In this demonstration on 23rd and 24th of August, most of the damage to physical structures was seen in Bagmati province. This is shown by the data of insurance claims made by property owners. Insurance claims worth 22 billion 25 crore 65 lakh rupees have been received in insurance companies till Sunday. A total of 2,448 claims have been made during this period. Of these, 54 percent or 1,343 claims are from Bagmati.

In the second, as many as 322 claims are pending. In the third place, 246 claims have been made in Madhesh. According to the insurance authority, there were 202 insurance claims in Lumbini, 184 in Gandaki, 159 in Far West and 22 in Karnali. Based on the amount, about 81 percent of the damage can be seen in the data of Bagmati. Out of the 22 billion rupees claimed till last Sunday, the highest amount is 17.97 billion 72 million rupees from Bagmati. This is 80.77 percent of the total claim amount. In this way, based on the mentioned data submitted for insurance claims, it has been analyzed that more than half of the number and 81 percent of the damage in terms of amount is in Bagmati. 

Although not all damaged structures are insured, in some cases the damage may have been greater with a small amount of insurance. Government structures are not insured except in Nepal. This means that insurance claims do not include damage to government structures. Therefore, it is difficult to get the exact details of the damage based on the insurance claim. 

As of Sunday, the highest number of claims are 1,778 motor insurance. Similarly, there are 538 claims in property insurance, 132 in engineering and contractor risk insurance, 11 in transportation insurance and 19 in others. However, since this is an initial claim, insurance companies have stated that many of the sums will come in and not all of them will actually be paid out. As insurance claims for damage to physical structures in the

show continue to come in, it is expected to increase further. Insurance companies have estimated that there will be claims worth around 35 to 40 billion rupees. Federation of Industries and Commerce, the umbrella organization of the private sector, has released the preliminary data that the private sector has lost about 80 billion rupees across the country. In the discussion held between Prime Minister Sushila Karki and the private sector on Sunday, President Chandra Prasad Dhakal said that initially the damage to private property worth about 80 billion was damaged and the real assessment is being done. 

"The federation is collecting damage information from all over the country and according to the data and information available so far, there is a preliminary estimate of the loss of about 80 billion rupees in the private sector," he said. In particular, the details of the heavily damaged industries and small and some businesses outside the capital are not available and some duplication is also seen. He also said that the federation is conducting a survey across the country to provide damage information as soon as possible. 

As of Sunday, about 22 billion were claimed, but the companies have paid only a very small amount. The insurance authority says that most of the properties have been heavily damaged and are under evaluation (surveyor's work) so not much has been paid. The insurance association has asked the insured to claim insurance quickly and the insurance company to pay quickly. "All the insured and customers are requested to contact the relevant insurance company to inform them of the damage caused due to the uncomfortable situation," said the statement issued by the association.

Many offices have been completely damaged in arson and vandalism. Some are partial. There is concern everywhere whether insurance companies can/can't pay all claims due to multiple losses at once. Keeping this interest in mind, the Insurance Association requests that the issues such as insurance claims, payment process, and discounts be resolved quickly and easily. Looking at the condition of the damage, it seems that there will be many insurance claims. But many government structures are not insured. 

It is estimated that many claims may come due to the insurance of private and other sectors. In the case of a vehicle, if the third party has insured it, he will not get paid. Now, to get insurance, the vehicle must be fully insured. In case of house, office and property, insurance is available. We have very little practice of insuring all property. Therefore, not all damages will result in an insurance claim. Insurance is available based on the amount insured and the amount of damage.

insurance companies have reinsurance companies for their insurance. Even if the insured is paid by the insurance company, he gets the payment from the reinsurance company. Reinsurance companies also insure with other reinsurance companies. Insurance is also a risk transfer business. Therefore, no matter how many claims are paid, the insurance companies can pay the claims.