• Plan Name
    Biker Bima
  • Coverage
    BDT. 50,000
  • Insurance Provider
    Chartered Life Insurance

Biker Bima


Chartered Life Insurance
Chartered Life Insurance

COVERAGE
BDT. 50,000

Fixed benefit against accidental injuries
0 days waiting period.


Coverage for pre-existing conditions/illnesses


  • A Pre-existing condition is an illness or injury that you already have or have been diagnosed with before starting a new health insurance policy. Conditions or illnesses like diabetes, hypertension, chronic obstructive pulmonary disease (COPD), asthma, sleep apnea, etc., are some examples of Pre-existing Conditions. Pre-existing Conditions tend to be chronic or long-term and do not go away quickly. Instead, they need long-term and continuous treatment and follow-ups with physicians.
  • Typically, health insurance plans do not cover Pre-existing Conditions before a certain waiting period ranging from 6 months to 4 years. Some health insurance plans cover some specific pre-existing conditions after an extended waiting period, typically after 2-3 years of continuous coverage. On the other hand, some plans do not cover pre-existing conditions. Please check the plan features before getting a policy if you already have pre-existing conditions.

It would be wise to renew your health insurance policy every year to get coverage against Pre-existing Conditions.



The period after taking an insurance policy during which you cannot make any claim


  • Most health insurance plans have a waiting period for illness-related treatments during which you cannot make any claims, while accident-related treatments are typically covered from day 1.
  • Usually, the waiting period applies only in the first year of policy and does not apply if you renew your policy every year.
  • Some health insurance plans have extended waiting periods for pre-existing conditions or some specific illnesses.
  • The lower the waiting period, the better since you can get coverage against your diseases sooner.


Refund of premium if there is no claim during the policy period


  • Usually, health insurance plans are not investment-linked insurance products and do not provide any maturity benefit at expiration or surrender value. Instead, some policies offer a No Claim Bonus (NCB) option through which your renewal premium is reduced or coverage increases if there is no claim during the previous year.



Coverage duration: 1 year from the date of purchase

For any Bangladeshi citizen aged between 18 and 65 years.

BENEFIT DETAILS
Up to BDT. 50,000 Accidental Hospitalization (including day-care/OPD treatment) coverage against injuries due to road traffic accidents as per the following:
  • Severe head injury: BDT. 50,000
  • Chest injury, Internal injury: BDT. 25,000
  • Fracture, dislocation, amputation of a limb (or part of a limb), 2nd/3rd-degree burn: BDT. 15,00
  • Soft tissue injury, cut injury, multiple abrasions, 1st-degree burn: BDT. 2,500
*Multiple claims can be raised during the coverage period until the total coverage of BDT. 50,000 is over

EXCLUSIONS:
  • Any pre-existing conditions.
  • Any mental, emotional, and psychiatric disorders.
  • Any condition/accident due to consuming addictive substances.
  • Any accident due to performing any illegal activity (i.e., driving without a valid license, participating in competitions/races/stunts, etc.)
  • 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;
  • Suicide while sane or insane;
*Please read the policy wording document for detailed terms and conditions of this insurance policy.

Policy Wording File

Download - biker-bima-policy-wording633434e2512ff.pdf

Claims must be submitted within 30 (thirty) days from the date of the accident.

If you face an accident and get injured, please go to the nearest hospital or registered doctor's chamber for treatment. Please collect and preserve all medical documents and bills to submit the claim. A list of required claim documents is provided below:

Required Documents for Accidental Injury claim:

  • Copy of NID and Valid Driving License of the Insured Person
  • Doctor’s Prescription/Advice for hospitalization (in applicable cases)
  • Discharge Certificate (in applicable cases)
  • All Bills from hospital/clinic/doctor's chamber
  • All medical reports such as X-Ray, City Scan, MRI, or such relevant reports
  • Any other supporting documents (if required)

Please submit your claim using the Bimafy Mobile App or Website. Alternatively, you can submit your claim via email to: claims@bimafy.com by mentioning your full name and registered mobile phone number on the subject.

Provide clear scanned copies of your treatment-related documents while submitting the claim.

If the Insured Person is not alive and the Nominee needs to submit the claim then he/she should contact Bimafy Customer Service for assistance.


What is an Accident Insurance?

Accident insurance is a type of insurance where the policyholder or insured person is paid directly in the event of an accident resulting in an injury to the insured person. The insured can spend the benefit payment however they choose. While accidents and their causes vary wildly, the general definition of an accident is an unfortunate incident that happens unexpectedly and unintentionally, typically resulting in an injury.

Why should I have an Accident Insurance policy?

Everyone should have a personal Accident Insurance policy because we never know when an accident may occur. Every day we live through some uncertain risks that may affect us negatively, such as road traffic accidents, workplace injuries, and even accidents within our homes while performing our regular life. So, it is always wise to have an accident insurance policy that pays compensation in case of accidental injuries. Moreover, Accident Insurance policies are affordable in terms of price and provide excellent coverage against accident-related mishaps.

What are the types of Accident Insurance?

Generally, there are two types of Accident Insurance available in Bangladesh. One pays benefits against temporary disablement or injuries due to an accident, and the other pays benefits against permanent disabilities due to an accident. Accident Insurance may sometimes compensate the nominee if the insured person dies due to an accident. Please check the policy details before purchasing Accident Insurance for yourself or your loved ones.

Which Accident Insurance policies can I get at Bimafy?

Bimafy offers all types of Accident Insurance to customers. Biker Bima for motorcycle users is the most famous accident insurance policy, which pays fixed benefits against injuries due to road traffic accidents. The Peoples Persona Accident (PPA) policy is another very affordable accident insurance policy that pays benefits against accidental death and permanent disabilities.