Compensation will be paid through insurance for houses damaged by 9 types of calamities including earthquake, fire, flood and inundation, and windstorm.
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Karnali state government is going to start 'Ghar Bima' program. The Provincial Council of Ministers meeting held last Tuesday has approved the Home Insurance Program Procedure-2081.
For the program, the government is going to pay the amount of the insurance fee that will be calculated from the risk assessment of a maximum of 2 million rupees per household. This year, the state government has allocated 40 crores and 75 lakh rupees for the program. According to the procedure, compensation will be paid through insurance for houses damaged by 9 types of disasters including earthquake, fire, flood and inundation, and windstorm.
Karnali Economic Affairs and Planning Minister Rajeev Vikram Shah said that the state government will pay the insurance fee of one house for one family.
"This province is also a high-risk area from the point of view of disaster. Last year's earthquake has also taught us a lesson," he said, "The insurance program has been introduced to guarantee the financial security of the damage and loss caused by natural disasters and other natural calamities of the citizens of Karnali." The insurance process will start after the municipality sends the details of the houses chosen by the municipality to the ministry. The ministry said that for the implementation of the
insurance program, a 5-member steering committee will be formed under the coordination of the secretary of the ministry at the provincial level and a 6-member local monitoring committee will be formed at the local level under the chairmanship of the city chief or village council president.
The spokesperson of the Ministry of Internal Affairs and Law, Uttam Gautam, said that this program is not applicable to houses made of wood and stone-clay. According to him, Bimak must meet the necessary risk assessment conditions before insuring the house, and to participate in the program, he must register his house in the local records. He informed that if any business is conducted in the insured house, the insurance should be done by himself.
"This program will not apply to houses that are designated as unfit for housing according to the prevailing law," he said, "If the insurance amount is worth more than 2 million or if more than one house needs to be insured, the owner of the house will have to provide the amount for the additional insurance fee to the relevant insurance company." He informed that the
directory arranges for insurance-related publicity, awareness, mobilization of disaster facilitators, data collection, etc. to be done at the local level.
