A travel insurance policy that covers cancellation, injury, death, lost baggage, theft, liability, medical treatment and expenses is strongly recommended. Make sure the insurance covers all the activities that you will be undertaking during your stay in Nepal such as trekking and climbing. If a client becomes ill, all hospital expenses, doctors’ fees and repatriation costs are the client’s responsibility.
If you are injured and unable to travel, you can ask for a rescue helicopter or charter flight from a remote airstrip only if you have definite proof you can pay for it. It costs more than US$ 4200 for a helicopter evacuation from 4000m near Mt. Everest and up to US$ 10,000 for a rescue in the far west or at high altitude. All trek organizers, Arnold Coster Expeditions , have an agreement in Kathmandu that guarantees payment for helicopter evacuations. They pay a cash deposit to the helicopter operator and collect the money from you once you have been rescued. It's then up to you to obtain reimbursement from your insurance company. Be sure your policy specifically covers helicopter evacuation. Also check that your insurance policy does not exclude mountaineering or alpinism or you may have a difficult time settling a claim. Although you will not engage in such activities, you may not be able to convince a flatland insurance company of this fact.
Most Alpine Clubs have a special insurance for their members. Check the conditions carrefully, limitations on Altitude or trip duration may apply.
Otherwise contact Global rescue insurance
for their conditions.