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Products & Services >> Health Plan Insurance>>
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THE
HEALTH PLAN INSURANCE is a group Medical Insurance Package that
has been adequately tailored to the requirements of the employees of
the corporate bodies. The Employers can take this Health Plan as a
welfare scheme for their salaried employees together with their
family members at a minimum cost of premium.
Brief of the Plan and Benefits of the Health Plan Insurance are
appended below.
LIMIT OF LIABILITY:
The total maximum amount of cover to each insured shall be limited
to Tk. 75, 000.00, tk.5O, 000.00 & Tk. 25,0001- respectively for the
three different plans known as SUPER PLAN, STANDARD PLAN & BASIC
PLAN.
SCOPE OF COVER:
ILLNESS, SICKNESS, SURGICAL OPERATION AND ANY TYPE OF ACCIDENT.
MAIN FEATURES:
1. An employee shall be eligible for membership of the plan on the
date on which he completes at least 90 days of continuous active
service with the employer and anyone within the age limit of 18 to
60 years may obtain this insurance policy.
2. An employee can be a member at any time after the effective date
of this contract paying pro rata basis premium.
3. A member under this plan would be under 60 years (and shall cease
to be a member the date on which the member retires or attains the
age of 60 years, which ever is earlier).
4. The employer shall be entitled to receive "No claim discount" in
respect of a member that there shall not have been any claim through
out the year.
5. Period of Insurance is one year effective from the date of
commencement and this contract is renewable.
COVERED EXPENSES: (Per Confinement) |
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EXPENSE IN RESPECT OF |
AMOUNT PAY |
| Super
Plan |
Standard Plan |
Basic
Plan |
Hospital accommodation (including all room
Services and telephone charges)
(Maximum or Actual Cost Per day) |
Tk.
1,500.00 |
Tk.
1,200.00 |
Tk.
600. 00 |
Consultant's fee
(Maximum or Actual Cost Per day) |
Tk.
500 . 00
|
Tk.
500 . 00 |
Tk.
300 . 00 |
Routine Investigations
(Maximum or Actual) |
Tk.
1,500.00 |
Tk.
1,000.00 |
Tk.
1,000.00 |
Medicine and drugs
(Prescribed by the Consultant) |
Tk.
6,000.00 |
Tk.
4,000.00 |
Tk.
2,000. 00 |
Intervention for:
Major Surgical Operation
Intermediate Surgical Operation
(Maximum or Actual Cost Per case) |
Tk.15,000,00
Tk.10,000,00 |
Tk.15,000,00
Tk.10,000.00 |
Tk.15,000.00
Tk.10,000.00 |
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Ancillary Services as follows: |
80%
of the total amount or maximum: |
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(Labor room services; post-operative care facilities, oxygen
therapy, skilled nursing services, intensive care facility,
blood transfusions ambulance service, dressing, and tests other
than routine investigations) |
Tk.8,000,00 |
Tk.6,000.00 |
Tk.3,000.00 |
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Claims in respect of surgical intervention this limit is
increased to Tk.12,OOO.OO, Tk.1O,OOO.OO & Tk. 5000.00
respectively. |
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GENERAL CONDITIONS |
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1.
Policy liability for each Confinement shall be limited to a
maximum of twenty-one days. Successive periods of hospital
confinement within 90 days due to the same disability are
considered as single period. However, in no event shall the
benefit exceed the limit set forth in the Schedule of this
contract. On the other hand, confinement shall mean an admission
to a Hospital within the territory of Bangladesh for a period of
at least twenty-four consecutive hours.
2. There is a PRE-EXISTING CONDITION in the policy, i.e. any
illness or disability of which symptom') were evident or for
which he (Insured Person) received medical advice or treatment
within twelve months immediately prior to the date of his
membership of the plan is not covered under this Insurance.
3. Any charges / cost for Foods or Food supplements, Cosmetics
of any nature, Water purifier are excluded.
4. Maternal benefits for pregnancy or childbirth are covered
only after nine months from the commencement date of this
contract etc. |
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