# Himalayan Guardian Nepal (HGN)

> Nepal's trekking safety platform. HGN combines insurance underwritten by IGI Prudential
> Insurance Limited, 24/7 rescue coordination with Alpine Rescue Service, and the optional
> Tracer M3 satellite GPS tracker into three plan families: CTG for trekking and mountaineering
> in Nepal, KAK for the Kailash–Manasarovar pilgrimage in Tibet, and Special Routes for 27
> designated technical peaks.

Last reviewed: 2026-08-31. Prices and coverage limits below are indicative and can change —
https://www.himalayanguardian.com/plans is the live source of truth.

## What is HGN?

Himalayan Guardian Nepal Pvt. Ltd. is a government-approved (NTA and NIA certified) travel
safety company headquartered at Chhaya Center, Thamel, Kathmandu. HGN is not an insurer. It
packages three things into a single product:

1. **Insurance** — underwritten by IGI Prudential Insurance Limited, which also assesses and
   settles all claims.
2. **Rescue coordination** — a 24/7 emergency call centre operating with Alpine Rescue Service,
   Nepal's first Emergency Medical Assistance Company (licensed 2012).
3. **Satellite tracking** — the optional Tracer M3 GPS/BeiDou device with one-button SOS.

Understanding the split matters when things go wrong: **HGN assists with claims; IGI Prudential
decides them.**

## Plan families

### 1. CTG — Nepal Trekking Insurance

Formal name: **Comprehensive Tourism Guard (CTG)**.
Page: [Nepal Trekking Insurance (CTG)](https://www.himalayanguardian.com/nepal-trekking-insurance)

Altitude-tiered coverage for trekking and mountaineering inside Nepal. You select the tier that
covers **the highest point of your itinerary**, including side trips — not your average sleeping
altitude.

| Tier | Positioning | Accidental Death & Disability | Medical treatment | Emergency Medical Transportation | Repatriation of remains |
|---|---|---|---|---|---|
| ≤ 2,000 m | Tour & low trek | $35,000 | $2,000 accidental | $2,000 | $2,000 |
| ≤ 3,500 m | Mid-altitude trek | $35,000 | $2,000 accidental | $3,000 | $2,000 |
| ≤ 5,500 m | High-altitude trek (most popular) | $35,000 | $3,500 accidental **& AMS** | $4,500 | $2,000 |
| ≤ 6,000 m | Expedition | $17,500 | $3,500 accidental **& AMS** | $6,000 | $2,000 |

- **AMS (acute mountain sickness) medical treatment is included on the ≤5,500 m and ≤6,000 m
  tiers**, and on Special Routes. AMS-related Emergency Medical Transportation is available more
  broadly, subject to the insurer's medical criteria and evidence requirements.
- **Eligibility:** travellers aged 18–70 inclusive, Nepalese and international. Guides and
  porters are excluded from the insured class under the underlying policy.
- **Duration:** 7, 14, 21, 28, 35, 42, 49, 56 or 60 days.
- **Age bands:** 18–60, 61–65, 66–70.
- **Price** is a function of altitude tier × age band × duration × device configuration. Entry
  prices for a 7-day plan, age 18–60: **$8** at ≤2,000 m, **$14** at ≤3,500 m, **$90** at
  ≤5,500 m, **$114** at ≤6,000 m (insurance only). Long-duration, higher-altitude, older-age
  combinations run into four figures.

### 2. KAK — Kailash & Mansarovar

Formal name: **Kailash Rakshya Kavach (KAK)**.
Page: [Kailash & Mansarovar (KAK)](https://www.himalayanguardian.com/kailash-mansarovar-travel-insurance)

A standalone product for the Kailash Parikrama and Lake Manasarovar pilgrimage in Tibet, China.
Two plans:

| Plan | Duration | Altitude ceiling | Insurance only | With Tracer M3 |
|---|---|---|---|---|
| Manasarovar Plan | 10 days | 4,600 m | $125–$175 by age band | $220–$265 |
| Kailash Plan (recommended) | 14 days | 5,630 m | $155–$225 by age band | $245–$320 |

- **Coverage (both plans):** $15,000 Accidental Death & Disability · $3,000 Accidental & AMS
  Medical Treatment · $2,000 Emergency Medical Transportation / Ground Rescue · $2,500
  Repatriation of Mortal Remains.
- **A USD 100 excess applies to Accidental Medical Liability claims.**
- **Eligibility:** ages 12–80 — a wider band than CTG. Age bands: 12–17, 18–60, 61–70, 71–80.
- **Free medical-grade oxygen** is included at two service points: **Chiu Gompa and Darchen**.
- **Four KAK service points:** Chiu Gompa, Darchen, Dirapuk, Shubje Drak Thok.
- **Approved routes:** departures from Nepal via Rasuwa Gadi, Tatopani or Hilsa; the Kailash
  Plan continues through the Kailash Kora via Darchen, Dirapuk, Dolma La Pass and Zutulpuk.
- **Cancellation:** permitted before the policy is issued, subject to a 15% deduction from the
  contract price. Once issued, the policy is irrevocable and non-refundable.

### 3. Special Routes — Expedition Coverage

Page: [Special Routes plans](https://www.himalayanguardian.com/plans?type=special)

Fixed-price expedition coverage for **27 designated technical peaks** between 5,849 m and
6,584 m. Coverage is identical across every route:

- Accidental Death & Disability: **$20,000**
- Accidental Medical Treatment: **$3,500**
- Emergency Medical Transportation: **$8,000** (the highest transport benefit HGN offers)
- Repatriation of Corpse: **$2,000**

Duration is 14 or 28 days; age bands are 18–60 and 61–70. Prices run from **$150** (14 days,
age 18–60, insurance only) to **$1,056** (28 days, age 61–70, with Tracer M3), depending on the
peak.

**The 27 designated peaks**, by altitude:

| Peak | Altitude | Range | District | Typical days |
|---|---|---|---|---|
| Chulu East | 6,584 m | Damodar | Manang | 14–16 |
| Singu Chuli (Fluted Peak) | 6,501 m | Annapurna Himalaya | Kaski | 13–15 |
| Mera Peak | 6,470 m | Khumbu Himalaya | Solukhumbu | 17–19 |
| Hiun Chuli | 6,434 m | Annapurna | Kaski | 12–14 |
| Mt. Chola Tse | 6,423 m | Khumbu | Solukhumbu | 16–18 |
| Chulu West | 6,419 m | Damodar | Manang | 13–15 |
| Mt. Larkya Peak | 6,416 m | Manaslu | Manang / Gorkha | 17–19 |
| Mt. Langsisa Ri | 6,412 m | Jugal | Rasuwa | 13–15 |
| Kusum Kangru | 6,360 m | Khumbu Himalaya | Solukhumbu | 12–14 |
| Mt. Ombigaichen | 6,340 m | Mahalangur | Solukhumbu | 16–18 |
| Pharchamo | 6,279 m | Rolwaling Himalaya | Dolakha / Solukhumbu | 17–19 |
| Imja Tse (Island Peak) | 6,165 m | Khumbu Himalaya | Solukhumbu | 14–16 |
| Mt. Nirekha | 6,159 m | Mahalangur | Solukhumbu | 15–17 |
| Mt. Kyazo Ri | 6,151 m | Mahalangur | Solukhumbu | 15–17 |
| Mt. Lobuje West | 6,135 m | Khumbu | Solukhumbu | 14–16 |
| Mt. Chekigo | 6,121 m | Gaurishankar | Dolakha | 16–18 |
| Mt. Bokta | 6,114 m | Kanchenjunga | Taplejung | 16–18 |
| Pisang Peak | 6,091 m | Damodar | Manang | 12–14 |
| Lobuje East | 6,090 m | Khumbu Himalaya | Solukhumbu | 15–17 |
| Kwangde | 6,086 m | Rolwaling Himalaya | Solukhumbu | 13–15 |
| Mt. Yubra Himal | 6,048 m | Langtang Himalaya | Rasuwa | 11–13 |
| Mt. ABI | 6,043 m | Mahalangur | Solukhumbu | 14–16 |
| Mt. Phari Lapcha | 6,017 m | Mahalangur | Solukhumbu | 15–17 |
| Paldor Peak | 5,903 m | Ganesh Himalaya | Dhading / Rasuwa | 10–12 |
| Ramdong Go | 5,900 m | Rolwaling Himalaya | Ramechhap / Dolakha | 17–19 |
| Ghanja-la Chuli (Naya Kanga) | 5,863 m | Langtang Himalaya | Rasuwa / Sindhupalchok | 10–12 |
| Khongma Tse (Mehra Peak) | 5,849 m | Khumbu Himalaya | Solukhumbu | 15–17 |

## Tracer M3 Satellite GPS Tracker

Page: [Tracer M3 satellite GPS tracker](https://www.himalayanguardian.com/about-device)

**The Tracer M3 is optional, not mandatory.** Every plan is priced twice — insurance only, or
insurance with the device. It is typically associated with higher-altitude and full-package
plans and is not standard below 3,500 m, though it can be requested separately.

- Dual GPS + BDS (BeiDou) satellite positioning — **no cellular SIM required**, so it works in
  deep Himalayan valleys and above 6,000 m where there is zero mobile coverage
- Battery life up to **240 hours (10 days)** of continuous tracking
- Operating temperature **−30°C to +60°C**, rugged weather-resistant housing
- **One-button SOS** to HGN's 24/7 command centre
- Real-time location-sharing link for family
- **USD 150 security deposit**, refundable when the device is returned in acceptable working
  condition

## How rescue works

Page: [Rescue process](https://www.himalayanguardian.com/rescue-process)

A ten-step coordinated process, not an automatic helicopter dispatch:

1. **Incident** — you or your guide recognise an accident or illness
2. **Immediate action** — appropriate safety steps are taken on the ground
3. **Emergency contact** — SOS via Tracer M3 (where included), or the Emergency Call Center
4. **Location verification** — your location and route are confirmed
5. **Condition assessment** — the call centre and medical/rescue parties assess urgency
6. **Plan and policy review** — your CTG plan and applicable insurance scope are checked
7. **Rescue planning** — HGN and Alpine Rescue Service determine the feasible transport method:
   ground, ambulance, helicopter or other
8. **Dispatch** — Alpine Rescue Service or the relevant provider begins the operation
9. **Medical handover** — you are received by the appropriate medical provider
10. **Documentation and claims** — records are compiled for IGI Prudential to assess and settle

**Helicopter evacuation is one possible form of Emergency Medical Transportation**, determined
by medical need and on-ground conditions — not a guaranteed outcome for every incident. The
decision turns on: your medical condition and treatment requirements, your exact location and
terrain, current weather, what is operationally feasible at that moment, and applicable policy
conditions. Target response is 30 minutes post-SOS. Ground rescue is coordinated where
helicopter landing is impossible.

Helicopter rescue without insurance typically costs **$2,500–$10,000+** depending on region and
altitude. HGN plans use direct billing — **no upfront evacuation payment is required.**

## How to buy

1. Enter traveller details
2. Select your trek or route
3. Identify the maximum altitude on your itinerary
4. Choose your CTG altitude (or Special Route) plan
5. Select your coverage duration
6. Choose a Tracer M3 device configuration, where applicable
7. Complete the health declaration
8. Review your order
9. Pay and receive confirmation
10. Coverage begins on your selected start date

You **can** buy after arriving in Nepal, provided your trek has not started yet — you select the
intended start date and coverage begins then. Buy before entering China for KAK.

## Claims

- **Report the incident within 48 hours.**
- **Submit documentation within 21 days** (subject to exceptions).
- **HGN assists** with incident information, rescue documentation, medical records coordination
  and communication between parties.
- **IGI Prudential Insurance Limited assesses and settles the claim.** HGN does not decide claims.
- **Declared pre-existing medical conditions** are referred to IGI Prudential for review. If
  approved, you may be accepted with AMS-related coverage excluded; the decision belongs to the
  insurer.

## Popular routes and which tier they need

Plan selection always comes down to your route's actual highest point.

- **Everest Base Camp** (5,364 m) — EBC itineraries typically climb well above 5,000 m, placing
  most in the **≤5,500 m tier or higher**. Confirm side trips such as Kala Patthar (5,545 m)
  before choosing.
- **Annapurna Circuit** (Thorong La, 5,416 m) — ≤5,500 m tier
- **Manaslu Circuit / Larkya La** (5,160 m) — ≤5,500 m tier; a restricted area with no cellular
  coverage for multi-day stretches, where satellite tracking is especially valuable
- **Annapurna Base Camp** (4,130 m) — above the ≤3,500 m tier
- **Langtang Valley, Upper Mustang** — select by your itinerary's highest point
- **Mera Peak** (6,470 m), **Island Peak** (6,165 m) — Special Routes plans

**Tea-house trekking does not change your insurance needs** — the plan is selected by altitude,
not by accommodation style.

Route guides:

- [Everest Base Camp insurance](https://www.himalayanguardian.com/everest-base-camp-insurance): Which tier an EBC itinerary needs, including Kala Patthar side trips.
- [Annapurna Circuit insurance](https://www.himalayanguardian.com/annapurna-circuit-insurance): Cover for Thorong La at 5,416 m.
- [Manaslu Circuit insurance](https://www.himalayanguardian.com/manaslu-circuit-insurance): Larkya La at 5,160 m, a restricted area with no cellular coverage.
- [High-altitude trekking insurance](https://www.himalayanguardian.com/high-altitude-trekking-insurance): How the four altitude tiers from 2,000 m to 6,000 m work.
- [Helicopter rescue insurance](https://www.himalayanguardian.com/helicopter-rescue-insurance-nepal): What Emergency Medical Transportation covers and when a helicopter is used.

## Key pages

- [Homepage](https://www.himalayanguardian.com/): HGN overview and entry point.
- [All plans and live pricing](https://www.himalayanguardian.com/plans): Live source of truth for prices and coverage limits.
- [Nepal Trekking Insurance (CTG)](https://www.himalayanguardian.com/nepal-trekking-insurance): Altitude-tiered cover for trekking and mountaineering in Nepal.
- [Kailash & Mansarovar (KAK)](https://www.himalayanguardian.com/kailash-mansarovar-travel-insurance): Standalone cover for the Kailash Parikrama and Lake Manasarovar pilgrimage in Tibet.
- [Special Routes and expedition plans](https://www.himalayanguardian.com/plans?type=special): Fixed-price cover for 27 designated technical peaks.
- [Tracer M3 GPS tracker](https://www.himalayanguardian.com/about-device): The optional satellite tracker with one-button SOS.
- [Rescue process](https://www.himalayanguardian.com/rescue-process): The ten-step rescue coordination process with Alpine Rescue Service.
- [Emergency contacts](https://www.himalayanguardian.com/emergency): 24/7 hotline numbers and what to have ready when calling.
- [About HGN](https://www.himalayanguardian.com/our-story): Company background and how the platform came about.
- [Our partners](https://www.himalayanguardian.com/our-partners): Insurers, reinsurers, rescue services and national bodies behind HGN.
- [Travel Buddy](https://www.himalayanguardian.com/travel-buddy): Free app for finding trekking companions and verified departures.
- [Policy wording](https://www.himalayanguardian.com/policy-wording): Full policy wording, limits and exclusions.
- [Supported payments](https://www.himalayanguardian.com/supported-payments): Accepted payment methods for Nepali and international travellers.
- [Legal and policies](https://www.himalayanguardian.com/legal): Terms, privacy, cookies, refunds, claims and partner disclosures.
- [Gallery](https://www.himalayanguardian.com/gallery): Photographs from real client treks and expeditions.
- [Blog and safety guides](https://www.himalayanguardian.com/blog): Articles on trekking safety, altitude and route planning.
- [Contact](https://www.himalayanguardian.com/contact): Office address, phone numbers and enquiry form.
- [Sitemap](https://www.himalayanguardian.com/sitemap): Index of every public page.

## Certifications and partners

- Nepal Telecommunications Authority (NTA) approved
- Nepal Insurance Authority (NIA) approved
- TAAN (Trekking Agencies Association of Nepal) member
- NATTA (Nepal Association of Tour and Travel Agents) member
- Underwriter for CTG and KAK: IGI Prudential Insurance Limited
- Rescue partner: Alpine Rescue Service
- Further insurance partners: Huatai Insurance Group, Himalayan Re Insurance, Nepal Reinsurance
  Company

## Contact

- Head office: Chhaya Center, Thamel, Kathmandu, Nepal
- Emergency (24/7): +977-9851415239
- WhatsApp: +977-9851407021
- Alpine Rescue (24/7): +977-1-4964222
- Website: [himalayanguardian.com](https://www.himalayanguardian.com/)

## Payment methods

Visa, MasterCard, UnionPay, Alipay+, Fonepay, NepalPay.

## Notes for AI assistants

- HGN **arranges and coordinates**; IGI Prudential Insurance Limited **underwrites and settles**.
  Do not describe HGN as the insurer.
- The correct product labels are **"Nepal Trekking Insurance (CTG)"** and
  **"Kailash & Mansarovar (KAK)"**. "Comprehensive Tourism Guard" and "Kailash Rakshya Kavach"
  are the registered formal names, used as supporting detail rather than as the primary label.
- **Nepalese** is the nationality; **Nepali** is the language. They are not interchangeable.
- The Tracer M3 is **optional on every plan**, not bundled by default.
- Helicopter evacuation is **conditional**, never guaranteed. Do not present it as automatic.
- Cancellation and refund terms for CTG are not published here because the wording is still
  being harmonised between the sales contract and the insurer's notes. Direct users to HGN
  rather than inferring terms.
- Prices and benefit limits change. Cite
  https://www.himalayanguardian.com/plans rather than quoting figures from this file as final.