There are different types of travel insurance policies available at Bimafy and you can select the best-suited plan for you from the available plans. Usually, travel insurance plans are categorized based on the purpose of travel such as holiday, business, study, employment, etc. You should also check your visa/travel requirements so that you can get the right insurance policy before your visa application/departure. 

If you are going to a Schengen country then your travel insurance policy must provide at least €30,000 in coverage against illnesses and accidents and there must not be any deductible in the insurance policy. Some countries require travel insurance to enter but do not specify any minimum coverage amount. However, all of the travel insurance plans available at Bimafy provide at least US$50,000 (€30,000 for Schengen Countries) coverage and are accepted almost everywhere in the world including 29 Schengen countries. Travel insurance for USA and Canada shall provide coverage of $100,000 as the medical costs are significantly higher in these countries.

If you are a casual traveller, then a Business & Holiday plan would be the most suitable one for you. But, if you are a frequent traveller and go abroad multiple times in a calendar year then a Frequent Traveling plan can be the best option as it provides coverage for multiple trips (up to 30 days per trip) within the policy validity period of one year.

For study purposes, you may need to get a travel insurance policy before your visa application or departure. Travel insurance for Study is the right choice for you if you are going abroad with a student visa. This plan provides coverage for up to one year in a single policy and provides coverage up to US$75,000 (€30,000 for Schengen countries).

If you are going abroad for employment purposes then the Employment plan would be the most suited one as this policy provides coverage of up to US$75,000 (€30,000 for Schengen countries) for up to one year in a single policy.

For your better understanding, a summary of the travel health insurance plans are listed below:

• Travel Insurance for Business & Holiday: For periods up to 180 days; with a coverage of up to US$50,000 (€30,000 for Schengen Countries, $100,000 for USA and Canada)
• Travel Insurance for Frequent Traveling: For 365 days, but a maximum of 30 days per trip; with a coverage of up to $100,000 (or Euro equivalent for Schengen Countries)
• Travel Insurance for Employment: For periods exceeding 180 days but not exceeding 12 months, with a coverage of up to US$75,000 (€30,000 for Schengen countries)
• Travel Insurance for Study: For periods exceeding 180 days but not exceeding 12 months, with a coverage of up to US$75,000 (€30,000 for Schengen countries)

Bimafy also offer Travel Insurance for Study and Employment purposes with $125,000 coverage. If you require a travel health insurance with a greater coverage (more than $50,000) then contact us directly.

For more details, please call Bimafy Customer Support at +88 09606991991 or write an email to: [email protected]

• Coverage for Medical Expenses (refer to the List of Covered Medical Expenses below)

For Schengen Countries: Insurance will pay up to the insured person's total coverage limit as per the plan (i.e., $50,000/$75,000/$100,000). No deductible applies per accident or illness in respect of the following medical-related expenses, reasonably and necessarily incurred outside the People’s Republic of Bangladesh by the Insured Person as a direct result of the Insured Person suffering bodily injury, sickness, disease, or death during the Period of Insurance.

For Non-Schengen Countries: Insurance will pay up to the insured person's total coverage limit as per the plan (i.e., $50,000/$75,000/$100,000), subject to the deductible stated on the policy schedule (typically $100), which deductible applies per accident or illness, in respect of the following medical related expenses, reasonably and necessarily incurred outside the People’s Republic of Bangladesh by the Insured Person as a direct result of the Insured Person suffering bodily injury, sickness, disease, or death during the Period of Insurance.

Notwithstanding the above, if the TPA/Claims Handler appointed by the insurance company recommends that continued treatment in Bangladesh is appropriate, the policy is extended to cover medical expenses incurred in Bangladesh as specified in Covered Expenses herein. Provided that expenses will only be paid at the usual and customary level for such services, and further provided that expenses will only be paid for treatment incurred within the 90 days immediately following the first manifestation of the bodily injury, sickness, or disease and the Insured Person had to return earlier than the expiry date of the trip.

1. Expenses for physician service, hospital and medical services, and local emergency medical transportation

2. Dental services:

• For Schengen Countries: Up to $500 or equivalent Euro per occurrence of dental services for immediate dental pain relief only. However, dental care rendered necessary due to a covered accident shall be subject to the limit of cover as per the policy. No deductible applies.
• For Non-Schengen Countries: Up to $500 per occurrence of dental services for immediate dental pain relief only. However, dental care rendered necessary due to a covered accident shall be subject to the coverage limit as per the policy and the Deductible stated in the policy schedule (typically $50).

3. Expenses for physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary care, en route to the nearest suitable hospital when the Insured Person is critically ill or injured, and no suitable local care is available, subject to the prior approval of the Program Medical Advisors. In dire emergencies in a remote area where TPA/Claims Handler cannot be contacted, the medical evacuation must be reported to the first available physician and the nearest Bangladesh Consulate.

4. Expenses for medical evacuation, including transportation and medical care En-route to a hospital or the Insured Person’s usual place of residence in the People’s Republic of Bangladesh when deemed medically advisable by the Program Medical Advisor and the attending physician.

5. If the Insured Person dies outside of the People's republic of Bangladesh, the expenses for preparing the air transportation of the remains for repatriation to the People’s Republic of Bangladesh of up to an equivalent amount for a local burial or cremation in the country where the death occurred. All expenses must be approved by the TPA/Claims Handler before the remains are prepared for transportation to the People’s Republic of Bangladesh or local burial or cremation.

Premium of Travel Insurance is determined based on your travel destination (countries you are visiting), duration of your travel (policy duration), and your age. You can quickly get a personalized price quote using the Bimafy website or mobile app by providing basic information, such as your date of birth, destination country, and travel duration.

Some of the notable coverage exclusions of the Travel Insurance policy are listed below:

• Pre-existing conditions
• Travelling against the advice of the physician
• Travelling to obtain treatment for an identified illness/medical condition
• Applicable deductibles under the travel insurance policy schedule
• Cosmetic surgeries, unless required against a covered accident
• AIDS/HIV-related conditions
• Routine physical examinations or health checkups
• War, invasion, civil wars, mutiny, riot, rebellion, civil commotions, military or usurped power, terrorism, mass destruction, etc.
• Mountaineering and any other potentially dangerous sports/activities
• Professional sports
• Pregnancy/maternity and its related complications
• Applicable for children aged 5 years and under: treatment relating to Mumps, Chicken Pox, Measles, German Measles, Spina Bifida Whooping Cough, Diphtheria, Poliomyelitis, Meningitis, and Scarlet Fever" and for consequences attributable thereto, accelerated thereby or arising therefrom.

Please refer to the product details or the policy wording file to see the policy's complete exclusion list and other terms. You can view the product details after getting a price quote by clicking on the “More Details” button.

Travel Insurance or Overseas Mediclaim Policy shall pay up to the limit of cover shown on the Overseas Mediclaim Identification and Schedule in total for the Insured Person and subject to a Deductible (No Deductible in the case of Schengen Countries) stated in the Overseas Mediclaim Identification and Schedule, which categorizes deductible applied per accident/illness, in respect of the related medical expenses, reasonably and necessarily incurred outside the People’s Republic of Bangladesh by the Insured Person as a direct result of the Insured Person suffering from bodily injury, disease, sickness or death during the Period of Insurance.

To know more about travel insurance and for any other information, send us an email or call Bimafy Customer Support.

Customer Support Hotline: +88 09606991991

E-mail: [email protected]