Insurance & Reinsurance - Nepal's Risk Shield
We’re backing Nepal’s essential insurance and reinsurance sector. With over 20 general and life insurers, insurance penetration is still low — just around 2.5% of GDP — giving it huge growth potential.
Life insurance is expanding fast as the middle class grows, while general insurance rides the boom in infrastructure and hydropower projects. Reinsurance plays a critical role by allowing local companies to safely underwrite bigger risks, especially large dams and energy projects.
It’s a classic defensive play: steady premium income, predictable claims, and long-term compounding as Nepal develops. The sector benefits from rising awareness, increasing regulations, and a growing economy.
Main risks are intense competition and occasional regulatory shifts, but overall it’s a slow-and-steady performer that gets stronger as the country gets richer.
