For 1 year & 1 person by Green Delta Insurance Company Limited
Policy Details
Hospicash for Accident/Disease/Covid-19 (only Hospitalization)
BDT 100,000
Number of insured – 1
Policy validity - 1 year from the date of registration
Age: 18 years to 60 Years
Any Bangladeshi National
Hospicash for Accident/Disease/Covid-19 (only Hospitalization)
Tk. 1,000/night (Maximum 20 unique incidents per year)
Maximum 5 nights per month
RT-PCR test report is required for Covid-19
Minimum 24 hours Hospital Stay required for Hospicash
Exclusions
Exclusions:
The Following Diseases are excluded from the scope of cover:
Cold/Fever/Flu
Headache/back pain/abdominal pain (unspecified), Pregnancy and HIV related issues
General Weakness (unspecified)
Hospitalization due to consuming addictive substance
Core Exclusions:
30 day waiting period from the date of the registration
Any claim must be raised within 30 days of incident
Without Doctor’s recommendation, hospital admission will not be considered
Any congenital infirmity
Any pre-existing Condition
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
Prophylactic and immunization procedures
Any procedure which is experimental or not generally accepted by the medical profession (i.e.; acupuncture)
Any cosmetic or plastic treatment/surgery unless required as reconstructive surgery as a consequence of an injury due to accidents or burns.
Rest, convalescence or rejuvenation cures, thermal baths or confinement for the purposes of slimming or beautification
Family planning purposes including termination of pregnancy during the first twelve weeks from the date conception, sterility
Willful abortion or any complication and/or sequel there from
Attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Contract lenses) or hearing aids
Routine physical examinations (health check-ups), radiotherapy (X-ray, radium or radioactive isotopes treatment), chemotherapy or any form of treatment when not incidental or necessary to the treatment of the injury/illness which caused the hospitalization
Any types of dental & optical treatment
Injury arising due to accident while participating in any unlawful activities (e.g. driving a car without a license)
Non-surgical care for tuberculosis
Injury or disease directly or indirectly attributed to or civil commotion
Circumcision
Injury, destruction or damage caused by nuclear fission, nuclear fusion or irradiation
AIDS and HIV related diseased
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
Diagnostic tests conducted without recommendation from a MBBS doctor
Pre-existing (if diagnosed before the enrollment) conditions requiring surgery - for which surgery was done after the enrollment.
Pre-existing covid-19 not covered
Other pre-existing cases like problems arising from narcotics abuse, self-harm, or unlawful activities
Hospice and end of life care
Maternity related claim will be not cover
This Waiting Period is also separately applicable for each Family Member(s) of Primary Member. Waiting Period (30 days) for Family Member(s) shall commence from the day of addition of Family Member(s) to the Package