Up to BDT. 20,000 yearly health coverage subscription for 1 person

- BDT. 15,000 Hospitalization Cashback (BDT. 1,000 per night, up to 15 nights per year)

- BDT. 5,000 COVID-19 Benefit (BDT. 2,500 per claim, up to 2 times in a year)

1. 1-year coverage duration from the date of registration
2. For 1 Bangladeshi adult person only
3. Age limit - 18 to 65 years at the time of purchase
4. 21 days waiting period for COVID-19 and sickness related hospitalization claims, no waiting period for hospitalization due to accidents
5. 180 days waiting period for any hospitalization claim related to maternity
6. MBBS or above qualified doctor’s recommendation required for hospitalization
7. Hospital must be registered with the government authority
8. Claims must be submitted within 45 days of treatment/discharge

Exclusions

1. Any congenital infirmity
2. Hospitalization, COVID-19 or any treatment taken during the waiting period
3. Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
4. Hospitalization due to any type of illegal activities
5. Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homeopathy treatment and any Alternative Medical Care (AMC) etc.
6. Circumcision, prophylactic, and immunization procedures
7. Non-surgical treatment for tuberculosis, hepatitis B & C
8. Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
9. 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, or burns
10. Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem
11. Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction
12. The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus

Hospitalization Cashback Claims (Scanned images or clear photographs):

• Doctor’s advice/prescription for hospital admission
• NID/Passport of the Covered Person
• Discharge certificate from the hospital
• Diagnostic test reports
• Hospital bill/ticket
• Any other supporting documents which may be required

COVID-19 Benefit Claims

• Doctor’s recommendation for COVID-19 test
• NID/Passport of the Covered Person
• COVID-19 positive report/SMS from a Government approved hospital, laboratory or diagnostic center, following Government approved test procedure(s) (where test center name, test and report delivery dates, Covered Person’s name are clearly mentioned)
• Any other supporting documents which may be required

Outpatient Benefit Claims (Doctor Consultation/Diagnostic Test/Daycare Treatment)

1. Doctor Consultation
   • Doctor’s prescription/Investigation report with doctor’s Name, Designation, Seal and signature
   • NID/Passport of the Covered Person
2. Diagnostic Test
   • Doctor’s Prescription/Doctor’s recommendation for the test
   • NID/Passport of the Covered Person
   • Test reports (where Test Report date & Test Centre Name are clearly mentioned)
   • Test bill
3. Daycare Treatment
   • Doctor’s Prescription/Hospital Emergency Ticket
   • NID/Passport of the Covered Person
   • Hospital bill/ticket