1. What is Neykor Ngensung?
Neykor Ngensung is a Pilgrimage Insurance for the Bhutanese travelling within and outside Bhutan on a pilgrimage (Neykor).
2. Who can apply?
Bhutanese going on a pilgrimage within and outside Bhutan.
3. Is there an age limit for applicants (Proposer)?
No. There is no age limit for policyholders.
4. How can you apply?
If you’re planning to go on a pilgrimage, you or your Tour Operator can apply for the policy with us.
5. Where can you apply the policy?
You can visit the nearest RICB Office in your area.
6. What do you require to apply?
You begin by filling out a Proposal Form (Available on ricb.bt). CID Copy. Tour itinerary.
7. What risk coverages are covered by the policy?
Death. Permanent disablement. Emergency medical evacuation. Repatriation of mortal remains. Search for a missing person. The policy also covers Health Insurance.
8. What is not covered by the policy?
This policy shall not apply to the pilgrims if the sole purpose of the travel is to secure the medical benefits under this policy.
9. When should it be applied?
Before leaving your residence or Bhutan.
10. Which countries are covered by Neykor Ngensung Leychar?
While the policy covers pilgrimage journeys within Bhutan, it also covers countries outside Bhutan, including India and Nepal.
11. What is the duration of risk coverage?
The policy duration varies from 1 to 180 days.
12. How do you intimate claims if there’s an incident?
You can call us through your Tour Operator. You can also contact us at 1818/email us at contactus@ricb.bt. You may also message us through our IG and Facebook pages.
13. What documents are required to process a claim?
Claim Form (Available on ricb.bt). Passport/Visa Copy. Itinerary copy. Death certificate for a death claim. Documents to prove admission to the hospital and discharge from the hospital. For a missing person, a Missing Report shall be required from the law enforcer. The medical documents to support Permanent Disablement claims.
14. What options are offered?
It covers a total sum insured of Nu 430,000.