26/01/2026
1. What is Dheyob Ngensung Laychar?
Dheyob Ngensung Laychar is an insurance policy designed to cover all professional drivers in the country to help them enhance their social security.
2. What are the eligibility criteria for such insurance?
I. All the drivers who earn their living through driving will be considered professional drivers and automatically qualify for this policy.
II. Any professional driver in the age category of 21 - 60 shall qualify for this policy.
III. The following are the ‘Professional Drivers’ in the context of this policy;
a. Taxi Drivers
b. Machine operators (Earth Moving Equipment)
c. Bus, Truck (heavy & medium) Drivers
d. Government Vehicle Drivers
e. Drivers employed by Foreign Diplomats, Corporate Bodies, and Private Entities
3. Is the insurance only limited to Bhutanese drivers?
No, this policy can be extended to foreigners with PD licenses working in Bhutan with valid work permits.
4. What does Dheyob Ngensung Laychar cover?
I. Standard Dheyob Ngensung Laychar
• Death: Natural & Accidental Death
• Total Permanent Disablement: Disablement from accidents
• Temporary Disablement: Disablement from accidents
II. Premium Dheyob Ngensung Laychar
• Death: Natural & Accidental Death
• Total Permanent Disablement: Disablement from accidents
• Temporary Disablement: Disablement from accident
• Health Insurance Cover: Hospitalization and Travel
5. What is the minimum & maximum sum insured for this policy?
The sum insured ranges from Nu 100,000 to Nu 500,000.
6. How much premium do you need to pay for the Standard Dheyob Ngensung Laychar?
The premium amount for Standard Dheyob Ngensung Laychar ranges from Nu 5,882 to Nu 6,825.
7. How much premium do you need to pay for the Premium Standard Dheyob Ngensung Laychar?
The premium for the Premium Dheyob Ngensung will be higher than the Standard Dheyob Ngensung as it covers health insurance and Standard Dheyob Ngensung benefits. The premium will depend upon the driver's age and the sum insured.
8. What is the amount provided for health insurance coverage in Premium Dheyob Ngensung?
The amount provided in health insurance coverage is Nu 100,000.
9. Does Dheyob Ngensung cover both the vehicle and the driver?
No, Deyob Ngyesung Leychar covers the only driver.
10. Is Dheyob Ngensung Laychar a term policy?
Deyob Ngyensung Leychar is an annual renewal policy.
11. Will the premium depend on the model and purchasing year?
No, the premium depends on the sum the insured opted for and the age factor.
12. Is Dheyob Ngensung Laychar mandatory by the Government?
Dheyob Ngensung Laychar is not mandatory by the Government.
13. What is the difference between Motor
Comprehensive Insurance and Dheyob Ngensung Leychar?
Motor Comprehensive Insurance is property insurance that covers material damages and third-party liability. Dheyob Ngensung Laychar has a personal accident policy that covers the driver.
14. Does Dheyob Ngensung Laychar cover the accident caused by the third party?
Yes.
15. What are the checklists for the insurance proposal?
• Copy of Valid Citizenship Identity Card
• Copy of Valid Professional Driving License
16. How do I file for the claim?
Need to intimate immediately or within 15 days from the date of the event with the following documents;
• CID copy
• Claims forms/intimation letter
• Police report
• Insurance policy copy
• Death: Death Certificate
In the case of Total Permanent Disablement & Temporary Disablement, it must produce a prescription from a medical doctor.
