Health Insurance is now considered indispensable in developed countries. In the present financio-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 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
o Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired)
o Hospitalization Insurance Plan (Individual) – offered to an Individual and/ or his/her dependant family members also known as “DeltaCare Hospitalization Plan”.

• Expenses Covered under Hospitalization Insurance Plans:
  * Hospital Accommodation
  * Consultation Fee
  * Medicine & Accessories
  * Medical Investigations
  * Surgical Operation and
  * 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

  Benefit Grade	Mastercare	Supercare	Deluxecare	Exclusivecare	Royalcare
  Max. Benefit each insured per year	Tk. 25,000	Tk. 45,000	Tk. 75,000	Tk. 1,00,000	Tk. 1,40,000

  Benefit Schedule & Premium Rate

  Benefit per Hospitalization
  Benefit Grades	Mastercare	Supercare	Deluxecare	Exclusivecare	Royalcare
  Max. Benefit (Each Insured Per Year) in Taka	25,000	45,000	75,000	1,00,000	1,40,000
  Hospital Stay (Maximum days)	10	12	15	18	20
  Room Rent (Actual Expenditure upto a Maximum Tk. Per Day)	500	1,000	1,500	1,800	2,000
  Consultation Fee (Actual Fee upto a Maximum Tk. Per Visit & one Visit daily)	300	500	500	500	600
  Routine Investigations (Actual Expenditure upto a Maximum in Tk)	1,000	1,200	1,400	1,600	2,000
  Medicines & Accessories (Actual Expenditure upto a Maximum in Tk)
  In Case of Surgical Treatment	2,000	4,000	6,000	8,000	10,000
  In Case of Conservative Treatment	5,000	10,000	12,500	15,000	18,000
  Surgery (Actual Expenditure upto a Maximum in Tk)
  Major Intermediate	12,000	14,000	16,000	20,000	22,000
  shall include charges for Surgeon,Asstt. O.T. & Anaesthesia	6,000	8,000	10,000	12,000	15,000
  Ancillary Services (80 % of Actual Expenditure upto a Maximum in Tk)	2,000	5,000	8,000	10,000	12,000

  Premium (For each insured per year) in Taka

  Age Attained (in Years)
  Benefit Grades	Mastercare	Supercare	Deluxecare	Exclusivecare	Royalcare
  18 to 35 Yrs
  Employee	600	1,080	1,535	1,920	3,360
  Spouse	510	920	1,310	1,630	2,855
  35+ to 45 Yrs
  Employee	750	1,350	1,795	2,160	3,780
  Spouse	635	1,145	1,520	1,835	3,210
  45+ to 50 Yrs
  Employee	1,050	1,890	2,300	2,640	4,620
  Spouse	895	1,605	1,955	2,245	3,930
  50+ to 55 Yrs
  Employee	1,500	2,700	3,060	3,360	5,880
  Spouse	1,275	2,295	2,605	2,855	4,995
  55+ to 60 Yrs
  Employee	2,100	3,780	4,075	4,320	7,560
  Spouse	1,785	3,215	3,420	3,670	6,425
  60+ to 65 Yrs
  Employee	3,150	5,670	6,113	6,480	11,340
  Spouse	2,678	4,823	5,130	5,505	9,638
  Each Child (Below 25 yrs.)	510	920	1,310	1,630	2,855

  Maternity Benefit (Maximum in Tk. as per benefit Schedule above)

  	Mastercare	Supercare	Deluxecare	Exclusivecare	Royalcare
  Normal Delivery	5,000	7,500	10,000	12,500	15,000
  Caesarian Delivery	10,000	15,000	20,000	25,000	30,000

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

  Group Discount Schedule			No Claim Discount Schedule
  Size of the Group	Percentage of Discount (%)	No Claim Year(s)	Discount on Renewal Premium
  Up to 100 101 – 500 501 – 1000 1001 – 2000 2001 & Above	Nil 5% 7.5% 10% 12.5%	One Year Two Consecutive years Three Consecutive years	10% 20% 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 on receipt of the list of members to be insured.

Customized Plan:-

Benefit Schedule & Premium Rate

How to get a Group Hospitalization Insurance Proposal?

For Proposal: fill in the Proposal Request Form and send it to us at our contract address
For Quotation: fill in the “Proposal Request Form” and send it to us at our contract address accompanied by the list of members to be insured with following details.

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

Individual Hospitalization Insurance Plan

Bengali Leaflet

Proposal Form

Overseas Mediclaim Policy
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

OMP issued by Delta Life is universally accepted by all foreign Embassies 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 EURO 30,000
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
Plan-B US$ 1,00,000

How to take out an “Overseas Mediclaim Policy”

Fill in a “Proposal Form”
Attach Photocopy of the first five pages of the passport
Enclose requisite premium (Cash) as per “Rate Chart”
Send those these to Health Insurance Department at the Head office of Delta Life
.
* Physical presence or Photograph of proposer is not required.
* Only about 30 minutes time is needed to issue a Policy
* “Proposal Form” is also available at Head Office and Agency Offices of Delta Life
“Premium Rate Chart”