Product Name: Biker Bima

Policy Duration: 1 Year

Premium: BDT. 299

Product Summary

This subscription package provides insurance coverage to the Registered Members of Biker Bima against Accidental Hospitalization (including day-care treatment), and COVID-19.

Coverage Type Coverage Amount Waiting Period
Accidental Hospitalization (including day-care treatment) Up to BDT. 50,000* None
COVID-19 BDT. 5,000 14 days

Accidental Hospitalization (including day-care treatment) benefit shall be applicable as per the following:

Types of Accidental Injuries Coverage Amount
Head Injury 100% (BDT. 50,000)
Chest Injury, Internal Injury 50% (BDT. 25,000)
Fracture, Dislocation, Dismemberment, Amputation 30% (BDT. 15,000)
Abrasions, Soft Tissue Injury, Cut Injury etc. 5% (BDT. 2,500)

Any Bangladeshi citizen, aged 18 years or above at the time of purchase.

This Terms and Conditions applies to the digital insurance subscription package which is provided by Flair Technologies Limited under the brand name and its associated web-based insurance claims portal to the Registered Members of Biker Bima (“Biker Bima”). Your access to and use of the subscription package and any technology infrastructure or any part thereof related to the insurance coverage service are governed by these Terms and Conditions (“Terms”). Please read these Terms carefully before purchasing and using the service.

Flair Technologies Limited (“We”, “Us”, “Our”) shall also be referred to as or for the purpose of this Terms and any future references as made available for the Registered Members of Biker Bima. By accessing or using our service, you agree to be bound by these Terms and to use our service in accordance with the terms and conditions herein stipulated. These Terms, together with the Privacy Statement (included on our website constitute the entire agreement between you and Flair Technologies Limited regarding our service. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity and its affiliates to these Terms. If you do not agree to these Terms, you may not use the service.

If we need to change these Terms, we will post the revised Terms through our Service and update the “Last Revised” date to reflect the date of the changes either by SMS, email, by posting a notice on the website or by any other means of written communication. You are responsible for being aware of any changes made to these Terms. By continuing to use our Service after we post such changes, you agree to the Terms, as modified.


This digital insurance subscription package provides insurance coverage to the Registered Members of “Biker Bima” (the Service) against Accidental Hospitalization, and COVID-19 and an online claims portal for submission of all relevant insurance claims. Upon occurrence of an event covered under this service in relation to a Registered Member shall entitle insurance benefits and other associated services to the beneficiary as mentioned on this document.


“Registered Member” means the person who has purchased the digital insurance subscription package "Biker Bima" from or any of its affiliated distribution partners.

“Covered Person” means the person who has been registered or enrolled under this service of insurance coverage solution. Covered Person shall also mean the Registered Member of Biker Bima.

“Accident” means a sudden, unforeseen, and involuntary event caused by external, visible and violent means.

“Accidental Injury” means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent, visible, and evident means, which is verified and certified by a certified medical practitioner.

“Accidental Hospitalization” means hospitalization due to an Accidental Injury.

“COVID-19” means respiratory infection due to the novel Coronavirus (SARS-CoV-2).

“Insurance Partners” means third party insurance companies with applicable registrations and licenses from the relevant authority who are independent contractors and not or Flair Technologies Limited.


An Accidental Hospitalization (including day-care treatment), and Medical Condition (COVID-19) coverage will be applicable for the Registered Members who have purchased digital subscription packages from online insurance marketplace and are customers of Flair Technologies, and shall be the insured under this Group Insurance project. These Registered Members shall get the insurance coverage for the particular duration with a valid subscription package purchased from the online insurance marketplace. The following eligibility conditions shall be applicable:

  • Covered Person must be a Bangladeshi citizen aged above 18 at the time of purchase/registration.

Covered Person must provide the following documents/information at the time of purchase/registration:

  1. Name and Date of Birth
  2. Mobile phone number


  • Insurance coverage period for Accidental Hospitalization (including day-care treatment) and COVID-19 shall be 1 (one) year from the date of registration
  • Insurance coverage for Accidental Hospitalization (including day-care treatment) shall be applicable only if the Covered Person gets treated in a hospital due to an Accidental Injury within the coverage period (i.e., 1 year from the date of registration).
  • Insurance coverage for COVID-19 shall be applicable only if the Covered Person gets infected by the novel Coronavirus (SARS-Cov-2) within the coverage period (i.e., 1 year from the date of registration). The Covered Person must conduct RT-PCR Test with a valid reference from an MBBS doctor to become eligible for the insurance benefit.

    • Accidental Hospitalization (including day-care treatment) Coverage

    Up to BDT. 50,000 as Accidental Hospitalization (including day-care treatment) coverage in case of eligible injuries resulted from road-traffic Accidents as per the following:

    Types of Accidental Injuries Description of Disabilities due to Accident Coverage Amount
    Head Injury Severe collision impacts can cause a closed head injury. In that situation, the fluid and tissue inside the skull are damaged because of the sudden movement or impact of the head. Less severe closed head injuries often result in concussions, while the most severe impacts can cause brain damage. Major types of head injuries include Hematoma, Hemorrhage, Concussion, Edema, Skull fracture, Diffuse axonal injury etc. 100% (BDT. 50,000)
    Chest Injury, Internal Injury These injuries can be more severe such as broken ribs or internal injuries such as internal bleedings. Blunt trauma occurs when a part of the body collides with something else, particularly at high speed or with great force. When this happens, blood vessels inside the body can be crushed or torn. Penetrating trauma occurs when an object penetrates the body and tears holes in blood vessels, muscle and internal organs. This can happen when someone falls onto a sharp object, as in workplace accidents, or when objects collide with and penetrate the body in motor vehicle accidents. 50% (BDT. 25,000)
    Fracture, Dislocation, Dismemberment, Amputation, 2nd Degree Burn, 3rd Degree Burn A fracture is a break, usually in a bone. If the broken bone punctures the skin, it is called an open or compound fracture. A dislocation is an injury to a joint — a place where two or more bones come together — in which the ends of the bones are forced from their normal positions. Dismemberment or amputation is a cut off or disjoin of a limb or a part of a limb. Second-degree burns involve the epidermis and part of the lower layer of skin, the dermis. The burn site looks red, blistered, and may be swollen and painful. Third-degree (full thickness) burns destroy the epidermis and dermis. They may go into the innermost layer of skin, the subcutaneous tissue. The burn site may look white or blackened and charred. 30% (BDT. 15,000)
    Abrasions, Soft Tissue Injury, Cut Injury, 1st Degree Burn Cuts and scratches are areas of damage on the surface of the skin. A cut is a line of damage that can go through the skin and into the muscle tissues below, whereas a scrape is surface damage that does not penetrate the lower tissues. A soft tissue injury is damage to the body’s connective tissue, which means muscles, ligaments and tendons. An abrasion or "excoriation" is a wearing away of the upper layer of skin as a result of applied friction force. First-degree burns affect only the outer layer of skin, the epidermis. 5% (BDT. 2,500)

    COVID-19 Coverage

    BDT. 5,000 as COVID-19 coverage in case of eligible respiratory infection due to the Coronavirus.


    Claims for Accidental Hospitalization (including day-care treatment) can be made multiple times until the total limit of BDT. 50,000 is over.


    An initial waiting period of 14 days shall be applicable for any claims due to COVID-19, meaning that the Registered Member cannot get any benefit for COVID-19 infection within the 14 days from the date of purchase of Biker Bima.


    The following exclusions and limitations shall be applicable for the Insurance Coverage:

    1. Any pre-existing conditions shall not be covered.
    2. Any injuries/death due to any unlawful activities shall not be covered (i.e., riding a bike without a valid driving license).
    3. Insurance coverage shall be applicable for accidents/incidents occurring within the territory of Bangladesh only.


    The applicable insurance coverage and related benefits are provided by third-party Insurance Partners (Alpha Islami Life Insurance Limited or Chartered Life Insurance Company Limited) who are independent contractors and not Flair Technologies Limited. All insurance claims are subject to verification of such Insurance Partners and are subject to decision of such third-party Insurance Partners.


    BDT. 299 only per Covered Person per year, paid on purchase of Biker Bima.


    Insurance claims can be raised using the dedicated claims portal as provided by on the following hyperlink by filling up the online claims form and by attaching relevant claims documents (scanned images/clear photographs).

    • All claims must be submitted with all required documents within 30 (thirty) days of the covered event i.e., Accidental Hospitalization (including day-care treatment) or COVID-19 identification.
    • All claims are subject to verification by Insurance Partner and Insurance Partner reserves the right to reject any claim if it is deemed invalid/inappropriate or not applicable under insurance coverage.
    • Successful claims for insurance coverage shall be settled in favor of the appropriate beneficiary via mobile financial system (bKash/Rocket etc.) within ten (10) working days after receiving all necessary documents from the Covered Person or legal nominee of the Covered Person (in applicable cases).


    For Accidental Hospitalization (including day-care treatment)

    1. NID and Valid Driving License of the Covered Person
    2. Doctor’s Advice for hospitalization (in applicable cases)
    3. Discharge Certificate (in applicable cases)
    4. Hospital Bills
    5. All medical reports such as X-Ray, City Scan, MRI or such relevant reports
    6. Any other supporting documents (if required)

    For COVID-19

    1. Doctor’s advice for COVID-19 Test (RT-PCR Test)
    2. COVID-19 (RT-PCR) test report stating “Positive” results following government approved guidelines
    3. Diagnostic test bill