Subscription Package
Alo Plus
- Up to Taka 1,10,000 Cash Coverage
- Health Discount
- 1 Video Doctor Consultation / Month
Subscription Cycle: THIRTY_DAYS Price: Taka 69.99 for 1 person
Alo Plus
Description
- Hospital Cash Coverage
•Taka 20,000 annual coverage (Taka 1,000 per night) - Partial Disability Coverage
•Up to Taka 20,000 coverage - Total Disability Coverage
•Taka 20,000 coverage - Complimentary Life Coverage
•Taka 50,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•1 Video Doctor Consultation per month - The validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
- The following conditions are excluded from Cash Coverages:
- All pre-existing conditions;
- Maternity/childbirth related conditions;
- The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
- Any congenital infirmity;
- Any minor surgery or daycare treatment;
- Circumcision, prophylactic and immunisation procedures;
- Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
- Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
- Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
- Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
- Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
- Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
- Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
- Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
- Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem; IgE test, vitamin tests;
- Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
- Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
- 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;
- Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Asha Plus
- Up to Taka 1,75,000 Cash Coverage
- Health Discount
- 2 Video Doctor Consultations / Month
Subscription Cycle: THIRTY_DAYS Price: Taka 149.99 for 1 person
Asha Plus
Description
- Hospital Cash Coverage
•Taka 25,000 annual coverage (Taka 1,500 per night) - Partial Disability Coverage
•Up to Taka 25,000 coverage - Total Disability Coverage
•Taka 25,000 coverage - Complimentary Life Coverage
•Taka 100,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•2 Video Doctor Consultations per month - Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited.
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
- All pre-existing conditions;
- Maternity/childbirth related conditions;
- The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
- Any congenital infirmity;
- Any minor surgery or daycare treatment;
- Circumcision, prophylactic and immunisation procedures;
- Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
- Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
- Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
- Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
- Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
- Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
- Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
- Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
- Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
- IgE test, vitamin tests;
- Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
- Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
- 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;
- Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Astha Plus
- Up to Taka 2,71,500 Cash Coverage
- Health Discount
- 3 Video Doctor Consultations / Month
Subscription Cycle: THIRTY_DAYS Price: Taka 349.99 for 1 person
Astha Plus
Description
- Hospital Cash Coverage
•Taka 30,000 annual coverage (Taka 3,000 per night) - Critical Illnesses Coverage
•Taka 30,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 30,000 coverage - Total Disability Coverage
•Taka 30,000 coverage - Out-Patient Treatment Coverage
•Taka 1,500 annual coverage - Complimentary Life Coverage
•Taka 150,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•3 Video Doctor Consultations per month - Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases, and diagnostic tests are also excluded.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Nirbhay
- Up to Taka 4,52,500 Cash Coverage
- Health Discount
- 5 Video Doctor Consultations / Month
Subscription Cycle: THIRTY_DAYS Price: Taka 519.99 for 1 person
Nirbhay
Description
- Hospital Cash Coverage
•Taka 50,000 annual coverage (Taka 5,000 per night) - Critical Illnesses Coverage
•Taka 50,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 50,000 coverage - Total Disability Coverage
•Taka 50,000 coverage - Out-Patient Treatment Coverage
•Taka 2,500 annual coverage - Complimentary Life Coverage
•Taka 2,50,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•5 Video Doctor Consultations per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
- People aged between 5 to 65 years can avail the services.
- All services except Cash Coverages can be availed immediately after activation of the subscription.
- 30 days waiting period after registration applies for availing Cash Coverages.
- Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
- Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
- Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
|
RIGHT |
|
LEFT |
|
For total loss of an upper member |
70% |
|
60% |
|
For total loss of the hand or forearm |
60% |
|
60% |
|
For total loss of a lower member above knee |
60% |
|
60% |
|
For total loss of a lower member at the level of the knee or below |
50% |
|
50% |
|
For total loss of a foot |
40% |
|
40% |
|
For total loss of the thumb |
18% |
|
16% |
|
For total loss of the index finger |
14% |
|
12% |
|
For total loss of the pinky |
12% |
|
10% |
|
For total loss of the middle finger |
8% |
|
6% |
|
For total loss of the ring finger |
8% |
|
6% |
|
For total loss of the big toe |
|
5% |
|
|
For total loss of any other toe |
|
3% |
|
|
For total deafness of one ear |
|
10% |
|
|
For total deafness, both ears |
|
40% |
|
|
For total loss of visual acuity of one eye |
|
25% |
|
|
For total loss of visual acuity of both eyes |
|
100% |
|
|
For total loss of speech |
|
100% |
|
- Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
- Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
- Complimentary Life Coverage is applicable for accidental deaths only.
- All Cash Coverage claims must be made within 90 days of the incident.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10% - All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
- The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Nischinto
- Up to Taka 9,05,000 Cash Coverage
- Health Discount
- 10 Video Doctor Consultations / Month
Subscription Cycle: THIRTY_DAYS Price: Taka 1098.99 for 1 person
Nischinto
Description
- Hospital Cash Coverage
•Taka 1,00,000 annual coverage (up to 60% for treatment expenses and up to 40% for accommodation) - Critical Illnesses Coverage
•Taka 1,00,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 1,00,000 coverage - Total Disability Coverage
•Taka 1,00,000 coverage - Out-Patient Treatment Coverage
•Taka 5,000 annual coverage - Complimentary Life Coverage
•Taka 500,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•10 Video Doctor Consultations per month - Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
- People aged between 5 to 65 years can avail the services.
- All services except Cash Coverages can be availed immediately after activation of the subscription.
- 30 days waiting period after registration applies for availing Cash Coverages.
- Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Up to 60% of the coverage amount covers for all treatment expenses during hospitalisation (except food and accommodation) and up to 40% of the coverage amount covers for accommodation at a fixed rate of Taka 5,000 per night. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
- Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
- Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
-
RIGHT
LEFT
For total loss of an upper member
70%
60%
For total loss of the hand or forearm
60%
60%
For total loss of a lower member above knee
60%
60%
For total loss of a lower member at the level of the knee or below
50%
50%
For total loss of a foot
40%
40%
For total loss of the thumb
18%
16%
For total loss of the index finger
14%
12%
For total loss of the pinky
12%
10%
For total loss of the middle finger
8%
6%
For total loss of the ring finger
8%
6%
For total loss of the big toe
5%
For total loss of any other toe
3%
For total deafness of one ear
10%
For total deafness, both ears
40%
For total loss of visual acuity of one eye
25%
For total loss of visual acuity of both eyes
100%
For total loss of speech
100%
- Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
- Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
- Complimentary Life Coverage is applicable for accidental deaths only.
- All Cash Coverage claims must be made within 90 days of the incident.
- Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10% - All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
- The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Alo Plus
- Up to Taka 1,10,000 Cash Coverage
- Health Discount
- 1 Video Doctor Consultation / Month
Subscription Cycle: CALENDAR_YEAR Price: Taka 699.99 for 1 person
Alo Plus
Description
- Hospital Cash Coverage
•Taka 20,000 annual coverage (Taka 1,000 per night) - Partial Disability Coverage
•Up to Taka 20,000 coverage - Total Disability Coverage
•Taka 20,000 coverage - Complimentary Life Coverage
•Taka 50,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•1 Video Doctor Consultation per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Asha Plus
- Up to Taka 1,75,000 Cash Coverage
- Health Discount
- 2 Video Doctor Consultations / Month
Subscription Cycle: CALENDAR_YEAR Price: Taka 1649.99 for 1 person
Asha Plus
Description
- Hospital Cash Coverage
•Taka 25,000 annual coverage (Taka 1,500 per night) - Partial Disability Coverage
•Up to Taka 25,000 coverage - Total Disability Coverage
•Taka 25,000 coverage - Complimentary Life Coverage
•Taka 1,00,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•2 Video Doctor Consultations per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- All services can be availed via Chhaya mobile application
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after the payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through the subscription auto-renewal system. Subscribers have the option to cancel their subscriptions at any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Astha Plus
- Up to Taka 2,71,500 Cash Coverage
- Health Discount
- 3 Video Doctor Consultations / Month
Subscription Cycle: CALENDAR_YEAR Price: Taka 3799.99 for 1 person
Astha Plus
Description
- Hospital Cash Coverage
•Taka 30,000 annual coverage (Taka 3,000 per night) - Critical Illnesses Coverage
•Taka 30,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 30,000 coverage - Total Disability Coverage
•Taka 30,000 coverage - Out-Patient Treatment Coverage
•Taka 1,500 annual coverage - Complimentary Life Coverage
•Taka 1,50,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•3 Video Doctor Consultations per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
·
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases, and diagnostic tests are also excluded.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Nirbhay
- Up to Taka 4,52,500 Cash Coverage
- Health Discount
- 5 Video Doctor Consultations / Month
Subscription Cycle: CALENDAR_YEAR Price: Taka 5649.99 for 1 person
Nirbhay
Description
- 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- All services can be availed via Chhaya mobile application
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
- Hospital Cash Coverage
•Taka 50,000 annual coverage (Taka 5,000 per night) - Critical Illnesses Coverage
•Taka 50,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 50,000 coverage - Total Disability Coverage
•Taka 50,000 coverage - Out-Patient Treatment Coverage
•Taka 2,500 annual coverage - Complimentary Life Coverage
•Taka 50,000 coverage for accidental death - Health Discount
•Up to 40% discount on bills from partner health outlets - Doctor Consultation
•5 Video Doctor Consultations per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- All services can be availed via Chhaya mobile application
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
|
RIGHT |
LEFT |
||
|
For total loss of an upper member |
70% |
60% |
|
|
For total loss of the hand or forearm |
60% |
60% |
|
|
For total loss of a lower member above knee |
60% |
60% |
|
|
For total loss of a lower member at the level of the knee or below |
50% |
50% |
|
|
For total loss of a foot |
40% |
40% |
|
|
For total loss of the thumb |
18% |
16% |
|
|
For total loss of the index finger |
14% |
12% |
|
|
For total loss of the pinky |
12% |
10% |
|
|
For total loss of the middle finger |
8% |
6% |
|
|
For total loss of the ring finger |
8% |
6% |
|
|
For total loss of the big toe |
5% |
||
|
For total loss of any other toe |
3% |
||
|
For total deafness of one ear |
10% |
||
|
For total deafness, both ears |
40% |
||
|
For total loss of visual acuity of one eye |
25% |
||
|
For total loss of visual acuity of both eyes |
100% |
||
|
For total loss of speech |
100% |
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
-
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases, and diagnostic tests are also excluded.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
-
Eligibility for Cash Coverages in a particular calendar month will be determined based on payments made in the previous calendar month. Payments of monthly subscription fees is mandatory for one to become eligible for Cash Coverages in the following calendar month.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
All services will be temporarily suspended if monthly subscription fees are not paid for three consecutive months. Counting of 30 days waiting period for Cash Coverages eligibility will apply once again after payment of monthly subscription fees resumes thereafter.
-
The initial duration of the subscription is 12 months, extendable on a rolling monthly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Nischinto
- Up to Taka 9,05,000 Cash Coverage
- Health Discount
- 10 Video Doctor Consultations / Month
Subscription Cycle: CALENDAR_YEAR Price: Taka 11899.99 for 1 person
Nischinto
Description
- Hospital Cash Coverage
•Taka 1,00,000 annual coverage (up to 60% for treatment expenses and up to 40% for accommodation) - Critical Illnesses Coverage
•Taka 1,00,000 total coverage (17 specific conditions covered) - Partial Disability Coverage
•Up to Taka 1,00,000 coverage - Total Disability Coverage
•Taka 1,00,000 coverage - Out-Patient Treatment Coverage
•Taka 5,000 annual coverage - Complimentary Life Coverage
•Taka 5,00,000 coverage for accidental death - Health Discount
•Up to 30% discount on bills from partner health outlets - Doctor Consultation
•10 Video Doctor Consultations per month - 1 person covered
- Aged between 5 to 65 years
- Validity of the package will be extended automatically through a subscription auto-renewal system
- All services can be availed via Chhaya mobile application
- Risks of the Cash Coverages will be underwritten by Protective Islami Life Insurance Limited
Terms and Conditions
-
-
People aged between 5 to 65 years can avail the services.
-
All services except Cash Coverages can be availed immediately after activation of the subscription.
-
30 days waiting period after registration applies for availing Cash Coverages.
-
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Up to 60% of the coverage amount covers for all treatment expenses during hospitalisation (except food and accommodation) and up to 40% of the coverage amount covers for accommodation at a fixed rate of Taka 5,000 per night. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
-
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
-
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:
RIGHT
LEFT
For total loss of an upper member
70%
60%
For total loss of the hand or forearm
60%
60%
For total loss of a lower member above knee
60%
60%
For total loss of a lower member at the level of the knee or below
50%
50%
For total loss of a foot
40%
40%
For total loss of the thumb
18%
16%
For total loss of the index finger
14%
12%
For total loss of the pinky
12%
10%
For total loss of the middle finger
8%
6%
For total loss of the ring finger
8%
6%
For total loss of the big toe
5%
For total loss of any other toe
3%
For total deafness of one ear
10%
For total deafness, both ears
40%
For total loss of visual acuity of one eye
25%
For total loss of visual acuity of both eyes
100%
For total loss of speech
100%
-
Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
- Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
-
Complimentary Life Coverage is applicable for accidental deaths only.
-
All Cash Coverage claims must be made within 90 days of the incident.
- Doctor Consultation services are facilitated through Chhaya’s integration with DocTime. Users may initiate a consultation by selecting the “Get Doctor Consultation Now” option via the Chhaya web application, which redirects to the DocTime web platform for instant video consultation with a licensed general physician. E-prescriptions will be issued via the DocTime web app following the consultation. Chhaya shall not be held liable for any medical errors, including incorrect diagnoses or treatments prescribed during the consultation.
- Health Discounts are available exclusively at active Chhaya partner outlets, as listed on the the Chhaya Partnered Healthcare Service Providers page. This list is subject to change, and previously listed partners may discontinue their affiliation without prior notice. Discounts are offered at the discretion of each partner outlet. If a listed outlet declines to provide a discount, Chhaya will make reasonable efforts to facilitate the benefit through alternative partners. Maximum discount percentages by service category:
Diagnostic tests: up to 40%
Pharmacy: up to 8%
Hospitalization: up to 15%
Ambulance services: up to 10%
-
The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.
-
Exclusion Clauses
The following conditions are excluded from Cash Coverages:
-
All pre-existing conditions;
-
Maternity/childbirth related conditions;
-
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
-
Any congenital infirmity;
-
Any minor surgery or daycare treatment;
-
Circumcision, prophylactic and immunisation procedures;
-
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
-
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
-
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
-
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
-
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
-
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
-
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
-
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
-
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
-
IgE test, vitamin tests;
-
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
-
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
-
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;
-
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
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