Overseas Mediclaim

Overseas Mediclaim Insurance: is available for Bangladeshi nationals visiting abroad, such as SCHENGEN countries, for the purpose of business, holiday, tours, temporarily staying out side Bangladesh for Studies or employment under Bangladeshi employer.

Scope of Cover:

Intended only for use of insured person in the event of a sudden & unexpected sickness or accident arising when the Insured is staying out side Bangladesh. For the purpose of premium rates & benefits available Overseas Mediclaim Insurance’s are divided in two plans.

Maximum Limit of Liability
Business & Holiday:   Plan-A (Other than USA & Canada) US$ 50,000.00
Plan-B (USA & Canada)     US$ 1,00,000.00

Premium Rating Structure (Bangladesh):
Non Schengen Countries

1) Business & Holiday: For period up-to 180 days.

Premium rate for Business & Holiday tour depends on age, number of days staying outside & plan under which the cover to be provided. Any citizen of Bangladesh or foreigner domiciled in Bangladesh age group between 0.5 to 79 years may take this policy.

Plan “A” (World wide excluding USA and Canada)
Age Band 0.5-40 years 41-50 years 51-55 years 56-59 years 60-65 years 66-70 years 71-75 years 76-79 years
1-14 1,115 1,674 2,249 2,812 4,920 7,318 12,807 25,614
15-21 1,162 1,785 2,398 2,997 5,245 7,801 13,652 27,304
22-28 1,301 1,992 2,678 3,346 5,856 8,710 15,243 30,486
29-35 1,605 2,406 3,233 4,043 7,075 10,523 18,416 36,832
36-47 1,838 2,757 3,707 4,634 8,109 12,062 21,109 42,217
48-60 2,162 3,266 4,391 5,488 9,604 14,286 25,001 50,002
61-75 2,673 4,032 5,420 6,776 11,858 17,638 30,867 61,733
76-90 3,195 4,780 6,426 8,033 14,056 20,909 36,591 73,181
91-120 5,403 8,157 10,966 13,708 No Cover No Cover No Cover No Cover
121-147 6,507 9,782 13,152 16,441 No Cover No Cover No Cover No Cover
148-180 9,041 13,493 18,293 22,867 No Cover No Cover No Cover No Cover

Plan “B” (World wide including USA and Canada)
Age Band 0.5-40 years 41-50 years 51-55 years 56-59 years 60-65 years 66-70 years 71-75 years 76-79 years
1-14 2,042 3,780 4,798 5,998 10,497 15,614 27,324 54,648
15-21 2,170 4,049 5,141 6,426 11,246 16,728 29,273 58,547
22-28 2,452 4,691 5,956 7,444 13,027 19,378 33,911 67,822
29-35 2,944 5,534 7,027 8,783 15,370 22,862 40,009 80,019
36-47 3,511 6,747 8,568 10,710 18,743 27,879 48,789 97,578
48-60 5,656 10,964 13,923 17,404 30,457 45,305 79,284 1,58,568
61-75 8,133 16,119 20,135 25,169 44,044 65,516 1,14,653 2,29,306
76-90 9,787 19,060 24,205 30,256 52,948 78,760 1,37,831 2,75,662
91-120 13,788 26,989 34,272 42,840 No Cover No Cover No Cover No Cover
121-147 18,307 35,929 45,625 57,031 No Cover No Cover No Cover No Cover
148-180 24,245 47,705 60,577 75,721 No Cover No Cover No Cover No Cover

2) Employment and Studies: For periods exceeding 180 days, but not exceeding 12 months. The premium rates are quoted on “Per Month” basis.

Maximum Limit of Liability
Employment & Studies:          Plan-C (Other than USA & Canada) US$ 75,000.00
Plan-D (USA & Canada)                  US$ 75,000.00

Premium rate for Employment & Studies depends on either type of policy on the basis of age group & number of days staying outside as well as plan. For employment policy premium to be paid in foreign currency per person per month for age group 18 to 59 years. For studies policy premium to be paid in Bangladesh taka as per plan per person per month basis age group between 18 to 59 years.

 

a) Employment: Premium to be collected in foreign currency (USD):

 

Plan “C” (Worldwide excluding USA & Canada

Plan “D” (Worldwide including USA & Canada

Age group (years)

18-40

41-59

18-40

41-59

1. Premium per person per month or part thereof for participant/Accompanying spouse.

USD 58.10

USD 92.82

USD 100.69

USD 192.78

2. Premium per child per month or part thereof child (under 18 Yrs)

USD 20.37

USD 85.20

 

b) Studies: Premium to be collected in Bangladesh Taka (BDT):

 

Plan “C” (Worldwide excluding USA & Canada

Plan “D” (Worldwide including USA & Canada

Age group (years)

18-40

41-59

18-40

41-59

1. Premium per person per month or part thereof for participant/Accompanying spouse.

BDT 1,675

BDT 2,529

BDT 2,696

BDT 5,100

Deductibles:

Insured persons aged up-to 59 Years:

In respect of all PLANS above the deductible is USD 150 or 22.5% of the total amount of the claim each and every claim, whichever is the greater.

Insured persons aged up-to 60 to 79 Years:

In respect of all PLANS “A” and “B” above the deductible is USD 750 or 30.00% of the total amount of the claim each and every claim, whichever is the greater.

 

Premium Rating Structure (Bangladesh):
Schengen Countries Only

1) Business & Holiday: For periods upto 180 days.

Plan “A” (World wide excluding USA and Canada)
Age Band 0.5-40 years 41-50 years 51-55 years 56-59 years 60-65 years 66-70 years 71-75 years 76-79 years
1-14 1,394 2,092 2,812 3,515 6,150 9,148 16,009 32,017
15-21 1,453 2,231 2,997 3,747 6,556 9,752 17,066 34,132
22-28 1,627 2,490 3,347 4,183 7,319 10,888 19,053 38,106
29-35 2,006 3,007 4,042 5,054 8,843 13,155 23,020 46,041
36-47 2,298 3,447 4,633 5,793 10,136 15,078 26,386 52,772
48-60 2,702 4,083 5,489 6,860 12,005 17,858 31,252 62,503
61-75 3,341 5,040 6,775 8,470 14,822 22,048 38,584 77,169
76-90 3,994 5,975 8,033 10,041 17,570 26,136 45,738 91,476
91-120 6,753 10,197 13,707 17,135 No Cover No Cover No Cover No Cover
121-147 8,134 12,227 16,440 20,551 No Cover No Cover No Cover No Cover
148-180 11,301 16,867 22,866 28,584 No Cover No Cover No Cover No Cover

Plan “B” (World wide including USA and Canada)
Age Band 0.5-40 years 41-50 years 51-55 years 56-59 years 60-65 years 66-70 years 71-75 years 76-79 years
1-14 2,553 4,725 5,998 7,498 13,121 19,517 34,155 68,309
15-21 2,712 5,061 6,426 8,033 14,057 20,910 36,593 73,186
22-28 3,065 5,864 7,445 9,306 16,284 24,223 42,390 84,780
29-35 3,681 6,918 8,784 10,979 19,213 28,579 50,013 1,00,025
36-47 4,389 8,435 10,710 13,388 23,429 34,850 60,987 1,21,975
48-60 7,070 13,705 17,404 21,755 38,072 56,631 99,105 1,98,210
61-75 10,166 19,820 25,169 31,461 55,055 81,895 1,43,316 2,86,632
76-90 12,234 23,826 30,256 37,820 66,185 98,451 1,72,288 3,44,577
91-120 17,235 33,737 42,840 53,550 No Cover No Cover No Cover No Cover
121-147 22,885 49,161 57,031 71,289 No Cover No Cover No Cover No Cover
148-180 30,307 59,631 75,721 94,651 No Cover No Cover No Cover No Cover

2) Employment and Studies: For periods exceeding 180 days, but not exceeding 12 months. The premium rates are quoted on “Per Month” basis.

Maximum Limit of Liability
Employment & Studies: Plan-C (Other than USA & Canada) US$ 75,000.00
Plan-D (USA & Canada)               US$ 75,000.00

Premium rate for Employment & Studies depends on either type of policy on the basis of age group & number of days staying outside as well as plan. For employment policy premium to be paid in foreign currency per person per month for age group 18 to 59 years. For studies policy premium to be paid in Bangladesh taka as per plan per person per month basis age group between 18 to 59 years.

a) Employment: Premium to be collected in foreign currency (USD):

 

Plan “C” (Worldwide excluding USA & Canada

Plan “D” (Worldwide including USA & Canada

Age group (years)

18-40

41-59

18-40

41-59

1. Premium per person per month or part thereof for participant/Accompanying spouse.

USD 72.62

USD 116.03

USD 125.87

USD 240.98

2. Premium per child per month or part thereof child (under 18 Yrs)

USD 25.46

USD 106.51

 

b) Studies: Premium to be collected in BDT:

 

Plan “C” (Worldwide excluding USA & Canada

Plan “D” (Worldwide including USA & Canada

Age group (years)

18-40

41-59

18-40

41-59

1. Premium per person per month or part thereof for participant/Accompanying spouse.

BDT 2,093.13

BDT 3,160.94

BDT 3,370.25

BDT 6,375

 

Deductibles:

No deductibles for policies issued for travel to Schengen Countries.

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