Policy validity - 1 year from the date of registration
Any Bangladeshi National
Aged between 18 - 45 years
An individual is allowed to buy one policy only and policy benefits shall be offered only once during the lifetime of a single individual
Life Coverage of Primary Member (Death at any cause except mentioned in exclusion) – BDT 100,000
Critical Illness (CI) - BDT 100,000
* Coverage of risk for 03 (three) major critical diseases sustained during the period of insurance coverage.
Cancer : A disease manifested by the presence of a malignant tumor characterized by uncontrolled growth and spread of malignant cells and the invasion of tissue. Diagnosis must be evidenced by definite histology. The term ‘cancer’ also includes leukemia and malignant diseases of the lymphatic system such as Hodgkin’s disease. Excluded are malignant tumors in presence of HIV, any non-invasive cancer in situ and all skin cancers except invasive malignant melanoma.
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. Angioplasty and/or any other intra-arterial procedures including key-hole surgery are excluded from insurance coverage.
Major Organ Transplant : The actual undergoing of transplantation as the recipient of following human organs:
Heart, lung, liver, kidney, pancreas that resulted from irreversible end stage failure of the relevant organ.
Human bone marrow using hematopoietic stem cells preceded by total bone marrow ablation.
The transplantation of any other organs, parts of organs, tissues or cells are excluded from insurance coverage.
Exclusions
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:
Waiting period of 15 (fifteen) days from date of registration, for which period no death claim shall be entertained
Waiting period of 90 (ninety) days from date of registration, for which period no critical illness claim shall be entertained
Insurance coverage shall cease upon settlement of any claim under the policy
General Exclusions:
Any pre-existing condition
Any congenital disease
Suicide
AIDS & HIV disease
Specific exclusions mentioned under Critical Illness