Permanent disability coverage
up to NPR 10,00,000 for drivers, couriers and passengers
Bodily Injury
up to NPR 3,00,000 for drivers, couriers, and passengers
Coverage details
Drivers & Passengers:
For 2-wheeler: 1 driver and 1 passenger is covered
For 4-wheeler / 3-wheeler: 1 Driver plus 4 passengers are covered
Age eligibility Available for drivers, couriers aged 18 to 70 years and passengers aged 1 to 70 years.
Start & End
Drivers: From the moment a trip is accepted until the trip is completed or canceled.
Passengers: From the time the driver arrives for pickup until the trip is completed or canceled.
Exclusions
The following cases are not covered by insurance program:
- Suicide or intentional self-injury
- War, civil unrest, rebellion, or military action
- Pre-existing medical or mental conditions
- Criminal acts or illegal activities
- Offline or private trips not booked via YANGO
- Intoxication (alcohol, narcotics, or drugs)
- Physical altercations or assaults
- Nuclear risks or radioactive exposure
- Consequential losses (e.g., missed flights)
- Claim amount below NPR 3,000
- Vehicle damage or personal belongings
- Insurance is valid only if the passenger’s mobile number is entered at the time of booking. If the mobile number is not entered, the claim will be rejected, except when the ride is booked for the registered user's family member. In such cases, coverage may apply, subject to submission of documents to prove the relationship.
*Insurance is underwritten by United Ajod Insurance Limited (UAIL) with coordination support from Khalti Suraksha or other approved underwriters. Terms and conditions apply.
