GoodHope Voluntary Medical Insurance Plan

GoodHope Voluntary Medical Insurance Plan

Voluntary Medical Insurance (VMI) Benefits per Person per Year

• Hospitalization Medical Benefits

  Under voluntary medical insurance Hospitalization benefits, GoodHope Insure Ltd. reimburses the treatment expenses to the insured persons in the event of CONFINEMENT in a HOSPITAL because of Accident or Sickness up to the Maximum Limit/ Sub-Limits of the VMI Plan Category. Our valued clients get the “No Cash Treatment” facility in the leading Hospitals and Clinics in Bangladesh under the exclusive agreement of Network.

• Out-Patient Medical Benefits

  Under voluntary medical insurance Out-Patient Medical benefits, GoodHope Insure Ltd. reimburses the expenses to the insured persons for his/her OPD Treatment of sickness due to Accident or Sickness in any Hospital/ Clinic up to the Maximum Limit/ Sub-Limits of the VMI Plan Category. Our valued clients get the “No Cash Treatment” facility in the leading Hospitals and Clinics in Bangladesh under the exclusive agreement of Network.

Salient Features of GoodHope’s VMI Hospitalization Scheme

• For Assistance on Network Hospital Admission, Staff Doctor available @ 24 Hours Hotline Cell Number.

• Major Accidental Dental Surgery being hospitalized within six months of Accident.

• Post Hospitalization Physiotherapy up to two sessions

• Ambulance Services to the Hospital in case of Emergency.

• Country-wide Hospital Network for No Cash basis Treatment up to the Benefit Limits.

• Medicare Cards provided for referral while taking treatment at the Network Hospitals.

• Post Hospitalization two follow-up visits covered.

• All required Drugs/ Medicines, Diagnostic Check-Ups g. X-Ray, MRI, USG etc. during Hospitalization.

• Treatment by Radiotherapy & Chemotherapy.

• All Consultation Fees during Hospitalization.

• All surgeries and other necessary treatments during Hospitalization.

Salient Features of Protective’s Out-Patient Medical Insurance Scheme

• Reimbursements of all Eligible Out-Patient Treatment Expenses up to Benefit Limits for treatments availed from any Hospital/ Clinic/ Doctor’s chamber.

• All Dental OPD treatments (excluding dental implantation, precious metal and metal ceramics application).

• Artificial Limbs & Eyes, Casts, Braces, Splints and Crutches are provided.

• Medicare Cards provided for use at the Network Hospitals/ Diagnostic Centers up to OPD Plan Limit /Sub-Limits.

• All required Drugs/Medicines, Diagnostic Testingg. X-Ray, MRI, USG etc. per advice of Consultants.

• All Consultation Fees.

Exclusion from the Coverage of VMI

• Medical and other services which are not covered by the Contract

• Medical and other services which are not prescribed by the attending physician, or performed upon Insured's request without medical indications, as well as purchase of medicines or patient care products without medical indications

• AIDS and / or AID related diseases

• Cosmetic surgeries, except for elimination of defects resulted of any trauma or disease

• Pregnancy-related excluding emergency at life threat conditions

• Alcohol and drug addiction treatments

• Treatment for self–inflicted injury

• Treatment for suicidal attempt, other than injury by illegal actions of third parties

Medical Claims Payment Procedure @ GoodHope Insure

The basic system of Medical Insurance Contract is that an Insured gets treatment from the Hospital, pays the expenses from his own pocket and gets the Expenses Reimbursed from GoodHope Insure within the applicable Medical Plan Limits / Sub-Limits. The procedure for claim:

• the Insured Employees or their Dependents will first have to pay the Hospital/ Clinic bill/s

• submit these bills on GoodHope Insure’s Online Claim Portal for reimbursement by uploading -

  • Scanned copy of Hospital Discharge Certificate/ Prescription/ Medical Referral

  • Scanned copy of Itemized Hospital Bill (in Original); and

  • Scanned copy of Original Bill/s for any other Hospital Services provided outside the hospital (e.g., Medicines, Investigations) along with supporting papers (i.e. Doctor’s advice)

  • Scanned copy of all diagnostic reports