Firsttrip Limited acts solely as a facilitator for Bimafy's services and holds no responsibility for any claims, settlements, or financial transactions associated with Bimafy. Our role is limited to providing access to Bimafy products, enabling customers to purchase them while booking flight tickets through the Firsttrip platform. Please review the terms and conditions carefully before proceeding with your purchase.
Bimafy Terms & Conditions
1. Passenger Bima - Domestic Flights
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
All insurance coverage shall be applicable for the Insured Members who have been registered or enrolled under the group life insurance policy through this digital insurance subscription (the Service) while booking or purchasing a bus/air/launch ticket from Firsttrip website/mobile application. Only the Insured Member(s) shall be under the insurance coverage with a valid bus/air/launch ticket booking from Firsttrip with certain provisions, and limitations as per the following:
- 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
The Insured Member or the legal nominee (in applicable cases) of the Insured Member shall be able to claim the insurance benefits in case of a covered event as per the following table:
| Type of Covered Event | Sum Assured/Coverage Amount (BDT.) | |
|---|---|---|
| Accidental Death | BDT. 100,000 (Lump-sum benefit) | |
| Personal Accident Benefit | Up to BDT. 25,000 (Fixed benefit as per sub-limits under section 1.6) | |
| Dengue Fever | BDT. 5,000 (Fixed benefit) | |
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
The following exclusions shall be applicable for the insurance coverage:
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
Personal Accident Benefit can be further classified under different categories based on the type of Accidental Injury sustained by the Insured Member with corresponding level of benefits. Insured Member or the legal nominee (in applicable cases) shall receive financial benefits against Accidental Injury based on the nature of the injury as per the below table.
| Types of Accidental Injury | Description of Accidental Injury due to Accident | Sum Assured /Coverage Amount (BDT) |
|---|---|---|
| Head Injuries | Severe collision impacts can cause a closed head injury. In that situation, the fluid and tissue inside the skull are damaged because of the sudden movement or impact of the head. Less severe closed head injuries often result in concussions, while the most severe impacts can cause brain damage. Major types of head injuries include Hematoma, Hemorrhage, Concussion, Edema, Skull fracture, Diffuse axonal injury etc. | BDT. 25,000.00 |
| 2nd& 3rd Degree Burn | Second-degree (partial thickness) burns involve the epidermis and part of the lower layer of skin, the dermis. The burn site looks red, blistered, and may be swollen and painful. Third-degree (full thickness) burns destroy the epidermis and dermis. They may go into the innermost layer of skin, the subcutaneous tissue. The burn site may look white or blackened and charred. | BDT. 18,750.00 |
| Chest Injury, Internal Injury | These injuries can be more severe such as broken ribs or internal injuries such as internal bleedings. Blunt trauma occurs when a part of the body collides with something else, particularly at high speed or with great force. When this happens, blood vessels inside the body can be crushed or torn. Penetrating trauma occurs when an object penetrates the body and tears holes in blood vessels, muscle and internal organs. This can happen when someone falls onto a sharp object, as in workplace accidents, or when objects collide with and penetrate the body in motor vehicle accidents. | BDT. 12,500.00 |
| Acute Lung Injury (ALI), Acute Respiratory Distress Syndrome | Travelers may experience respiratory impairment from submersion/immersion in water or any other liquid due an accident while traveling. These acute lung conditions mostly occur when a person drowns in water following an accident. | BDT. 10,000 |
| Fractures, Dislocation, Dismemberment, Amputation | A fracture is a break, usually in a bone. If the broken bone punctures the skin, it is called an open or compound fracture. A dislocation is an injury to a joint — a place where two or more bones come together — in which the ends of the bones are forced from their normal positions. Dismemberment or amputation is a cut off or disjoin of a limb or a part of a limb. | BDT. 6,250.00 |
| Scrape and Cut Injury, Abrasions, Soft Tissue Injury, 1st Degree Burn | Cuts and scratches are areas of damage on the surface of the skin. A cut is a line of damage that can go through the skin and into the muscle tissues below, whereas a scrape is surface damage that does not penetrate the lower tissues. A soft tissue injury is damage to the body’s connective tissue, which means muscles, ligaments and tendons. An abrasion or "excoriation" is a wearing away of the upper layer of skin as a result of applied friction force. First-degree burns affect only the outer layer of skin, the epidermis. | BDT. 2,500.00 |
1.7 Claim Documentation
The claimant must provide the below mentioned documents in digital formats in order to submit a claim:
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. Domestic Travel Bima – Domestic Hotels and Holidays
2.1 General Definitions
“Insured Member” means the person(s) who has been registered or enrolled under the group life insurance policy through this Service.
“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 (MBBS or equivalent degree holder).
“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.
“Emergency Medical Condition” means an illness or medical conditions except Accidental Injury which is acute in nature and poses an immediate risk to the Insured Person’s life or long-term health and is not a medical condition or illness pre-existing to the commencement date of the insurance coverage.
“Hospitalization or Hospitalized” means the Insured Member’s admission into a Hospital for a minimum of 24 or more consecutive hours for In-Patient Treatment due to an Emergency Medical Condition.
“Dengue Fever” means breakbone fever sustained by the Insured Member due to any of the Dengue viruses.
“Doctor Consultation” means consultation taken by the Insured Member from a valid medical professional (MBBS or equivalent degree holder) due to an Emergency Medical Condition.
“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 or Firsttrip.
2.2 Eligibility and Terms
An Accidental Death, Accidental Injury, Emergency Hospitalization, Dengue Fever, and Doctor Consultation coverage shall be applicable for the Insured Members who have been registered or enrolled under the group life insurance policy through this digital insurance subscription (the Service) while booking a travel package from Firsttrip website/mobile application. Only the Insured Members shall be under the insurance coverage while traveling with a valid travel package booking from Firsttrip with certain provisions, and limitations as per the following:
- 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
The Insured Member or the legal nominee (in applicable cases) of the Insured Member shall be able to claim the insurance benefits in case of a covered event as per the following table:
| Type of Coverage | Sum Assured/Coverage Amount (BDT) | |
|---|---|---|
| Accidental Death | BDT. 100,000 | |
| Accidental Injury (sub-limits apply) | Up to BDT. 50,000 | |
| Emergency Hospitalization (daily basis, up to 5 nights) | Up to BDT. 10,000 | |
| Dengue Fever | BDT. 5,000 | |
| Doctor Consultation | BDT. 500 | |
2.4 Exclusions
The following exclusions shall be applicable for the insurance coverage:
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
Accidental Injury benefits can be further classified under 5 (five) different categories with corresponding benefits as per the following table:
| Types of Accidental Injury | Description of Accidental Injury due to Accident | Sum Assured /Coverage Amount (BDT) |
|---|---|---|
| Head Injuries | Severe collision impacts can cause a closed head injury. In that situation, the fluid and tissue inside the skull are damaged because of the sudden movement or impact of the head. Less severe closed head injuries often result in concussions, while the most severe impacts can cause brain damage. Major types of head injuries include Hematoma, Hemorrhage, Concussion, Edema, Skull fracture, Diffuse axonal injury etc. | BDT. 50,000.00 |
| 2nd& 3rd Degree Burn | Second-degree (partial thickness) burns involve the epidermis and part of the lower layer of skin, the dermis. The burn site looks red, blistered, and may be swollen and painful. Third-degree (full thickness) burns destroy the epidermis and dermis. They may go into the innermost layer of skin, the subcutaneous tissue. The burn site may look white or blackened and charred. | BDT. 37,500.00 |
| Chest Injury, Internal Injury | These injuries can be more severe such as broken ribs or internal injuries such as internal bleedings. Blunt trauma occurs when a part of the body collides with something else, particularly at high speed or with great force. When this happens, blood vessels inside the body can be crushed or torn. Penetrating trauma occurs when an object penetrates the body and tears holes in blood vessels, muscle and internal organs. This can happen when someone falls onto a sharp object, as in workplace accidents, or when objects collide with and penetrate the body in motor vehicle accidents. | BDT. 25,000.00 |
| Fractures, Dislocation, Dismemberment, Amputation | A fracture is a break, usually in a bone. If the broken bone punctures the skin, it is called an open or compound fracture. A dislocation is an injury to a joint — a place where two or more bones come together — in which the ends of the bones are forced from their normal positions. Dismemberment or amputation is a cut off or disjoin of a limb or a part of a limb. | BDT. 12,500.00 |
| Scrape and Cut, Abrasions, Soft Tissue Injury, 1st Degree Burn | Cuts and scratches are areas of damage on the surface of the skin. A cut is a line of damage that can go through the skin and into the muscle tissues below, whereas a scrape is surface damage that does not penetrate the lower tissues. A soft tissue injury is damage to the body’s connective tissue, which means muscles, ligaments and tendons. An abrasion or "excoriation" is a wearing away of the upper layer of skin as a result of applied friction force. First-degree burns affect only the outer layer of skin, the epidermis. | BDT. 2,500.00 |
2.6 Claim Documentation
The claimant must provide the below mentioned documents in digital formats in order to submit a claim:
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
All claims are subject to verification by Insurance Partner and Insurance Partner reserves the right to reject any claim if it is deemed invalid/inappropriate or not applicable under insurance coverage.
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 Insured Member or legal nominee of the Insured Member (in applicable cases).
3. International Travel Bima (Silver/Gold) – International Flights
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
All insurance coverage shall be applicable for the Insured Members who have been registered or enrolled under the group life insurance policy through this digital insurance subscription (the Service) while booking or purchasing a bus/air/launch ticket from Firsttrip website/mobile application. Only the Insured Member(s) shall be under the insurance coverage with a valid bus/air/launch ticket booking from Firsttrip with certain provisions, and limitations as per the following:
- 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
The Insured Member or the legal nominee (in applicable cases) of the Insured Member shall be able to claim the insurance benefits in case of a covered event as per the following table:
| Type of Covered Event | Silver Plan – 15 Days Coverage | Gold Plan – 30 Days Coverage |
|---|---|---|
| Sum Assured/Coverage Amount (USD.) | ||
| Death (Natural/Accidental) | USD. 5,000 (Lump-sum benefit) | USD. 5,000 (Lump-sum benefit) |
| Funeral Benefit (Due to Natural/Accidental Death) | USD. 500 (Lump-sum benefit) | USD. 500 (Lump-sum benefit) |
| Personal Accident | Up to USD. 500 (fixed benefit as per sub-limits) | Up to USD. 500 (fixed benefit as per sub-limits) |
| Hospitalization Allowance (Daily basis) | Up to USD. 500 (USD. 50 per day for maximum 10 days) | Up to USD. 500 (USD. 50 per day for maximum 10 days) |
| Emergency Transportation | Up to USD. 150 (at actual) | Up to USD. 150 (at actual) |
| OPD/Outdoor Treatment | Up to USD. 50 (at actual, maximum USD. 25 per consultation) | Up to USD. 50 (at actual, maximum USD. 25 per consultation) |
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
The following exclusions shall be applicable for the insurance coverage:
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
Personal Accident Benefit can be further classified under different categories based on the type of Accidental Injury sustained by the Insured Member with corresponding level of benefits. Insured Member or the legal nominee (in applicable cases) shall receive financial benefits against Accidental Injury based on the nature of the injury as per the below table.
| Types of Accidental Injury | Description of Accidental Injury due to Accident | Sum Assured /Coverage Amount (USD) |
|---|---|---|
| Head Injuries | Severe collision impacts can cause a closed head injury. In that situation, the fluid and tissue inside the skull are damaged because of the sudden movement or impact of the head. Less severe closed head injuries often result in concussions, while the most severe impacts can cause brain damage. Major types of head injuries include Hematoma, Hemorrhage, Concussion, Edema, Skull fracture, Diffuse axonal injury etc. | USD. 500 |
| 3rd Degree Burn | Third-degree (full thickness) burns destroy the epidermis and dermis. They may go into the innermost layer of skin, the subcutaneous tissue. The burn site may look white or blackened and charred. | USD. 250 |
| Chest Injury, Internal Injury | These injuries can be more severe such as broken ribs or internal injuries such as internal bleedings. Blunt trauma occurs when a part of the body collides with something else, particularly at high speed or with great force. When this happens, blood vessels inside the body can be crushed or torn. Penetrating trauma occurs when an object penetrates the body and tears holes in blood vessels, muscle and internal organs. This can happen when someone falls onto a sharp object, as in workplace accidents, or when objects collide with and penetrate the body in motor vehicle accidents. | USD. 250 |
| Acute Lung Injury (ALI), Acute Respiratory Distress Syndrome due to Drowning | Travelers may experience respiratory impairment from submersion/immersion in water or any other liquid due an accident while traveling. These acute lung conditions mostly occur when a person drowns in water following an accident. | USD. 150 |
| Fractures, Dislocation, Dismemberment, Amputation, 2nd Degree Burn | A fracture is a break, usually in a bone. If the broken bone punctures the skin, it is called an open or compound fracture. A dislocation is an injury to a joint — a place where two or more bones come together — in which the ends of the bones are forced from their normal positions. Dismemberment or amputation is a cut off or disjoin of a limb or a part of a limb. Second-degree burns involve the epidermis and part of the lower layer of skin, the dermis. The burn site looks red, blistered, and may be swollen and painful. | USD. 150 |
| Cut Injury, Scrape/Abrasions, Soft Tissue Injury, Sprain, 1st Degree Burn | Cuts and scratches are areas of damage on the surface of the skin. A cut is a line of damage that can go through the skin and into the muscle tissues below, whereas a scrape is surface damage that does not penetrate the lower tissues. Soft tissue injury is damage to the body’s connective tissue, which means muscles, ligaments and tendons. An abrasion or "excoriation" is a wearing away of the upper layer of skin as a result of applied friction force. A sprain is an injury to a ligament caused by tearing of the fibers of the ligament. The ligament can have a partial tear, or it can be completely torn apart. First-degree burns affect only the outer layer of skin, the epidermis. | USD. 50 |
3.7 Claim Documentation
The claimant must provide the below mentioned documents in digital formats in order to submit a claim (Please note that if the medical documents are not in English language, then the claimant must provide copies of certified translation of the medical documents along with the original ones):
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.
6. Claim Decision and Settlement
Claims can be submitted using the dedicated online claim platform by providing necessary information and by attaching/uploading relevant claim documents (scanned images/clear photographs of the medical and other relevant documents). A list of required documents for particular subscription package is provided above in the Claim Documentation sections (section 1.7, 2.6, 3.7, 4.8, and 5.7 respectively).
Upon subscription to any of the service packages, you shall get a confirmation SMS and email with a confirmation to the subscription.
Upon subscription to any of the service packages, you shall get a confirmation SMS and email with a confirmation to the subscription.
6.1 Claim submission timeline
Claims must be submitted with all required documents within the below specific timeline of the Covered Event using the dedicated platform provided by Bimafy:
- 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:
- 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”).
- 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.
7. Privacy Terms
Introduction
Bimafy Ltd. (“We, “Us”, “Our” – also referred to as Bimafy) recognize the importance of maintaining your privacy. We are committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how we collect and handle certain information from you when you use our website.
The details enlisted here covers the type of information we may collect from you in the process of operating the platform, how that information is used in connection with the services offered through our Site and mobile App, and shared with our Business Partners. This Privacy Policy applies to the visitors, and users of our Platform. By visiting and/or using our Platform, you agree to this Privacy Policy. To assist us in protecting your privacy, you should strictly maintain the secrecy of your login ID and password, if any, provided to you by us in connection with your account with Bimafy.
Collecting Your Personal Information
We may collect information from you when you perform any of the following activities on our website (including but not limited to):
- 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
We shall use the information primarily for the following purposes:
- 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.
Log Files
As like most websites, we also gather certain information automatically and store it in our log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. This information is not linked to any information that is personally identifiable.
We use this information, which does not identify any individual users, to analyze trends, to administer the site, to track user movements around the site and to gather demographic information about our user base.
IP addresses are tied to personally identifiable information to help us customize your future visits to our website. However, we would like to reiterate that this information is not shared with any third parties for their promotional purposes, except as provided under Disclosure of Information clause below.
We store cookies on your computer when you visit our website. A cookie is a small text file that is stored on a user's computer for record-keeping purposes and the primary purpose of these cookies are to analyze how our users move within the website. Our cookies let you view customized pages while transacting or interacting with us. Our cookies do not have confidential or personally identifiable information. Since we use session ID cookies, they do not track a user after leaving our website. A session ID cookie expires when you close the browser. It is required if you want to buy an insurance policy online through us. We also use analytic tools to track visitor traffic on our website.
Some of our third-party service providers such as chat support use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by www.bimafy.com only and does not cover the use of cookies by any third parties.
Disclosure of Information
Subject to the other terms included herein, we shall not disclose your information to any other third parties or affiliates for their promotional purposes (except for the relevant financial institution or “Providers”), unless acting under a good faith belief that such activities are necessary to:
- 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.
Updating Your Personal Information
If you need to update your personal information or there is any change in the personal information recorded at our end, or if you want to discontinue using our service, you may update or delete it by making the change on our registration page or by emailing our team at [email protected] or by contacting us by telephone or postal mail at the contact information listed below.
Security
The security of your personal information is important to us. When you enter sensitive information such as debit/credit card number, postal address, mobile number etc. on our registration or order forms, we encrypt that information using Secure Socket Layer Technology (SSL). To learn more about SSL, follow this link https://www.ssl.com/faqs/faq-what-is-ssl
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and after receiving. However, no method of transmission over the internet, or method of electronic storage is completely secured and we cannot guarantee that the security of such information will be adequate enough. We always try to ensure commercially acceptable means to protect your personal information.
Links To Other Sites
The platform may contain links to other sites and/or portals on the internet. We intend to link only to such sites that share our high standards and respect for privacy, but we will not be responsible for the content or the privacy practices enforced by such other sites.
Please be aware that websites that have links from our site may collect personally identifiable information about you. This privacy policy does not cover the information and disclosure policies of those external websites. When you leave our site to visit any external website, please read the privacy statements of each and every website that collects personally identifiable information.
Changes In This Privacy Statement
We reserve the right to modify this privacy statement at any time by posting the same on the website. Please review this frequently on the website. If we materially change our privacy policy then we will notify you by sending an email or by posting a notice on our website.
Business Transitions
In the event Bimafy Ltd. goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email or a prominent notice on our website for 30 days of any such change in ownership or control of your personal information.
Contact Us
Bimafy Ltd.
Corporate Office Address: Level 5, House 13, Road 11, Lake View, Uttar Badda, Dhaka – 1212
Phone: 09606991991 (Customer Service), 01892090020 (B2B)
E-mail: [email protected]
Office visiting hours: Sunday to Thursday, 10 AM – 6 PM
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