Carnival Familio

Life for 2 persons & Health for 4 persons

Coverage up toBDT 505,000

BDT 3,499 BDT 3,999

Death Death BDT 400,000
Hospitalization (in-patient service) Hospitalization (in-patient service) BDT 100,000
Out-patient service Out-patient service BDT 5,000
  • Number of insured persons (Life) – 2
  • Life Coverage of Primary Member – BDT 200,000

    * death due to any cause other than suicide/HIV-AIDS

  • Life Coverage of Spouse – BDT 200,000

    * death due to any cause other than suicide/HIV-AIDS

  • Number of insured persons (Health) – 4
  • Health Coverage (in-patient) - BDT 100,000

    * an in-patient is someone who's been admitted to hospital at least for a night as per doctor's recommendation.

    • In-patient services include - during hospitalization period Room rent, Hospital services, Surgical expenses, Consultation fees, Diagnostic bills, Medicine etc.
    • Maximum confinement benefit - BDT 10,000/day (maximum 10 days/year)
  • Health Coverage (out-patient) - BDT 5,000

    * an out-patient is someone who goes to a hospital for a treatment but does not stay overnight.

    • Out-patient services include – diagnostic tests and related attending physician's visit
    • Doctor's visit BDT 300/prescription
    • Diagnosis bills (20% copayment – paid by patients) doctor's visit

No benefit shall be paid under this Contract for expenses or losses resulting from or incurred in connection within consequence of the following:

Core Exclusions:

  • 15 days waiting period after registration will be applied for all types of claims
  • 90 days waiting period will be applied for maternity claims
  • 24 hours hospital waiting period after admission will be applied for IPD coverage
  • Maximum 3-day coverage at a stretch will be considered as a single confinement for IPD
  • Only MBBS doctor's prescriptions will be valid for OPD claims

General Exclusions:

  • Immunization procedures
  • Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene product like sanitary pads, etc.
  • Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
  • Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns
  • Allergy tests that detect allergen- specific IgE
  • Any procedures which is experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homeopathy treatment and any Alternative Medical Care (AMC) etc.
  • Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification
  • Injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license), 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 Intra-ocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups) and any dental treatment unless require hospitalization for re-constructive surgery as a consequence of an accident
  • Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases and costs of prostheses, corrective devices
  • Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem