1. Natural Death: In case of death of an Insured due to any reason, the beneficiary shall receive the amount mentioned in the Benefit Schedule. Waiting period is 30 days from the date of enrollment/purchase.

2. Accidental Death: In case of death of an Insured directly from an accident caused through external and fierce means, then the beneficiary shall receive the amount stated in the Benefit Schedule. Waiting period is 7 days from the date of enrollment/purchase.

3. Accidental Indemnity (Al): When accidental Injury results in any of the losses mentioned below, the Insured shall receive the benefit in accordance with the percentage shown in below table. Waiting period is 7 days from the date of enrollment/purchase.

4. Hospitalization Benefit: Insured shall enjoy a lump sum amount of BDT. 1,000.00 per day in case of hospitalization despite his/her expenditures. At least 24 hours hospitalization is required in order to be eligible for the claim and not more than 3 days for any single confinement. Per year one insured can enjoy up to BDT. 10,000 (BDT. Ten Thousand) only against each policy. Waiting period for General Hospitalization is 1 month from the date of enrollment/purchase and the waiting period for Emergency Hospitalization is 7 days from the date of enrollment/purchase.

5. Surgical Benefit: Insured can enjoy Surgical Benefit due to any surgery occurring during the coverage period. No claim will be paid due to C-Section (maternity) or Beautification purpose. Waiting period shall be 3 months from the date of enrollment/purchase. Insured can enjoy multiple claims due to Surgery but total accumulated amount shall not be more than Sum Assured. 30% Co-payment shall be paid at each claim by the Insured.

6. Ambulance Fare: Insured shall be eligible for Ambulance fare (no other means of Transport) in case of any Emergency Hospitalization only. Insured can claim up to BDT. 5,000.00 per year but not more than BDT. 10,000.00 for 3 Years/BDT. 20,000.00 for 5 years policy, all together. Waiting period is 7 days from the date of enrollment/purchase.

Any Bangladeshi citizen, age up to 60 years, and in Good Health condition is eligible to purchase this Insurance Coverage. A “Good Health” declaration form has to be signed by the Insured.

No benefit shall be paid under this contract for expenses or losses resulting from or incurred in connection with or in consequences of the following:

I. Exclusion for Death Claim

1. All pre-existing diseases in the first year of the policy;
2. Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony;
3. By participating in illegal activity is not covered;
4. Suicide while sane or insane;
5. The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV virus.

II. Exclusions for 'HospiCash Benefit' (Hospitalization Treatment)

• Any congenital infirmity;
• Any minor surgery, daycare treatment;
• All kind of pre-existing disease in the first year of the policy;
• Circumcision, prophylactic and immunization procedures;
• Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
• 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, burns;
• Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, SAAOL, CERAGEM, herbal/ayurvedic/unani/natural/homeopathy treatment and any Alternative Medical Care (AMC), etc.;
• Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
• Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
• Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
• Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident)
• Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis, and any dental treatment unless requiring hospitalization for reconstructive surgery as a consequence of an accident;
• Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
• Sleep disorders i.e., treatment for insomnia, sleep apnoea, snoring, or any other sleep-related breathing problem;
• Participating in competitions, races, contests, matches on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting, and/or scuba diving.
• IgE Test, vitamin test
• All kinds of Hospitalization due to pregnancy shall be excluded.

1. Benefits of this policy takes effect on the policy effective date (after waiting period). After taking effect, this policy shall remain in effect for 3/5 years from the said date subject to section 2 below, and subject to all other terms and conditions of this policy.
2. This policy shall terminate on the earliest of the following dates:
   1. The expiration of the 3/5 years period from the date of enrollment.
   2. The occurrence of any specific loss for which the benefit is paid or becomes payable.
   3. When the Insured attains 63 years of age actively.

   Such termination will be without prejudice to any claim originating out of the accident causing such loss.

3. This policy may not be canceled by the Insured or by the Company. However, it shall become null and void from its Effective Date for fraud, willful misrepresentation, and non-payment of the Total Premium Due.
4. The Total Premium Due to the Policy shall be considered fully earned by the company when collected.
5. As soon as practicable after the happening of any event which could give rise to a claim under this policy and in any case within 1 (one) calendar month, written notice thereof must be given to the Company. But the notice of Death must be given forthwith.
6. Completed Claim forms and written proof of loss must be furnished to the Company within ninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not possible to give proof within such time. However, no proof will be accepted if furnished later than one year from the time loss occurs.
7. Death shall not be presumed only by reason of the disappearance of the Insured until 7 years have elapsed since the date of disappearance or unless the Insured is declared to be dead any earlier by a competent court.
8. The Company shall not be bound to notice or be affected by any notice or any trust charge or a lien relating to this policy but the receipt of the Insured or legal personal representatives shall in any case effectively discharge the Company.
9. The due observance and fulfillment of the terms, conditions, and endorsements (if any) to the policy shall be a condition precedent to any liability of the company hereunder.
10. This policy, the policy schedule of benefits, and the application constitute the entire contract. No change in this policy shall be valid until approved by the designated officers of the Company and unless such approval is endorsed hereon or attached hereto. No agent has authority to change or to waive any of the provisions of this policy.
11. Indemnity, if any, for loss of life or the Insured is payable to the beneficiary (or beneficiaries) named in the Application, if such beneficiary survives the Insured, otherwise to the estate of the Insured. All other indemnities of this policy are payable to the Insured. Any payment made by the company in good faith, pursuant to this condition shall fully discharge the company to the extent of the payment.
12. The Company, at its own expense, shall have the right and opportunity to examine the Insured when and as often as the Company may reasonably require during the pendency of a claim hereunder, and also the right and opportunity to make an autopsy in case of death where it is not forbidden by law.
13. No action at law or equity shall be brought to recover on this policy after the expiration of 3/5 years from the occurrence of the assured loss.
14. This policy will not participate in the surplus earnings of the Company and will not have any cash values.
15. This policy becomes effective only if countersigned by an authorized representative of the Company.
16. Age of the Insured must be proved to the satisfaction of the Company before payment for any benefits under this policy. If the age of the Insured has been misstated, any amount payable under this policy shall be such as the premium paid would have been purchased at the correct age.
17. Governing Law: This policy shall be subject to the jurisdiction of the country of payment indicated in the Policy Schedule of Benefits and governed by the laws and regulations of the country. Any disputes hereunder shall be referred to the courts in that country.
18. Conformity with statues: any provision of this policy which, on the policy, effective dates is in conflict with the statues of the jurisdiction in which this policy is issued, is hereby amended to conform to the minimum requirements of such statues.
19. Changes in Law: In the event of any changes in the Law of Taxation or imposition of new levies or taxes on the Company, or change of any law or regulation governing the operation of Insurance Companies in the country of Payment, the company may vary the benefits and terms and conditions of the policy, as it deems appropriate.