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Plan Name
GHI Premium
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Coverage
৳150,000
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Insurance Provider
Green Delta Insurance
GHI Premium
Back to Quotes
৳150,000
0 days waiting period.
Hospitalization (IPD) Expenses Reimbursement Limits:
Hospital accommodation (including all room services): Actual cost (maximum BDT. 3,000 per day)
Consultant’s fee: Actual cost (maximum BDT. 1,800 per day)
Routine investigations: Actual cost (maximum BDT. 6,000 per hospitalization)
Medicine & drugs prescribed by the Consultant: Actual cost (maximum BDT. 12,000* per hospitalization)
Major surgical operation: Actual cost (maximum BDT. 30,000 per case)
Intermediate surgical operation: Actual cost (maximum BDT. 20,000 per case)
Ancillary Services: 80% of the total amount (maximum BDT. 16,000 per hospitalization)
(Ancillary Services include Labor room services, post-operative care facilities, Oxygen therapy, skilled nursing services, intensive care facility, blood transfusions, ambulance service, dressing, tests other than routine investigations, etc.)
*Where there are no claims in respect of surgical intervention, this limit is increased to BDT. 24,000
LIMITATIONS
- Policy liability for each Confinement shall be limited to a maximum of 21 days. Successive periods of hospital confinement within 90 days due to the same disability are considered a single period. But in no event shall the benefit exceed the limit set forth in the Schedule of this Policy.
- All pre-hospitalization expenses and any minor Surgical operation are excluded where confinement in the hospital is not necessary or performed as an outdoor surgery.
- If any insured is also covered for similar benefits under any other insurance Policy then payment of the claim shall be made on a pro-rata basis after taking into account the coverage under all Policies.
- Any charges for food or food supplements (Horlicks, Viva, Bourn Vita, etc.), cosmetic creams or oils of any nature, water purifiers, etc. are excluded.
- Maternal benefits for pregnancy or childbirth are covered only after 9 months from the commencement date of this Policy. Nevertheless, emergency hospitalization arising from the following complications of pregnancy are covered:
i) Hyperemesis gravid arum
ii) Extras-uterine pregnancy
iii) Eclipse of pregnancy
iv) Intra-abdominal surgery after the termination of pregnancy
EXCLUSIONS
- Any congenital infirmity
- Any Pre-existing Conditions
- Mental, emotional, or psychiatric disorders, alcoholism, or any other narcotic addiction
- Prophylactic and immunization procedures
- Any procedure which is experimental or not generally accepted by the medical profession (i.e.; acupuncture)
- Any cosmetic or plastic treatment/surgery unless required as reconstructive surgery as a consequence of an injury due to accidents or burns
- Rest, convalescence or rejuvenation cures, thermal baths, or confinement for the purposes of slimming or beautification
- Family planning treatments including termination of pregnancy during the first twelve weeks from the date of conception, sterility
- Willful abortion or any complication and/or sequel therefrom
- 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
- Routine examination of eye and ear, fitting or replacement of eyeglasses (including Contract lenses), or hearing aids
- Routine physical examinations (health check-ups), radiotherapy (X-ray, radium or radioactive isotopes treatment), chemotherapy, or any form of treatment when not incidental or necessary to the treatment of the injury/illness which caused the hospitalization
- Any dental treatment
- Injury arising due to an accident while participating in any unlawful activities (e.g. driving a vehicle without a license)
- Non-surgical care for tuberculosis
- Injury or disease directly or indirectly attributed to or civil commotion
- Circumcision
- Injury, destruction, or damage caused by nuclear fission, nuclear fusion, or irradiation
- Treatment of a newborn child up to the age of 3 months
- AIDS and HIV-related diseases
*Please read the policy wording document for detailed terms and conditions of this insurance policy.
Policy Wording File
Download - ghi-policy-wording-plan-5-150k6391c321b61e3.pdfClaims must be submitted within 15 (fifteen) days from the date of discharge from the hospital.
Please submit your claim using the Bimafy Mobile App or Website. Alternatively, you can submit your claim via email to: claims@bimafy.com by mentioning your full name and registered mobile phone number in the subject line.
Provide clear scanned copies of your treatment-related documents while submitting the claim. Please ensure all medical documents are properly dated and the Insured Person's name is mentioned on them.
List of required documents for claims:
Hospitalization (IPD) Expenses Reimbursement Claim
- Doctor's advice/prescription/emergency ticket for hospital admission
- Admission form
- Discharge certificate
- Treatment sheet
- Diagnostic test reports
- All bills
- NID/Birth Certificate of the Insured Person
- Any other available documents related to the treatment
If the Insured Person is not alive and the Nominee needs to submit the claim then he/she should contact Bimafy Customer Service for assistance.
What is Health Insurance?
Health insurance is a type of insurance policy that provides financial coverage against illness, diseases, and accident-related treatments. That means the insured person can get medical expense reimbursement or fixed cash benefit (based on the type of insurance policy) for treatments received due to the medical conditions.
Health insurance usage is relatively new in Bangladesh, and most of the insurance companies in Bangladesh do not offer retail health insurance policies to individual customers. Instead, insurance companies provide group health insurance plans to enterprises and corporates for their employees and workforce. For this reason, access to health insurance plans is still difficult for the mass people of Bangladesh. Bimafy is working with selected insurance companies to make health insurance easy and accessible for everyone. Bimafy offers different types of health insurance plans on its website and mobile app for you to choose from.
Why does everyone need a Health Insurance policy?
Everyone should have a health insurance policy because:
- Health insurance provides coverage against unexpected illness or accidental injuries to better manage your financial situation in case of an emergency hospitalization or treatment.
- Health insurance helps you to afford better healthcare services as you have the financial independence to seek quality healthcare services.
- Health insurance provides peace of mind as you are covered against unexpected situations and do not need to worry about spending your savings on treatment.
Types of Health Insurance policies available in Bangladesh
Regardless of the scarcity of up-to-date health insurance coverage and plans, mostly there are 3 types of health insurance products/plans available in our country, as per the following:
1. Hospital Reimbursement Plans
Hospital reimbursement plans are the most commonly used health insurance coverage by enterprises/corporates for their employees and workforce. These plans usually come with a yearly total coverage (sum-insured) amount up to which the policyholder or insured person can claim back the medical expenses incurred due to hospitalization. Sometimes, these plans come with bundled life insurance coverage and OPD (outpatient department services) coverage so that you can have peace of mind in case of any mishaps.
For example, if a reimbursement plan provides BDT. 50,000 yearly coverage for hospital treatment, and you had to spend BDT. 35,000 in total for an in-patient hospital treatment, the insurance company shall provide up to BDT. 35,000 as reimbursement against the claim. Some expenses may be excluded from the coverage on your policy, and those bills will not be paid back by the insurance company. Check the policy wording, coverage limits, and exclusions before buying a health insurance plan.
An important note to consider here is that reimbursement 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.
2. Hospital Cash Plans
Hospital Cash plans, or simply “hospicash” plans, are a more straightforward type of health insurance policy that provides daily fixed benefits per night of hospitalization. These plans do not consider the medical expenses incurred by the insured/policyholder. Instead, this health insurance policy provides a daily cash benefit to meet the lost income due to illness or accident. Often, these plans come with bundled life coverage, OPD coverage, and other benefits and are priced reasonably lower than reimbursement plans.
For example, if a hospital cash policy provides BDT. 3,000 per night of hospitalization, then you can get BDT. 9,000 benefits if you had to take treatment in a hospital for 3 consecutive nights. These plans usually come with waiting periods for claims and specific exclusions against particular diseases. So, please check the waiting periods and exclusions before buying a health insurance policy for yourself or your family members.
An important note to consider is that you must properly collect all medical documents, including hospital bills, to raise insurance claims. The insurance company will need these documents to verify the authenticity of your claim.
3. Critical Illness Plans
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 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 reimbursement or hospital cash policies so that you can get complete coverage simply by purchasing a single policy. Otherwise, you can buy a reimbursement or hospital cash plan and get critical illness coverage separately to ensure better financial safety in an emergency.
Why is Bimafy the best place to buy health insurance policies?
Bimafy (bimafy.com) is the first digital insurance platform in Bangladesh, from where you can easily order the insurance policy you prefer or need and submit your insurance claims using the same platform digitally. 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 digital channels. It is a new solution offered by Bimafy for the people of Bangladesh to make insurance easily accessible and more user-friendly.
Bimafy promotes and markets the insurance services of reputed insurance companies using its website and mobile app. People can now get many services through digital platforms like e-commerce, ride-sharing, doctor consultation, etc. But, before Bimafy, insurance was not available to people through digital channels, and Bimafy made it available to Bangladeshi people.
Through Bimafy, you can get the following insurance services: Health Insurance, Travel Insurance, Accident Insurance, Motor insurance, Life Insurance, and many more.
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.
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.
Various reputed insurance companies provide their insurance services through Bimafy. You can get your suitable health insurance plan today without any hassle through online purchases or with just a phone call. Bimafy considers customer satisfaction the highest priority and aims to provide the best insurance experience you have ever enjoyed.
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
