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Hospital Cash - Bronze
  • Health Coverage
    ৳37,000
  • Premium
    ৳1,399 / Year
    Total Sum Insured ৳77,000

What is covered?

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৳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.
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৳30,000 (৳2,000 per day)
Hospital Cash
৳30,000 (৳2,000 per day)
Fixed benefit for hospitalization on a daily basis
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৳2,000 (Fixed Benefit/Cost Reimbursement)
Out-patient (OPD)
৳2,000 (Fixed Benefit/Cost Reimbursement)
Coverage for outpatient treatment such as Doctor Visits, Diagnostic Tests, etc.
More Info »
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৳5,000 (50% benefit per illness)
Viral and Bacterial Disease
৳5,000 (50% benefit per illness)
Benefit against specific viral and bacterial diseases
Covered illnesses:
COVID-19
Dengue Fever
Malaria
Chikungunya Fever
Typhoid (Enteric Fever)

Features

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Cashless/Direct Payment Facility
Not Applicable
Not Applicable
Settlement of hospital bill directly at the time of discharge
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Co-payment
0%
0%
A fixed amount of medical expenses that are not paid by the insurance company
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Pre-existing Conditions
Covered after 6 months
Covered after 6 months
Coverage for pre-existing conditions/illnesses
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Maturity Benefit/Premium Refund
Not Applicable
Not Applicable
Refund of premium if there is no claim during the policy period
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Maternity
Covered after 6 months
Covered after 6 months
Coverage for maternity/child-birth related issues
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No Claim Discount
Not Applicable
Not Applicable
Discount on renewal premium if there were no claims in the previous year
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Hospital Confinement
Maximum 3 nights per hospitalization
Maximum 3 nights per hospitalization
Maximum number of days covered per Hospitalization

Claim Process

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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!
Hospital Cash - Bronze
  • Health Coverage
    ৳37,000
  • Premium
    ৳1,399 / 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: [email protected] 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.



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.

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


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 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 available in Bangladesh

Regardless of the scarcity of up-to-date health insurance coverage and plans, mostly there are few types of health insurance policies/plans available in Bangladesh and Bimafy also offers them for your consideration. A brief description of different health insurance plans are listed below.

Health Insurance for Hospitalization

Almost all health insurance plans covers hospitalization expesnes incurred due to medical conditions or illnesses. Some of the plans also covers hospitalization due to maternity/child-birth cases after a certain waiting period. These plans usually come with a yearly total coverage amount up to which the policyholder or insured person can claim back the medical expenses incurred due to hospitalization.

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 Insruance for Hospitalization and OPD Treatment

Health insurance policies often 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 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 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.

Note: If the health insurance is offered by 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, whats 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 (bimafy.com) 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]