United Ajod Insurance Claims Notice Issued
20th February 2026, Kathmandu
The non-life insurance sector in Nepal has taken a significant step toward operational transparency as United Ajod Insurance Limited (UAIL) officially issued a public notice regarding long-standing pending claims. On February 19, 2026 (Falgun 7, 2082), the company, which was formed through the landmark merger of United Insurance and Ajod Insurance, reached out to its policyholders through a formal announcement. The core message of this notice is a 35-day ultimatum for claimants to complete their pending documentation or collect their long-overdue insurance payouts. This move is part of the company’s broader strategy to clean up its balance sheet and ensure that the financial benefits of insurance reach the rightful recipients in a timely manner, as mandated by the Insurance Act 2079 and the directives of the Nepal Insurance Authority.
United Ajod Insurance Claims
United Ajod Insurance Limited, headquartered at the CTC Mall in Sundhara, Kathmandu, has identified a significant number of claim files that have remained open for an extended period. The primary reason cited by the company for these delays is the lack of complete documentation from the side of the policyholders. In the complex world of general insurance, a claim cannot be legally finalized without a full set of evidence, which includes police reports, surveyor assessments, and original bills. By issuing this 35-day deadline, UAIL is providing a final window for individuals and businesses to submit the missing pieces of their claim files. If the claimants do not respond within this stipulated timeframe, the company has stated it will proceed with the administrative closure of these files, effectively considering the claims as withdrawn or invalid due to non-compliance with the policy terms.
The scope of this notice is extensive, covering nearly all classes of non-life insurance products offered by the company. This includes Motor Insurance, which often sees the highest frequency of claims; Property Insurance, covering fire and earthquake damages; Engineering Insurance, for construction and machinery risks; and Marine Insurance, which protects goods in transit. For motor insurance claimants specifically, the pending documents often involve the final repair bills, the spot survey report, or a copy of the updated Blue Book. In cases of property or fire insurance, the missing links are frequently the fire brigade report or the municipality muchulka (verification document). The company’s head office claim department at Sundhara is currently working to reconcile these files, and policyholders are encouraged to check their claim status either through the central office or their respective provincial and branch offices located across all seven provinces of Nepal.
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The technical process for settling these pending claims requires a disciplined approach from the policyholders. Once a claimant visits a United Ajod office, they must provide their claim reference number or policy number to retrieve their file. The company’s claim officers will then identify the specific missing documents, which might also include a Discharge Voucher—a legal document where the policyholder agrees to the final settlement amount and releases the company from further liability for that specific incident. For claims that have been pending for more than a year, the company may also require updated bank account details (IBAN/Account Number) to ensure that the electronic fund transfer (EFT) is successful, as the Nepal Insurance Authority has moved toward a mandatory cashless settlement system to reduce fraud and administrative delays.
The regulatory significance of this notice cannot be overstated. Under the Insurance Act 2079, insurance companies are required to settle valid claims within 30 days of receiving a complete document set. However, when the documentation is incomplete, the liability remains on the company’s books as an Outstanding Claim. This impacts the company’s Solvency Margin and its ability to take on new risks. By clearing these old files, United Ajod is improving its financial health and showing compliance with the Nepal Insurance Authority’s push for hassle-free claim settlements. For the policyholders, this notice is a reminder that insurance is a contract of utmost good faith (Uberrimae Fidei), and both parties must fulfill their obligations—the company by paying the claim and the insured by providing the necessary evidence of loss.
In conclusion, the United Ajod Insurance claims notice is a call to action for every policyholder who has experienced an insured loss but has yet to receive their compensation. With the 35-day deadline fast approaching in late March 2026, time is of the essence. Claimants should not view this notice as a hurdle but as an opportunity to secure the financial recovery they are entitled to. Whether it is a minor motor accident claim or a significant industrial property loss, completing the documentation process now will prevent the permanent closure of the file. As United Ajod Insurance Limited continues to integrate its operations post-merger, this claims cleanup initiative marks a positive step toward becoming a more customer-centric and transparent leader in Nepal’s general insurance market.
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