Bimafy Terms & Conditions

1.1 General Definitions

• “Insured Member” means the person(s) who has opted in for an insurance coverage while purchasing a travel service (including but not limited to: Air/Bus/Launch/Train ticket, holiday/tour package, hotel booking, visa processing, etc.) from Firsttrip.
• “Accident” means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
• “Accidental Injury” means accidental physical or bodily harm to the Insured Member excluding the reasons mentioned under the Exclusions below, which is solely and directly caused by external, violent, visible, and evident means, and is verified or certified by a valid Medical Professional.
• “Accidental Death” means death of the Insured Member due to an Accident except due any unlawful activity and due to the reasons mentioned under Exclusions below.
• “Dengue Fever” means illness of the Insured Member due to Dengue Virus.
• “Insurance Partner” means third-party insurance company with applicable registration and license from the relevant authority in Bangladesh who is an independent contractor and not Bimafy (bimafy.com) or Firsttrip who underwrites the risks of the group insurance policy.
• “Medical Professional” means an individual who is licensed or certified in Bangladesh, having an MBBS or equivalent degree, to perform the necessary medical procedures within his/her scope of practice.

1.2 Eligibility and Terms

• The Insured Member must be aged between 6 months and 65 years at the time of subscription. If an Insured Member is aged below 18 (eighteen years) at the time of subscription then a parent or legal guardian must accompany him/her during the travel with a separate insurance subscription for the parent/legal guardian.
• Insurance coverage shall be applicable for traveling within the territory of Bangladesh only.
• Insurance coverage is applicable for the journey day, with an extended coverage of 7 days for Dengue Fever.
• An effective waiting period of 48 (forty-eight hours) from the time of departure shall apply for any condition/illness due to Dengue Fever. However, Dengue Fever is covered if the diagnosis is confirmed within 7 (seven) days from the date of the journey.

1.3 Insurance Benefit Schedule

1.4 Limitations

• If a person is covered under multiple subscriptions, any one claim shall be entertained against any one illness or accident. Multiple claim settlement for a single illness or accident under different subscriptions shall not be entertained.

1.5 Exclusions

• General Exclusions:

  • Any pre-existing conditions.
  • Any mental, emotional, and psychiatric disorders, alcoholism or any other narcotic addiction.
  • Any condition due to consuming addictive substances.
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV virus and sexually transmitted diseases.
  • Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

• Specific Exclusions for Accidental Death:

  • Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony;
  • Suicide while sane or insane;

• Specific Exclusions for Personal Accident Benefit:

  • Accidents due to any unlawful activities or due to the use of addictive substances by the Insured Member.

1.6 Sub-limits for Personal Accident Benefit

1.7 Claim Documentation

• For Accidental Deaths (Claim to be submitted by the legal nominee)

  • Copy of NID/Birth Certificate of the Insured Member
  • Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death
  • Post-mortem report
  • Copy of NID/Passport/Birth Certificate of the Legal nominee
  • Warisan/Succession certificate from the local government authority or court
  • Any other relevant documents which may require

• For Accidental Injury

  • Copy of NID/Passport/Birth Certificate
  • Doctor’s prescription/emergency ticket
  • Doctor’s Advice for hospitalization (in applicable cases)
  • Discharge Certificate (in applicable cases)
  • All medical bills
  • All diagnostic test reports such as X-Ray, City Scan, MRI or such relevant reports
  • Any other supporting documents (if required)

• For Dengue Fever

  • Doctor’s advice for Dengue Test
  • Dengue Test Report stating “Positive” results
  • Any other supporting documents (if required)

2.1 General Definitions

2.2 Eligibility and Terms

• Insured Members must be within the age of 6 months and 65 years at the time of enrollment. If an Insured Member is aged below 18 (eighteen years) at the time of enrollment then a parent must accompany him/her during the travel with a separate insurance subscription for the parent.
• Insurance coverage shall be applicable for traveling within the territory of Bangladesh only.
• All insurance coverage duration is 7 (seven) days from the starting date of travel with an effective waiting period of 48 (forty-eight hours) for any infection due to Dengue Fever. However, Dengue Fever is covered if the diagnosis is confirmed within 14 (fourteen) days from the starting date of travel.
• Insurance coverage for Emergency Hospitalization is automatically extended for up to a maximum of 4 (four) days if the Insured Member is hospitalized within the initial coverage duration due to an Emergency Medical Condition.
• Insurance coverage for Emergency Hospitalization is limited to a maximum of 5 (five) nights of in-patient hospital treatment. MBBS or equivalent doctor’s recommendation is required for hospitalizations.
• Insurance coverage for Doctor Consultation is limited to a maximum of 1 (one) instance per Insured Member.

2.3 Insurance Benefit Schedule

2.4 Exclusions

• General Exclusions:

  • Any pre-existing conditions.
  • Any mental, emotional, and psychiatric disorders.
  • Any condition due to consuming addictive substances
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus and sexually transmitted diseases.

• Specific Exclusions for Accidental Death:

  • Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony;
  • Suicide while sane or insane;

• Specific Exclusions for Accidental Hospitalization (including Day-Care Treatment), and Doctor Consultation:

  • Accidents due to any unlawful activities or due to use of addictive substances by the Insured Member.

2.5 Special Provisions for Accidental Injury Benefit

2.6 Claim Documentation

• For Accidental Deaths

  • Copy of NID/Passport/Birth Certificate
  • Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death
  • Post-mortem report
  • Copy of NID/Passport/Birth Certificate of the Legal nominee
  • Any other relevant documents which may require

• For Accidental Hospitalization (including day-care treatment)

  • Copy of NID/Passport/Birth Certificate
  • Doctor’s prescription/emergency ticket
  • Doctor’s Advice for hospitalization (in applicable cases)
  • Discharge Certificate (in applicable cases)
  • All medical bills
  • All diagnostic test reports such as X-Ray, City Scan, MRI or such relevant reports
  • Any other supporting documents (if required)

• For Emergency Hospitalization

  • Copy of NID/Passport/Birth Certificate
  • Doctor’s Advice for hospitalization
  • Discharge Certificate
  • All medical bills
  • All diagnostic test reports such as blood reports, urine examination reports etc.
  • Any other supporting documents (if required)

• For Dengue Fever

  • Doctor’s advice for RT-PCR or NS1 Antigen Test
  • Diagnostic Test Report stating “Positive” Dengue virus infection results
  • Any other supporting documents (if required)

• For Doctor Consultation

  • Doctor’s prescription/investigation report
  • Consultation bill

2.7 Claim Decision, and Settlement

3.1 General Definitions

• “Insured Member” means the person(s) who has opted in for an insurance coverage while purchasing a travel service (including but not limited to: Air/Bus/Launch/Train ticket, holiday/tour package, hotel booking, visa processing, etc.) from Firsttrip.
• “Accident” means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
• “Accidental Injury” means accidental physical or bodily injury sustained by the Insured Member except for the reasons mentioned under the Exclusions below, which is solely and directly caused by an Accident, and is verified or certified by a valid Medical Professional.
• “Death” means death of the Insured Member due to a natural reason or an Accident except due to the reasons mentioned under Exclusions below.
• “Hospitalization” means hospital admission of the Insured Member for at least 24 or more hours due to an emergency medical condition except due to the reasons under Exclusions below.
• “Insurance Partner” means third-party insurance company with applicable registration and license from the relevant authority in Bangladesh who is an independent contractor and not Bimafy (bimafy.com) or Firsttrip who underwrites the risks of the group insurance policy.
• “Medical Professional” means an individual who is licensed or certified in the land where he/she resides, having a professional medical degree to perform the necessary medical procedures within his/her scope of practice.

3.2 Eligibility and Terms

• The Insured Member must be aged between 6 months and 65 years at the time of subscription. If an Insured Member is aged below 18 (eighteen years) at the time of subscription then a parent or legal guardian must accompany him/her during the travel with a separate insurance subscription for the parent/legal guardian.
• Insurance coverage shall be applicable for traveling outside the territory of Bangladesh only.
• Insurance coverage duration shall be based on the plan (i.e., 15/30 days) subscribed by the Insured Member as per the Insurance Benefit Schedule below. However, insurance coverage shall cease on the coverage expiry date or upon arrival at Bangladesh, whichever is earlier.

3.3 Insurance Benefit Schedule

3.4 Limitations

• If a person is covered under multiple subscriptions, any one claim shall be entertained against any one illness or accident. Multiple claim settlement for a single illness or accident under different subscriptions shall not be entertained.
• At least 24 hours of hospital stay is required to become eligible for Hospitalization Allowance Benefit.

3.5 Exclusions

• For Death Benefit:

  • Death due to any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement.
  • Death/Accidental Death due to performing any illegal activity or felony.
  • Death/Accidental Death while under the influence of prohibited narcotics
  • Death due to Suicide while sane or insane.
  • Death due to the condition of Acquired Immune Deficiency Syndrome (AIDS), and HIV (Human Immune Deficiency Virus), or any AIDS related illness or HIV virus.
  • Death due to maternity/child-birth related conditions.

• For Funeral Benefit:

  • Death/Accidental Death due to performing any illegal activity or felony
  • Death/Accidental Death while under the influence of prohibited narcotics

• For Personal Accident Benefit:

  • Injury due to performing any illegal activity or felony
  • Injury while under the influence of prohibited narcotics
  • Injury due to attempted suicide while sane or insane

• For Hospitalization Allowance (Daily Basis):

  • Hospitalization due to any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
  • Hospitalization due to the condition of Acquired Immune Deficiency Syndrome (AIDS), and HIV (Human Immune Deficiency Virus), or any AIDS related illness or HIV virus
  • Hospitalization due to any Psychiatric, mental or nervous disorder
  • Hospitalization due to exposure of the body, voluntarily or not, to nuclear power or radioactivity in war or warlike operations or in peace
  • Hospitalization for childbirth, prenatal/postnatal care, or any maternity related conditions
  • Dental and optical treatments unless required due to an accident
  • Any congenital infirmity
  • Hospitalization without a recommendation from a registered physician
  • Circumcision, prophylactic, and immunization procedures
  • Mental, emotional, or psychiatric disorders, alcoholism, or any other narcotic addictions
  • Obesity, i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless needed as reconstructive surgery as a consequence of an injury due to accidents, or burns
  • Any experimental or generally unaccepted procedures by medical professionals, i.e., acupuncture, herbal/ayurvedic/homeopathy treatment, alternative medical care (AMC), etc.

• For Emergency Transportation:

  • Any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
  • Injury due to performing any illegal activity or felony
  • Any illness due to consuming any prohibited narcotics
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV

• For Out-door Doctor Visit/Consultation:

  • Any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
  • Injury due to performing any illegal activity or felony
  • Routine examination of eye and ear, fitting or replacement of eyeglasses (including contact lenses) or hearing aids, any dental treatment (except hospitalization for reconstructive surgery as a consequence of an accident or disease);
  • Health screening including regular physical tests (health check-ups)
  • Sleep disorders, i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep-related breathing problem
  • Treatment-related to maternity, family planning purposes including intended termination of pregnancy, sterility, or assisted reproduction
  • Any experimental or generally unaccepted procedures by medical professionals, i.e., acupuncture, herbal/ayurvedic/homeopathy treatment, alternative medical care (AMC), etc.
  • The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV

3.6 Sub-limits for Personal Accident Benefit

3.7 Claim Documentation

• For Death and Funeral Benefit Claim (Natural/Accidental - Claim to be submitted by the legal nominee)

  • Copy of Passport and NID/Birth Certificate of the Insured Member
  • Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death and a Death Certificate from the local govt. authority where the Insured Member resides
  • Post-mortem report (if applicable – in case of Accidental Death)
  • Copy of NID/Birth Certificate of the legal nominee
  • Warisan/Succession certificate from the local government authority or court
  • Any other relevant documents which may require

• For Personal Accident Benefit Claim

  • Copy of Passport and NID/Birth Certificate of the Insured Member
  • Doctor’s prescription/emergency ticket
  • Doctor’s Advice for hospitalization (in applicable cases)
  • Discharge Certificate (in applicable cases)
  • All medical bills
  • All diagnosis reports such as X-Ray, City Scan, MRI or such relevant reports
  • Any other relevant documents which may require

• For Hospitalization Allowance Benefit Claim

  • Copy of Passport and NID/Birth Certificate of the Insured Member
  • Doctor’s prescription/emergency ticket with recommendation for hospitalization
  • Admission Form
  • Discharge Certificate
  • All medical bills
  • All diagnosis reports
  • Any other relevant documents which may require

• For Emergency Transportation Claim

  • Doctor’s prescription/emergency ticket
  • Bill/invoice of emergency transportation service
  • All Diagnosis reports
  • Any other relevant documents which may require

• For OPD/Outdoor Treatment

  • Doctor’s prescription/emergency ticket
  • Bill from hospital/Doctor’s chamber
  • Any other relevant documents which may require

3.8 Provisions for Claim Settlement

• Claims must be submitted within 30 (thirty) days from the date of the covered event.
• All claims shall be settled in equivalent Bangladeshi Taka at the conversion rate set out by the Central Bank of Bangladesh.

4.1 General Definitions

4.2 Eligibility and Terms

• Passenger must be a Bangladeshi national aged above 18 years at the time of subscription. If a Passenger is aged below 18 (eighteen years) at the time of subscription then a parent or legal guardian must accompany him/her during the travel with a separate service subscription for the parent/legal guardian.
• Service coverage shall commence from the date of ticket purchase and shall cease on the last flight date as per the flight ticket booking or on an occurrence of a claim, whichever is earlier.

4.3 Limit of Cover

4.4 Limit of Liability

4.5 Covered Expenses

• Air Ticket reissue/cancellation due to an Eligible Reason (Covered Events)
• No-show at the scheduled flight departure due to an Eligible Reason (Covered Events)

4.6 Covered Events

• Passenger’s death or hospitalization due to illness/injury which was not anticipated at the time of purchase of this service.
• Death or hospitalization of Immediate Family Members of the Passenger due to illness/injury which was not anticipated at the time of subscription to this service and which requires Passenger’s presence.
• Occurrence of a natural disaster which prevents the Passenger to board the flight. This scope will not apply if the natural disaster has been forecasted or a storm has been named prior to the subscription.
• Natural Disaster at the site of destination that renders the destination accommodations uninhabitable. This scope will not apply if the natural disaster has been forecasted or a storm has been named prior to the subscription.
• Widespread labor strikes acknowledged/published by Public Authority, which the Passenger could not reasonably avoid or plan ahead in time.
• Travel restriction/ban caused by Government regulations/control which the Passenger could not reasonably avoid or plan ahead in time.
• Cancellation/delay (resulting in a No-show) by Common Carrier due to the following reasons:
  
  • Inclement Weather
  • Strike or other job action by employees of Common Carrier
  • Equipment failure of Common Carrier
  • Operational reasons at the departure airport due to air traffic restrictions
  • Operational reasons of Common Carrier by which Passenger is travelling outside of Bangladesh or returning to Bangladesh or travelling between any two international destinations
• Serious damage to the principal residence of the Passenger due to fire, flood, or similar natural disasters such as tornado, earthquake, hurricane etc. requiring Passenger’s presence on the premises.
• Passenger being kidnapped, detained, quarantined, or subpoenaed to attend a civil proceeding which was not anticipated at the time of subscription.
• The transportation means using which the Passenger was traveling to reach the departure location of the scheduled flight is involved in an Accident, which prevented to board the flight.
• Passenger having a previously approved military leave revoked or experiencing a military reassignment (applies only for persons involved in a defense profession such as the Airforce, Army, Navy, etc. and does not apply for any civil services or law enforcement services).
• After three (3) years of continuous full-time employment at the same company, the Passenger being terminated or laid-off by the employer where the Passenger is not at fault.

4.7 Exceptions

• Any loss compensated by the Common Carrier/Ticketing Agent and refundable portion of the expenses
• Any facts or matters causing the delay/cancellation which was publicly announced in advance, and which the Passenger was aware or reasonably should have been aware prior to the booking
• Late arrival of the Passenger at the airport for the scheduled flight after the official check-in time (except due to an eligible reason – “Covered Events”)
• Any air-fare difference due to Air Ticket rescheduling
• Bulk booking/group tickets
• Any criminal/illegal activity/felony
• Any political strike/riot/possession
• Any terrorist activity, war, invasion, act of foreign enemy, mutiny, civil war, war-like operation, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or stage of siege
• Ionizing radiations or contamination by radioactivity or any nuclear explosion
• Epidemics/pandemics
• Any effect of a source of radioactivity
• Any consequential losses and legal liabilities
• Any disputed booking/cancellation
• Visa refusal, or change of mind
• Bankruptcy of the Airline/Ticketing Agent

4.8 Claim Documentation

• Copy of passport/visa with entry & exit stamp (where applicable).
• Copy of Air Ticket & Boarding Pass (if applicable) with original scheduled itinerary and date of booking.
• Details/supporting documents of the refunded amounts by Common Carrier and Ticketing Agent.
• Copy of Air Ticket and copies of correspondence with the Airline/Ticketing Agent related to trip cancellation/reschedule.
• Medical records/Death certificate of the Passenger, or Immediate Family Member, if any.
• Document evidences such as news link, publication, notice, etc. related to widespread labor strikes/catastrophe acknowledged/published by Public Authority, if any.
• Copy of notice/notification/email from Common Carrier regarding any flight cancellation or delay, if any.
• Investigation report from the local law-enforcement authority or Fire Service and Civil Defense Authority, if any.
• Termination/leave revocation/re-assignment letter from employer, if any.
• Proof of No-show (in applicable cases) from the Common Carrier.
• Proof of relationship with the Passenger (in applicable cases).
• Any other relevant supporting documents.

4.9 Basis of Loss Reimbursement

5.1 General Definitions

5.2 Scope of Coverage

5.3 Eligibility

• Insured Person/Passenger must be a Bangladeshi national aged above 18 years at the time of subscription. If an Insured Person/Passenger is aged below 18 (eighteen years) at the time of subscription then a parent or legal guardian must accompany him/her during the trip with a separate subscription.
• Insurance coverage shall commence from the first departure date and shall cease on the last arrival as per the Scheduled Trip or on an occurrence of a claim, whichever is earlier.

5.4 Conditions

• The Passenger must be a ticketed passenger with the Common Carrier(s)
• Subscription to this policy must be made prior to the departure of the Scheduled Trip and the appropriate premiums must be paid.
• The itinerary of the Scheduled Trip must be declared while subscribing to this policy and coverage shall be applicable for the declared itinerary only. There can be multiple Common Carriers involved in a Scheduled Trip.
• The Passenger must present adequate proof of loss/damage in order to receive financial compensation against the covered loss/damage. The proof of loss/damage must accompany a letter (such as a Property Irregularity Report) issued by the Common Carrier along with other supporting evidence(s).

5.5 Schedule of Benefits

5.6 Limitations and Exclusions

• Loss or damage arising from detention, confiscation, or distribution by customs, police, or any Public Authority.
• Loss or damage of any baggage(s) which were sent in advance or shipped separately.
• Any loss or damage compensated by any other insurance policy or Common Carrier.
• Any loss or damage of the contents inside the Checked-in Baggage(s) whether the Common Carrier(s) acknowledge such damage/loss or not.
• Any ordinary wear and tear such as minor dents or scratches, peeling of paint, abrasions, dust or dirt gathering, etc.
• Bankruptcy of the Common Carrier or Ticketing Agent.
• Any loss or damage due to rain water or any other liquid substance, and natural disasters.
• Any loss or damage due to moth, vermin, insect, pest, animal or of similar kind.
• Any loss or damage due to radioactive or nuclear exposure, nuclear emissions, etc.
• Any loss or damage due to performing any illegal activity.
• Any loss or damage due to war, invasion, act of war, hostility, civil commotion, mutiny, riots, strikes, or usurped power.

5.7 Claim Documentation

• Copy of passport with applicable visa with entry and exit stamps
• Copy of ticket and boarding pass with original scheduled itinerary and date of booking
• Property Irregularity Report (PIR) obtained from the Common Carrier(s) responsible for the loss/damage
• Copies of correspondence with the Common Carrier or other authorities confirming the loss or damage and details of any compensation paid towards the Passenger
• Any other supporting documents which may require

6.1 Claim submission timeline

• Passenger Bima: Within 30 days of the Covered Event (i.e. Accident/ Death/ Illness)
• International Travel Bima (Silver/Gold): Within 30 days of the Covered Event (i.e. Accident/ Death/ Illness)
• Refund Protection (Domestic/Basic/Standard/Premium): Within 15 days of the Covered Event (i.e. Reissue/ Cancellation/ No-show or missed flight due to an eligible reason)
• Baggage Bima: Within 15 days of the loss/damage

Download the Bimafy mobile app from Google Play Store/App Store and sign up using the email address or phone number that you have used to make the booking at your ticketing agency. Your subscription shall be visible under the “Policies” section. Click on the “Claim Now” button to submit your claim.

Alternatively, you may submit you claim via email to the following email address: [email protected]. Please mention your full name, and registered mobile number on the email subject line and attach clear copies (i.e., clear photos/scanned images) of required documents on the email body.

* All claims are subject to verification by the applicable Insurance Partner(s) and Insurance Partner(s) reserves the right to reject any claim if it is deemed invalid/inappropriate or not applicable under the coverage. The decision by the Insurance Partner in this regard shall be conclusive.

* The insurance company may require additional documents or verification procedures against your claim where your cooperation is expected.

* Successful claims for insurance coverage shall be settled via bank account/mobile wallet within ten (10) working days after receiving all necessary documents from the beneficiary.

6.2 Disclaimers, Limitation of Liability, And Indemnity

• By using this service, you acknowledge and agree to the following:
  
  1. Various obligations and commitments of Bimafy under the terms of the Service may in the future become subject to requirements, restrictions or approvals of various governmental or regulatory authorities (“Authorities”).
  2. Bimafy shall not be liable or responsible to you for failure to perform or comply with the provisions of the terms of the Service in any way, in case any Authority does not provide the necessary approval(s) to Bimafy or in case any such authority imposes any restrictions on Bimafy or raises any objection in relation to the Services or any activity or obligation of Bimafy. In such a case, Firsttrip and Bimafy shall enter into good faith discussions with the view to identify mutually agreed alternatives, failing which either party shall have the right to terminate the Agreement between them with immediate effect. In such an event, Bimafy shall refund the payment taken for undelivered services to you within 7 (seven) working days from the date the agreement is terminated or the mutually agreed decision is reached.
• You agree and accept that the Services provided by Bimafy on an “as is” and “as available” basis and Bimafy makes no commitment that the Services or any related features shall be fit for any specific purposes and requirements. However, Bimafy shall make reasonable attempts to satisfy the requirements of you in relation to the services as long as it is reasonably and practically possible.
• You also agree and accept that the Services provided by Bimafy may include delivery of insurance certificates (including digital activation via SMS/email) which are issued by the listed insurance companies of Bangladesh and any insurance coverage and their related benefits are provided by third-party insurance provider(s) (“Insurance Partners”). All insurance related terms and conditions are provided by such insurance companies and you should carefully read and understand all the terms and conditions as provided by the Insurance Partners and agree to purchase at their own consent.

Introduction

Collecting Your Personal Information

• Request information from our Site or mobile App
• Use our online tools and calculators
• Apply/order online to purchase insurance policies from various Providers
• Purchase/subscribe to online services
• Fill-up an online form
• Submit and insurance claim
• Conduct transactions using our website; etc.

Generally, we collect contact information such as name, mobile phone number, mailing address, date of birth, email address and other details as provided by you in the user registration page of our website. If you apply to purchase any insurance policies through us, we will collect additional information which are required by the Providers to underwrite relevant insurable risks such as (including but not limited to) name/details of the insured person/asset, date of birth, identification number, sex, address, etc. and financial information such as mobile financial service account number, debit/credit card number and expiration date through the payment gateway of the mobile financial service provider or debit/credit card company or the internet banking service of your bank or via a third-party payment processing service provider. We store the collected information for our records and to verify authenticity of the same in the future. We may also collect information such as beneficiary/nominee name, address and your relationship to the beneficiary/nominee when you apply to purchase a financial product using our Platform or submit an insurance claim. We may also preserve a copy of the proof of financial service (i.e., insurance policy certificate) acquired by you by using our Service for future reference.

If you choose to use our referral service to share a friend or family member about our website, we will ask you for your family member’s/friend’s name and email address. We shall send an automated one-time email with the invitation to visit our website to your friend/family member.

Use of Your Personal Information

• By using our Platform, subscribing to our services, and on viewing insurance products/price quotes, you hereby authorize us to contact you via phone calls, emails and/or text messages on the contact details provided by you, to furnish you with information with regards to our services and products of our Business Partners.
• Allow you to access specific user account information.
• We may use the information provided by you to customize your future visits to our website by displaying appropriate content at our judgment and discretion.
• To send you information about products and services offered by us, our Business Partners and their affiliates, to contact you for policy renewal reminder notices, claims processing and to keep you updated on the insurance sector and Bimafy through newsletters. In case you do not wish to receive such information, you may unsubscribe through the facility in the emails you receive.

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Disclosure of Information

• Conform to any statutory or legal requirements or to comply with legal process or judicial orders
• Protect, enforce and defend our rights, interests or property

We may also use your personal information for the purposes of providing any services and service-related activities. To do so, it may be necessary to disclose your personal information to one or more third-party service providers or our Business Partners (for example, Insurance Companies or the Providers for underwriting the specific risks and policy issuance, Third Party Administrators for cashless hospitalizations, Claim Surveyors for loss assessment, Courier Services for policy document delivery, Discount Partners for lifestyle benefits, etc.) of Bimafy providing services linked to the desired services to fulfill your requests.

We reserve the right to exchange, share or provide the information relating to your personal and financial details and information with statutory bodies such as Insurance Development and Regulatory Authority of Bangladesh as required and you will not hold us or our agents liable for use or sharing of the information.

We may post testimonials from you regarding your experience using our services on our website which may include your personal information. We will obtain your permission prior to the publication of such testimonials and if you would like your testimonial removed, then please contact us at: [email protected]

We use third party service providers to fulfil some or part of the services requested on the website including live chat, third party administrators for cashless claims, surveyors for loss assessment etc. We do not sell your personal information to third parties. These service providers are not allowed to use your information for their promotional purposes.

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