1/A, Dilkusha Commercial Area, Purbani Annex Building (1st  Floor)     

Dhaka -1000, Bangladesh, G.P.O Box No: 3647

Phone: 880 2956 3609, Fax: 8802 956 3576, 

Email: mail@phoenixinsurance.com.bd 

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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