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Guardian Assurance Ultra
  • Health Coverage
  • Premium
    Policy Duration: 1 Year Total Sum Insured ৳460,000

What is covered?

Hospitalization (IPD)
Coverage for in-patient treatment in a registered hospital
Out-patient (OPD)
Coverage for outpatient treatment such as Doctor Visits, Diagnostic Tests, etc.
More Info »

Extra Benefits

৳200,000 (Policy holder only)
Term Life Insurance
৳200,000 (Policy holder only)
Lump sum benefit paid to the legal nominee if the Insured Person dies.
৳200,000 (Policy holder only)
Critical Illness (CI-5)
৳200,000 (Policy holder only)
Lump-sum benefit for specific Critical Illnesses
Covered illnesses:
Coronary Artery (Bypass) Surgery
Major Organ Transplantation


A fixed amount of medical expenses that are not paid by the insurance company
20% for Diagnostic Tests
20% for Diagnostic Tests
A percentage of medical expenses that are not paid by the insurance company
Worldwide Treatment
Coverage for hospitalization/treatments abroad
Pre-existing Conditions
Not Covered
Not Covered
Coverage for pre-existing conditions/illnesses
Hospital Confinement
5 Days
5 Days
Maximum number of days covered per Hospitalization
Daily Hospital Expense Limit
Up to 5,000 Tk.
Up to 5,000 Tk.
Maximum hospital expense coverage per day

What is not covered?

Pre-exisitng Conditions
Congenital Conditions/Infirmity
War and Military Services
Self-Inflicted Injuries, Suicide/Attempted Suicide
Dental and Optical Treatments
Illegal Activities/Breach of Law
More Details »

Waiting periods

Accident: 0 Days
Illness (IPD): 30 Days
Illness (OPD): 60 Days
Critical Illness: 180 Days
More Details »

Claim Process

See Details
Tips for selecting the best plan
Look for plans with minimum Waiting Periods
Look for plans with low co-payment/co-insurance
Plans with OPD benefits provide coverage for out-door treatments
Choose plans with Cashless/Direct Payment Facility
If you worry about critical illnesses then look for plans with Critical Illness (CI) benefits
Need more help?
We are always here to assist you!
Guardian Assurance Ultra
  • Health Coverage
  • Premium
    Policy Duration: 1 Year Total Sum Insured ৳460,000

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.


  • 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

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
  •  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 will be issued immediately after purchase.
  • Cancellation or refund is not applicable for this policy.
Claim Process

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.


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
After examining the documents Policyholder/Nominee shall be informed if need any clarifications or supporting documents. All submitted documents shall be verified by contacting with Policyholder, nominee and/ or other concerned persons/organizations if required.

If all the submitted documents comply with the contract benefit coverage, a claim shall be settled, disbursed and communicated accordingly with the Policyholder or his/her nominee.

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 you can get financial benefit agaisnt your medical expenses if you have a health insurance policy. All you have to do is buy a good health insurance policy and renew it every year because you never know when an accident may happen or you get sick.

Bimafy offers various health insurance plans on its website and mobile app from where you can easily understand the terms and conditions and purchase online and get claims.

Why do you need a Health Insurance?
  • 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 ensures 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:
Hospitalization Coverage Policy

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.

Hospitalization and OPD Coverage Policy

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.

Critical Illness Coverage Policy

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.

Individual Plan vs Family Floater Plan, what is the difference?

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.

Why is Bimafy the best place to buy health insurance policies?

Bimafy ( is the first digital insurance platform in Bangladesh, from where you can easily buy 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 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.

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. 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.

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: [email protected]