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Guardian Life Starter
For 1 year & 1 person by Guardian Life Insurance Limited
Policy Details
| Death (at any cause) | BDT 100,000 |
| Critical Illness | BDT 100,000 |
- Number of insured persons - 1
- Policy validity - 1 year from the date of registration
- Any Bangladeshi National
- Aged between 18 - 60 years
- Death (at any cause) - BDT 100,000
* Death due to any cause other than suicide/HIV-AIDS
- Critical Illness (CI) - BDT 100,000
* Coverage of risk for 5 (Five) major critical diseases sustained during the period of insurance coverage
- Cancer: A disease manifested by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. Diagnosis has to be confirmed by a specialist and evidenced by definite histology. The term cancer also includes leukemia and malignant diseases of the lymphatic system. Excluded are: Any CIN stage (cervical intraepithelial neoplasia), any pre-malignant tumor, any non-invasive cancer, prostate cancer stage 1, basal cell carcinoma and squamous cell carcinoma, malignant melanoma stage IA, any malignant tumor in the presence of any Human Immunodeficiency Virus.
- Coronary Artery Surgery: The actual undergoing of open chest surgery for the correction of two or more coronary arteries, which are narrowed or blocked, by coronary artery bypass graft (CABG). The surgery must have been proven to be necessary by means of coronary angiography and realization of the surgery has to be confirmed by a specialist. Angioplasty and/or any other intra-arterial procedures including key-hole surgery are excluded from insurance coverage.
- Major Organ Transplantation: The actual undergoing of a transplantation as the recipient of a heart, lung, liver, pancreas, small bowel, kidney or bone marrow.
- Stroke: Any cerebrovascular incident producing permanent neurological sequel and including infarction of brain tissue, hemorrhage and embolization from an extra cranial source. Diagnosis has to be confirmed by a specialist and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of neurological deficit for at least 3 months has to be produced. Excluded are: Transient ischemic attacks (TIA), Traumatic injury of the brain, Neurological symptoms due to migraine.
- Paralysis: Total and irreversible loss of use of two or more limbs through paralysis due to accident or sickness of the spinal cord. These conditions have to be medically documented by a specialist for at least 3 months. Excluded is: Paralysis due to Guillain-Barre-Syndrome.
