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What is covered?
Features
What is not covered?
Waiting periods
Pragati Life Insurance
Hospital Cash - Bronze
-
Health Coverage
৳37,000
-
Premium
৳1,399
Policy Duration: 1 Year Total Sum Insured ৳77,000
What is covered?
৳30,000
(৳2,000 per day)
Hospital Cash
৳30,000
(৳2,000 per day)
Fixed benefit for hospitalization on a daily basis
Fixed benefit for hospitalization on a daily basis
৳2,000
Out-patient (OPD)
৳2,000
Coverage for outpatient treatment such as Doctor Visits, Diagnostic Tests, etc.
Coverage for outpatient treatment such as Doctor Visits, Diagnostic Tests, etc.
More Info »
৳5,000
Viral and Bacterial Disease
৳5,000
Benefit against specific viral and bacterial diseases
Benefit against specific viral and bacterial diseases
Covered illnesses:
COVID-19
Dengue Fever
Malaria
Chikungunya Fever
Typhoid (Enteric Fever)
Extra Benefits
৳40,000
(Primary Insured Person only)
Term Life Insurance
৳40,000
(Primary Insured Person only)
Lump sum benefit paid to the legal nominee if the Insured Person dies.
Lump sum benefit paid to the legal nominee if the Insured Person dies.
Features
Co-payment
None
None
A fixed amount of medical expenses that are not paid by the insurance company
A fixed amount of medical expenses that are not paid by the insurance company
Pre-existing Conditions
Covered after 6 months
Covered after 6 months
Coverage for pre-existing conditions/illnesses
Coverage for pre-existing conditions/illnesses
Maternity
Covered after 6 months
Covered after 6 months
Coverage for maternity/child-birth related issues
Coverage for maternity/child-birth related issues
Hospital Confinement Limit
3 Days
3 Days
Maximum number of days covered per Hospitalization
Maximum number of days covered per Hospitalization
Co-insurance
None
None
A percentage of medical expenses that are not paid by the insurance company
A percentage of medical expenses that are not paid by the insurance company
What is not covered?
Congenital diseases/birth defects
HIV/AIDS
Infertility treatment
Routine checkups
Obesity treatment
Suicide/self-inflicted injuries
More Details »
Waiting periods
Accident: 0 Day
Illness (IPD/OPD): 15 Days
Maternity: 6 months
Pre-exisitng Conditions: 6 months
More Details »
Claim Process
See Details
Downloads
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!
Pragati Life Insurance
Hospital Cash - Bronze
-
Health Coverage
৳37,000
-
Premium
৳1,399
Policy Duration: 1 Year Total Sum Insured ৳77,000
Description
- This is a non-refundable product.
Waiting Periods:
- Hospitalization, Viral and Bacterial Diseases, OPD Service - 15 days. Not applicable in case of any accident-related treatment or renewal of insurance coverage in subsequent years.
- Hospitalization due to maternity - 180 days. Not applicable in case of renewal of insurance coverage in subsequent years.
- Hospitalization or treatment due to Pre-existing Diseases - 180 days. Not applicable in case of renewal of insurance coverage in subsequent years.
Limitations:
- Multiple plans cannot be purchased for a single person, applicable for all Hospital Cash plans provided by Pragati Life.
- 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.
- Maximum coverage for Hospitalization benefits shall be for 3 consecutive nights per hospital admission in respect of each Insured Person.
- If multiple claims arise against a single Illness or Accident (except OPD Service) then only the higher benefit shall be payable.
- Hospitalization coverage benefit shall be 50% (fifty per cent) of the eligible amount in case of treatment in a government-operated hospital or healthcare facility.
Exclusions:
- Death due to any Pre-Existing Disease
- Any treatment during the applicable Waiting Periods
- Any Congenital Anomaly
- The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV
- Hospitalization or Injury due to any illegal activities
- Hospitalization, Diagnostic Tests, or any treatment without a recommendation from a Medical Practitioner
- Hospitalization for the purpose of conducting Diagnostic Tests that could have been performed as an outpatient
- Routine blood sugar tests, routine examination of urine/stool, IgE (allergen) tests
- Routine or planned treatment of Pre-existing Diseases which are Chronic Conditions in nature such as radiotherapy or chemotherapy for cancer management; dialysis for chronic kidney disease (CKD) or end-stage renal disease (ESRD) management, Hospitalization for chronic pulmonary obstructive diseases (COPD) or liver cirrhosis, etc.
- Any experimental or generally unaccepted procedures by medical professionals, i.e., acupuncture, herbal/ayurvedic/homoeopathy treatment, alternative medical care (AMC), etc.
- Routine examination of eye and ear, fitting or replacement of eyeglasses (including contact lenses) or hearing aids, health screening including regular physical tests (health check-ups), any dental treatment (except hospitalization for reconstructive surgery as a consequence of an accident or disease);
- Circumcision, prophylactic, and immunization procedures
- Non-surgical treatment for Tuberculosis, Hepatitis B & C
- Mental, emotional, or psychiatric disorders, alcoholism, or any other narcotic addictions
- Obesity, i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless needed as reconstructive surgery as a consequence of an injury due to accidents, or burns
- Sleep disorders, i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep-related breathing problem
- Treatments related to family planning purposes, including intended termination of pregnancy, sterility, or assisted reproduction
*Please read the policy wording document for detailed terms and conditions of this insurance policy.
Claim Process
Claims must be submitted within 30 (thirty) days from the date of covered Illness or Accident.
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 clearly mentioned on them.
List of required documents for claims:
Hospital Cash 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
Viral and Bacterial Diseases Claim
- Doctor's advice/prescription
- Diagnostic test reports
- Diagnostic test bills
- NID/Birth Certificate of the Insured Person
- Any other available documents related to the treatment
OPD Service Claim
- Doctor's prescription
- Doctor consultation bill
- Diagnostic test reports
- Diagnostic test bill
- NID/Birth Certificate of the Insured Person
- Any other available documents related to the treatment
Death Claim
- NID/Birth Certificate of the Insured Person
- Death Certificate mentioning the actual cause of death
- Post Mortem Report (in case of accidental death)
- NID of the legal nominee
- Warisan/Succession certificate from the local government authority
- Any other available supporting documents
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.
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.
- 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.
Hospitalization Coverage Only
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 with OPD Coverage
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
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