FB ID

Chartered Nirapotta (5 years)

for 1 person

Coverage up toBDT 350,000

Premium - BDT 5,000

Natural Death Natural Death BDT 50,000
Accidental Death Accidental Death BDT 150,000
Accidental Hopitalization Accidental Hopitalization BDT 40,000
Hospitalization (in patient service) Hospitalization (in patient service) BDT 50,000
Surgical Expense Surgical Expense BDT 40,000
Ambulance Expense Ambulance Expense BDT 20,000
  • Number of insured – 1
  • Worldwide Coverage
  • Any Bangladeshi National
  • Aged between 2 - 58 years
  • This policy will be valid for 5 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 40,000

    • Head Injuries (Up to BDT 40,000)
    • 2nd and 3rd Degree Burn (Up to BDT 30,000)
    • Chest Injuries (Up to BDT 20,000)
    • Fractures & Dislocation, Scrapes and Cuts (Up to BDT 10,000)
    • 1st degree burns, Scrapes and Cuts (Up to BDT 4,000)
  • Hospitalization (in-patient services) - BDT 50,000

    * 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 40,000

    • Insured has to bear 30% of each claim amount
  • Ambulance Cost - BDT 20,000

    • 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