chhaya.life

Description

Hospital Cash Coverage
•Taka 20,000 annual coverage
(Taka 1,000 per night)
Accidental Coverage
•Up to Taka 5,000 coverage
Partial Disability Coverage
•Up to Taka 10,000 coverage
Total Disability Coverage
•Taka 10,000 coverage
Complimentary Life Coverage
•Taka 30,000 coverage
(both natural and accidental deaths covered)
Health Discount
•Up to 50% discount on bills from partner hopistals and health outlets
Risks of the Cash Coverages will be underwritten by Pragati Life Insurance Limited

Terms and Conditions

People aged between 5 to 65 years can avail the services.
All services except Cash Coverages can be availed immediately after activation of the subscription.
30 days waiting period after registration applies for availing Cash Coverages.
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:

	RIGHT		LEFT
For total loss of an upper member	70%		60%
For total loss of the hand or forearm	60%		60%
For total loss of a lower member above knee	60%		60%
For total loss of a lower member at the level of the knee or below	50%		50%
For total loss of a foot	40%		40%
For total loss of the thumb	18%		16%
For total loss of the index finger	14%		12%
For total loss of the pinky	12%		10%
For total loss of the middle finger	8%		6%
For total loss of the ring finger	8%		6%
For total loss of the big toe		5%
For total loss of any other toe		3%
For total deafness of one ear		10%
For total deafness, both ears		40%
For total loss of visual acuity of one eye		25%
For total loss of visual acuity of both eyes		100%
For total loss of speech		100%

Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
Complimentary Life Coverage is applicable for accidental deaths only.
All Cash Coverage claims must be made within 90 days of the incident.
The Doctor Consultation service can be availed via Chhaya mobile application by booking appointments with our registered general physicians. Calls will be initiated by Chhaya at pre-scheduled times through our mobile application (in case of video calls) or via telephone (in case of audio calls), followed by issuing of e-prescriptions via Chhaya mobile application.
Health Discount can be availed from active Chhaya partner outlets only.

The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.

Exclusion Clauses

he following conditions are excluded from Cash Coverages:

All pre-existing conditions;
Maternity/childbirth-related conditions;
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV virus;
Any congenital infirmity;
Any minor surgery or daycare treatment;
Circumcision, prophylactic and immunization procedures;
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
IgE test, vitamin tests;
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
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;
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

Description

Hospital Cash Coverage
•Taka 25,000 annual coverage
(Taka 2,000 per night)
Accidental Coverage
•Up to Taka 10,000 coverage
Partial Disability Coverage
•Up to Taka 25,000 coverage
Total Disability Coverage
•Taka 25,000 coverage
Complimentary Life Coverage
•Taka 50,000 coverage
(both natural and accidental deaths covered)
Health Discount
•Up to 50% discount on bills from partner hopistals and health outlets
Risks of the Cash Coverages will be underwritten by Pragati Life Insurance Limited

Terms and Conditions

People aged between 5 to 65 years can avail the services.
All services except Cash Coverages can be availed immediately after activation of the subscription.
30 days waiting period after registration applies for availing Cash Coverages.
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:

	RIGHT		LEFT
For total loss of an upper member	70%		60%
For total loss of the hand or forearm	60%		60%
For total loss of a lower member above knee	60%		60%
For total loss of a lower member at the level of the knee or below	50%		50%
For total loss of a foot	40%		40%
For total loss of the thumb	18%		16%
For total loss of the index finger	14%		12%
For total loss of the pinky	12%		10%
For total loss of the middle finger	8%		6%
For total loss of the ring finger	8%		6%
For total loss of the big toe		5%
For total loss of any other toe		3%
For total deafness of one ear		10%
For total deafness, both ears		40%
For total loss of visual acuity of one eye		25%
For total loss of visual acuity of both eyes		100%
For total loss of speech		100%

Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
Complimentary Life Coverage is applicable for accidental deaths only.
All Cash Coverage claims must be made within 90 days of the incident.
The Doctor Consultation service can be availed via Chhaya mobile application by booking appointments with our registered general physicians. Calls will be initiated by Chhaya at pre-scheduled times through our mobile application (in case of video calls) or via telephone (in case of audio calls), followed by issuing of e-prescriptions via Chhaya mobile application.
Health Discount can be availed from active Chhaya partner outlets only.

The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.

Exclusion Clauses

The following conditions are excluded from Cash Coverages:

All pre-existing conditions;
Maternity/childbirth related conditions;
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
Any congenital infirmity;
Any minor surgery or daycare treatment;
Circumcision, prophylactic and immunisation procedures;
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
IgE test, vitamin tests;
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
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;
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

Description

Hospital Cash Coverage
•Taka 30,000 annual coverage
(Taka 3,000 per night)
Accidental Coverage
•Up to Taka 10,000 coverage
Critical Illnesses Coverage
•Taka 30,000 total coverage (17 specific conditions covered)
Partial Disability Coverage
•Up to Taka 30,000 coverage
Total Disability Coverage
•Taka 30,000 coverage
Complimentary Life Coverage
•Taka 75,000 coverage
(both natural and accidental deaths covered)
Health Discount
•Up to 50% discount on bills from partner hopistals and health outlets
Risks of the Cash Coverages will be underwritten by Pragati Life Insurance Limited

Terms and Conditions

People aged between 5 to 65 years can avail the services.
All services except Cash Coverages can be availed immediately after activation of the subscription.
30 days waiting period after registration applies for availing Cash Coverages.
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:

	RIGHT		LEFT
For total loss of an upper member	70%		60%
For total loss of the hand or forearm	60%		60%
For total loss of a lower member above knee	60%		60%
For total loss of a lower member at the level of the knee or below	50%		50%
For total loss of a foot	40%		40%
For total loss of the thumb	18%		16%
For total loss of the index finger	14%		12%
For total loss of the pinky	12%		10%
For total loss of the middle finger	8%		6%
For total loss of the ring finger	8%		6%
For total loss of the big toe		5%
For total loss of any other toe		3%
For total deafness of one ear		10%
For total deafness, both ears		40%
For total loss of visual acuity of one eye		25%
For total loss of visual acuity of both eyes		100%
For total loss of speech		100%

Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
Complimentary Life Coverage is applicable for accidental deaths only.
All Cash Coverage claims must be made within 90 days of the incident.
The Doctor Consultation service can be availed via Chhaya mobile application by booking appointments with our registered general physicians. Calls will be initiated by Chhaya at pre-scheduled times through our mobile application (in case of video calls) or via telephone (in case of audio calls), followed by issuing of e-prescriptions via Chhaya mobile application.
Health Discount can be availed from active Chhaya partner outlets only.

The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.

Exclusion Clauses

The following conditions are excluded from Cash Coverages:

All pre-existing conditions;
Maternity/childbirth related conditions;
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
Any congenital infirmity;
Any minor surgery or daycare treatment;
Circumcision, prophylactic and immunisation procedures;
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
IgE test, vitamin tests;
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
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;
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

Description

Hospital Cash Coverage
•Taka 50,000 annual coverage
(Taka 5,000 per night)
Accidental Coverage
•Up to Taka 15,000 coverage
Critical Illnesses Coverage
•Taka 50,000 total coverage (17 specific conditions covered)
Partial Disability Coverage
•Up to Taka 50,000 coverage
Total Disability Coverage
•Taka 50,000 coverage
Out-Patient Treatment Coverage
•Taka 2,000 annual coverage
Complimentary Life Coverage
•Taka 100,000 coverage
(both natural and accidental deaths covered)
Health Discount
•Up to 50% discount on bills from partner hopistals and health outlets
Risks of the Cash Coverages will be underwritten by Pragati Life Insurance Limited

Terms and Conditions

People aged between 5 to 65 years can avail the services.
All services except Cash Coverages can be availed immediately after activation of the subscription.
30 days waiting period after registration applies for availing Cash Coverages.
Minimum one night of hospitalisation is needed for Hospital Cash Coverage eligibility. The hospital admission must be based on recommendation by a Bangladesh Medical & Dental Council (BMDC) registered physician. Maximum 5 nights of hospitalisation at a stretch is covered. All pre-existing conditions are excluded.
Critical Illnesses Coverage covers the following conditions: (1) cancer, (2) stroke, (3) myocardial infarction, (4) renal failure, (5) paralysis, (6) coronary artery surgery, (7) major organ transplant, (8) blindness, (9) heart valve replacement, (10) surgery for disease of aorta, (11) multiple sclerosis, (12) aplastic anaemia, (13) malignant brain tumour, (14) end-stage lung disease, (15) major head trauma, (16) complete deafness, and (17) loss of limbs, loss of speech. All pre-existing conditions are excluded.
Partial Disability refers to a condition in which an individual is still able to work but not with the skill and efficiency demonstrated prior to the injury. The scheduled benefits covered under Partial Disability Coverage are as follows:

	RIGHT		LEFT
For total loss of an upper member	70%		60%
For total loss of the hand or forearm	60%		60%
For total loss of a lower member above knee	60%		60%
For total loss of a lower member at the level of the knee or below	50%		50%
For total loss of a foot	40%		40%
For total loss of the thumb	18%		16%
For total loss of the index finger	14%		12%
For total loss of the pinky	12%		10%
For total loss of the middle finger	8%		6%
For total loss of the ring finger	8%		6%
For total loss of the big toe		5%
For total loss of any other toe		3%
For total deafness of one ear		10%
For total deafness, both ears		40%
For total loss of visual acuity of one eye		25%
For total loss of visual acuity of both eyes		100%
For total loss of speech		100%

Total Disability refers to a condition in which an individual is no longer able to work due to an injury.
Out-Patient Treatment Coverage consists of the following elements: (a) up to 30% of the coverage amount for doctor consultation – maximum Taka 300 for general physician visit and maximum Taka 1,000 for specialist visit; (b) up to 35% of the coverage amount for medicine purchase based on the preceding prescription; and (c) up to 35% of the coverage amount for diagnostic tests based on the preceding prescription. All pre-existing conditions are excluded. Routine doctor consultations, medicine purchases and diagnostic tests are also excluded.
Complimentary Life Coverage is applicable for accidental deaths only.
All Cash Coverage claims must be made within 90 days of the incident.
The Doctor Consultation service can be availed via Chhaya mobile application by booking appointments with our registered general physicians. Calls will be initiated by Chhaya at pre-scheduled times through our mobile application (in case of video calls) or via telephone (in case of audio calls), followed by issuing of e-prescriptions via Chhaya mobile application.
Health Discount can be availed from active Chhaya partner outlets only.

The initial duration of the subscription is 1 year, extendable on a rolling yearly basis through subscription auto-renewal system. Subscribers have the option to cancel their subscriptions any time.

Exclusion Clauses

The following conditions are excluded from Cash Coverages:

All pre-existing conditions;
Maternity/childbirth related conditions;
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus;
Any congenital infirmity;
Any minor surgery or daycare treatment;
Circumcision, prophylactic and immunisation procedures;
Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction;
Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns;
Any procedures which are experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homoeopathy treatment and any Alternative Medical Care (AMC) etc.;
Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification;
Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license etc.), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug;
Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident);
Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intraocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalisation for reconstructive surgery as a consequence of an accident;
Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, epidemic/pandemic, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices;
Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem;
IgE test, vitamin tests;
Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving;
Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene products like sanitary pads, etc.;
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;
Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).

Chhaya Health

Desh 2.0

Prottoy

Prottasha

Prapti