this is the first time a system has combined IoT (Internet of Things) devices with insurance policies approved by the Nepal Insurance Authority and the Nepal Telecommunication Authority.

Key Features of the Device-Based Service:

Satellite-Connected SOS: Each tourist is equipped with a satellite-linked tracker (Tracer/Messager) featuring a one-touch SOS button.

Rapid Emergency Response: Once the SOS is activated, local rescue operators and medical professionals are alerted within 30 seconds, ensuring aid reaches the exact GPS location within 30 minutes.

Cashless Claims: Unlike old systems where tourists had to pay upfront and seek reimbursement from foreign companies, this local system facilitates smoother, cashless medical and rescue coordination.

Real-Time Monitoring: The devices allow for real-time tracking and vital sign monitoring, ensuring that rescue missions are only launched for genuine emergencies.

Combatting High Premiums and Fraud

For decades, Nepal’s trekking and mountaineering sectors have been managed by local Sherpas and professional guides. However, recent international media reports have exposed a rise in unnecessary helicopter evacuations and medical scams.

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Because traditional insurance claims were handled through foreign companies, the Nepalese government had little control over the process. This lack of oversight led many global insurers to increase premiums significantly or stop selling policies for Nepal altogether.

Himalayan Guardian Nepal aims to solve this by:

Localizing the Claims Process: Keeping the insurance and rescue coordination within Nepal allows the government to monitor and regulate every mission.

Stopping Scams: Real-time data from the devices provides evidence of the tourist’s location and physical state, making it nearly impossible for fraudulent operators to claim unnecessary rescues.

Reducing Costs: By eliminating fraud, the company can offer some of the world’s most competitive rates for high-altitude coverage.

Affordable Insurance Packages for Every Traveler

HGN has introduced three-tiered levels of insurance to match the diverse needs of Nepalese visitors:

Note: All packages can be purchased exclusively through registered trekking and tour agencies in Nepal.

Restoring Nepal’s Global Reputation

The launch of this service marks a “new chapter in Nepal’s tourism security,” according to Dr. Dhananjay Regmi, former CEO of the Nepal Tourism Board and initiator of HGN. 

By blending affordability with high-tech rescue coordination, Nepal is positioning itself as a world leader in responsible and safe adventure tourism.

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