Carnival - Sheba Combo (Silver)

for 1 year

Coverage up toBDT 200,000

Premium - BDT 1,300

Death Death BDT 100,000
Permanent Total Disability (PTD) Permanent Total Disability (PTD) BDT 60,000
Hospitalization ( in-patient service) Hospitalization ( in-patient service) BDT 34,000
Out-patient service Out-patient service BDT 6,000
  • 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 60,000

    * 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.

  • 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
  • Health Coverage (in-patient) - BDT 34,000

    * 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 2,000/day (maximum 17 days/year)
  • Health Coverage (out-patient) - BDT 6,000

    * 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
  • Minimum 6 month’s disability certification will be required by an MBBS doctor

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