Coverage for treatment of Accidental Injuries
0 days waiting period.
It provides predefined benefits against different types of accidental injuries. Please see the Description section to find out more about this benefit.
Lump sum benefit paid to the legal nominee if the Insured Person dies due to an accident.
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.
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.
Coverage Breakdown for Accidental Injury based on the type of injury:
- Head Injury: BDT. 50,000
- Chest Injury, Internal Injury: BDT. 25,000
- Fracture, Dislocation, Amputation: BDT. 15,000
- Cut injury, Abrasions, Soft tissue injury: BDT. 5,000
*Multiple claims can be raised during the coverage period until the total coverage of BDT. 50,000 is over.
- No waiting period for claims against Accidental Injuries/Accidental Death
If any one person or individual subscribes multiple times to this insurance policy or any other similar policy provided by the Insurance Company then only one claim shall be accepted against a single illness or injury. Multiple claims under different subscriptions against a single illness or injury shall not be accepted.
- Any pre-existing conditions are not covered.
- Any injuries/deaths due to unlawful activities are not covered.
- Death due to HIV/AIDS is not covered.
- Insurance coverage shall be applicable for accidents/incidents occurring within the territory of Bangladesh only.