Group & Health

Group Products

Death Benefits (Natural Death)

If an insured member dies, Guardian Life Insurance upon receipt of written proof of such death, will pay the organization/Nominee of Employee the sum insured in respect of the said insured member.

Accidental Death (ADB)

In the event of an insured member's direct death resulting from an accident caused by external and violent, the accidental death benefit will provide the employer (organization) with the sum insured, in addition to the death benefit.

Permanent and Total Disability (PTD)

The coverage for Permanent and Total Disability will provide the organization with the insured employee's sum insured if the employee becomes permanently and totally disabled due to an accident resulting in bodily injury.

Permanent and partial disability (PPD)

In the event of an accident that results in permanent partial disability for an insured employee, the specified benefit will be paid to the employer/employee according to the Labor Law of Bangladesh, the employer/employee shall be provided with fixed financial benefits in case of permanent partial disability due to accident.

Critical Illness Benefit

The Critical Illness Scheme is a specialized supplementary plan created for employees and their families, aiming to offer financial assistance and protection if a member is diagnosed with one of the specified diseases. However, it applies to the following 18 critical illnesses: 1.Cancer, 2.Heart Attack (Myocardial Infarction), 3.Stroke, 4.Coronary Artery (Bypass) Surgery, 5.Kidney Failure (End Stage Renal Disease), 6.Major Organ Transplantation, 7.Paralysis, 8.Multiple Sclerosis, 9.Loss of Limbs, 10.Blindness/Loss of Sight, 11.Heart Valve Replacement, 12.Surgery of Aorta, 13.Aplastic Anemia, 14.Benign Brain Tumor, 15.Chronic Lung Disease/End Stage Lung Disease, 16.Deafness/Loss of Hearing, 17.Major Head Trauma, 18. Loss of Speech.

Health Products

In-Patient Treatment (IPD) Plan

The Hospitalization Insurance Plan aims to offer extensive financial protection for medical expenses incurred during a hospital stay at least 24 hours, for an insured individual's illness or injury sustained within the policy coverage period.

Maternity Benefits

Maternity is one of the common benefits offered under group health insurance. Maternity benefits in insurance provide financial support and peace of mind during what can be a costly and stressful time. This benefit is intended for female married employees/spouses who are up to 45 years old. The coverage for maternity benefits that is included in this plan is given below:

• ✅ Normal delivery
• ✅ Caesarean/Ectopic/Extra-uterine pregnancy
• ✅ Legal abortion or miscarriage

General Out-Patient Treatment (OPD) Plan

Employees can make claims for expenses incurred under an Out Patient Treatment plan, which covers the cost of medicines, as well as diagnostics and procedures, without requiring hospitalization. The benefits provided by this plan for OPD expenses are listed below:

• ✅ Doctors Consultation fees
• ✅ Medicine Cost
• ✅ Investigation cost

Dental Out-Patient Treatment Benefit

Dental OPD benefits in insurance refer to the coverage provided for dental treatments that do not require hospitalization. The benefits provided by this plan for dental expenses are listed below:

• ✅ Doctors Consultation fees
• ✅ Amalgam, Resin Plastic & Temporary/Permanent Fillings
• ✅ Routine Extraction
• ✅ Medication
• ✅ X-rays/Investigation
• ✅ Root Canal Treatment, including bridging and capping
• ✅ Extraction
• ✅ Scaling & polishing once in a year for each member

Optical Out-Patient Treatment Benefit

Optical OPD benefits in insurance refer to the coverage provided for optical treatments that do not require hospitalization. The benefits provided by this plan for optical expenses are listed below:

• ✅ Consultation
• ✅ Vision tests for errors of refraction
• ✅ Medication
• ✅ Lenses & Spectacles