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Chartered Nirapotta (3 years)

For 3 years & 1 person

Coverage up toBDT 300,000

Premium - BDT 3,000

Natural Death Natural Death BDT 50,000
Accidental Death Accidental Death BDT 150,000
Accidental Hopitalization Accidental Hopitalization BDT 30,000
Hospitalization ( in-patient service) Hospitalization ( in-patient service) BDT 30,000
Surgical Benefit Surgical Benefit BDT 30,000
Ambulance Expense Ambulance Expense BDT 10,000
  • Number of insured – 1
  • Worldwide Coverage
  • Any Bangladeshi National
  • Aged between 2 - 60 years
  • This policy will be valid for 3 years from the date of registration
  • Life Coverage of Primary Member (Natural Death) – BDT 50,000
  • Life Coverage of Primary Member (Accidental Death) – BDT 150,000
  • Accidental Hospitalization Coverage - BDT 30,000

    • Head Injuries (Up to BDT 30,000)
    • 2nd and 3rd Degree Burn (Up to BDT 22,500)
    • Chest Injuries (Up to BDT 15,000)
    • Fractures & Dislocation, Scrapes and Cuts (Up to BDT 7,500)
    • 1st degree burns, Scrapes and Cuts (Up to BDT 3,000)
  • Hospitalization (in-patient services) - BDT 30,000

    * an in-patient is someone who's been admitted to hospital at least for 24 hours 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 1,000/day (maximum BDT 10,000 and 10 days/year)
  • Surgical Benefit – upto BDT 30,000

    • Insured has to bear 30% of each claim amount
  • Ambulance Cost - BDT 10,000

    • Applicable for only ambulance fare (no other means of transport) in case of only emergency hospitalization
    • Maximum BDT 5,000 can be claimed in a year

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