KATHMANDU, Sept 1: About 25 percent of the total population have access to insurance. Access to insurance increased by about two percent in the fiscal year 2020/21, reaching a quarter of the population. As of the previous fiscal year, access to insurance had reached 22.61 percent of the population. According to the Beema Samiti, it reached 24.76 percent of the total population by mid-July last year.