1. Nature of Risk
Amount of Coverage for Each Employee
CEO to GM DGM to Sr.
Manager
Manager Sr. Executive to
Officer
Natural Death 50 Lac 30 Lac 20 Lac 15 Lac
Accidental
Death
100 Lac 60 Lac 40 Lac 30 Lac
Permanent
Total Disability
50 Lac 30 Lac 20 Lac 15 Lac
Permanent
Partial
Disability
Max. 75% of 50
Lac
Max. 75% of 30
Lac
Max. 75% of 20
Lac
Max. 75% of 15
Lac

2. ** Major Exclusions: Death due to AIDS/HIV related disease in any time and
suicide in the first year of coverage.
** Eligibility to join the Scheme: All regular and permanent employees who are
in good health and are below age 60 shall join the scheme. Any employee
exceeding age 60 years on the commencement of the risk and anytime within
the currency of the scheme shall not be covered. A new employee shall
automatically join the scheme upon being permanent of which intimation shall
be given to the company.
** Payment of Premium: Premium is payable yearly is advance on/before
commencement of insurance. However, for payment of subsequent renewal
premium one-month (30 days) grace is allowed.
Pro-rata premium shall be charged for new employees depending on the
effective day of coverage till Contract Anniversary Date.
Similarly pro-rata premium shall be refunded for outgoing employees
depending on the effective date of separation till the end of the Contract
Anniversary Date.

3.  We are committed to settle all claims within 7 working days after receiving
of all required documents related with the claim.
 In-case of Natural death:
 1) Attested copy of Death Certificate from last attending
physician/clinic/hospital mentioning Registration Number.
 2) Employment Certificate issued by the Organization.
 3) Attested copy of NID/Passport.
 In-case of Accidental Death:
 1) Attested copy of Death Certificate from last attending
physician/clinic/hospital mentioning Registration Number.
 2) Employment Certificate issued by the Organization.
 3) Attested copy of NID/Passport.
 4) Attested copy of Post Mortem Report or Certificate issued by Addl.
District Magistrate.
 5) Attested copy of FIR.

4.  In-case of Disability Claim:
 1) Orthopedic Evaluation Report from Specialist Orthopedic Surgeon.
 2) X-Ray Report & Film.
 3) Relevant medical documents related to disability.

5.  Benefit Schedule (with sub-limits per confinement)
Designation Group CEO to GM DGM to Sr.
Manager
Manager Sr. Executive to
Officer
Plan Corporate+ Corporate Executive+ Executive
Coverage per Person per
Disability
150,000 100,000 80,000 50,000
Daily Hospital Room Rent
(Actual or Max.)
2,500 2,000 1,500 1,000
ICU/CCU Limit per
confinement
Actual up to 14 days
Total Hospital Room Rent
including ICU/CCU
60,000 40,000 30,000 20,000
All other In-Patient
treatment expenses max.
per disability
90,000 60,000 50,000 30,000

6. • Each Member of the plan will get Health Insurance Card with own photograph
and contact details.
• Preferential admission facilities in our designated hospitals by showing Health
Card.
• Cashless treatment facilities in our designated hospitals.
• You have free choice of doctors and hospitals/clinics, countrywide even in
abroad.
• 5 days Pre & Post Hospitalization Treatment Expenses-only medicine &
investigation cost are covered.
• Option to include spouse & dependent children under this plan.
• Worldwide Treatment Coverage: In-Patient treatment facilities outside of
Bangladesh are also covered but reimbursement shall be made as per standard
cost of such treatments in Bangladesh.
• Attractive discounts are available from our designated hospitals countrywide
for medical tests/diagnostic charges by showing Health Insurance Card
applicable for self, spouse & dependent children.

7. **Major Exclusions: (i) Any congenital infirmity (ii) Any pre-existing conditions
(iii) Assisted Reproduction (iv) Maternity related treatment (v) Any
dental/optical related treatments other than accident.
**Tenure of the Scheme: Three years from the date of commencement. A contract
shall be signed which may be renewed on mutual agreement.
**Payment of Premium: Premium is payable yearly is advance on/before
commencement of insurance. However, for payment of subsequent renewal
premium one-month (30 days) grace is allowed.
Pro-rata premium shall be charged for new employees depending on the
effective day of coverage till Contract Anniversary Date. VAT imposed by the
Govt. has to be paid by the Organization concerned.
**Disability: Disability shall mean, in the event of a sickness or accidental bodily
injury caused individually or simultaneously requiring hospitalization and
medical treatment thereof is considered as one disability. Confinement within
120 days due to same or different ailment shall be considered as same disability.
If a disability is due to causes which are the same or related to the causes of a
prior disability (including complication arising there from), the disability shall
be considered a continuation of the prior disability and not a separate disability.

8.  When advised by a medical doctor consultant for hospitalization, the Member
must inform the Company through “Claim Intimation Form” together with
doctor’s advice on or before admission in a Hospital/Clinic. In case of Medical
Emergency prior intimation shall be waived, however, the Member must send
Claim Intimation Form to the Company within 48 hours of such
hospitalization. Claim intimation can be made through Fax, e-mail or Courier
Service.
 Use of Designated Hospitals: If a Member is admitted in the company’s
designated Hospital/Clinic, the Company shall pay all eligible expenses
incurred for hospitalization treatment within his/her benefit limit directly to the
Hospital/Clinic. Any expenses not mentioned in the Benefit Schedule or in
excess of the Benefit Limit should be borne by the Member himself/herself and
settled with the hospital at the time of discharge.
 Use of Govt./Non-Designated Hospitals: The Member shall submit claim
through Claim Form to the Company within 30 days after discharge from the
Hospital/Clinic for reimbursement of expenses. The Company shall reimburse
to the Member the actual expense incurred for hospital treatment up to the
benefit limit upon receipt of complete Claim Form along with supporting bills,
money receipts and documents within 14 working days.