Health Insurance

Health Insurance is now considered indispensable in developed countries. In the present financial-social perspective of Bangladesh as well, Health Insurance has now become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows:

Hospitalization (In-patient) treatment coverage plans

  • Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired)
  • Hospitalization Insurance Plan (Individual) – offered to an Individual as well as his or her dependant family members also known as "DeltaCare Hospitalization Plan".

Out-patient treatment coverage plans

  • Out-patient Insurance Plan - Offered as an adjunct to Group Hospitalization
  • Out-patient Management Plan - Offered as an adjunct to Group Hospitalization

Overseas treatment coverage plan for travelers

  • Overseas Medicliam Policy (OMP) – A pre-requisite for visa application offered only to Individuals traveling abroad.

Hospitalization Insurance Plans

  • Covers in-patient (Hospitalization) treatment expenses of an insured member

Expenses Covered under Hospitalization Insurance Plans

  • Hospital Accommodation
  • Consultation Fee
  • Medicine & Accessories
  • Medical Investigations
  • Surgical Operation
  • Ancillary Services like Blood Transfusion, Ambulance Service, Dressing etc.

General Features of the Scheme

  • No need for preliminary Medical Examination during enrolment.
  • Treatment coverage round the clock inclusive of Accidents and Emergencies.
  • Coverage offered to Bangladeshi National as well as resident foreigner.
  • Treatment at any renowned hospital or clinic by consultant of own choice.
  • Preferential service at Designated Hospital.
  • Direct payment of treatment expenses by the company at Designated Hospital.
  • Reimbursement of expenses for treatment at non-designated hospital.
  • Membership ID Card for each insured to facilitate preferential services.
  • Option for Maternity Benefit and Overseas Treatment coverage.
  • Provision for inclusion of Spouse & Children under the plan.
  • Provision for inclusion of new member under the plan.
  • Coverage up to 65 years under Group HI & 60 years under Individual HI plan.
  • Two types of plans with several benefit grades to choose from.
  • Option to choose more than one grade according to status of the members of a group.
  • Option to alter benefit grade during renewal.

Exclusion from Coverage: Major Exclusions include

  • Congenital infirmity
  • Pre-existing condition for certain period
  • Psychiatric disorders and narcotic addiction
  • Attempted suicide and self-inflicted injury
  • Dental Treatment
  • Pre or post hospitalization expenses and out patient treatment expenses
  • War risk, civil commotion or violence
  • Routine health checkup
  • Treatment for family planning purpose, contraception and infertility

Group Hospitalization Insurance Plans

Types of plan offered:

Standard Plan: Distinctive Hospitalization Insurance Plan of Delta Life
Customized Plan: Tailored to the need and desire of the client.
Standard Plan: Five Grades of benefits are offered under standard plan to choose from
Benifit Grade Mastercare Supercare Deluxcare Exclusivecare Royalcare
Max Benifit for each Insurred per year Tk. 25,000 Tk. 45,000 Tk. 75,000 Tk. 100,000 Tk. 140,000

Benefit Schedule & Premium Rate
Benefit per Hospitalization
Benefit Grades Mastercare Supercare Deluxcare Exclusivecare Royalcare
Max. Benefit (Each Insured Per Year) Tk. 25,000 Tk. 45,000 Tk. 75,000 Tk. 100,000 Tk. 140,000
Hospital Stay (Maximum days) 10 12 15 18 20
Room Rent (Actual Expenditure upto a Maximum Amount Per Day) Tk. 500 Tk. 1,000 Tk. 1,500 Tk. 1,800 Tk. 2,000
Consultation Fee (Actual Fee upto a Maximum Amount Per Visit & One Visit Daily) Tk. 300 Tk. 500 Tk. 500 Tk. 500 Tk. 500
Routine Investigations (Actual Expenditure upto a Maximum Amount) Tk. 1,000 Tk. 1,200 Tk. 1,400 Tk. 1,600 Tk. 2,000
Medicines & Accessories
(Actual Expenditure upto a Maximum Amount)
In Case of Surgical Treatment Tk. 2,000 Tk. 4,000 Tk. 6,000 Tk. 8,000 Tk. 10,000
In Case of Conservative Treatment Tk. 5,000 Tk. 10,000 Tk. 12,500 Tk. 15,000 Tk. 18,000
Surgery (Actual Expenditure upto a Maximum Amount)
Major Intermediate Tk. 12,000 Tk. 14,000 Tk. 16,000 Tk. 20,000 Tk. 22,000
Charges included for Surgeon, Assistant, Operation Theater & Anaesthesia Tk. 6,000 Tk. 8,000 Tk. 10,000 Tk. 12,000 Tk. 15,000
Ancillary Services (80% of Actual Expenditure upto a Maximum Amount) Tk. 2,000 Tk. 5,000 Tk. 8,000 Tk. 10,000 Tk. 12,000

Premium (For each insured per year) based on Age Attained (in Years)
Benefit Grades Mastercare Supercare Deluxcare Exclusivecare Royalcare
18 to 35 Years
Employee Tk. 600 Tk. 1,080 Tk. 1,535 Tk. 1,920 Tk. 3,360
Spouse Tk. 510 Tk. 920 Tk. 1,310 Tk. 1,630 Tk. 2,855
35+ to 45 Years
Employee Tk. 750 Tk. 1,350 Tk. 1,795 Tk. 2,160 Tk. 3,780
Spouse Tk. 635 Tk. 1,145 Tk. 1,520 Tk. 1,835 Tk. 3,210
45+ to 50 Years
Employee Tk. 1,050 Tk. 1,890 Tk. 2,300 Tk. 2,640 Tk. 4,620
Spouse Tk. 895 Tk. 1,605 Tk. 1,955 Tk. 2,245 Tk. 3,930
50+ to 55 Years
Employee Tk. 1,500 Tk. 2,700 Tk. 3,060 Tk. 3,360 Tk. 5,880
Spouse Tk. 1,275 Tk. 2,295 Tk. 2,605 Tk. 2,855 Tk. 4,995
55+ to 60 Years
Employee Tk. 2,100 Tk. 3,780 Tk. 4,075 Tk. 4,320 Tk. 7,560
Spouse Tk. 1,785 Tk. 3,215 Tk. 3,420 Tk. 3,670 Tk. 6,425
60+ to 65 Years
Employee Tk. 3,150 Tk. 5,670 Tk. 6,113 Tk. 6,480 Tk. 11,340
Spouse Tk. 2,678 Tk. 4,823 Tk. 5,130 Tk. 5,505 Tk. 9,683
Each Child (Below 25 Years) Tk. 510 Tk. 920 Tk. 1,310 Tk. 1,630 Tk. 2,855

Maternity Benefit (Maximum Amount as per Benefit Schedule above)
Benefit Grades Mastercare Supercare Deluxcare Exclusivecare Royalcare
Normal Delivery Tk. 5,000 Tk. 7,500 Tk. 10,000 Tk. 12,500 Tk. 15,000
Caesarian Delivery Tk. 10,000 Tk. 15,000 Tk. 20,000 Tk. 25,000 Tk. 30,000

For Maternity Benefit, an Extra Premium @40% shall be charged on the Basic Premium of the beneficiary group.

Group Discount Schedule

Size of Group Percentage of Discount (%)
Uo to 100 Nil
101 - 500 5%
501 - 1000 7.5%
1001 - 2000 10%
2001 & Above 12.5%

No Claim Discount Schedule

No Claim Years Discount on
Reneewal Premium
One Year 10%
Two Consecutive Years 20%
Three Consecutive Years 30%

VAT if imposed by government, shall have to be paid by the organization concerned.

N.B. For large groups a "fixed premium rate" irrespective of the age is offered upon recieving the list of members to be insured.

Customized Plan

Benefit Schedule & Premium Rate
  • Benefits desired has to be provided by the client
  • A "fixed premium rate" irrespective of age is offered on receipt of the list of members to be insured.
How to get a Group Hospitalization Insurance Proposal?
  • For Proposal: Fill in the "Proposal Request Form" and send it to our contact address. The form is available for download under Downloads section.
  • For Quatation: Fill in the "Proposal Request Form" and send it to our contact address accompanied by the list of members to be insured with following details. The form is available for download under Downloads section.
Sl# Name Date of Birth *Status Benefit Grade
         

*Status means rank of an employee or his relationship with dependant (spouse/children)

Individual Hospitalization Insurance Plan
  • Bengali Leaflet
  • Proposal Form

Overseas Mediclaim Policy (OMP)

This is a distinctive Health Insurance Policy issued to travelers only. It is also a pre-requisite for Visa application of developed countries. The Policy is issued to Bangladeshi Nationals and Foreigners resident in Bangladesh

Overseas Mediclaim Policy issued by Delta Life is universally accepted by all foreign Embassies and High Commissions in Bangladesh.

Types of Policy
  • Plan A: For visiting any Country of the World (except USA & Canada)
  • Plan B: For visiting all Countries of the World

Coverage under both Plan A & Plan B exceeds €30,000 EURO

Key Features of the Policy
  • Age Limit : Policy issued to Individuals from the age of 6 months to 65 years.
  • Nationality: Policy issued to Bangladeshi and Foreigner Resident in Bangladesh
  • Covered Expenses: Treatment expenses incurred for sudden and unexpected illness or accident while on tour abroad.
  • Maximum Benefit:
    • Plan A: US $50,000 (Fifty Thousand US Dollar)
    • Plan B: US $100,000 (One Hundred Thousand US Dollar)
How to take out an "Overseas Mediclaim Policy"
  • Fill in a "Proposal Form". The form is available for download under Downloads section.
  • Attach photocopy of the first five pages of the passport
  • Enclose required amount of premiumin cash as per "Premium Rate Chart". The chart is available for download under Downloads section.
  • Send those these to Health Insurance Department at the Head office of Delta Life

*Physical presence or Photograph of proposer is not required.

*it takes only about 30 minutes to get an Overseas Mediclaim Policy.

"Proposal Form" is also available at Head Office and Agency Offices of Delta Life Insurance Co. Ltd.