Mardi Himal and Khopra Danda Trek, 12 Days from Pokhara

From US$124512 DaysUpdated Oct 10, 2026

At a glance: cost

A fully guided Mardi Himal and Khopra Danda Trek, 12 Days from Pokhara with The Everest Holiday costs $1,245 (Budget), $2,015 (Standard), or $3,810 (Premium) per person for the 12-Days trip. Budget about $20/day for personal expenses; travel insurance is arranged separately.

Mardi Himal and Khopra Danda Trek, 12 Days from Pokhara price by tier
TierPrice (per person)
Budget$1,245
Standard$2,015
Premium$3,810

Book with a 10% deposit; balance payable in Kathmandu. Full inclusions and group-discount tiers are below.

Quick Overview
Duration12 Days
Trip GradeModerate
CountryNepal
Maximum Altitude4,660 m / 15,289 ft (Khayer Lake); Mardi Himal Base Camp 4,500 m
Group Size1-20
StartsPokhara
EndsPokhara
ActivitiesTwo ridge treks with a holy lake and Poon Hill sunrise
Best TimeMid Oct to mid Nov, Mar to Apr

Mardi Himal and Khopra Danda Trek, 12 Days from Pokhara is a 12-day trek over two Annapurna ridges for fit walkers who want two quiet Annapurna ridges and cannot choose between them. It reaches 4,660 m (Khayer Lake) and is graded Moderate: a steep first leg to 4,500 m, a night in Pokhara, then a second climb to 4,660 m and a very long final descent. It costs from USD 1,245 per person (Budget, couple). The price per person is the same for a private trip and a group of the same size, and it falls as the group grows.

Mardi Himal and Khopra Danda at a glance

Duration12 days from Pokhara to Pokhara (5 days on Mardi Himal, a night in Pokhara, 7 days on Khopra Danda and Poon Hill)
Maximum altitude4,660 m / 15,289 ft (Khayer Lake). Mardi Himal Base Camp 4,500 m. You sleep no higher than 3,660 m
GradeModerate. Nine trek days of 4 to 8 hours, several with big height gains. No technical skill needed
Best monthsMid October to mid November, then March and April
Group size1 to 20, always private
Starts and endsPokhara. Kathmandu to Pokhara is not included (road or a 25 minute flight, we book it at cost)
PermitsAnnapurna Conservation Area and TIMS for both legs. Included
Hotels1 night in Pokhara between the legs is included. The night after the trek is not
Start datesYou choose. See the windows for 2027 below
From priceUSD 1,245 per person, Budget, couple. Standard USD 2,015, Luxury USD 3,810

Why I built it this way

Mardi Himal and Khopra Danda are the two Annapurna treks I recommend to people who want big mountains and few trekkers. Mardi Himal is a forested ridge to a base camp at 4,500 m, with Machhapuchhre ahead. Khopra Danda is a high grass ridge at 3,660 m looking straight at Dhaulagiri, with a holy lake above it at 4,660 m. Both start from Pokhara, and most people choose one. This trip does both, with a night in Pokhara between them to rest and wash.

The two legs are the same routes we sell separately, so you can compare them: read Mardi Himal Trek: The Complete Guide to Itinerary, Cost, Permits and Difficulty and Khopra Danda: The Quiet Ridge Above Ghorepani, and Khayer Lake, then ABC vs Mardi Himal: Which Annapurna Trek Is Right for You?. Mardi comes first because it is shorter. The Khopra leg is quieter and higher at the end, with community-run lodges that keep the money in the villages you walk through, and they are simple by design.

It is a long trip for the Annapurna foothills, and it is not easy. Several days gain a lot of height, and the descents are hard on the knees. If you only have a week, choose one leg. Trekking poles help on both.

Hotel nights in Kathmandu are not included, so you choose your own. One Pokhara night is included, between the two legs, and the night after the trek is not. Every booking helps pay the teacher's salary at our Nagarjun Learning Center in Saldum. The Everest Holiday is a family company founded in 2016, from three generations of guiding in the Himalayas.

Best time to go, month by month

Temperatures and rain are 1991 to 2020 averages for Pokhara, and the notes on the ridges come from our guides, as set out in our Mardi Himal month-by-month guide. They are not forecasts. There is no weather station on either ridge.

MonthWhat it is likeMy verdict
JanuaryClear and very cold. Pokhara 19.9 C by day and 7.1 C at night, 21.6 mm of rain. Snow is possible on both ridges, and Khopra is exposed with nights well below freezing.Only with care, tell me your dates
FebruaryClear and cold, snow can linger on the ridges. Pokhara 22.7 / 9.7 C, 35.1 mm.Only with care, tell me your dates
MarchSpring begins. Rhododendron starts on the lower ridge, mornings are clear. Pokhara 27.1 / 13.1 C, 63.7 mm.Good
AprilWarm, flowers on the ridges, more afternoon cloud, busier. Pokhara 30.0 / 16.1 C, 141.7 mm.Good
MayHot low down, cloud and storms build, views are a morning gamble. Pokhara 354.7 mm and 18.3 rain days.Early May only
JuneMonsoon: cloud, rain, leeches and slippery trails. Pokhara 648.2 mm.No
JulyMonsoon, the wettest month: 941 mm at Pokhara, 25.6 rain days.No
AugustMonsoon. Views are mostly lost: 839.4 mm at Pokhara. Pilgrims climb to Khayer Lake around Janai Purnima.No
SeptemberThe rains are easing but the trails are still wet and leechy: 635 mm at Pokhara.No
OctoberDrying out and clearer each week: 159.2 mm at Pokhara. Busy around Dashain.Best, from mid month
NovemberThe best month for clear skies: 17.2 mm at Pokhara. Cold nights at High Camp and Khopra.Best
DecemberClear and cold, first snow possible on the upper ridges: 11.5 mm at Pokhara.Good, if you pack warm

Mid October to mid November is the best window, and March and April the second. Both ridges are cold at night. Khopra is more exposed than Mardi, with little shelter from weather. One price applies all year.

Starting dates for 2027

You choose your start date, because every trip is private. These are the windows I would pick for 2027. Festival dates for 2027 are the expected ones from public calendars, and the government confirms them each year.

Window in 2027What to expectMy advice
March 2027 (Holi expected 22 to 23 March)Clear mornings and cold nights on both ridges. Rhododendron starts low down.Good
April 2027 (Nepali New Year 14 April)Warmer days and flowers on the ridges, with more cloud in the afternoon.Good
Early October 2027 (Dashain expected 6 to 10 October, not yet announced)Drying out. Dashain fills the buses and closes some lodges. Khopra lodges are community-run, so ask us what is open.Avoid the Dashain days
Mid October to mid November 2027 (Tihar expected 29 to 31 October)The best weeks: dry, clear and cold at the top. The busiest weeks on Mardi, much quieter on Khopra.Best
December 2027 to February 2028Clear, dry and very cold on the ridges, with snow possible. Tell me your dates and I will say what our guides know.Only with care

Because Khopra lodges are community-run, tell me your dates early and I will check what is open. Tell me your dates and I will tell you what I know for that week.

Permits and costs

We apply for every permit and pay for all of them. You send us your passport details early.

Permit or feeCostNotes
Annapurna Conservation Area permitNPR 3,000Included, paid for each leg
TIMS cardNPR 2,000 (NPR 1,000 SAARC)Included, we issue it through our agency

The price per person falls as the group grows, and a child pays the same as an adult. Private or group, the price per person is the same. Here is the full table. These prices hold for 2027.

Group sizeBudgetStandardLuxury
1 guest (solo)USD 2,245USD 2,945USD 6,455
2 to 4 guestsUSD 1,245USD 2,015USD 3,810
5 to 8 guestsUSD 845USD 1,655USD 3,410
9 to 12 guestsUSD 735USD 1,530USD 3,300
13 to 20 guestsUSD 730USD 1,515USD 3,295

Not included: international flights, your Nepal visa (USD 30 for 15 days or USD 50 for 30 days, paid in cash on arrival), Kathmandu hotel nights, travel insurance, tips, personal spending and any extra porter (USD 25 per day plus 13% VAT and the 3.5% bank charge). You pay a 10% deposit to book and the balance in Kathmandu. We take US dollars or euros, in cash or by card, and card payments carry a 3.5% bank charge.

Getting there and getting back

The trip starts and ends in Pokhara. From Kathmandu you can take the tourist bus (seven to eight hours) or a 25 minute flight, and we can book either for you at cost. On day 1 a short drive takes us to Kande and we walk. On day 6 a jeep takes us to Ghandruk. On day 12 your vehicle meets you at Nayapul and drives you to Pokhara. The Pokhara to Baglung road lost about 150 m at Sahasradhara on 27 September 2026, and repairs began on 29 September (position as at 7 October 2026). Our Pokhara trailheads are on that road. We check 48 hours before departure, and if the road is not open we move your dates free of charge.

Visa on arrival is USD 30 for 15 days or USD 50 for 30 days, and your passport must be valid for at least six months. Read Dhampus and Kande: The Two Roadside Starts for Mardi Himal and Australian Camp and Siding: The Mardi Himal Exit Village and Why We End the Trek There for the trailheads. Pokhara flights can be delayed by cloud, so keep a spare day before your international flight.

Safety and altitude

You sleep at 3,580 m at High Camp on Mardi and 3,660 m at Khopra, and you walk to 4,500 m and 4,660 m. Our own guideline is not to raise your sleeping height by more than 300 to 500 m a day above 3,000 m. Two days go beyond it: Forest Camp to High Camp (1,060 m) and Tadapani to Dobato (790 m). That is why those days are taken slowly, and why the night in Pokhara between the legs is a real reset. Drink plenty of water and tell your guide at once about a headache or nausea. Your guide checks everyone's oxygen level every evening with a pulse oximeter. If a reading is low or symptoms appear, we do not go higher, and if they worsen we go down.

The Mardi ridge is narrow in places, and the Khayer Lake day is the hardest on the trip, 7 to 8 hours at height with weather that turns quickly. The descents to Siding and Swanta, and the long stone steps down from Ulleri, are hard on the knees. Trekking poles help. Buy travel insurance at home that covers trekking to 5,000 m and helicopter evacuation.

What to pack

  • Broken-in walking boots (not trainers) and sandals for the lodge
  • A down jacket or warm fleece for High Camp and Khopra, thermal layers and a waterproof jacket
  • A warm sleeping bag rated to about -10 C, or ask us to lend one
  • A warm hat, gloves, sunglasses and SPF 50 sun cream
  • A head torch for the pre-dawn starts
  • A day pack of about 25 litres. Your duffel goes with the porter
  • Trekking poles for the long descents
  • Plasters, blister care and any personal medicines
  • Cash in rupees for the community lodges, small notes
  • Our full list is in Nepal Trekking Packing List: What to Bring, What to Skip, What to Buy in Kathmandu

Budget, Standard or Luxury

All three tiers walk the same route on the same days. What changes is how you sleep, what you eat and who carries your bag. The Khopra community lodges are simple on every tier.

BudgetStandardLuxury
RoomsShared rooms in simple teahousesPrivate twin rooms, attached bathroom where the lodge has onePrivate deluxe rooms, ensuite where the lodge has one
PorterNone. You carry your own pack. An extra porter is USD 25 per day plus 13% VAT and the 3.5% bank chargeOne porter for every two trekkers, 20 kg each in total. A solo guest has no porter: the guide carries up to 10 kgOne dedicated porter for every trekker
Pokhara hotelSimple hotel, twin share3-star hotel, private roomDeluxe hotel, ensuite
MealsNot included on the trekBreakfast, lunch and dinner every day, tea or coffee and seasonal fruit once a dayAll meals, fruit and nuts, tea, coffee, soft drinks, juice and water whenever you want
Vehicle and jeepPrivate car or van and shared jeep sized to your groupPrivate car or van and jeep sized to your groupA more spacious private vehicle
GuideLicensed guide, one per group (a second from 13 guests)Licensed guide, one per group (a second from 13 guests)Licensed guide, one per group (a second from 13 guests)

Read before you book

The Everest Holiday is a family company founded in 2016, from three generations of guiding in the Himalayas.

Why Book This Trek With The Everest Holiday

Three Generations of Family Guides

Family-run since 2016 with three generations of guiding heritage. Not an agency — the family that runs the company leads your trek personally.

Private Group — No Strangers

Every trek we run is private. Your group only. We never combine bookings or add strangers to your party. If you book solo, you walk with a guide; if you book as four friends, your group stays four.

Nagarjun Learning Center Giveback

A fixed share of every booking funds the Nagarjun Learning Center — 70 children, 7 community centres, 3 full-time teachers, 600+ medical interventions, 275+ women supported. You see the impact at the centre on day 1.

Government Registered, TAAN Member

Govt Regd. No. 147653/072/073. Trekking Agency Licence 2090/072, Travel Agency Licence 2838/072. TAAN Member #1586. Over 300 reviews on TripAdvisor, Google and Trustpilot. We are a real, audited Nepal company — not a booking-platform middleman.

Itinerary

Day 01: Drive to Kande and trek to Forest Camp
Max Altitude: Forest Camp 2,520 m / 8,268 ft
Day 02: Forest Camp to High Camp
Max Altitude: High Camp 3,580 m / 11,745 ft
Day 03: Mardi Himal Base Camp and back to High Camp
Max Altitude: Mardi Himal Base Camp 4,500 m / 14,764 ft; night at High Camp 3,580 m / 11,745 ft
Day 04: High Camp to Siding
Max Altitude: Siding 1,885 m / 6,184 ft
Day 05: Drive from Siding to Pokhara
Max Altitude: Pokhara 820 m / 2,690 ft
Day 06: Jeep to Ghandruk and trek to Tadapani
Max Altitude: Ghandruk 1,940 m; Tadapani 2,630 m / 8,629 ft
Day 07: Tadapani to Dobato
Max Altitude: Dobato 3,420 m / 11,220 ft
Day 08: Dobato to Khopra Danda
Max Altitude: Khopra Danda 3,660 m / 12,008 ft
Day 09: Day walk to Khayer Lake and back to Khopra
Max Altitude: Khayer Lake 4,660 m / 15,289 ft; night at Khopra 3,660 m / 12,008 ft
Day 10: Khopra Danda to Swanta
Max Altitude: Swanta 2,214 m / 7,264 ft
Day 11: Swanta to Ghorepani
Max Altitude: Ghorepani 2,860 m / 9,383 ft
Day 12: Poon Hill sunrise, trek to Nayapul and drive to Pokhara
Max Altitude: Poon Hill 3,210 m / 10,531 ft; Pokhara 820 m / 2,690 ft
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Pricing & What's Included

Book your own private small group trip
No. of travellers
Price per person
1 pax
US$2245
2 - 4 pax
US$1245
5 - 8 pax
US$845
9 - 12 pax
US$735
13 - 20 pax
US$730

Discounts are determined exclusively by the size of your group. We do not add additional members to your group.

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Secure Payment by Himalayan Bank.
Cost Includes

Accommodation and food

  • Shared rooms in simple teahouses on the trek
  • 1 night in a simple, clean Pokhara hotel, twin share (a single room if you travel alone)
  • Meals on the trek are not included: you order and pay at the teahouses

Guide and porter

  • Licensed guide, English-speaking, for all twelve days. A second guide joins groups of 13 or more. We confirm names after booking
  • No porter on the Budget tier: you carry your own pack. An extra porter can be added

Road

  • Private vehicle from Pokhara to Kande and back from Siding to Pokhara, sized to your group
  • Jeep from Pokhara to Ghandruk and private vehicle from Nayapul to Pokhara

Permits and fees

  • Annapurna Conservation Area permit and TIMS card
  • All government taxes and our service charge

Medical and safety

  • First aid kit and pulse oximeter, checked daily
  • We arrange rescue if needed, paid from your travel insurance

Complimentary

  • Company T-shirt and cap
  • Bottled water in the vehicle
  • Farewell meal and certificate of completion
Cost Excludes

Not included

  • Meals and drinks on the trek, and lunch and dinner at the hotels
  • International flights
  • Nepal visa: USD 30 for 15 days or USD 50 for 30 days, paid in cash on arrival
  • Kathmandu hotel nights before and after the trip (we can book them: see the add-ons)
  • Travel insurance. Buy it at home and check that it covers trekking to 5,000 m and helicopter evacuation
  • Tips for the guide, driver and porters
  • Personal spending, hot showers, laundry and charging
  • Any extra porter, USD 25 per day plus 13% VAT and the 3.5% bank charge
  • Extra costs from delays outside our control: flights, weather, landslides, strikes, illness or changes in government rules
  • Transport between Kathmandu and Pokhara
  • The Pokhara hotel night after the trek
Add-Ons and Trip Extension

One extra night in a Kathmandu hotel matching your tier, twin-sharing, for example before the programme or after it. Choose the number of person-nights: two guests for one night is 2. A solo traveller pays for a single room, so choose 2 for one night.

Per room per night, twin-sharing, breakfast usually included, for example a night before or after the programme. Two guests sharing one room choose 1 per night. A solo traveller pays for a whole room. Hotel names are confirmed after booking.

One extra vehicle transfer in Kathmandu or Pokhara, for example a late arrival or a change of hotel. Choose the number of transfers.

Dates & Booking

Your trek, your choice, your price

Choose the style that suits you. Book a private departure on any date with just your party, or join a fixed group departure and trek with fellow adventurers from around the world. Same routes, same guides, same quality — 3 comfort tiers on both options. Per-person price follows our group-discount tiers based on YOUR party size (a couple pays less per pax than a solo trekker, 5+ pays less again) — the same tiers apply on both booking types.

Private Departure

  • Any date you choose
  • Just your party + dedicated guide
  • 3 comfort tiers (Budget, Standard, Luxury)
  • Per-pax price tier set by YOUR party size

Fixed Group Departure

  • Scheduled dates (see below)
  • Join other trekkers from around the world
  • 3 comfort tiers (Budget, Standard, Luxury)
  • Per-pax price tier set by YOUR party size (same tier as Private)

Prefer email? Send a question and we will reply within a few hours.

Peak season (Sep–Nov) — our guides book up fast. Get in touch 6–8 weeks ahead to secure your preferred dates.

Fixed Group Departures

Join one of our scheduled fixed departures and share the trail with other trekkers on the same dates. Choose your preferred tier (Budget, Standard, or Luxury) when booking. Per-person price follows our group-discount tiers based on YOUR party size — a couple pays less per person than a solo trekker, and a party of 5+ pays less again. The same tiers apply on private departures too.

Need a different date? Extra departure dates are available on request. Contact us or message Shreejan on WhatsApp.

Start DateEnd DateSeasonStatusBook a Tier
17 Oct 202628 Oct 2026Autumn 2026Open
27 Oct 20267 Nov 2026Autumn 2026Open
6 Nov 202617 Nov 2026Autumn 2026Open
16 Nov 202627 Nov 2026Autumn 2026Open
26 Nov 20267 Dec 2026Autumn 2026Open
1 Mar 202712 Mar 2027Spring 2027Open
11 Mar 202722 Mar 2027Spring 2027Open
21 Mar 20271 Apr 2027Spring 2027Open
31 Mar 202711 Apr 2027Spring 2027Open
10 Apr 202721 Apr 2027Spring 2027Open
20 Apr 20271 May 2027Spring 2027Open
30 Apr 202711 May 2027Spring 2027Open
10 May 202721 May 2027Spring 2027Open
20 May 202731 May 2027Spring 2027Open
30 May 202710 Jun 2027Spring 2027Open
1 Sept 202712 Sept 2027Autumn 2027Open
11 Sept 202722 Sept 2027Autumn 2027Open
21 Sept 20272 Oct 2027Autumn 2027Open
1 Oct 202712 Oct 2027Autumn 2027Open
11 Oct 202722 Oct 2027Autumn 2027Open
21 Oct 20271 Nov 2027Autumn 2027Open
31 Oct 202711 Nov 2027Autumn 2027Open
10 Nov 202721 Nov 2027Autumn 2027Open
20 Nov 20271 Dec 2027Autumn 2027Open
30 Nov 202711 Dec 2027Autumn 2027Open

Fixed departures are dates we have already committed to run. Your party still treks as its own private group with its own guide; we never merge bookings or add strangers, and solo trekkers are welcome on any date. Private departures on any other date you choose are also available. On both, the per-person price is set by the size of your own party.

Questions about this trek?

Chat directly with Shreejan — our founder replies personally within minutes

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Essential Information

Before you go

  • Altitude: you sleep as high as 3,660 m and walk to 4,500 m on Mardi and 4,660 m at Khayer Lake. Tell us about any heart, lung or blood-pressure condition before you book.
  • Fitness: you need to walk five to eight hours a day with a day pack on steps and uneven ground, for nine days. No technical skill is needed. If heights on exposed ridges frighten you, ask us first.
  • Lodges: the Khopra lodges are community-run and simple, with limited menus. Nights on the ridge are cold.
  • Best months: mid October to mid November, then March and April. The monsoon brings leeches and slippery trails.
  • Road: The Pokhara to Baglung road lost about 150 m at Sahasradhara on 27 September 2026, and repairs began on 29 September (position as at 7 October 2026). Our Pokhara trailheads are on that road. We check 48 hours before departure, and if the road is not open we move your dates free of charge.
  • Insurance: buy it at home. It must cover trekking to 5,000 m and helicopter evacuation. We do not recommend insurance bought in Nepal.
  • Spare days: keep at least one spare day before your international flight, because Pokhara flights can be delayed.
  • Hotels: one Pokhara night is included. The night after the trek and Kathmandu nights are not. We can book them for you, or you can stay at our family homestay in Kathmandu (USD 15 per person per night), which supports the learning centre.

FAQs

It is graded Moderate, but it is a long trip. There are nine trek days of 4 to 8 hours, several with big height gains, and the Khayer Lake day is 7 to 8 hours at height. No technical skill is needed, but you need good fitness and some previous hiking.
For a couple, the price per person is USD 1,245 Budget, USD 2,015 Standard and USD 3,810 Luxury. A solo traveller pays USD 2,245, USD 2,945 and USD 6,455. The price falls for larger groups, down to USD 730, USD 1,515 and USD 3,295 for 13 to 20 guests. These prices hold for 2027.
Both start from Pokhara and finish there, so you can walk one and then the other with a night in a hotel between them. You save a second round of travel to Pokhara, and you see two ridges that most trekkers never visit.
It is a high grass ridge at 3,660 m above the Kali Gandaki, west of the Poon Hill trail, with a wall of Dhaulagiri and Annapurna South in front. The lodges are community-run. It is much quieter than Poon Hill or Annapurna Base Camp.
A small glacial lake at about 4,660 m under the south face of Annapurna I, with a shrine to Khayer Barahi. Pilgrims climb up in the monsoon. It is a day walk of 7 to 8 hours from the Khopra ridge and the hardest day of the trip.
Mardi Himal Base Camp is 4,500 m and Khayer Lake is 4,660 m. You sleep at most at 3,660 m. Two days, Forest Camp to High Camp and Tadapani to Dobato, gain more than our 300 to 500 m a day guideline, so we take them slowly. Your guide checks your oxygen level every evening. Tell us about heart, lung or blood-pressure conditions before you book.
Mardi: day 1 is 4 to 5 hours, day 2 is 5 to 6 hours, day 3 is 3 to 4 hours each way along the ridge, day 4 is 6 to 7 hours down to Siding. Khopra: day 6 is 3 to 4 hours, day 7 is 5 to 6 hours, day 8 is 5 hours, day 9 is 7 to 8 hours, day 10 is 5 to 6 hours, day 11 is 5 hours and day 12 is about 6 hours.
Mid October to mid November is the best window, then March and April. In 2027 Dashain is expected around 6 to 10 October and Tihar around 29 to 31 October. December to February is clear but very cold, and Khopra is exposed. See the 2027 table on this page.
The lodges on the Khopra ridge are run by the village committee. They are simple, with limited menus and shared bathrooms in places, and the money stays in the villages. Nights are cold and clear, so bring a warm sleeping bag or ask to borrow ours.
The Pokhara to Baglung road lost about 150 m at Sahasradhara on 27 September 2026, and repairs began on 29 September. Our trailheads are on that road. We check 48 hours before departure, and if the road is not open we move your dates free of charge.
One Pokhara night is included between the two legs, matched to your tier. The night after the trek is not, and Kathmandu nights are not either. We can book them, or you can stay at our family homestay in Kathmandu for USD 15 per person per night.
You pay a 10% deposit to book and the balance in Kathmandu before the trip. We take US dollars or euros, in cash or by card. Card payments carry a 3.5% bank charge, cash in Kathmandu carries none. We cannot take Nepali rupees from foreign guests.
If we cannot run your trip, we refund what you have paid, less taxes, bank or card charges and any money already spent on your behalf, or move you to another date. If you cancel yourself, the deposit is not refundable, but you can reschedule free to any date within one year with at least 72 hours' notice.
Yes. Buy travel insurance at home, before you travel, and check that it covers trekking to 5,000 m and helicopter evacuation. We do not recommend insurance bought in Nepal.