Health Insurance

i. Protection Against Critical Illness (PACI):
Protect you against 52 critical diseases.
Generally, most of the times, some critical disease arise in our life without notice and fall our families into grievous financial shock followed by severe crisis. In these situations, the families have to suffers many problems, mostly including the below two, which lead the families to the ultimate financial uncertainty for their future:

i. Discontinuation of Regular Income for maintaining the families; and
ii. Losing of most of the Savings and/ or Permanent/ Real Assets of the families.

With the advancement of the medical science, it’s now possible to be recovered from most of the critical diseases, though the treatment cost is huge. But, if these dread diseases strike anyone in the old age, especially, after retirement, the situation will be worst for him to arrange the huge treatment cost. Keeping this in mind, Protective Life has brought a very special and exceptional insurance benefit named ‘Protection Against Critical Illness (PACI)’ that protects you financially against 52 Critical illnesses until your age of 80 years. You can choose a fixed premium payment term of 10, 15 or 20 years and enjoy coverage up to 80 years of your age. This essential insurance plan allows you paying the premium when you are earning but enjoying the coverage when you are out of direct income.

Long-Term Coverage:
Due to the advancement of economic and health system, life expectancy in Bangladesh is increasing. While almost all critical illness Policies are currently providing coverage for up to 60 years it’s the market demand for a Policy that can serve longer. This Policy provides Critical Illness and Life Insurance Coverage until insured’s age of 80 years.

18 Minor Critical Illness Coverage:
If the insured diagnosed or undergone surgery with any of the covered 18 minor critical illnesses during the term of this policy then 25% of  Face Amount (FA)  or BDT 500,000, whichever is lower, will be paid as an minor  critical illness coverage. Insured can claim for minor critical illness coverage once. Policy will remain continued for other coverages even if claim is paid under Minor Critical Illness.

List of 18 Minor Critical Illness diseases:
1. Cerebral Shunt Insertion
2. Carcinoma in situ and other Early
carcinomas in Special Organs
3. Cardiac Pacemaker or Defibrillator
4. Coronary Angioplasty
5. Other coronary artery diseases of lower
severity

6. Percutaneous Heart Valve Surgery
7. Second Degree Burns
8. Blindness of lower severity
9. Secondary Pulmonary arterial
hypertension

10. Surgical removal of One Lung
11. Nephrectomy/ Removal of one kidney
12. Minimally invasive aortic valve surgery
13. Small Bowel Transplant
14. Cochlear Implant Surgery
15. Early Parkinson’s disease
16. Coma of lower severity

17. Pituitary Tumor Surgery
18. Spinal Cord Disease or injury resulting in
Bladder dysfunction spinal cord/ Cauda
Equina Disease or Injury

34 Major Critical Illness Coverage:
If the insured is diagnosed or undergone surgery with any of the covered 34 major critical
illnesses during the term of this policy, 100% of Face Amount, less the amount paid or payable
under minor Critical Illness, will be paid. Policy will terminate once major critical illness
coverage is paid. 
1. Cancer
2. Stroke
3. First Heart Attack
4. Coronary artery bypass surgery
5. Other Serious Coronary artery disease
6. Heart valve surgery/ replacement
7. Major Burns
8. Blindness
9. Pulmonary Arterial Hypertension
(Primary)
10. End Stage of Lung Disease
11. Kidney/ Renal failure
12. Surgery for disease of Aorta
13. Major organ transplant
14. Deafness
15. Parkinson’s Disease
16. Coma
17. Surgical Removal of Benign Brain Tumor
18. Paralysis

19. Major Head trauma
20. Bacterial Meningitis
21. Loss of Speech.
22. Aplastic Anaemia
23. Muscular Dystrophy
24. Alzheimer’s Disease/ Irreversible Organic
Degenerative Brain Disorders
25. Motor Neuron Disease
26. Cardiomyopathy
27. End Stage of Liver Failure
28. Fulminant Viral Hepatitis
29. Occupationally Acquired Human
Immunodeficiency Virus (HIV)
30. Encephalitis
31. Brain Surgery
32. Systemic Lupus Erythematosus (SLE)
with severe kidney complications
33. Multiple Sclerosis
34. Medullary Cystic Disease

Death Coverage Due to Any Cause:
In case of unfortunate demise of the insured –
 100% of Face Amount less any amount paid or payable under minor critical illness will
be paid.
 Additional benefit equivalent to 25% of Face Amount or BDT 500,000, whichever is
lower, will be paid if death occurs due to Dengue Hemorrhagic Fever (DHF) or
Chikungunya Fever.
Tax Advantages
Tax advantages regarding the contribution payment are subject to Tax laws/rules of the
Bangladesh Government. Please consult your Tax advisor for confirmation and advice.

ii. Critical Illness Protections with Death Benefits
(Life Insurance Policy and Critical Illness Insurance in a Single Package)
Death due to Covered Critical Illness:
If the insured person dies due to any of the covered critical illnesses, Protective Life will pay the
insured amount to the respective Beneficiary(ies) of the deceased. The coverage amount may
range from BDT 100,000 – 1,000,000.
Death due to non Covered Critical Illness:
If the insured person dies due to any reason other than the covered critical illness Protective Life
shall pay one-tenth of coverage amount, or return the Premiums paid-to-date without interest
(whichever is higher) to the Beneficiary(ies).
Diagnosis/Surgery Benefit:
Upon diagnosis of or actual undergoing of surgery for, as the case may be, any of the covered
critical illnesses, Protective Life will pay coverage amount selected by you, ranges from
BDT100,000 – BDT1,000,000.
Name of the Covered Critical Illness:
Kidney Failure, End-stage Liver Failure, Stroke, Cancer, First Heart Attack, Coronary Artery
surgery, Serious Coronary Artery Diseases, Heart Valve surgery/replacement, Pulmonary
Arterial Hypertension (primary), Benign Brain Tumor, End Stage of Lung Disease.
100% Premium Back as No Claim Benefits:
If the insured person passes a very healthy life throughout the tenure of the policy period, and
doesn’t need to have the protection facilities of the insurance policy, he/she will be entitled to
100% payback of the total Paid Premium throughout the Policy Period.