Bimafy always emphasizes providing the best insurance solutions to the Bangladeshi people and as a continuation of that effort, recently it has launched a new accident insurance product which is specially designed for motorcycle riders. As the motorbike riders are very much prone to accidents and the previous third party (or the act liability) insurance did not provide substantial coverage against accidental injuries, it is very much needed for a motorcycle rider to have accident insurance in place while riding on the streets so that the insured biker can get a financial benefit in case of any accidental injuries due to a road traffic accident.
Biker Bima is the newly added product line of Bimafy (bimafy.com), countries first online insurance marketplace from where people can easily get their required insurance policies with just a few clicks. Biker Bima provides various accidental injury coverages to a motorcycle rider which comes in handy for someone who faces an accident and gets injured while riding a bike.
This insurance policy provides up to BDT. 55,000 insurance coverage for one year for only BDT. 299 premium. A premium membership card with one-year validity is also issued and delivered to the customers as proof of insurance activation. Customers can also opt-in for cash on delivery payment while ordering on their website https://bimafy.com/accident-insurance/biker-bima
A brief detail of Biker Bima is provided below:
COVERAGE AND BENEFIT DETAILS
- Up to BDT. 50,000 as Accidental Hospitalization (with day-care treatment) Coverage
Up to BDT. 50,000 as Accidental Hospitalization (including day-care treatment) coverage in case of eligible injuries resulted from road-traffic Accidents as per the following:
|Types of Accidental Injuries||Coverage Amount|
|Head Injury||100% (BDT. 50,000)|
|Chest Injury, Internal Injury||50% (BDT. 25,000)|
|Fracture, Dislocation, Dismemberment, Amputation, 2nd Degree Burn, 3rd Degree Burn||30% (BDT. 15,000)|
|Cut injuries, Abrasions, Soft Tissue Injury, 1st Degree Burn||5% (BDT. 2,500)|
- BDT. 5,000 as COVID-19 Coverage
BDT. 5,000 as COVID-19 coverage in case of eligible respiratory infection due to the Coronavirus.
SPECIAL PROVISIONS FOR CLAIMS
- Claims for Accidental Hospitalization can be made multiple times until the total limit of BDT. 50,000 is over.
WAITING PERIOD FOR COVID-19
An initial waiting period of 14 days shall be applicable for any claims due to COVID-19, meaning that the Registered Member cannot get any benefit for COVID-19 infection within the 14 days from the date of purchase of Biker Bima.
LIMITATIONS AND EXCLUSIONS
The following exclusions and limitations shall be applicable for the Insurance Coverage:
- Any pre-existing conditions shall not be covered.
- Any injuries/death due to any unlawful activities shall not be covered (i.e., riding a bike without a valid driving license or under the influence of drugs, etc.).
- Insurance coverage shall be applicable for accidents/incidents occurring within the territory of Bangladesh only.
FEES AND CHARGES:
BDT. 299.00 only per Covered Person per year, paid on the purchase of Biker Bima.
Delivery Charges: Delivery charge shall apply if the customer wants to take the membership card via courier. There is no delivery charge if the customer does not want to take the card and use Bimafy mobile app to manage the coverage.
-BDT. 40 delivery charge for inside Dhaka areas
-BDT. 60 delivery charge for outside Dhaka areas
CLAIM PROCESS AND DECISION
Insurance claims can be raised using the dedicated claims portal on the following hyperlink https://bimafy.com/claims by filling up the online claims form and by attaching relevant claims documents (scanned images/clear photographs).
Successful insurance claims shall be settled in favor of the customer or nominee via bank account or mobile financial system (bKash/Nagad/Rocket etc.) within ten (10) working days after receiving all necessary documents.
For further details, please visit https://bimafy.com/accident-insurance/biker-bima or call bimabd.com customer service at +8809606991991