Shurokkha 365 - Green Delta Insurance

Terms & Limitations
- 1-year coverage duration from the date of registration
- Coverage is for 1 Bangladeshi adult person with good health conditions
- Age limit - 18 to 65 Years
- MBBS or above qualified doctor’s recommendation required for hospitalization
- Hospital must be registered with the government authority
- Outpatient services must be prescribed by MBBS doctor
- Minimum 24 hours stay is required for hospitalization claim
- Claims must be submitted within 15 days of treatment/discharge
Required Documents for Claim
- Send the clear photos of the required documents along with your registered Name, Mobile Number & Policy Number to this WhatsApp number: +8801617666888 (WhatsApp only)
- Once the phone number is verified and all documents are submitted, the insured or nominee will be contacted by GDIC team for further verification or claim settlement
Hospitalization Benefit Claims (Scanned images or clear photographs):
- Doctor’s advice/prescription for hospital admission
- NID/Passport of the Covered Person
- Discharge certificate from the hospital
- Diagnostic test reports
- Hospital bill/ticket
- Treatment Sheet
- Any other supporting documents which may be required
Covid-19 Hospitalization Benefit Claims
- Doctor’s recommendation for COVID-19 test
- NID/Passport of the Covered Person
- COVID-19 positive report/SMS from a Government approved hospital
- RT-PCR test is required
- Any other supporting documents which may be required
Exclusions

No benefit shall be paid under this Policy for expenses or losses resulting from or incurred in connection with or in consequence of the followings:
- any congenital infirmity
- any pre-existing Condition
- mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
- prophylactic and immunization procedures
- any procedure which is experimental or not generally accepted by the medical profession (i.e.; acupuncture)
- Any cosmetic or plastic treatment/surgery unless required as reconstructive surgery as a consequence of an injury due to accidents or burns.
- Rest, convalescence or rejuvenation cures, thermal baths or confinement for the purposes of slimming or beautification.
- Family planning purposes including termination of pregnancy during the first twelve weeks from the date conception, sterility
- Willful abortion or any complication and/or sequel there from.
- Attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug.
- Routine examination of eye and ear, fitting or replacement of eyeglasses (including Contact lenses) or hearing aids.
- Routine physical examinations (health check-ups), radiotherapy (X-ray, radium or radioactive isotopes treatment), chemotherapy or any form of treatment when not incidental or necessary to the treatment of the injury/illness which caused the hospitalization
- Any types of dental & optical treatment
- Injury arising due to accident while participating in any unlawful activities (e.g. driving a car without a license)
- Non-surgical care for tuberculosis
- Injury or disease directly or indirectly attributed to or civil commotion
- Circumcision
- Injury, destruction or damage caused by nuclear fission, nuclear fusion or irradiation
- AIDS and HIV related diseased.
- Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
- Diagnostic tests conducted without recommendation from a MBBS doctor
- Pre-existing (if diagnosed before the enrollment) conditions requiring surgery - for which surgery was done after the enrollment.
- Pre-existing covid-19 not covered
- Other pre-existing cases like problems arising from narcotics abuse, self-harm, or unlawful activities.
- Hospice and end of life care
- Maternity related claim will be not cover for the both segment (IPD&OPD).
- This Waiting Period is also separately applicable for each Family Member(s) of Primary Member. Waiting Period (30 days) for Family Member(s) shall commence from the day of addition of Family Member(s) to the Package
- Health Toiletries (e.g., anti-lice shampoo)
- Drinks (e.g., energy builders)
- Meal for attendant

Individual	Coverage BDT
Accidents, Diseases & COVID-19	Up to BDT 1,00,000 Per Person Per Year

Details	Amount (BDT)
Insurance Premium	TK 204
VAT 15%	31
Stamp	0
Total	235

How to Submit a Claim

1st Step

Insured will send the clear photos of the required documents along with his/her registered Name, Mobile Number & Policy Number to this WhatsApp number: +8801617666888 (WhatsApp only)

Following is the document list for claim submission: (not limited to)
- Policy Number
- Policyholder’s NID number
- Policyholder’s registered mobile number
- Nominee’s registered mobile number
- Copies of prescription for diagnostic test, treatment advise, medical references
- Original set of investigation reports
- Itemized original hospital bill and receipts Hospital and related original medical expense receipt Pharmacy bills in original with prescriptions
- And other relevant documents as per insurance policy
2nd Step

Once the phone number is verified and all documents are submitted, the insured or nominee will be contacted by GDIC team.

Claim Processing/Settlement:

1st Step:
- GDIC will review, verify and validate the submitted claims document by the insured.
2nd Step:
- GDIC claim or concern department will contact with the insured or nominee for verification if required
3rd Step

Approved or rejected claim will get the final confirmations within 15 working days. Confirmation includes payment to insured with regards final claim settlement decision.

Other Terms & Conditions:
- Insured must provide intimation to Insurer immediately and in any event within 48 hours from the date of Hospitalization . However, the Insurer at his sole discretion may relax this condition subject to a justifiable reason/evidence being produced by the Insured on the reasons for such a delay beyond the stipulated 48 hours and up to a maximum period of 7 days.
- Insured has to file the claim with all necessary documentation within 15 days of treatment/discharge from the Hospital.
- Insured must give clear pictures of all original bills, receipts, certificates, information and evidences from the attending Medical Practitioner /Hospital /Diagnostic Laboratory as required by Insurer.
- All the bills, prescription and required documents should have the insured person’s name written clearly and the date should be mentioned properly.
- On receipt of intimation from Insured regarding a claim under the policy, Insurer/Administrator is entitled to carry out examination and obtain information on any alleged Injury or Disease requiring Hospitalization if and when Insurer may reasonably require.

Hotline: 16457

Health Cashback Facilities

SUM INSURED: TK.

Referral Code Information
For Shurokkha 365

Terms & Limitations

Required Documents for Claim

Hospitalization Benefit Claims (Scanned images or clear photographs):

Covid-19 Hospitalization Benefit Claims

Exclusions

Coverage & Benefits

Premium

How to Submit a Claim

1st Step

2nd Step

Claim Processing/Settlement:

1st Step:

2nd Step:

3rd Step

Other Terms & Conditions:

Health Cashback Facilities

SUM INSURED: TK.

Referral Code Information For Shurokkha 365

Terms & Limitations

Required Documents for Claim

Hospitalization Benefit Claims (Scanned images or clear photographs):

Covid-19 Hospitalization Benefit Claims

Exclusions

Coverage & Benefits

Premium

How to Submit a Claim

1st Step

2nd Step

Claim Processing/Settlement:

1st Step:

2nd Step:

3rd Step

Other Terms & Conditions:

Referral Code Information
For Shurokkha 365