Coverage up toBDT 505,000
Premium - BDT 2,999
 |
Death | BDT 400,000 |
 |
Hospitalization (in-patient service) | BDT 100,000 |
 |
Out-patient service | BDT 5,000 |
- Number of Life insured – 2
- Life Coverage of Primary Member – BDT 200,000
* death at any cause except suicide/HIV-AIDS
- Life Coverage of 2nd Member – BDT 200,000
* death at any cause except suicide/HIV-AIDS
- Number of Health insured – 2
- 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 attended 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 with or in 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
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