• Plan Name
    People's Personal Accident
  • Coverage
  • Insurance Provider
    Green Delta Insurance

People's Personal Accident

Green Delta Insurance
Green Delta Insurance


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

CoverageBenefit 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)

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's Personal Accident (PPA) policy is another very affordable accident insurance policy that pays benefits against accidental death and permanent disabilities.