Loading...
Please read these terms and conditions carefully before using the Bimafy insurance services.
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 Voyara website/mobile application. Only the Insured Member(s) shall be under the insurance coverage with a valid bus/air/launch ticket booking from Voyara with certain provisions, and limitations as per the following :
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 1,00,000 (Lump-sum benefit) |
| Personal Accident Benefit | Up to BDT 25,000 (Fixed benefit) as per sub-limits under section 1.6 |
| Dengue Fever | BDT 29,000 (Fixed benefit) |
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.
The following exclusions shall be applicable for the insurance coverage:
General Exclusions :
Specific Exclusions for Accidental Death:
Specific Exclusions for Personal Accident Benefit:
Rescheduled Flight and Insurance Cancellation :
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 |
| 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 |
| 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 |
| 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 |
| Scrape and Cut Injury, Abrasions, Soft Tissue Injury, 1st 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. | BDT 6,250 |
The claimant must provide the below mentioned documents in digital formats in order to submit a claim :
a. For Accidental Deaths (Claim to be submitted by the legal nominee)
b. For Accidental Injury
c. For Dengue Fever
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 Voyara website/mobile application. Only the Insured Member(s) shall be under the insurance coverage with a valid bus/air/launch ticket booking from Voyara website/mobile application with certain provisions, and limitations as per the following:
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 |
|---|---|---|
| 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 under section 1.6) | Up to USD. 500 (fixed benefit as per sub-limits under section 2.6) |
| 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) |
| 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) |
The following exclusions shall be applicable for the insurance coverage:
For Death Benefit :
For Funeral Benefit :
For Personal Accident Benefit :
For Hospitalization Allowance (Daily Basis):
For Emergency Transportation:
For Out-door Doctor Visit/Consultation:
Rescheduled Flight and Insurance Cancellation :
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. Third-degree 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 |
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):
a. For Death and Funeral Benefit Claim (Natural/Accidental - Claim to be submitted by the legal nominee)
b. For Personal Accident Benefit Claim
c. For Hospitalization Allowance Benefit Claim :
d. For Emergency Transportation Claim :
e. For OPD/Outdoor Treatment :
Insurance 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 insurance subscription package is provided above in the Claim Documentation sections (section 1.7, 2.7, and 3.8 respectively).
Upon subscription to any of the insurance packages, you shall get a confirmation SMS and email with a confirmation to insurance subscription.
Insurance claims must be submitted with all required documents within the below specific timeline of the Covered Event using the dedicated platform provided by Bimafy:
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 Voyara. Your insurance coverage 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: claims@bimafy.com 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 Insurance Partner and Insurance Partner reserves the right to reject any claim if it is deemed invalid/inappropriate or not applicable under insurance 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 Insured Member or legal nominee of the Insured Member (in applicable cases).
a. By using this service, you acknowledge and agree to the following:
b. 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.
c. 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.
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.
We may collect information from you when you perform any of the following activities on our website (including but not limited to):
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.
We shall use the information primarily for the following purposes :
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.
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:
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: cs@bimafy.com
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.
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 cs@bimafy.com or by contacting us by telephone or postal mail at the contact information listed below.
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.
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.
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.
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.
Bimafy Ltd.
🏢Corporate Office: Level 5, House 13, Road 11, Lake View, Uttar Badda, Dhaka – 1212
📞Phone: 09606991991 (Customer Service), 01892090020 (B2B)
✉️Email: cs@bimafy.com
⏰Office Hours: Sunday to Thursday, 10 AM – 6 PM