For 1 year & 1 person by Chartered Life Insurance Co. Ltd.
Policy Details
Death (at any cause)
BDT 50,000
Accidental Hospitalization
BDT 50,000
Number of insured persons– 1
Policy validity - 1 year from the date of registration
Any Bangladeshi National
Aged between 18 - 60 years
Death (at any cause) – BDT 50,000
* death due to any cause other than suicide/HIV-AIDS
Accidental Hospitalization Coverage - BDT 50,000
Head Injuries (Up to BDT 50,000)
2nd and 3rd Degree Burn (Up to BDT 37,500)
Chest Injuries (Up to BDT 25,000)
Fractures & Dislocation (Up to BDT 12,500)
1st degree burns , Scrapes and Cuts (Up to BDT 5,000)
Soft Tissue Injuries including Sprain (Up to BDT 2,500)
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:
15 days waiting period after registration will be applied for all types of claims except accidental causes
Only MBBS or above qualified doctor's prescriptions will be valid
This policy does not cover any expenses related to the COVID-19 pandemic
General Exclusions:
All pre-existing disease related to all types of coverage of the policy
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 any types of illegal activities
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), malignant cancer, radiotherapy, chemotherapy, dialysis 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, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem
IgE test, vitamin tests
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving
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