We offer three comprehensive packages:

• Basic ($16): ≤3,500m altitude, 14 days duration, $35,000 death/disability coverage
• Plus ($150): ≤5,500m altitude, 14 days duration, enhanced rescue coverage ($4,500)
• Pro ($500): ≤6,000m altitude, 60 days duration, $17,500 death/disability, $6,000 rescue coverage

All packages include medical coverage ($3,500) and body repatriation ($2,000) with $100 medical deductible.

Insurance coverage becomes effective T+2 (2 days after purchase). This waiting period ensures proper policy processing and device activation. Plan your trek accordingly to ensure you're covered from day one of your adventure.

Coverage applies only within legal tourist routes approved by the Nepal Government. This includes all major trekking circuits like Everest Base Camp, Annapurna Circuit, Langtang Valley, and other officially designated trekking areas. Unauthorized routes are not covered.

CTG includes four essential safety devices:

• Tracer: GPS + SOS satellite communicator with 240h battery life, works in -30°C
• Messager: Iridium-based global communicator with two-way messaging, 120h battery
• Band: Vital signs monitor (heart rate, blood oxygen, temperature), 100h standby
• First Aid Kit: Compact emergency medicines and supplies for trekkers

Our devices provide ≤10m GPS accuracy with global positioning capabilities. The Tracer uses the Beidou satellite system while the Messager utilizes Iridium satellites, ensuring reliable location tracking even in the most remote areas of Nepal.

The Tracer device must be powered, active, and worn during accidents for insurance coverage to apply. Device misuse (not carrying or charging) will void your insurance claims. Always ensure your device is charged and functioning before starting your trek.

Our rescue system is designed for rapid response:

• 30 seconds: Call center answers SOS alarms
• 30 minutes: Helicopter dispatch for emergency evacuation
• 24/7 availability: Continuous monitoring and rescue coordination

We work with Assist America call center and local rescue partners to ensure the fastest possible response.

The rescue process follows these steps:

1. SOS button pressed on Tracer/Messager device
2. Alert received by HGN Rescue Platform + Assist America Call Center
3. Call center validates vital data and contacts guide/insured
4. Rescue plan matched and helicopter/ground rescue dispatched
5. Patient transported to hospital, insurance claim initiated
6. Claim processed with medical and rescue documentation

Exclusions include:

• Pre-existing severe medical conditions
• Pregnancy-related complications
• Organ transplant history
• Certain chronic diseases
• Accidents on unauthorized trekking routes

Please review the complete policy terms for detailed exclusions before purchasing.

Yes, altitude sickness coverage is included under certain conditions with co-payment. The Band device continuously monitors vital signs to detect early symptoms, and our platform provides immediate access to medical guidance for altitude-related health issues.

Claims require:

• Video/photo proof of the incident
• Medical documentation from treating physicians
• Guide testimony and incident reports
• Device data showing location and vital signs during incident

Our platform automatically archives rescue data to support your claims process.

Emergency contacts:

• Rescue Call Center (Assist America): +86-1051295700
• Insurance Partner (IGI Prudential): +977-9851057746
• HGN Platform & Sales: +977-015925889 (9:30-18:00, Sun-Fri)

All rescue and insurance services are available 24/7 for emergencies.

Yes, you can purchase CTG packages for groups. Our platform supports OCR passport recognition for 200+ countries, making it easy to bind insurance for multiple travelers. Contact our sales team at +977-015925889 for group bookings and potential discounts.