. The harshest truth of life is that illness and accident never give information.

Even a healthy person can reach a hospital bed in an instant. Statistics from around the world show that the major economic shocks faced by most families start with a sudden health problem.

In Nepal, the risk is even deeper. Here, a large part of the cost of health care still has to be paid for by yourself. Once hospitalized, many families are overwhelmed by the worry of how to raise money before treatment. Considering this reality, Sun Nepal Life Insurance has launched ‘Sun Medicare’ – to provide relief in case of an emergency, which can be a financial support in the event of a health crisis.

Why is such a plan needed?

Most of us overlook the great risks of the future—the instinctive “nothing will happen to me.” But the reality is different. A small accident, an unexpected illness—and a few days of hospital stay can wipe out years of savings.

In a country like Nepal, where middle-class families are living on limited incomes, such economic shocks are even more severe. Therefore, a security plan that provides immediate relief at a low cost is no longer a luxury, but a necessity.

What is Medicare?

Sun Medicare is an affordable yet effective insurance rider, offering comprehensive protection at low premiums. People between the ages of 5 and 69 can get a maximum coverage of up to Rs 100,000 by paying only Rs 1,393 annually. This facility can be easily integrated with other life insurance plans of Sun Nepal Life as an add-on.

15 Types of Emergencies and Disease Protection

The scheme provides financial assistance for 15 types of risks including accidents on road, home or workplace as well as appendicitis, heart attack, stroke, burns, drowning, snake bites and mental health emergencies.

Direct cash assistance for hospital stays

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One of the strongest aspects of this scheme is the cash benefit available during the hospital stay—which provides relief before the bill is pre-bill

ed.

For the first 2 days, 25 percent of the sum insured is provided for the first two days and 10 percent of the sum insured for the next 5 days.

According to Sun Nepal Life, Sun Medicare, which is applicable to hospitals within Nepal, provides financial support in case of hospitalization for more than 24 hours. The simple claim process and fast payment arrangement relieves the patient and family of the worry of treatment expenses to a great extent.

Life is uncertain, but preparation is possible. For more information, you can contact the company’s website and official mobile number 9801234444. Currently, there are 148 branches and sub-branches in the country.