FB ID

Carnival - Sheba Life (Bronze)

for 1 year

Coverage up toBDT 150,000

Premium - BDT 350

Death Death BDT 100,000
Permanent Total Disability (PTD) Permanent Total Disability (PTD) BDT 50,000
  • Number of insured – 1
  • Life Coverage of Primary Member – BDT 100,000

    * death at any cause except suicide/HIV-AIDS

  • Permanent total disability (PTD) – BDT 50,000

    * In case of Total and Permanent Disability resulting from bodily injury directly through accidental means, which prevents the Insured Member from engaging in any business, occupation or work whatsoever for remuneration or profit and which disability has continued uninterruptedly for a period of at least six months and has been certified to be incurable by a physician approved by the Parties subject to provisions of this agreement.

  • Minimum 6 month’s disability certification will be required by an MBBS doctor
  • While interpreting this definition the Second Party shall, however, recognize as Total and Permanent Disability the entire and irrevocable loss of:

    • Both eyes
    • Both hands above the wrist
    • Both feet above the ankle
    • One hand above the wrist and one foot above the ankle
    • One eye and one hand above the wrist
    • One eye and one foot above the ankle

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

General Exclusions:

  • All pre-existing disease related Death and PTD
  • Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony
  • By participating in illegal activity is not covered
  • Suicide while sane or insane
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus
  • Any congenital infirmity
  • Any minor surgery, daycare treatment
  • Circumcision, prophylactic and immunization procedures
  • 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
  • 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.
  • Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
  • Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification
  • Fracture and trauma due to physical assault, 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
  • Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident)
  • 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
  • Allergy tests that detect allergen- specific IgE
  • 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
  • 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