• Plan Name
    Passenger Bima
  • Coverage
  • Insurance Provider
    Pragati Life Insurance

Passenger Bima

Up to BDT. 130,500 Domestic Air/Bus Trip Coverage

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Pragati Life Insurance
Insurance Provider
Pragati Life Insurance
Policy Duration
1 Day
Number of People Covered

Coverage for treatment of Accidental Injuries
0 days waiting period.

Coverage for specific viral diseases
2 days waiting period.

Coverage for Doctor Consultation due to Travel Ailments
0 days waiting period.

Lump sum benefit paid to the legal nominee if the Insured Person dies due to an accident.
0 days waiting period.

Coverage for pre-existing conditions/illnesses

The period after taking an insurance policy during which you cannot make any claim

This insurance applies to Bangladeshi nationals aged between 6 months and 65 years at the time of subscription.

Policy coverage duration: 1 day (the day of the actual travel) with extended coverage of 2 days for Travel Ailments and 7 days for Viral Diseases (COVID-19 and Dengue Fever).

Sub-limits for Accidental Injury Benefits:

  • Head Injury: BDT. 25,000
  • 2nd & 3rd Degree Burn: BDT. 18,750
  • Chest Injury, Internal Organ Injury: BDT. 12,500
  • Acute Lung Injury, Acute Respiratory Distress Syndrome: BDT. 10,000
  • Fracture, Dislocation, Amputation: BDT. 6,250
  • Cut Injury, Abrasions, Soft Tissue Injury, 1st Degree Burn: BDT. 2,500

Coverage Terms for Travel Ailment (OPD) Benefits: The following ailments shall be eligible under this coverage

  • Gastroenteritis
  • Diarrhea/Acute Watery Diarrhea
  • Food Poisoning
  • Motion Sickness
  • Altitude Sickness


  • If an Insured Member is aged below 18 (eighteen years) at the time of enrollment then a parent or legal guardian must accompany him/her during the travel with a separate insurance subscription for the parent/legal guardian.
  • Insurance coverage shall be applicable for travelling within the territory of Bangladesh only.
  • 48 (forty-eight) hours Waiting Period from the time of departure shall apply for COVID-19 and Dengue Fever.
  • COVID-19 and Dengue Fever are covered only if the diagnosis is confirmed within 7 (seven) days from the date of the journey.
  • Travel Ailments are covered only if the Doctor's Consultation is taken within 2 (two) days from the date of the journey.
  • If a person is covered under multiple subscriptions, any one claim shall be entertained against any one illness or accident. Multiple claim settlements for a single illness or accident under different subscriptions shall not be provided.


General Exclusions:

  • Any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement.
  • Any mental, emotional, and psychiatric disorders, alcoholism, or narcotic addiction.
  • Any condition due to consuming addictive substances.
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV virus and sexually transmitted diseases.
  • Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

Specific Exclusions for Accidental Death:

  • Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony;
  • Suicide while sane or insane;

Specific Exclusions for Accidental Injury:

  • Accidents due to any unlawful activities or while under the influence of addictive substances.

Claims must be submitted within 30 (thirty) days from the date of the accident/illness.

If you face an accident and get injured or feel sick during/after the flight, please go to the nearest hospital or registered doctor's chamber for medical attention. Please collect and preserve all medical documents and bills to submit the claim. A list of required claim documents is provided below:

Required Documents for Accidental Injury claim:

  • NID/Birth Certificate of the Insured Person
  • Doctor’s Prescription/Advice for hospitalization (in applicable cases)
  • Discharge Certificate (in applicable cases)
  • All Bills from the hospital/clinic/doctor's chamber
  • All medical reports such as X-Ray, City Scans, MRIs, or such relevant reports
  • Any other supporting documents (if required)

Required Documents for Travel Ailment (OPD) claim:

  • NID/Birth Certificate of the Insured Person
  • Doctor's Prescription (mentioning the ailment/illness)
  • Consultation bill/invoice

Required Documents for Viral Disease claim:

  • NID/Birth Certificate of the Insured Person
  • Doctor's advice/prescription
  • Diagnostic test reports
  • Diagnostic test bills
  • Any other available documents related to the treatment

Required Documents for Accidental Death claim:

  • NID/Birth Certificate of the Insured Person
  • Death Certificate mentioning the actual cause of death
  • Post Mortem Report
  • NID of the Legal Nominee
  • Warisan/Succession Certificate from the local government office
  • Any other 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.

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.

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

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