International Travel Bima - Gold

Overview

Same benefit structure as International Travel Bima - Silver, extended to cover longer international trips of up to 30 days. Claims are settled in the BDT equivalent at the Central Bank's declared conversion rate.

Coverage Duration

Up to 30 days.

Sub-limits for Accidental Injury Benefits

• Head Injury: USD $500
• Chest Injury, Internal Organ Injury, 3rd-degree burn: USD $250
• Acute Lung Injury/Acute Respiratory Distress Syndrome due to drowning: USD $150
• Fracture, Dislocation, Amputation, 2nd-degree Burn: USD $150
• Cut Injury, Abrasions, Soft Tissue Injury, 1st Degree Burn: USD $50

Sub-limits for Out-door Doctor Visits/Consultations

• Maximum 2 visits covered
• Up to USD $25 reimbursed per visit

Limitations

• Minors (below 18) must travel with a parent/legal guardian who holds a separate subscription.
• Coverage applies only outside Bangladesh and ceases immediately upon return, regardless of policy expiry.
• Only one claim is payable per illness/accident even if covered under multiple subscriptions.

Exclusions

Death Benefit

• Pre-existing illness/disability preceding coverage start
• Illegal activity or felony
• Suicide, sane or insane
• AIDS/HIV-related conditions
• Maternity/childbirth-related conditions

Accidental Injury Benefit

• Illegal activity or felony
• Under the influence of prohibited narcotics
• Attempted suicide, sane or insane

Hospitalization Allowance Benefit

• Pre-existing illness preceding coverage start
• AIDS/HIV-related conditions
• Psychiatric, mental, or nervous disorders
• Nuclear/radioactive exposure
• Childbirth or maternity-related conditions
• Dental/optical treatment (non-accident)
• Congenital conditions
• Hospitalization without a registered physician's recommendation
• Obesity/cosmetic treatment (unless reconstructive, post-accident)
• Experimental or alternative medicine

Emergency Transportation Coverage

• Pre-existing illness/disability preceding coverage start
• Illegal activity
• Prohibited narcotics use
• AIDS/HIV-related conditions

Out-door Doctor Visit/Consultation Coverage

• Pre-existing illness preceding coverage start
• Illegal activity
• Routine eye/ear exams, glasses, hearing aids, dental treatment (non-accident)
• Routine health screening
• Sleep disorders
• Maternity/fertility treatment
• Experimental or alternative medicine
• AIDS/HIV-related conditions
• Treatment/advice from a non-registered practitioner

*Claims are settled at the equivalent Bangladeshi Taka value, per the conversion rate declared by the Central Bank.*