aLdf ;ldlt

BEEMA SAMITI
g]kfnsf] aLdf lgodgsf/L lgsfo
Insurance Regulatory Authority of Nepal

b/vf:t kmf/fd
-v'Nnf k|ltof]lutfTds k/LIffsf nflu_
kmf/fd g+=M–

sfo{fnosf] k|of]hgsf] nflu b/vf:t -!_ v'Nnf xfn;fn} lvr]sf]

btf{sf] l;nl;n]jf/ -@_ ;dfj]zL kf;kf]6{ ;fOhsf] k"/}
gDa/M– dlxnf cflbjf;L÷hghftL d'vfs[lt b]lvg] kmf]6f]
6fF;L kmf]6f]df ;d]t
btf{ ldltM– Dfw]zL blnt ckf+u kg]{ u/L pDd]bjf/n]
b:tvt ug]{

lj1fkg g+=
-s_ k/LIff lbg] kbM– -v_ >]0fLM– -u_ ;d"xM–

!= -s_ pDd]bjf/sf]
f/sf] k"/f gfd y/ MM–
-v_
v_ af]nfOg] tyf cGo k|rlnt gfdx? MM–

@= -s_ ljjflxt jf cljjflxt M–

-v_ pDd]bjf/ ljjflxt
jjflxt dlxnf ePdf kltsf] gfdM
gfdM–

#= :yfoL 7]ufgfM–
-s_ c~rnM– -v_ lhNnfM– -u_ g=kf=÷uf=lj=;=M–
-3_ j8f g+= M– -ª_ Ans g+= M– -r_ x'nfsM–

$= xfn a;]sf] 7]ufgfM–

-s_ c~rnM– -v_ lhNnfM– -u_ g=kf=÷uf=lj=;=M–
-3_ j8f g+= M– -ª_ Ans g+= M– -r_ x'nfsM–
-cfˆgf]
gf] 7]ufgf ;/]df ;ldltnfO
;ldltnfO{ ;"rgf lbg'kg]{5 . pDd]bjf/n]
f/n] n]v]sf] xfn a;]sf] 7]ufgfdf ;ldltaf6 n]vfk9L x'g]
x'gfn] 7]ufgf ;/]df kq cfkm" sxfF k'Ug] k|aGw ldnfpg' kg]{5 ._

%= afh]÷;;'/f -ljjflxt
ljjflxt dlxnf eP_ sf] k"/f gfd y/ M–

^= afa'sf] -s_ k"/f gfd -y/

y/ ;d]t_ MM– -v_ k]zfM–
-u_ 7]ufgfM–

&= -s_ pDd]bjf/sf]

f/sf] hGd ldlt MM–
-v_
v_ b/vf:t lbg] clGtd ldltdf x'g] pd]/ MM– jif{ =========== dlxgf =========== lbg =========
======
-o;
o; ;DaGwdf eP;Dd lgDg lnlvt u|fxx\otf otf qmdfg';f/sf] k|dfl0ft k|ltlnlk k]z ug{' clgjfo{ 5 ._ M–
-!_
!_ pd]/ v'n]sf] z}lIfs of]Uotfsf] k|df0f
f0f–kq
-@_ g+=-!_
!_ sf] geP pd]/ v'n]sf] gful/stf k|df0f
f0f–kq
-#_ g+=-@_
@_ adf]lhd geP cfkm" axfn /x]sf] ;+:yfn] k|dfl0ft u/L lbPsf] pd]/sf] ;Ssn k|df0f, pDd]bjf/sf]
;Dks{

kmf]g g+= ================ df]afOn g+= ================

*= gful/stf g+= M– hf/L ePsf] lhNnf M– hf/L ePsf] ldlt M–M

(= lzIff ;DaGwL of]Uotf M– P;=Pn=;L= cyjf ;f] ;/xsf tyf ;f] eGbf pRr lzIff k|fKt ePsf] eP ;dosf] qmd
ldnfP/ tn ljj/0f lbg'k5{ M–

qm=;+= pQL0f{ ePsf] k/LIff lng] ;+:yfsf] k/LIff k|fKt >]0fL / lalzi7 >]0fL k/LIffdf
k/LIff gfd / 7]ufgf pQL0f{ s"n k|fKtfÍ k|fKt u/]sf] eP lnOPsf] d"n
u/]sf] k|ltzt ljifo ljifox?
;fn

-k/LIffdf pQL0f{ ePsf] k'li6 ug{ k|df0f–kq, dfs{l;6 jf 6«fG;lqmK6 / cGo k|df0f–kqx?sf] k|dfl0ft k|ltlnlk b/vf:t
;fy} ;+nUg ePsf] x'g'kb{5 ._

!)= ljz]if of]Uotf jf tflndsf] ljj/0fM–

qm=;+= k|df0fkqsf] gfd ;+:yfsf] gfd / 7]ufgf k|fKt tflndsf] cjlw ljifo
-lsl;d ;lxt_ u/]sf]
;fn

-pQm ljz]if of]Uotf jf tflndsf k|df0f–kqsf k|dfl0ft k|ltlnlkx? b/vf:t;fy ;+nUg x'g' kb{5 . _

!!= lzIf0f ;+:yfdf cWoog ubf{ jf ;/sf/L jf u}/;/sf/L ;]jfdf /xFbf jf v]ns"b k|ltof]lutfdf efu lnO{ s'g}
k'/:sf/, dfg kbjL, tSdf, k|z+;fkq jf 5fqj[lQ cflb kfPsf] eP To;sf] ljj/0f M–
qm=;+= k'/:sf/, dfgkbjL, tSdf, k|z+;fkq jf k|fKt u/]sf] ;fn lbg] ;+:yfsf] gfd
5fqj[lQsf] gfd

-;f] k|fKt u/]sf] kqsf] k|ltlnlksf k|dfl0ft k|ltlnlkx? b/vf:t;fy ;+nUg x'g'kb{5 ._
!@= pDd]bjf/n] klxn] / clxn] ;/sf/L jf cGo ;fj{hlgs ;+:yfdf sfd u/]sf] ePdf z'?b]lvsf] lj:t[t ljj/0f M–
qm=;+= gofF gofF lgo'QmL, :yfoL kbsf] :t/ sfo{fno ;?jf, a9'jf ;?jf, a9'jf hDdf
lgo'QmL ;?jf, a9'jf jf -k|fljlws jf /fhLgfdf ug'{ casfz jf axfn
jf a9'jf dWo] s'g c:yfoL ck|fljlws, s'g e} jf vf]l;O{ /fhLgfdf s'g /x]sf]
ePsf] xf] < >]0fL jf tx ;f] kbdf /xL lsl;dsf] cjwL
ldlt clws[t jf axfn /x]sf] xf] < :ki6
;xfos :t/_ clGtd ldlt pNn]v x'g'k5{

!#= g]kfnL efiff afx]s, n]vk9 ug{ hfg]sf c? efiffx?M–

qm=;+= efiffsf] gfd Aff]Ng dfq ;S5' Kf9\gdfq ;S5' af]Ng, k9\g / n]Vg pQL0f{ u/]sf]
;S5' k/LIff-s'g} eP_

!$= afgL k/]sf] ;f]v tyf clGtd k/LIff pQL0f{ ePkl5 u/]sf sfdsf] ljj/0f M–

!%= cfˆgf] kl/ro /fd|/L kfPsf] gft]bf/ afx]s, b'O{ hgf k|ltli7t JolQmx?sf] gfd, y/ / k"/f 7]ufgfM–
-s_ gfdM– -v_ gfdM–
7]ufgfM– 7]ufgfM–

!^= b:t'/ a'emfPsf] ef}r/ jf /;Lb gDa/ ==================================== ldlt ======================

!&= pDd]bjf/n] hfFr lbg] k/LIff s]Gb| ==========================================

!*= cGo s'g} kbsf] nflu o; ;ldltdf b/vf:t lbg' ePsf] lyof] < of] k/LIffsf] ;fy;fy} c? kbsf] k/LIff lbFb}
x'g'x'G5 < ljj/0f lbg'xf];\ M–
qm=;++= kb tyf k|ltof]lutf ePsf] jf x'g] k|ltof]lutfdf /f]n g+= jf b/vf:t lj1fkg g+=
tx ;lDdlnt e} ;Sg' btf{ g+= / ldlt
;fn dflxgf :yfg ePsf] eP ;kmn x'g'
/ ut] eof] jf x'g' ePg<
 pDd]bjf/n]
bjf/n] Wofg lbg'kg]{ s'/fx?
bj
!= b/vf:t;fy lgDgfg';f/sf sfuhftx? ;+nUg x'g' kg]{5M–

-s_ pd]/ v'n]sf] k|dfl0ft k|ltlnlk .

-v_ gful/stfsf] k|df0f–kqsf] k|dfl0ft k|ltlnlk .

-u_ z}lIfs of]Uotfsf] k|df0f–kq / dfs{l;6sf] k|dfl0ft k|ltlnlkx? .

-3_ g]kfn ;/sf/sf] gf]s/L jf cGo ;fj{hlgs ;+:yfgdf sfd u/L cg'ej k|fKt u/]sf] eP To;/L k|fKt u/]sf]
cg'ej o; b/vf:t kmf/dsf] bkmf !@ adf]lhd e/L ;a} s'/f :ki6 b]lvg] u/L pDd]bjf/n] sfd ul//x]sf]
;+:yfg, sfo{fno, ljefu, dGqfno jf lstfavfgfaf6 k|dfl0ft u/fO{ ;f] k|df0f pDd]bjf/n] o;} b/vf:t
;fy} k]z ug'{ kg]{5 . -oxL k|df0fsf] cfwf/df sfof{non] pDd]bjf/sf] cg'ejsf] d"NofÍg ug{ ;Sg]5 ._

-ª_ b/vf:t;fy la1fkgdf pNn]lvt nufot lgDglnlvt sfuhftx? clgjfo{ ?kdf pDd]bjf/ cfkm}n]
k|dfl0ft u/L k]z ug'{kg]5
{ .

@= nf]s;]jf cfof]un] dfGotf lbPsf] z}lIfs of]UotfnfO{ dfq o; ;ldltn] dfGotf lbg]5 .

#= cGtjf{tf{sf] lbg pDd]bjf/n] cfˆgf] ;a} ;Ssn k|df0f–kq ;lxt pkl:yt x'g'kb{5 .

o;df n]lvPsf] s'/fx? k9L e/]sf] hjfkm ;a} d}n] hfg]a'em];Dd 7Ls b'?:t 5 . lghfdtL ;]jf P]g jf s'g}klg
;fj{hlgs ;+:yfsf] ljlgod nfu" ePkl5 eljiodf ;/sf/L jf ;fj{hlgs ;+:yfg jf ;ldltsf] gf]s/Lsf] lgldQ
;fdfGotof cof]Uo 7xl/g] u/L gf]s/Laf6 avf{:t ePsf] 5}g / d]/f] lgo'lQmsf] ;DaGwdf c;/ kg{ ;Sg] s'g} s'/f
;d]t d}n] hfgL–hfgL n'sfPsf] 5}g egL ;xL5fk ug]{M–

ldlt ÷ ÷ ÷ pDd]bjf/sf] k"/f x:tfIf/

=====================================
NofKr] ;xL5fk

bf= af=
sfof{nosf] ;DalGwt sd{rf/Ln] eg]{ M–

-!_ b/vf:t tyf JolQmut ljj/0f kmf/d k|lt =================

-@_ k|j]z kq k|lt ================= /f]n g+= ================
-#_ k|dfl0ft k|ltlnlkx?sf] ;+nUg k|lt ====================
-$_ ===============================a}+s ================================ ef}= g+=÷/l;b ================= ldlt ===========================
gDa/ ====================
-%_ b/vf:t a'‰g]sf] x:tfIf/ / ldlt ==========================
-^_ b/vf:t :jLs[t÷c:jLs[t ug]{ clws[tsf] x:tfIf/ / ldlt =========================
 aaLL dfd; f ldlt
BEEMA SAMITI
; ldlt
g]kfnsf] aLdf lgodgsf/L lgsfo
INSURANCE BOARD
Insurance Regulatory Authority of Nepal

Rffjlxn,
k|ltof]lutfTds
cGt{jftf{÷lnlvt xfn;fn} lvr]sf]
kf;kf]6{ ;fOhsf]
k|j]z–kq k"/} d'vfs[lt b]lvg]
kmf]6f] 6fF;L
kmf]6f]df ;d]t kg]{
lj1fkg g+= ================ lj1fkg ePsf] jif{ ============= u/L pDd]bjf/n]
k/LIff s]Gb|M– b:tvt ug]{

!= k/LIffyL{n] eg]{M–
-s_ gfd, y/M–
-v_ k/LIff lbg] kbM– >]0fLM– ;d"xM–
-u_ ;]jfM–
-3_
3_ k/LIffyL{sf] b:tvtsf] gd"gfMfM–

@= sfof{nosf] ;Da lGwt clws[tn] eg]{M–

;DalGw
lGwt ldltM–

o; sfof{noaf6 ldlt ===============df÷

===============df÷b]b]lv lnOg] pQm kbsf] k/LIffdf lgDg s]Gb|af6 tkfO{nfO{ ;lDdlnt u/fpg cg'dlt lbOPsf]
5.

s]Gb|M– /f]n gDa/M– b:tvtM–

btf{M–

gf]6M–s[kof k5fl8 x]g'{xf]nf .

aLdf ;ldlt
BEEMA SAMITI

g]kfnsf] aLdf lgodgsf/L lgsfo

Insurance Regulatory Authority of Nepal

k|ltof]lutfTds
cGt{jftf{÷lnlvt xfn;fn} lvr]sf]
kf;kf]6{ ;fOhsf]
k|j]z–kq k"/} d'vfs[lt b]lvg]
kmf]6f] 6fF;L
kmf]6f]df ;d]t kg]{
lj1fkg g+= ================ lj1fkg ePsf] jif{ ============= u/L pDd]bjf/n]
k/LIff s]Gb|M– b:tvt ug]{
!= k/LIffyL{n] eg]{M–
-s_ gfd, y/M–
-v_ k/LIff lbg] kbM– >]0fLM– ;d"xM–
-u_ ;]jfM–
-3_
3_ k/LIffyL{sf] b:tvtsf] gd"gfMfM–
@= sfof{nosf] ;DaGwLt clws[tn] eg]{M–
ldltM–

o; sfof{noaf6 ldlt ===============df÷b]lv lnOg] pQm kbsf] k/LIffdf lgDg s]Gb|af6 tkfO{nfO{ ;lDdlnt u/fpg cg'dlt lbOPsf]
5.
s]Gb|M– /f]n gDa/M– b:tvtM–
btf{M–

gf]6M–s[kof k5fl8 x]g'{xf]nf .