@pichas k garney i have to pay both health insurance and tuition. Since health insurance is mandatory for me I thought of being on the safe side and buying insurance for my wife too.

@deshbhaktanepali ...  i am going to start grad school that's why america aauna lageko. It's the best school for my  program in the U.S and I am happy to have got admitted there. Since I didn't have any idea about buying insurance from Nepal that's why I posted to find out about it from others experience. Since there are companies in India who do it and other international students buy it from home country as it turns out to be cheaper but being Nepali I am not eligible to buy insurance from Indian companies like TATA and ICICI. So was looking at Nepali insurance company options  and asking if any body has had any experience.