Passenger Bima

Overview

A single-journey personal accident and travel ailment cover for Bangladeshi nationals travelling domestically by air or bus, aged between 6 months and 65 years at subscription.

Coverage Duration

1 day (the day of actual travel), with extended coverage of 2 days for Travel Ailments and 7 days for Dengue Fever.

Sub-limits for Accidental Injury Benefits

• Head Injury: BDT. 25,000
• 2nd & 3rd Degree Burn: BDT. 18,750
• Chest Injury, Internal Organ Injury: BDT. 12,500
• Acute Lung Injury, Acute Respiratory Distress Syndrome: BDT. 10,000
• Fracture, Dislocation, Amputation: BDT. 6,250
• Cut Injury, Abrasions, Soft Tissue Injury, 1st Degree Burn: BDT. 2,500

Limitations

• Minors (below 18) must travel with a parent/legal guardian who holds a separate subscription.
• Coverage applies only for travel within Bangladesh.
• 48-hour waiting period from departure applies for Dengue Fever.
• Dengue Fever is covered only if diagnosis is confirmed within 7 days of the journey.
• Only one claim is payable per illness/accident even if covered under multiple subscriptions.

Exclusions

General

• Any pre-existing illness, disability, or condition preceding the coverage start date
• Mental, emotional, or psychiatric disorders, alcoholism, or narcotic addiction
• Conditions arising from consuming addictive substances
• AIDS, AIDS-related illness, HIV, or sexually transmitted diseases
• Treatment/advice by a practitioner not registered with BMDC

Accidental Death

• Death from self-inflicted injury, assault, or unlawful/illegal activity
• Suicide, whether sane or insane

Accidental Injury

• Injury arising from unlawful activity or while under the influence of addictive substances