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Sanima Dirghayu Bachat Khata offers higher interest rate along with annual health checkup package and insurance coverage benefit.


Note: Sanima Dirghayu scheme is applicable for all saving accounts. Please visit our nearest branch for enrollment.

Minimum balance : NPR 10,000.00

Free annual health checkup package of NPR 5,000 yearly*

Medical insurance* (Hospitalization in Nepal and India) up to NPR 50,000 (Hospitalization NPR.40,000/- and OPD NPR 10,000/-)

Accidental insurance (Death or permanent disability) of NPR 1,000,000 flat

Insurance coverage of NPR 300,000 on 6 critical illnesses

Term life insurance of NPR 25,000.00


  • Sanima Dirghayu Bachat Khata is a saving account under which customers can get benefit of annual health checkup package along with insurance coverage.

  • There is 30 days waiting period from the date of account opening/conversion for insurance coverage of medical and critical illness. However, insurance coverage under accidental is done from the account opening date.

  • The Insurance partner is Siddhartha Insurance Co. Ltd. whereas Nepal Mediciti, Grande Hospital and Grande City Clinic are health checkup partners

  • Accidental insurance is covered globally and medical insurance is covered in Nepal and India.

  • You need to make payment by debit or credit card to avail health checkup scheme.

  • The bank will reimburse within two weeks from the transaction/health checkup date.

  • You can claim for both the insurance and health packages once a year.

  • The documents required for medical claim are as follows:

    1. Claim form duly filled and signed by the account holder.
    2. Attending doctor’s/hospital’s prescriptions copy.
    3. Original cash bills incurred for medical expenses.
    4. Admission and discharge slip( patient must have stayed in the hospital for at least 24 hrs)
    5. Bank’s letter with details of accountholder.


    The claim procedure in-case of hospitalization is as follows:

    1. In case of hospitalization, The Insured can go to any hospital (registered) in Nepal and India and claim for reimbursement later.
    2. The Bank (branch) shall be approached with all claim documents.
    3. Claim shall be intimated within 35 days of the event.
    4. The claims shall be settled within 15 days of submission of all the documents.
    5. The insurance company shall directly reimburse the claim amount in client’s account.

    The claim process and list of required documents in-case of critical illness is mentioned in  "Claim Requirement.

    1. Please contact the concerned hospital (Nepal Mediciti, Grande and Grande City) and ask for wellness center or package providing department.
    2. Ask for an appointment for health package.
    3. Before the appointment date, do not eat anything after midnight, no tea or coffee is allowed, you may take your regular medicine for thyroid, blood pressure etc with plain water.
    4. Please carry your Debit Card of Sanima Bank
    5. Please carry your registration card if you are already a patient at the said hospital
    6. The tests will take about 3-4 hours to complete
    7. After the tests are complete please contact the wellness center or package providing department for appointment for doctor consultation.

  • Once you open/convert your account into Sanima Dirghayu Bachat Khata, you are eligible for Accidental Insurance, Medical Insurance and Annual Health Checkup plan. However, you can avail annual health checkup after 6 months of account opening/conversion and at the time of health checkup date the average 6 month’s balance must be at least NPR 500,000. You will not be eligible for the reimbursement, if you take the annual health checkup facilities before 6 months of account opening/conversion. The bank will notify you after 6 month if you are eligible for health checkup scheme.

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