International Travel Bima - Silver

Overview

Entry-tier international travel health, accident, and life cover for Bangladeshi nationals travelling abroad, aged 6 months to 65 years. Claims are settled in the BDT equivalent at the Central Bank's declared conversion rate.

Coverage Duration

Up to 15 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.*