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:

Waiting Period:

• For Natural Death: 30 days from the date of registration
• For Accidental Death: 7 days from the date of registration
• For Accidental Indemnity: 7 days from the date of registration
• For Hospitalization (in-patient services): for emergency hospitalization 7 days and for general hospitalization 1 month from the date of registration
• For Surgical Benefit: 3 months from the date of registration
• For Ambulance Cost: 7 days from the date of registration

Core Exclusions:

• 24 hours hospital waiting period after admission will be applied for hospitzalization (in-patient services) coverage
• Maximum 3-day coverage at a stretch will be considered as a single confinement for hospitzalization (in-patient services)
• Prescriptions from doctors with minimum MBBS qualification shall be valid for all types of claims

General Exclusions:

• All pre-existing disease related to all types of coverage in the first year 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 expenses related to C-section (maternity) or beautification purpose
• Any pregnancy related hospitalization
• 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