Waiting Periods:

• Hospitalization: 30 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• Out-Patient (OPD) Service: 60 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• An extended waiting period of 180 days is applicable for selected ENT, Gynecological, Orthopedic, Gastrointestinal, Urogenital, and other conditions. Please refer to section 4.6, Waiting Period of the Policy Wording, for further details.

Limitations:

• A Medical Practitioner’s recommendation is required for any Hospitalization.
• A minimum of 24 (twenty-four) hours of hospital stay shall require for any Hospitalization claims. No minimum period of Hospitalization is required if such Hospitalization is in connection with a surgical procedure.
• Maximum coverage for Hospitalization coverage shall be for 5 consecutive nights per hospital admission for each Insured Person. Successive Hospitalization within 90 days due to the same or different disability is considered as a single confinement.
• No pre & post Hospitalization expenses shall be covered under IPD.
• Pro Rata Payment of Inpatient/ Outpatient Claim: If any Policyholder is also covered for similar benefits under any other insurance contract, then payment of the claim shall be made on pro-rata basis after taking into account the coverages under all contracts. 
  
• Maximum 5 Doctor Visits shall be covered under Out-Patient Service (OPD) Coverage.
• One person can avail of a maximum aggregated Death Coverage of Five Lac Taka (BDT. 500,000) from Guardian Life Insurance
• One person can avail of a maximum aggregated Hospitalization Coverage of Fifty Thousand Taka (BDT. 50,000) from Guardian Life Insurance
• One person can avail of a maximum aggregated OPD Coverage of Ten Thousand Taka (BDT. 10,000) from Guardian Life Insurance

Exclusions: Death

• Suicide
• HIV/AIDS

Exclusions: Hospitalization/Out-Patient Service (OPD)

• Any treatment during the applicable Waiting Periods
• Pre-existing Conditions
• Congenital Conditions/Congenital infirmity
• Non-Allopathic and Experimental Treatment
• Treatment provided by a medical practitioner who is not recognized by the Bangladesh Medical and Dental Council
• Hospitalization or Injury due to any illegal activities/breach of law
• War, or any act of war, invasion, act of foreign enemy, warlike operations (whether war be declared or not), civil war, usurped act, rebellion, revolution, insurrection, nuclear weapons/materials, chemical and biological weapons and radiation of any kind
• Military Services - Involvement in the naval, military, or air force operations
• A direct consequence of participation by the Policyholder in any flying activity other than on a scheduled commercial airline as a bona fide passenger (whether fare paying or not), pilot, or crew member
• Hazardous Activities - participation or involvement in racing, diving, scuba diving, parachuting, hanggliding, rock or mountain climbing
• Self-Inflicted injuries or attempted suicide
• Substance Misuse and De-addiction
• Rehabilitation and Convalescence
• Cosmetic treatments
• Sleep and obesity treatments
• Hormone Replacement Therapy
• Dental and optical treatments
• Routine eye and ear examinations, cost of spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures, and artificial teeth
• HIV/AIDS
•  Sexually transmitted diseases and other sexual problems
• Circumcision - unless necessary for the treatment of a disease or necessitated by an accident
• Birth Control and Assisted Reproduction/Infertility
• Pregnancy, childbirth, maternity
• Psychological disorders - treatment of mental illness, stress, psychiatric or psychological disorder
• Charges incurred primarily for diagnostic, X-ray, or laboratory examination not consistent with or not incidental to the diagnosis and treatment of positive existence or presence of any Illness or Injury for which inpatient hospitalization is required
• Expenses of Insured Person as Donor, or cost of Donor
• Failure to take Reasonable Medical Care
• Any treatment or part of a treatment that is not of a reasonable and customary charge, not medically necessary, drugs or treatments which are not supported by a prescription
•  Immunization & Nutritional treatment
• Nuclear Reaction - injury, destruction, or damage caused by nuclear fission, nuclear fusion, or irradiation

*Please read the policy wording document for detailed terms and conditions of this insurance policy.

Policy Wording File

1. Online Method: Browse the claim portal (Click Here) from the Easylife/Guardianlife website for online claim submission and then select the claim button with the following information:

• Policy ID/Member ID.
• Insert 6-digit OTP to verify the mobile number (which is given in policy inception time).
• Select the Claim Type.
• Insert the Date of Admission and Discharge.
• Input the amount of the claim as per the contract paper.
• Upload the required documents.
• Place the claim

2. Offline Method: Call the Company’s (Guardian Life) hotline number: 16622, to notify regarding the claim by the Policyholder or his/her nominee. An executive will call back that number and verify some information in line with the online claim request.

Guardian Life Insurance Executive shall then guide the Policyholder/Nominee to send the necessary documents. It can be a soft copy by email/portal upload or a hard copy of required documents by post/courier depending on the claim type.

DOCUMENTS REQUIRED FOR SUBMITTING THE CLAIM

1. For Death Claim: 

• Death Claim Application Form duly fill-up by Nominee/ Guardian of Nominee.
• Bank details and a photocopy of the Nominee/ Guardian of Nominee.
• Copy of Death Certificate from Union Parishad/Paurashava/City Corporation/Cantonment Board/Hospital
• Copy of NID of Policyholder and Nominee/ Guardian of Nominee.
• In case of Accidental Death FIR, Post Mortem Report, Inquest Report, (if post-mortem report is unavailable, Magistrate or Officer In-charge permission to conduct burial without post-mortem)
• Copy of other supporting medical documents (If Applicable)

2. For Hospitalization/Hospicash/IPD/OPD:

• Claim Application Form
• Copy of doctor’s prescription
• Copy of diagnostic reports with X-Ray film (When applicable)
• Original bills/money receipt (Copy/ Scan copy)
• Discharge Certificate from Hospital/Clinic
• Physician‘s written advice/prescription for hospital admission except in case of emergency situation
• Any supporting documents as per merit of the disease /condition

Waiting Periods:

• Hospitalization: 30 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• Out-Patient (OPD) Service: 60 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• Critical Illness: 180 days. Not applicable in case of coverage renewal in subsequent years.
• An extended waiting period of 180 days is applicable for selected ENT, Gynecological, Orthopedic, Gastrointestinal, Urogenital, and other conditions. Please refer to section 4.6, Waiting Period of the Policy Wording, for further details.

Limitations:

• A Medical Practitioner’s recommendation is required for any Hospitalization.
• A minimum of 24 (twenty-four) hours of hospital stay shall require for any Hospitalization claims. No minimum period of Hospitalization is required if such Hospitalization is in connection with a surgical procedure.
• Maximum coverage for Hospitalization coverage shall be for 5 consecutive nights per hospital admission for each Insured Person. Successive Hospitalization within 90 days due to the same or different disability is considered as a single confinement.
• No pre & post Hospitalization expenses shall be covered under IPD.
• Pro Rata Payment of Inpatient/ Outpatient Claim: If any Policyholder is also covered for similar benefits under any other insurance contract, then payment of the claim shall be made on pro-rata basis after taking into account the coverages under all contracts. 
• Maximum 5 Doctor Visits shall be covered under Out-Patient Service (OPD) Coverage.
• One person can avail of a maximum aggregated Death Coverage of Five Lac Taka (BDT. 500,000) from Guardian Life Insurance.
• One person can avail of a maximum aggregated Hospitalization Coverage of Fifty Thousand Taka (BDT. 50,000) from Guardian Life Insurance.
• One person can avail of a maximum aggregated OPD Coverage of Ten Thousand Taka (BDT. 10,000) from Guardian Life Insurance.

Exclusions: Death

• Suicide
• HIV/AIDS

Exclusions: Hospitalization/Out-Patient Service (OPD)

• Any treatment during the applicable Waiting Periods
• Pre-existing Conditions
• Congenital Conditions/Congenital infirmity
• Non-Allopathic and Experimental Treatment
• Treatment provided by a medical practitioner who is not recognized by the Bangladesh Medical and Dental Council
• Hospitalization or Injury due to any illegal activities/breach of law
• War, or any act of war, invasion, act of foreign enemy, warlike operations (whether war be declared or not), civil war, usurped act, rebellion, revolution, insurrection, nuclear weapons/materials, chemical and biological weapons and radiation of any kind
• Military Services - Involvement in the naval, military, or air force operations
• A direct consequence of participation by the Policyholder in any flying activity other than on a scheduled commercial airline as a bona fide passenger (whether fare paying or not), pilot, or crew member
• Hazardous Activities - participation or involvement in racing, diving, scuba diving, parachuting, hanggliding, rock or mountain climbing
• Self-Inflicted injuries or attempted suicide
• Substance Misuse and De-addiction
• Rehabilitation and Convalescence
• Cosmetic treatments
• Sleep and obesity treatments
• Hormone Replacement Therapy
• Dental and optical treatments
• Routine eye and ear examinations, cost of spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures, and artificial teeth
• HIV/AIDS
•  Sexually transmitted diseases and other sexual problems
• Circumcision - unless necessary for the treatment of a disease or necessitated by an accident
• Birth Control and Assisted Reproduction/Infertility
• Pregnancy, childbirth, maternity
• Psychological disorders - treatment of mental illness, stress, psychiatric or psychological disorder
• Charges incurred primarily for diagnostic, X-ray, or laboratory examination not consistent with or not incidental to the diagnosis and treatment of positive existence or presence of any Illness or Injury for which inpatient hospitalization is required
• Expenses of Insured Person as Donor, or cost of Donor
• Failure to take Reasonable Medical Care
• Any treatment or part of a treatment that is not of a reasonable and customary charge, not medically necessary, drugs or treatments which are not supported by a prescription
•  Immunization & Nutritional treatment
• Nuclear Reaction - injury, destruction, or damage caused by nuclear fission, nuclear fusion, or irradiation

*Please read the policy wording document for detailed terms and conditions of this insurance policy.

Policy Wording File

1. Online Method: Browse the claim portal (Click Here) from the Easylife/Guardianlife website for online claim submission and then select the claim button with the following information:

• Policy ID/Member ID.
• Insert 6-digit OTP to verify the mobile number (which is given in policy inception time).
• Select the Claim Type.
• Insert the Date of Admission and Discharge.
• Input the amount of the claim as per the contract paper.
• Upload the required documents.
• Place the claim

2. Offline Method: Call the Company’s (Guardian Life) hotline number: 16622, to notify regarding the claim by the Policyholder or his/her nominee. An executive will call back that number and verify some information in line with the online claim request.

Guardian Life Insurance Executive shall then guide the Policyholder/Nominee to send the necessary documents. It can be a soft copy by email/portal upload or a hard copy of required documents by post/courier depending on the claim type.

DOCUMENTS REQUIRED FOR SUBMITTING THE CLAIM

1. For Death Claim: 

• Death Claim Application Form duly fill-up by Nominee/ Guardian of Nominee.
• Bank details and a photocopy of the Nominee/ Guardian of Nominee.
• Copy of Death Certificate from Union Parishad/Paurashava/City Corporation/Cantonment Board/Hospital
• Copy of NID of Policyholder and Nominee/ Guardian of Nominee.
• In case of Accidental Death FIR, Post Mortem Report, Inquest Report, (if post-mortem report is unavailable, Magistrate or Officer In-charge permission to conduct burial without post-mortem)
• Copy of other supporting medical documents (If Applicable)

2. For Hospitalization/Hospicash/IPD/OPD:

• Claim Application Form
• Copy of doctor’s prescription
• Copy of diagnostic reports with X-Ray film (When applicable)
• Original bills/money receipt (Copy/ Scan copy)
• Discharge Certificate from Hospital/Clinic
• Physician‘s written advice/prescription for hospital admission except in case of emergency situation
• Any supporting documents as per merit of the disease /condition

Waiting Periods:

• Hospitalization: 30 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• Out-Patient (OPD) Service: 60 days. Not applicable in case of accident-related treatment or insurance coverage renewal in subsequent years.
• Critical Illness: 180 days. Not applicable in case of coverage renewal in subsequent years.
• An extended waiting period of 180 days is applicable for selected ENT, Gynecological, Orthopedic, Gastrointestinal, Urogenital, and other conditions. Please refer to section 4.6, Waiting Period of the Policy Wording, for further details.

Limitations:

• A Medical Practitioner’s recommendation is required for any Hospitalization.
• A minimum of 24 (twenty-four) hours of hospital stay shall require for any Hospitalization claims. No minimum period of Hospitalization is required if such Hospitalization is in connection with a surgical procedure.
• Maximum coverage for Hospitalization coverage shall be for 5 consecutive nights per hospital admission for each Insured Person. Successive Hospitalization within 90 days due to the same or different disability is considered as a single confinement.
• No pre & post Hospitalization expenses shall be covered under IPD.
• Pro Rata Payment of Inpatient/ Outpatient Claim: If any Policyholder is also covered for similar benefits under any other insurance contract, then payment of the claim shall be made on pro-rata basis after taking into account the coverages under all contracts.
• Maximum 5 Doctor Visits shall be covered under Out-Patient Service (OPD) Coverage.
• One person can avail of a maximum aggregated Death Coverage of Five Lac Taka (BDT. 500,000) from Guardian Life Insurance
• One person can avail of a maximum aggregated Hospitalization Coverage of Fifty Thousand Taka (BDT. 50,000) from Guardian Life Insurance
• One person can avail of a maximum aggregated OPD Coverage of Ten Thousand Taka (BDT. 10,000) from Guardian Life Insurance

Exclusions: Death

• Suicide
• HIV/AIDS

Exclusions: Hospitalization/Out-Patient Service (OPD)

• Any treatment during the applicable Waiting Periods
• Pre-existing Conditions
• Congenital Conditions/Congenital infirmity
• Non-Allopathic and Experimental Treatment
• Treatment provided by a medical practitioner who is not recognized by the Bangladesh Medical and Dental Council
• Hospitalization or Injury due to any illegal activities/breach of law
• War, or any act of war, invasion, act of foreign enemy, warlike operations (whether war be declared or not), civil war, usurped act, rebellion, revolution, insurrection, nuclear weapons/materials, chemical and biological weapons and radiation of any kind
• Military Services - Involvement in the naval, military, or air force operations
• A direct consequence of participation by the Policyholder in any flying activity other than on a scheduled commercial airline as a bona fide passenger (whether fare paying or not), pilot, or crew member
• Hazardous Activities - participation or involvement in racing, diving, scuba diving, parachuting, hanggliding, rock or mountain climbing
• Self-Inflicted injuries or attempted suicide
• Substance Misuse and De-addiction
• Rehabilitation and Convalescence
• Cosmetic treatments
• Sleep and obesity treatments
• Hormone Replacement Therapy
• Dental and optical treatments
• Routine eye and ear examinations, cost of spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures, and artificial teeth
• HIV/AIDS
•  Sexually transmitted diseases and other sexual problems
• Circumcision - unless necessary for the treatment of a disease or necessitated by an accident
• Birth Control and Assisted Reproduction/Infertility
• Pregnancy, childbirth, maternity
• Psychological disorders - treatment of mental illness, stress, psychiatric or psychological disorder
• Charges incurred primarily for diagnostic, X-ray, or laboratory examination not consistent with or not incidental to the diagnosis and treatment of positive existence or presence of any Illness or Injury for which inpatient hospitalization is required
• Expenses of Insured Person as Donor, or cost of Donor
• Failure to take Reasonable Medical Care
• Any treatment or part of a treatment that is not of a reasonable and customary charge, not medically necessary, drugs or treatments which are not supported by a prescription
•  Immunization & Nutritional treatment
• Nuclear Reaction - injury, destruction, or damage caused by nuclear fission, nuclear fusion, or irradiation

*Please read the policy wording document for detailed terms and conditions of this insurance policy.

Policy Wording File

1. Online Method: Browse the claim portal (Click Here) from the Easylife/Guardianlife website for online claim submission and then select the claim button with the following information:

• Policy ID/Member ID.
• Insert 6-digit OTP to verify the mobile number (which is given in policy inception time).
• Select the Claim Type.
• Insert the Date of Admission and Discharge.
• Input the amount of the claim as per the contract paper.
• Upload the required documents.
• Place the claim

2. Offline Method: Call the Company’s (Guardian Life) hotline number: 16622, to notify regarding the claim by the Policyholder or his/her nominee. An executive will call back that number and verify some information in line with the online claim request.

Guardian Life Insurance Executive shall then guide the Policyholder/Nominee to send the necessary documents. It can be a soft copy by email/portal upload or a hard copy of required documents by post/courier depending on the claim type.

DOCUMENTS REQUIRED FOR SUBMITTING THE CLAIM

1. For Death Claim: 

• Death Claim Application Form duly fill-up by Nominee/ Guardian of Nominee.
• Bank details and a photocopy of the Nominee/ Guardian of Nominee.
• Copy of Death Certificate from Union Parishad/Paurashava/City Corporation/Cantonment Board/Hospital
• Copy of NID of Policyholder and Nominee/ Guardian of Nominee.
• In case of Accidental Death FIR, Post Mortem Report, Inquest Report, (if post-mortem report is unavailable, Magistrate or Officer In-charge permission to conduct burial without post-mortem)
• Copy of other supporting medical documents (If Applicable)

2. For Hospitalization/Hospicash/IPD/OPD:

• Claim Application Form
• Copy of doctor’s prescription
• Copy of diagnostic reports with X-Ray film (When applicable)
• Original bills/money receipt (Copy/ Scan copy)
• Discharge Certificate from Hospital/Clinic
• Physician‘s written advice/prescription for hospital admission except in case of emergency situation
• Any supporting documents as per merit of the disease /condition