Almost all health insurance plans covers hospitalization expesnes. Some of the plans also covers hospitalization for maternity/child-birth cases after a waiting period. These plans usually come with a yearly total coverage amount up to which the you will get insurance benefit if you take treatment in a hospital. An important note to consider here is that health insurance policies give back the medical expenses (subject to exclusion and deductibles) as per the hospital bill. You need to properly collect and preserve the medical documents and bills at the time of discharge to submit an insurance claim.

Health insurance policies also covers out-door treatment costs such as doctor consultation, diagnostic tests, prescription medicines, etc. Usually these type of plans are a bit more expensive in terms of yearly premium as they covers OPD (out-door) treatments. However, buying these types of health insurance plans are always a better idea since they provide coverage against serious illnesses which requires hospitalization as well as the minor ones which does not require hospital admission. These plans also come with a yearly total coverage amount for hospital treament and out-door treatments, up to which you can claim and get financial benefit.

A critical illness (CI) plan is a type of health insurance policy that provides a fixed benefit or reimbursement of expenses up to the coverage amount in case of a diagnosis of a life-threatening illness. Hence it is called the Critical Illness insurance. These plans usually cover severe or life-threatening diseases such as cancer, heart attack, stroke, coronary artery bypass surgery, major organ transplantation, etc. This list may include more diseases or illnesses based on the insurance company or plan. Critical illness health insurance policies are affordable and can be a lifesaver for you in an unfortunate situation.

Sometimes, critical illness coverages are bundled with a standard hospitalization health insurance policy so that you can get complete coverage simply by purchasing a single policy. Otherwise, you can buy a standard health insurance plan and get critical illness coverage separately to ensure better financial safety in an emergency.

Additional Benefits: If the health insurance is from a life insurance company then you may get an extra term life insurance coverage along with the health coverage without any additional premium. This can be a good option for you to secure your dependent family members in case any unfortunate event occurs to you.

This is a very common question when searching for a health insurance plan as often we want to have our family memers to be included under the health insurance coverage as illnesses/accidents do not happen to us only, they affect our families as well and we have to spend a lot of money for their treatment. Although, we may buy insruance policy for our parents or extended family members but there is a scenario where this question comes in.

An individual health insruance plan covers only a single person, be it yourself or your spouse, or father, or mother. On the other hand, family floater health insruance policy covers up to 4 persons (usually) under a single policy and the health coverage amount can be used for all family members included in the policy. In other words, family members (including yourself) can share the coverage of the policy. Apart from your spouse, in order to get coverage for your minor children, you may have to take a family floater plan as most individual health insurance plans cannot be purchased for persons aged below 18 years. So, if you have dependent children, in most cases, your best suited option is a family floater plan.

However, you have the freedom to buy seperate policies for each members of your family. But, the main advantage of buying a family floater plan is cost saving on the premium payment. Because, if you buy separate policies for each person, it will cost you more (though you will be able to ensure more coverage for each person - at a higher cost). So, if you are looking for an affordable health insruance plan for your family, then go for the family floater plans.

To claim the insurance coverage benefit, you have to properly preserve and submit all the medical/treatment related documents such as doctor's prescription, hospital admission and discharge certificates, hospital bills, diagnostic test reports, treatment sheets, etc. You can easily submit your health insurance claims using Bimafy Webiste and Mobile App available on both Android and iOS. Simply login using your registered mobile number or email address and go to "My Policies" section. Click on the "Claim Now" button and submit your health insurance claim online. Provide clear photos/images of your all medical/treatment related documents. Select how you want to receive your money (MFS/Bank Account) and submit your health insurance claim.

Once you submit your health insurance claim, our Claim Assistance team will call you to provide confirmation of your claim. Our Claim Assistance team will assist you throughout the time when the insurance company is processing your claim. Once the claim gets approved, you will get the money in your desired account.

Bimafy is a licensed digital insurance platform in Bangladesh, from where you can easily buy the insurance policies you need and submit your insurance claims online. Bimafy is not an insurance company; it is a digital platform through which you can take the insurance services provided by various insurance companies using the Website and Mobile App. It is a new solution offered by Bimafy for the people of Bangladesh to make insurance easily accessible and more user-friendly.

Through Bimafy, you can get Health Insurance, Travel Insurance, Accident Insurance, Motor insurance, Life Insurance, and other Commercial Insurance such as Marine Insurance for import-export business, Fire Insurance for factories and warehouse/inventory, Industrial All Risk Insurance, Group Insurance for Employees, etc. Bimafy offers better service at a competitive price compared others.

Bimafy is the best platform to get a health insurance policy for yourself and your loved ones. As it provides various insurance policies in one place, you can easily compare and select the best policy suited to your needs and budget. You can also check the terms, conditions, exclusions, and features of the policies before buying so that you can make an informed decision.

Bimafy not only helps you get the best insurance policy for you but also assists you in submitting the insurance claims digitally and getting the settlement as fast as possible with the free claim assistance service.

To know more about health insurance and for any other information, send us an email or call Bimafy Customer Support.

Customer Support Hotline: +88 09606991991

Email Address: cs@bimafy.com