Lump sum benefit paid to the legal nominee if the Insured Person dies due to an accident.
0 days waiting period.
Lump-sum benefit for Permanent Total Disability of the Insured Person
Lump-sum benefit for Permanent Partial Disability (PPD) of the Insured Person
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.
Usually, health insurance plans do not cover Pre-existing Conditions before a certain waiting period ranging from 6 months to 4 years. 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 policy issuance
For any Bangladeshi Citizen aged between 16 and 65 years
|Coverage||Benefit Amount (BDT)|
|Death (within 6 calendar months of accidental injury)||100,000.00 (Capital Sum Insured)|
|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 accidental injury)||100,000.00 (Capital Sum Insured)|
|Total permanent loss of sight of one eye/total permanent loss of one hand/one foot (within 6 calendar months of accidental injury)||50,000.00 (50% of Capital Sum Insured)|
|Permanent total and absolute disablement caused by accidental injury (within 12 calendar months of injury)||100,000.00 (Capital Sum Insured)|