Health Bima/Health Insurance

Health Bima

Care better with health insurance solutions from bimafy.com

What is Health Bima?

Health Bima is a digital insurance subscription package by bimafy.com, the country's first online insurance marketplace. It provides health insurance coverage for Hospitalization, COVID-19, Critical Illnesses, Doctor Visits and Diagnostic Tests.

What is health bima/insurance?
insurance coverage

How does the insurance coverage start?

A Health Bima package is valid for 1 year from the date of purchase/registration and the insurance coverages shall activate at the end of the waiting periods (i.e.; 15 days for hospitalization, Doctor Visit, Tests, and COVID-19, 45 days for Critical Illness, 180 days for maternity etc.).

What are my coverage options?

Health Bima packages are designed to reduce your burden of healthcare financing. There are three Health Bima packages:

Health Bima Basic
Health Bima Classic
Health Bima Pro
Health Bima Basic

Health Bima (Basic)

Price: BDT 499 (1 person 1 year)

Insurance Coverage:

  • - Up to BDT. 20,000 yearly coverage for 1 person
  • - BDT. 15,000 Hospitalization Cashback (BDT. 1,000 per night, up to 15 nights per year)
  • - BDT. 5,000 COVID-19 Benefit (BDT. 2,500 per claim, up to 2 times in a year)
Health Insurance

Terms:

  1. 1-year coverage duration from the date of registration/purchase
  2. For 1 Bangladeshi adult person only
  3. Age limit - 18 to 64 completed years at the time of registration/purchase
terms and conditions

Conditions:

  1. 15 days waiting period for COVID-19 and sickness related hospitalization claims, no waiting period for hospitalization due to accidents
  2. 180 days waiting period for any hospitalization claim related to maternity
  3. MBBS or above qualified doctor’s recommendation required for hospitalization
  4. Hospital must be registered with the government authority
  5. Claims must be submitted within 45 days of treatment/discharge
* To get health bima (basic) coverage visit https://bimafy.com/health-insurance/health-bima-basic
health bima classic

Health Bima (Classic)

Price: BDT 899 (1 person 1 year)

Insurance Coverage:

  • - Up to BDT. 36,000 yearly coverage for 1 person
  • - BDT. 30,000 Hospitalization Cashback (BDT. 2,000 per night, up to 15 nights per year)
  • - BDT. 5,000 COVID-19 Benefit (BDT. 2,500 per claim, up to 2 times in a year)
  • - BDT. 1,000 Outpatient Benefit (BDT. 500 per Doctor Consultation/Diagnostic Test or Daycare Treatment, up to 2 times in a year)
health insurance

Terms:

  1. 1-year coverage duration from the date of registration/purchase
  2. For 1 Bangladeshi adult person only
  3. Age limit - 18 to 64 completed years at the time of registration/purchase
terms and conditions

Conditions:

  1. 15 days waiting period for COVID-19, outpatient, and sickness related hospitalization claims, no waiting period for hospitalization or outpatient treatment due to accidents
  2. 180 days waiting period for any hospitalization claim related to maternity
  3. MBBS or above qualified doctor’s recommendation required for hospitalization
  4. Hospital must be registered with the government authority
  5. Outpatient services must be conducted under MBBS or above qualified doctor
  6. Claims must be submitted within 45 days of treatment/discharge
* To get health bima (classic) coverage visit https://bimafy.com/health-insurance/health-bima-classic
health bima pro

Health Bima (Pro)

Price: BDT 1,499 (1 person 1 year)

Insurance Coverage:

  • - Up to BDT. 102,000 yearly coverage for 1 person
  • - BDT. 45,000 Hospitalization Cashback (BDT. 3,000 per night, up to 15 nights per year)
  • - BDT. 45,000 Critical Illness Benefit for 18 dread diseases (single time lump sum)
  • - BDT. 10,000 COVID-19 Benefit (BDT. 5,000 per claim, up to 2 times in a year)
  • - BDT. 2,000 Outpatient Benefit (BDT. 500 per Doctor Consultation/Diagnostic Test or Daycare Treatment, up to 4 times in a year, maximum BDT. 1,000 benefit in a calendar month)
health insurance

Critical Illnesses Coverage (8 dread diseases):

  1. Cancer
  2. Heart Attack (Myocardial Infarction)
  3. Stroke
  4. Coronary Artery (Bypass) Surgery
  5. Kidney Failure (End Stage Renal Disease)
  6. Major Organ Transplantation
  7. Paralysis
  8. Multiple Sclerosis

Terms:

  1. 1-year coverage duration from the date of registration/purchase
  2. For 1 Bangladeshi adult person only
  3. Age limit - 18 to 64 completed years at the time of registration/purchase

Conditions:

  1. 15 days waiting period for COVID-19, outpatient, and sickness related hospitalization claims
  2. 45 days waiting period for Critical Illness related claims
  3. 180 days waiting period for any hospitalization claim related to maternity
  4. MBBS or above qualified doctor’s recommendation required for hospitalization
  5. Hospital must be registered with the government authority
  6. Outpatient services must be conducted under MBBS or above qualified doctor
  7. Claims must be submitted within 45 days of treatment/discharge
* To get health bima (pro) coverage visit https://bimafy.com/health-insurance/health-bima-pro

*All insurance coverages are subject to standard terms and conditions.

For detailed terms regarding specific packages, please visit our website https://bimafy.com or call us at +8809606991991

What is excluded in the coverage?

  • Any congenital infirmity
  • Hospitalization, COVID-19 or any outpatient treatment taken during the waiting period
  • Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
  • Hospitalization due to any type of illegal activities
  • Hospitalization, Diagnostic tests or any treatment conducted without recommendation from a MBBS doctor
  • Periodic blood sugar tests, routine examination of urine/stool, IgE (allergen) tests
  • Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homeopathy treatment and any Alternative Medical Care (AMC) etc.
  • Routine examination of eye and ear, fitting or replacement of eyeglasses (including contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), any dental treatment unless require hospitalization for reconstructive surgery as a consequence of an accident or disease.
  • Circumcision, prophylactic, and immunization procedures
  • Non-surgical treatment for tuberculosis, hepatitis B & C
  • Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addictions
  • Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, or burns
  • Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem
  • Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus

What are the limitations in the coverage?

  • Maximum 5 nights’ coverage benefit can be claimed against a single admission to hospital
  • Second claim of COVID-19 can be made after 60 days from the first illness due to COVID-19 for which a claim has been successfully settled
  • In case of multiple claims against a single illness, only the higher benefit shall be payable
  • Any pre-existing conditions shall not be covered under Critical Illness coverage

How can I claim?

In case of claims you can visit https://bimafy.com/claims and provide the required medical documents; you can also email the documents to claims@bimafy.com call us for assistance at: +8809606991991

What are the required documents for claim?

Hospitalization Cashback Claims (Scanned images or clear photographs):

  • Doctor’s advice/prescription for hospital admission
  • NID/Passport of the Covered Person
  • Discharge certificate from the hospital
  • Diagnostic test reports
  • Hospital bill/ticket
  • Any other supporting documents which may be required

COVID-19 Benefit Claims

  • Doctor’s recommendation for COVID-19 test
  • NID/Passport of the Covered Person
  • COVID-19 positive report/SMS from a Government approved hospital, laboratory or diagnostic center, following Government approved test procedure(s) (where test center name, test and report delivery dates, Covered Person’s name are clearly mentioned)
  • Any other supporting documents which may be required

Critical Illness Claims

  • NID/Passport of the Covered Person
  • Doctor’s prescription/investigation report
  • Diagnostic test reports
  • Hospital discharge certificate
  • All other relevant medical documents as applicable

Outpatient Benefit Claims (Doctor Consultation/Diagnostic Test/Daycare Treatment)

  1. Doctor Consultation
    • Doctor’s prescription/Investigation report with doctor’s Name, Designation, Seal and signature
    • NID/Passport of the Covered Person
  2. Diagnostic Test
    • Doctor’s Prescription/Doctor’s recommendation for the test
    • NID/Passport of the Covered Person
    • Test reports (where Test Report date & Test Centre Name are clearly mentioned)
    • Test bill
  3. Daycare Treatment
    • Doctor’s Prescription/Hospital Emergency Ticket
    • NID/Passport of the Covered Person
    • Hospital bill/ticket

Delivery Options

- Confirmation of product activation will be sent to your SMS or email address within 24 working hours

Insurance Product Summary

  • You can buy Health Bima packages to cover yourself or your beloved family members.
  • The coverage will be available for a year from purchase confirmation, and the date shall start from the time you get a confirmation message in your email or phone and upon receiving an order ID on each policy.
  • Please provide the details of the Covered Person (you or your family member) at the website or at our social media platforms providing your (Name, Date of Birth, Mobile Number).
  • You can submit a claim by visiting https://bimafy.com/claims
  • You will receive the claim benefits as prescribed with each policy.
  • Standard insurance terms and conditions shall apply, for detail terms, visit - https://bimafy.com/terms-of-service
Contact us for any inconvenience:

Call us at: +8809606991991

Corporate Queries at +8801892090020

Send us an email at: cs@bimafy.com

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