Motor Insurance

Product Summary	Net Premium	VAT	Total Price
Premium	To be calculated by the insurer depending on car value, cubic capacity, Seating Capacity, Year of Manufacture and other factors	15%	--
Sum Insured	As per client declaration (Based on Purchase invoice/ Market Value/Loan Sanction amount of the car)

 

Coverage Type: Comprehensive

• by fire explosion, self-ignition or lightning;
• by burglary housebreaking or theft;
• by riot and strike including malicious activities
• by earthquake (fire & shock damage);
• by flood, typhoon, hurricane storm, tempest, inundation, cyclone, hailstorm,frost;
• accidental damage by external means;
• Whilst in transit by road, rail, inland waterway, lift, elevator or air

Coverage Type: Comprehensive (Excluding Earthquake)

• by fire explosion, self-ignition or lightning;
• by burglary housebreaking or theft;
• by riot and strike including malicious activities;
• by flood, typhoon, hurricane storm, tempest, inundation, cyclone, hailstorm,frost
• accidental damage by external means;
• Whilst in transit by road, rail, inland waterway, lift, elevator or air

Coverage Type: Comprehensive (Excluding Flood, Cyclone & Earthquake)

• by fire explosion, self-ignition or lightning;
• by burglary housebreaking or theft;
• by riot and strike including malicious activities;
• accidental damage by external means;
• Whilst in transit by road, rail, inland waterway, lift, elevator or air

Waiting Period:

Nil

Required Documents:

• Proposal form duly filled-in and signed by the Insured
• Copy of BRTA registration
• Copy of tax token
• Copy of NID & Contact number

Requirements for Claim:

• Insured will notify GDIC regarding the Incident.
• Insured will issue a General diary (GD) in nearest police station of incident location.
• GDIC will appoint surveyor to survey the vehicle.

Required documents:

• Claim intimation letter.
• Claim form duly filled-in and signed by Insured
• Copy of BRTA registration
• Copy of Tax token
• Copy of fitness certificate
• Driver’s statement regarding the incident
• 3 (three) different quotation from different workshop.

N.B: May require other documents depending on Cause & Nature of Loss/Damage of Claim.

What will the Green Delta Motor Insurance Policy Reimburse

Vehicle Damage (as per Motor Vehicle Act)

• Actual amount spent for repairs/replacement
• Liability (as per Motor Vehicle Act)
• Liability to the passenger
• Liability to the driver
• All other costs & expenses incurred with Company's written consent

Factors influencing premium calculation:

Green Delta Private Car Insurance Policy premium is as per Motor Tariff and it depends on the following factors:

• Insured Declared Value
• Cubic capacity
• Vehicle Type-Make/Model
• Number of Passenger Including Driver
• Loadings and Discounts/No Claim Bonus
• Flood, Cyclone, Earthquake, R&SD Risk
• Automatic Vehicle Tracking system (AVTS)
• Tachometer (an instrument measuring the rotation speed of a shaft or disk, as in a motor or other machine)

Discounts - No Claim Bonus:

If you have not registered any claim in the previous year of insurance, you are eligible for a No Claim Bonus. This Bonus keeps on accumulating over a period of time which is a certain percentage of discount in the premium. The discount can go as high as 50%.

• No claim made during the preceding year of insurance (2nd year) no claim bonus applicable 30%
• No claim made during the preceding 2 consecutive (3rd years) of insurance no claim bonus applicable 40%
• No claim made during the preceding 3 consecutive (4th years) of insurance no claim bonus applicable 50%
• No claim bonus should not be totally withdrawn in the event of claim but should be reduced by two steps for each claim until the insured has reached the basic premium
• You can retain the No Claim Bonus of your sold car and transfer it to your new car
• You can enjoy full benefit of No Claim Bonus, even when you shift from any insurance company to Green Delta Insurance Company Limited

Claim Loading for private & commercial vehicle:

If the insured is not entitled to any No claim bonus and made any claim or   claims during the preceding period of insurance, the basic premium at next renewal shall be loaded in accordance with the following scale:

• The loading is applicable to the basic premium
• One claim in preceding period of insurance applied 30% loading the basic premium
• Two claims in preceding period of insurance applied 40% loading the basic premium
• Three claims in preceding period of insurance applied 50% loading the basic premium
• Where a loading has been applied and the insured does not make any claim during that policy year he will become entitled to pay basic premium only at renewal of this policy.
• But if there be 4 (four) claims in the preceding year of insurance then the comprehensive cover be reverted to third party cover at the next renewal
• The loading shall follow the fortunes of the insured and shall apply to any new or substituted vehicle in place of the old vehicle in respect of which the policy was not renewed

Period of insurance:

The premium quoted in the several schedules in the tariff are the premiums payable on policy issued or renewed for one year. No policy may be issued or renewed for a period longer than one year.

Limit of liability:

A) Driver/Helper:

• in case of death or permanent disablement insurer will pay BDT Taka 21,000
• in case of grievous injury hospital expenses at actual but not more than BDT Taka 10,000

B) Passengers or pedestrian

• in case of death or permanent disablement insurer will pay BDT Taka 20,000
• in case of grievous injury hospital expenses at actual but not more than BDT Taka 10,000 per passenger

Voluntary Excess:

You may opt for a higher voluntary deductible over and above the compulsory deductible, which will entitle you for additional discount in the premium.

What the Green Delta Private Car Insurance Policy excludes:

• Consequential loss
• Depreciation, wear and tear
• For all rubber, nylon, plastic parts tyre and battery 50% excluded
• For all parts made of glass
• Mechanical and electrical breakdown, failure or breakage
• When vehicle is used outside the geographical area
• When used contrary to limitation as to use
• Driven by a person other than the driver stated in driver's clause
• If the driver influence of intoxicating liquor or drugs
• War perils, nuclear perils and drunken driving

 

Nibedita- A Comprehensive Insurance policy for Women 

Nibedita is an insurance policy providing affordable comprehensive insurance coverage to females.

Nibedita Eco

Premium

• BDT 55 (sum insured BDT 50,000/=)
• BDT 89 (sum insured BDT 100,000/=)
• BDT 124 (Sum insured BDT 150,000/=)
• BDT 158 (Sum insured BDT 200,000/=)

Coverage

• Accidental Death
• Disability / Accidental death due to insect bites, snakes and animal bites
• Death during child birth or during caesarean operation at the time of child birth
• Death injury due to riot and strike, civil commotion

Special Coverage

• Trauma Allowance in case of rape, road bully, robbery, acid victim (maximum BDT 12,500)

Sum Insured :

BDT 50,000/- to BDT 200,000/-

Waiting Period:

Nil

Required Documents:

• Proposal form duly filled-in and signed by the Insured
• Copy of owner NID 
• Owner’s Contact number
• Nominee NID 
• Nominee’s Contact number

Age Limit:

14 – 75 Years

 

Nibedita Regular

Premium

• BDT 595 on Sum insured BDT 100,000/=
• BDT 1,170 on Sum insured BDT 200,000/=
• BDT 1,745 on Sum insured BDT 300,000/=
• BDT 2,320 on Sum insured BDT 400,000/=
• BDT 2,895 on Sum insured BDT 500,000/=
• BDT 3,470 on Sum insured BDT 600,000/=
• BDT 4,045 on Sum insured BDT 700,000/=
• BDT 4,620 on Sum insured BDT 800,000/=
• BDT 5,195 on Sum insured BDT 900,000/=
• BDT 5,770 on Sum insured BDT 1,000,000/=

Coverage Type: Comprehensive

• Accidental Death
• Disability / Accidental death due to insect bites, snakes and animal bites
• Death during child birth or during caesarean operation at the time of child birth
• Death injury due to riot and strike, civil commotion

Special Coverage

• Trauma Allowance in case of rape, road bully, robbery, acid victim (maximum BDT 25,000)
• Loss or damage to household goods/personal effects due to fire/lightening, riots, storm, typhoon, flood, cyclone and earthquake (25% of the sum insured)

Sum Insured

BDT 100,000/- to BDT 1,000,000/-

Waiting Period : Nil

Required Documents

• Proposal form Duly filled-in and signed by the Insured
• Copy of owner NID 
• Owner’s Contact number
• Nominee NID
• Nominee’s Contact number

Age Limit: 14 – 75 Years

 

Nibedita Plus

 

Premium

• BDT 10,485 on Sum insured BDT 500,000/=
•  BDT 20,950 on Sum insured BDT 1,000,000/=
•  BDT 41,940 on Sum insured BDT 2,000,000/=
•  BDT 62,930 on Sum insured BDT 3,000,000/=
•  BDT 83,940 on Sum insured BDT 4,000,000/=
•  BDT 104,950 on Sum insured BDT 5,000,000/=

Coverage Type: Comprehensive

• Accidental Death
• Disability / Accidental death due to insect bites, snakes and animal bites
• Death during child birth or during caesarean operation at the time of child birth
• Death injury due to riot and strike, civil commotion

Special Coverage

• Trauma Allowance in case of rape, road bully, robbery, acid victim (maximum BDT 25,000)
• Loss or damage to household goods/personal effects due to fire/lightening, riots, storm, typhoon, flood, cyclone and earthquake (25% of the sum insured)
• Global Emergency Medical Evacuation
• Second Medical Opinion
• Health Insurance (BDT 1,00,000)

Sum Insured : 

BDT 500,000/- to BDT 5,000,000/-

Waiting Period: Nil

Required Documents:

• Required Documents:
• Proposal form Duly filled-in and signed by the Insured
• Copy of owner NID
• Contact number
• Nominee NID  
• Contact number

Age Limit: 14 – 75 Years

Requirements for Claims (ECO, REGULAR, PLUS)

General Required Document:

• “Claim Form” duly completed in all respects and signed with seal by the insured
• Hospital Bills/Claim Bills
• Detailed statement of the Claimant
• GD Entry/Police Report, if applicable
• Doctor Certificate for accident
• Discharge Certificate from the Hospital
• Death Certificate/Post Mortem Report from the Hospital (In case of Death)
• Succession Certificate from the District Judge Court (In case of Death)

In case of Loss &/or Damage to household goods/personal effects:

• Fire Brigade Report for fire loss, if Fire Brigade attended
• GD/FIR/Policy Report in case of Riot
• Metrological Report for Lightening, Storm, Typhoon, Flood, Cyclone & Earthquake; if available

In case of Trauma Allowance:

GD/FIR/Policy Report in case of Rape, Road bully, robbery, acid victim

In case of Global Emergency Medical Evacuation, Second Medical Opinion & Health Insurance:

• “Claim Form” duly completed in all respects signed with seal by you and attending Doctor/Physician
• Details of accident
• Copy of Test Report and other related necessary papers
• Medical Extract obtained from the doctor/Clinical hospital
• Hospital Bill/Doctor’s Prescription/Medicine Bill with supporting papers/documents
• Original Discharge Certificate along with Paid Bills.
• Death Certificate from the hospital (If necessary)
• Copy of Official ID
• Fitness Certificate from the doctor.
• Copy of Joining report

N.B: May require other documents depends on Cause & Nature of Loss/Damage of Claim

 

Schedule of Compensation:

Permanent total loss of sight of both eyes	100%
Total loss or permanent total loss of use of two limbs	100%
Total loss or permanent total loss of use of right arm	75%
Total loss or permanent total loss of use of left arm	60%
Total loss or permanent total loss of use of right forearm	65%
Total loss or permanent total loss of use of left forearm	55%
Total loss or permanent total loss of use right hand	60%
Total loss or permanent total loss of use left hand	50%
Total loss or permanent total loss of use thigh	60%
Total loss or permanent total loss of leg at or below the knee	50%
Total loss or permanent total loss of use of foot	40%
Permanent total loss of sight of the one eye	50%
Permanent total deafness in two ears	50%
Permanent total deafness in one ear	15%
Total loss or permanent total loss of use of thumb on right hand	25%
Total loss or permanent total loss of use of thumb on left hand	20%
Total loss or permanent total loss of use of index finger on right hand	20%
Total loss or permanent total loss of use of index finger on left hand	15%
Total loss or permanent total loss of use of middle finger on right hand	12%
Total loss or permanent total loss of use of middle finger on left hand	10%
Total loss or permanent total loss of use of third(ring) finger on right hand	10%
Total loss or permanent total loss of use of third(ring) finger on left hand	8%
Total loss or permanent total loss of use of little finger on right hand	8%
Total loss or permanent total loss of use of little finger on left hand	6%
Total loss or permanent total loss of use of big toe	5%
Total loss or permanent total loss of use of any other toe	3%

 

Exception:

• Consequent on war, invasion or civil war;
• Directly or indirectly consequent on the Assured engaging air travel, except as a passenger in any properly licensed conventional aircraft being operated by licensed airline accordance with published Schedules of flights or time tables or in a properly licensed multi-engine aircraft being operated by any licensed Air Line.
• Resulting from suicide or attempted suicide or intentional self-injury or venereal disease. or from deliberate exposure to exceptional danger (except in an attempt to save human life), or from the Assureds’ own criminal act, or sustained whilst the Assured is in a state of insanity.
• Big game or other forms of hunting, polo, steeple chasing, motor cycling (whether as driver or passenger) mountaineering winter sports (on snow or ice) racing of any kind (except athletics) or the use of a circular saw or wood working machinery.

 

PEOPLE’S PERSONAL ACCIDENT (PPA) POLICY

 

Product Summary	Total Premium (incl. VAT, tax)
Premium	BDT 69
Coverage Type: Comprehensive Death (within 6 calendar months of injury) Total permanent loss of sight of both eyes/total permanent loss of both hands/both feet/one eye and one limb/one hand and one foot, (within 6 calendar months of injury) Total permanent loss of sight of one eyes/total permanent loss of one hand/one foot, (within 6 calendar months of injury) Permanent total and absolute disablement caused by injury (within 12 calendar months of injury)	Capital Sum Insured BDT 100,000/= Capital Sum Insured BDT 100,000/= 50% of Capital Sum Insured BDT 50,000/= Capital Sum Insured BDT 100,000/=

Sum insured: 

BDT 100,000 Per Year

Waiting Period:

Nil

Required Documents:

• Proposal form Duly filled-in and signed by the Insured
• Copy of owner NID & Contact number
• Nominee NID  & Contact number

Age Limit:

16 – 65 Years

Requirements for Claim:

• Claim Intimation Letter
• “Claim Form” duly completed in all respects and signed with seal by you and the attending Doctor/Physician
• Doctor’s Certificate on the injury/Disablement
• Fitness Certificate
• Original Hospital Bill/Doctor’s Prescription/Original Medicine Bill with supporting papers/documents
• Original Discharge Certificate
• Copy of official ID duly attested
• Copy of Joining Report

  Requirements for Claim: In case of Death:

• Claim Intimation Letter
• “Claim Form” duly completed in all respects and signed with seal
• Copy of National ID of the Deceased Person
• Copy of Official ID of the Deceased Person
• Detailed description of the accident
• Original Death Certificate/Post Mortem Report from the Hospital
• showing the cause of death
• Succession Certificate in original from the District Judge Court
• General Diary with original seal of the Police Station
• Police Report on the incident

N.B: May require other documents depends on Cause & Nature of Loss/Damage of Claim.

Health Insurance
 

1. SHUROKKHA ALLROUNDER

Product Summary		Net Premium		VAT	Total Price
Premium		BDT 290		BDT 44	BDT 334
Coverage Type (Yearly)		Coverage Amount (Up to BDT)
Hospitalization/IPD (Disability, Hospitalization, Surgery)		BDT 20,000
Outpatient/OPD Coverage                                              BDT 2,000
OPD Coverage slab is given below
Doctor Consultation fees	800
Diagnostic	800
Medicine	400
Total OPD coverage	2,000

Waiting Period:

30 days for IPD & OPD both

Required Documents:

• Proposal form Duly filled-in and signed by the Insured
• Copy of owner NID
• Owner Contact number

Requirements for Claim:

Hospitalization Benefit Claims (Scanned images or clear photographs):

• Claim form duly filled-in and signed by the insured
• Doctor’s advice/prescription for hospital admission
• NID/Passport of the Covered Person
• Discharge certificate from the hospital
• Diagnostic test reports
• Hospital bill/ticket
• Treatment Sheet
• Any other supporting documents which may be required

Outpatient Benefit Claims (Doctor Consultation/Diagnostic Test/Medicine)

• Claim form duly filled-in and signed by the insured
• Doctor Consultation
• Doctor’s prescription/Investigation report with doctor’s Name, Designation, Seal and signature
• NID/Passport of the Covered Person
• Diagnostic Test
• Doctor’s Prescription/Doctor’s recommendation for the test
• Test reports (where Test Report date & Test Centre Name are clearly mentioned

 

Notes:

-  All the bills, prescription and required documents should have the insured person’s name written clearly and the date should be mentioned properly.

May require other documents depends on Cause & Nature of Loss/Damage of Claim

 

Terms & Limitations:

• 1-year coverage duration from the date of registration
• Coverage is for 1 Bangladeshi adult person with good health conditions
• Age limit - 18 to 65 Years
• MBBS or above qualified doctor’s recommendation required for hospitalization
• Hospital must be registered with the government authority
• Outpatient services must be prescribed by MBBS doctor
• Minimum 24 hours stay is required for hospitalization claim
• Claims must be submitted within 15 days of treatment/discharge

 

Exclusions – IPD/Hospitalization:

No benefit shall be paid under this policy for expenses or losses resulting from or incurred in connection with or in consequence of the followings:

• any congenital infirmity
• any pre-existing Condition
• mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
• prophylactic and immunization procedures
• any procedure which is experimental or not generally accepted by the medical profession (i.e.; acupuncture)
• Any cosmetic or plastic treatment/surgery unless required as reconstructive surgery as a consequence of an injury due to accidents or burns.
• Rest, convalescence or rejuvenation cures, thermal baths or confinement for the purposes of slimming or beautification.
• Family planning purposes including termination of pregnancy during the first twelve weeks from the date conception, sterility
• Willful abortion or any complication and/or sequel there from.
• 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.
• Routine examination of eye and ear, fitting or replacement of eyeglasses (including Contract lenses) or hearing aids.
• Routine physical examinations (health check-ups), radiotherapy (X-ray, radium or radioactive isotopes treatment), chemotherapy or any form of treatment when not incidental or necessary to the treatment of the injury/illness which caused the hospitalization
• Any types of dental & optical treatment
• Injury arising due to accident while participating in any unlawful activities (e.g. driving a car without a license)
• Non-surgical care for tuberculosis
• Injury or disease directly or indirectly attributed to or civil commotion
• Circumcision
• Injury, destruction or damage caused by nuclear fission, nuclear fusion or irradiation
• AIDS and HIV related diseased.
• Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
• Diagnostic tests conducted without recommendation from a MBBS doctor
• Pre-existing (if diagnosed before the enrollment) conditions requiring surgery
• for which surgery was done after the enrollment.
• Pre-existing covid-19 not covered
• Other pre-existing cases like problems arising from narcotics abuse, self- harm, or unlawful activities.
• Hospice and end of life care
• Maternity related claim will be not cover for the both segment(IPD&OPD).
• The waiting period is applicable for each coverage – 30 days from the date of purchase
• Health Toiletries (e.g., anti-lice shampoo)
• Drinks (e.g., energy builders)
• Meal for attendant
• Any prescription/diagnostic test/medicine prescribed by MBBS/General Practitioner doctor of any telemedicine platform will not be covered except Specialist doctor’s prescription and recommendation

 

Exclusions – OPD/Out Patient:

• Family planning.
• Eye & dental related issue.
• Beautification & skin related issue
• Maternity related issue
• Consultation by Village doctor
• Consultation by Quack Doctor
• Routine check-up
• Congenital
• Ayurvedic, Unani & homeopathy Doctor/Physician
• Covid-19
• Self-recommended Diagnostic Test
• Routine physical examinations (health check-ups)
• Any prescription/diagnostic test/medicine prescribed by MBBS/General Practitioner doctor of any telemedicine platform will not be covered except Specialist doctor’s prescription and recommendation

 

2. GREEN DELTA PROTISRUTI

 

Product Summary	Net Premium	VAT	Total Price
Premium	BDT 165	BDT 25	BDT190
Coverage Type (Yearly)	Coverage Amount (Up to BDT)
Hospitalization/IPD (Accident /Disease/ Surgery)	BDT 20,000
Outpatient/OPD Coverage	BDT 2,000

 

Benefits:

Hospitalization: Per Day BDT 2,500 (Maximum 5 Days in a row will be a single confinement/incident)

• Out Patient/OPD:
• Doctor Consultation – BDT 800
• Diagnostic – BDT 800
• Medicine – BDT 400

Waiting Period:

15 days for IPD & OPD both

Required Documents:

• Proposal form Duly filled-in and signed by the Insured
• Copy of owner NID
• Owner Contact number

Age Limit:

18 – 65 Years

Requirements for Claim:

Hospitalization Benefit Claims (Scanned images or clear photographs):

• Doctor’s advice/prescription for hospital admission
• NID/Passport of the Covered Person
• Doctor’s Consultancy fee
• Discharge certificate from the hospital
• Diagnostic test reports
• Hospital bill/ticket
• Treatment Sheet during hospitalization
• Any other documents that may be required from time to time by Insurance Providers in order to process Cash claims
  

Outpatient Benefit Claims (Doctor Consultation/Diagnostic Test/Medicine):

• Claim form duly filled-in and signed by the insured
• Doctor Consultation fee
• Doctor’s prescription with doctor’s Name, Designation, Seal and signature are clearly mentioned
• NID/Passport of the Covered Person
• Member’s chief complaints or causes should be mentioned in the prescription.
• Any other documents that may be required from time to time by Insurance Providers in order to process Cash claims
• Only government approved MBBS certified doctor

 

Notes:

-  All the bills, prescription and required documents should have the insured person’s name written clearly and the date should be mentioned properly.

May require other documents depends on Cause & Nature of Loss/Damage of Claim

Terms & Limitations:

• 1-year coverage duration from the date of registration
• Coverage is for 1 Bangladeshi adult person with good health conditions
• Age limit - 18 to 65 Years
• MBBS or above qualified doctor’s recommendation required for hospitalization
• Hospital must be registered with the government authority
• Outpatient services must be prescribed by MBBS doctor
• Minimum 24 hours stay is required for hospitalization claim
• Claims must be submitted within 15 days of treatment/discharge

 

Exclusions – IPD/Hospitalization:

No benefit shall be paid under this policy for expenses or losses resulting from or incurred in connection with or in consequence of the followings:

• any congenital infirmity
• any pre-existing Condition
• mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
• prophylactic and immunization procedures
• any procedure which is experimental or not generally accepted by the medical profession (i.e.; acupuncture)
• Any cosmetic or plastic treatment/surgery unless required as reconstructive surgery as a consequence of an injury due to accidents or burns.
• Rest, convalescence or rejuvenation cures, thermal baths or confinement for the purposes of slimming or beautification.
• Family planning purposes including termination of pregnancy during the first twelve weeks from the date conception, sterility
• Willful abortion or any complication and/or sequel there from.
• 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.
• Routine examination of eye and ear, fitting or replacement of eyeglasses (including Contract lenses) or hearing aids.
• Routine physical examinations (health check-ups), radiotherapy (X-ray, radium or radioactive isotopes treatment), chemotherapy or any form of treatment when not incidental or necessary to the treatment of the injury/illness which caused the hospitalization
• Any types of dental & optical treatment
• Injury arising due to accident while participating in any unlawful activities (e.g. driving a car without a license)
• Non-surgical care for tuberculosis
• Injury or disease directly or indirectly attributed to or civil commotion
• Circumcision
• Injury, destruction or damage caused by nuclear fission, nuclear fusion or irradiation
• AIDS and HIV related diseased.
• Treatment or advice by a person or professional not registered under BMDC
• (Bangladesh Medical & Dental Council)
• Diagnostic tests conducted without recommendation from a MBBS doctor
• Pre-existing (if diagnosed before the enrollment) conditions requiring surgery - for which surgery was done after the enrollment.
• Pre-existing covid-19 not covered
• Other pre-existing cases like problems arising from narcotics abuse, self-harm, or unlawful activities.
• Hospice and end of life care
• Maternity related claim will be not cover for the both segment(IPD&OPD).
• The waiting period is applicable for each coverage – 30 days from the date of purchase
• Drinks (e.g., energy builders)
• Meal for attendant

Exclusions – OPD/Out Patient:

No benefit shall be paid under any Package for OPD expenses connected to the following:

• Family planning.
• Eye & dental related issue.
• Beautification & skin related issue
• Maternity related issue
• Consultation by Village doctor
• Consultation by Quack Doctor
• Routine check-up
• Congenital
• Ayurvedic, Unani & homeopathy Doctor/Physician
• Covid-19
• Self-recommended Diagnostic Test
• Routine physical examinations (health check-ups)
• Any prescription/diagnostic test/medicine prescribed by MBBS/General Practitioner doctor of any telemedicine platform will not be covered except Specialist doctor’s prescription and recommendation

 

Overseas Mediclaim Insurance Specification

 

Product Summary	Net Premium	VAT + Stamp	Total Price
Premium	To be calculated by the insurer depending on country, age, number of days	VAT 15% + Stamp as per Govt. rule	---

 

Coverage Type	Coverage Amount (Up to BDT)
Medical Expenses & Hospitalization abroad	US$ 50,000 Excess USD 100 (Worldwide Excluding USA & Canada)
Medical Expenses & Hospitalization abroad	US$ 100,000 Excess USD 100 (Worldwide including USA & Canada)
Medical Expenses & Hospitalization abroad (Schengen Countries)	EURO 30,000 with No deductible
Transport or Repatriation in case of illness or Accident	Actual Expenses
Emergency Dental Care	US$ 500, Excess US$ 50
Repatriation of Family Medical Travelling with the insured	Actual Expenses
Repatriation of mortal remains	Actual Expenses
Travel of one Immediate family member	US$ 100 per day, Maximum US$ 1,000
Emergency return home following death of a close family member	Actual Expenses

Waiting Period:

Nil

Required Documents:

• Proposal form Duly filled-in and signed by the Insured
• Copy of passport
• Contact number

Age Limit:

0.5 – 79 Years

Requirements for Claim:

Fully depends on Settling Agent

NOTE: THE COMPANY WILL NOT BE LIABILE TO PROVIDE ANY ASSISTANCE WHICH ARISES DIRECTLY OR INDIRECTLY FROM ANY PRE—EXISTING MEDICAL CONDITION, SUICIDE OR ATTEMTED SUICIDE, MENTAL ILLNESS, PREGNANCY OR CHILDBIRTH

WHAT TO DO IN THE CASE OF A MEDICAL EMERGENCY

In the event of Illness or Accident which may lead to Hospital treatment or Curtailment of your trip, Please Contact:

Crisis 24

2 London Bridge, London
SE19RA, UK.
Tel: +44 207 902 7131(opsassist)
E-mail: [email protected]
[email protected]

 

FAQ