Business and Holidays

Overseas Mediclaim Insurance for Business and Holiday is available for Bangladesh Nationals visiting abroad for the purpose of Business and Holiday tour.

For the purpose of premium rates and benefits available Overseas Mediclaim Insurance for Business and Holiday is divided into two plans:

PLAN –A : For Bangladeshi  visiting countries other than USA and Canada.

PLAN –B : For Bangladeshi’s  visiting USA and Canada.

SCOPE OF COVER: Intended only for use of insured person in the event of sudden and unexpected Sickness or accident arising when the insured is staying out side Bangladesh.

Maximum limit of Liability:

Plan ‘A’ Euro 30,000.00 U.S. $ 50,000 Plan ‘B’ Euro 30,000.00 U.S. $ 50,000

COVERED EXPENSES:

1. Expenses for physician service, Hospital, Physician and Medical services and local emergency medical transportation.
2. Up to US $ 225 per occurrence for dental services for immediately relief of dental pain only.
3. Expenses for physician ordered emergency medical evacuation including medically appropriate transportation and necessary medical care enrouteto the nearest suitable hospital.
4. Expenses for medical evaluation including transportation and medical care enroute to a hospital on the Insured Person’s normal place of residence in the People’s Republic of Bangladesh.
5. If the Insured Person dies outside the Peoples Republic of Bangladesh the expenses for preparing the air transportation of the remains for repatriation to the Peoples Republic of Bangladesh of up on equivalent amount for a local burial or cremation in the Country where death occurred.

PERIOD OF INSURANCE:

1. The Insurance shall be valid from the first day of Insurance for the number of days specified and Ceases on his return to Bangladesh.
2. The Insurance shall automatically be extended for a period of 45 days for treatment of covered illness or accident.
3. Extension of the period of Insurance automatic for a period not exceeding seven days and without extra charges if necessitated delay of public transport services beyond the control of the Insured.

RESTRICTED COVER FOR CHILDREN AGE AND UNDER:

This Policy excluded cover for the treatment relating to” Mumps, chicken Pox,German  Measles, SpinaBilido, Whooping cough , Diphtheria, Poliomyelitis, Meningitis and Scarlet feve Fever” and for consequences attributable thereto, accelerated thereby or arising there from.

The Policy does not provide an indemnity in respect of Medical Services the need for which arises out of a pre-existing condition.

Employment and Study

Overseas Mediclaim Insurance for Employment and Studies is available for Bangladesh Nationals temporarily residing outside People’s Republic of Bangladesh having been posted by their Bangladesh Employer to work in that country or for the purpose of furthering their education or solely engaged on research projects.

The Policy is divided into two Plans:

Plan-C: for Bangladeshi’s Staying in Worldwide Excluding USA and Canada.

PLAN-D: for Bangladeshi’s Staying in Worldwide Including USA and Canada.

SCOPE  OF COVER : Interested only for use of Insured Person in the event of a sudden and unexpected Sickness or accident arising when the Insured is staying  outside Bangladesh.

COVERED EXPENSES:  The reasonable and customary fees, charges for unavoidable medical services supplies and treatments authorized by a Licensed Physician and approved by the claims Administrator.

SCHEDULE OF INDEMNIFIED EXPENSES AND BENEFIT:

1. Limited to U.S. $ 75,000 any one Insured Person and in all any one Period of Insurance.
2. Medical Accident and Sickness Expenses as a result of a Covered injury or covered Sickness shall be actually incurred.
3. Coverage for mental ,nervous and emotional disorders is limited to 30 days continuous in hospital expensed only and will be limited to only 50% of such expenses .
4. In the event that the Insured Person is to be evacuated in Bangladesh the Insurers will pay Medical Accident and Sickness Expenses in Bangladesh within the overall Limit of U.S.$. 75,000, Expenses for Evacuation of insured Person’s spouse and Children residing with him upto a limit of U.S.$ 5,000 any one family.
5. In the event of the death of an Insured Person the actual expense incurred for preparation and transportation to Bangladesh of the remains of the Insured Person or Funeral expenses incurred in the country of posting or study up to US$ 8,000 in total will be borne.
6. In the event when as a result of a covered injury or covered sickness an Insured Person is hospitalized and subsequently be medically evacuated to Bangladesh Insurers will pay as Medical emergency Reunion Expenses up to US$ 5,000 in all.
7. In the event the Insured person in unable to continue to complete his course of studies due  to covered injury or covered Sickness first occurring in the country of study resulting in:

1. Death, or (b) Loss of Entire Sight of either both Eyes or (C) permanent total Disablement,and is Medically Evacuated.

The Insurers will pay a benefit to the Nominated sponsor who has provided financial support to the Insured person at a rate of US$ 750 Capital sum for each month completed during the period of Insurance.

8. In the event that Insured person in unable to continue to completion his course of Studies due to mental, nervous or  emotional disorder the Benefit payable is limited to 25% of the amount due.

PERIOD OF INSURANCE:

The Insurance of an Insured Person will become effective on the later of :

1. 12.01 A.M of the effective Date of the Insurance for which premium has been paid.
2. The date the insured person deports from Bangladesh to travel to the country of posting or study. In the event that there is an unexpected delay to the flight, the 48 hour period will be extended until such time as the flight arrives Bangladesh.