Coverage up toBDT 300,000
Premium - BDT 3,000
 |
Natural Death | BDT 50,000 |
 |
Accidental Death | BDT 150,000 |
 |
Accidental Hopitalization | BDT 30,000 |
 |
Hospitalization ( in-patient service) | BDT 30,000 |
 |
Surgical Benefit | BDT 30,000 |
 |
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
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