Terms & Conditions:
Passenger Bima - Domestic Flight Journey
1.1 General Definitions
- “Insured Member” means the person(s) who has opted in for an insurance coverage while purchasing a travel service (including but not limited to: Air/Bus/Launch/Train ticket, holiday/tour package, hotel booking, visa processing, etc.) from Sharetrip.
- “Accident” means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
- “Accidental Injury” means accidental physical or bodily harm to the Insured Member excluding the reasons mentioned under the Exclusions below, which is solely and directly caused by external, violent, visible, and evident means, and is verified or certified by a valid medical professional (MBBS or equivalent degree holder).
- “Accidental Hospitalization (including day-care treatment)” means hospitalization or treatment taken by the Insured Member in a registered day-care facility due to an Accidental Injury.
- “Accidental Death” means death of the Insured Member due to an Accident except due any unlawful activity and due to the reasons mentioned under Exclusions below.
- “COVID-19” means respiratory infection of the Insured Member due to the Coronavirus (SARS-CoV-2).
- “Dengue Fever” means illness of the Insured Member due to Dengue Virus.
- “Insurance Partner” means a third-party insurance company with applicable registration and license from the relevant authority in Bangladesh who is an independent contractor and not Bimafy (bimafy.com) or Sharetrip.
1.2 Eligibility and Terms
An Accidental Death, Accidental Hospitalization (including day-care treatment), COVID-19/Dengue Fever, and OPD/Outdoor coverage will 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 Sharetrip website/mobile application. Only the Insured Member(s) shall be under the insurance coverage with a valid bus/air/launch ticket booking from Sharetrip with certain provisions, and limitations as per the following:
- The Insured Member must be aged 18 years at the time of enrollment. If an Insured Member is aged below 18 (eighteen years) at the time of enrollment then a parent or legal guardian must accompany him/her during the travel with a separate insurance subscription for the parent/legal guardian.
- Insurance coverage shall be applicable for traveling within the territory of Bangladesh only.
- All insurance coverage is applicable for the journey duration, starting from departure till arrival with an effective waiting period of 48 (forty-eight hours) from the time of departure for any respiratory infection due to Coronavirus (COVID-19) or Dengue Fever. However, COVID-19 and Dengue Fever is covered if the diagnosis is confirmed within 7 (seven) days from the date of journey.
1.3 Insurance Benefit Schedule
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 Coverage | Sum Assured/Coverage Amount (BDT.) |
Accidental Death | BDT. 100,000 |
Accidental Hospitalization (including day-care treatment) | Up to BDT. 25,000 (as per section 1.5) |
COVID-19 and/or Dengue Fever | BDT. 5,000 |
OPD/Outdoor Treatment | BDT. 500 |
1.4 Exclusions
The following exclusions shall be applicable for the insurance coverage:
General Exclusions:
- Any pre-existing conditions.
- Any mental, emotional, and psychiatric disorders, alcoholism or any other narcotic addiction.
iii.Any condition due to consuming addictive substances.
- The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV virus and sexually transmitted diseases.
- Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council).
Specific Exclusions for Accidental Death:
- 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;
Specific Exclusions for Accidental Hospitalization (including Day-Care Treatment):
- Accidents due to any unlawful activities or due to use of addictive substances by the Insured Member.
1.5 Special Provisions for Accidental Hospitalization (Including Day-Care Treatment)
Accidental Hospitalization (including day-care treatment) can be further classified different categories with corresponding benefits as per the following 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. 25,000.00 |
2nd& 3rd Degree Burn | Second-degree (partial thickness) burns. 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. 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. | BDT. 18,750.00 |
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. 12,500.00 |
Acute Lung Injury (ALI), acute respiratory distress syndrome | 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. | BDT. 10,000 |
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. 6,250.00 |
Scrape and Cut, Abrasions, Soft Tissue Injury, 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. A 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. First-degree burns affect only the outer layer of skin, the epidermis. | BDT. 2,500.00 |
1.6 Claim Documentation
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)
- Copy of NID/Passport/Birth Certificate of the Insured Person
- Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death
iii.Post-mortem report
- Copy of NID/Passport/Birth Certificate of the Legal nominee
- Any other relevant documents which may require
- b) For Accidental Hospitalization (including day-care treatment)
- Copy of NID/Passport/Birth Certificate
- Doctor’s prescription/emergency ticket
iii.Doctor’s Advice for hospitalization (in applicable cases)
- Discharge Certificate (in applicable cases)
- All medical bills
- All diagnostic test reports such as X-Ray, City Scan, MRI or such relevant reports
vii.Any other supporting documents (if required)
- c)For COVID-19/Dengue Fever
- Doctor’s advice for COVID-19/Dengue Test
- COVID-19/Dengue Test Report stating “Positive” results
iii.Screenshot of SMS from government authority stating the test result with Patient Name (For COVID-19 only)
- Any other supporting documents (if required)
- d) For OPD/Outdoor Treatment
- Doctor’s prescription/emergency ticket
- Bill from hospital/Doctor’s chamber
1.7 Limitations
- 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 is not provided.
1.8 Subscription Fee
BDT. 10 (taka ten only) per Insured Member Per Subscription. This fee is refundable up to the day before the departure date.
1.9 Payment of Subscription Fee
Subscription fees must be paid on a real-time basis, through Sharetrip (direct/ mobile app/ website) during the checkout of travel booking. Sharetrip customers and/or platform users must provide all the necessary information regarding the Insured Member (i.e., Full Name, Date of Birth, Phone Number, email address, etc.) and bus/air/launch journey details (i.e., bus/air/launch journey date and time, departure and arrival location and time etc.) in order to ensure proper insurance enrollment and claim settlement.
2.0 Claim Decision and Settlement
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 in the Claim Documentation section (section 1.6 above).
Insurance claims must be submitted with all required documents within 30 (thirty) days of the covered event using the dedicated platform provided by Bimafy.
Download the Bimafy mobile app from Google Play store and sign up using the email address or phone number that you have used to make the booking at Sharetrip. Your insurance coverage shall be visible under the “Active Coverage” section. Click on the “Claim Now” button to submit your claim.
Alternatively, you may visit the following link in order to submit your claim.
https://bimafy.com/claims/sharetrip
Select the type of insurance subscription package, your claim type. Fill up the online claim form, upload necessary documents, and then submit.
*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 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).
DISCLAIMERS, LIMITATION OF LIABILITY, AND INDEMNITY
- By using this service, you acknowledge and agree to the following:
- Various obligations and commitments of Bimafy under the terms of the Service may in the future become subject to requirements, restrictions or approvals of various governmental or regulatory authorities (“Authorities”),
- Bimafy shall not be liable or responsible to you for failure to perform or comply with the provisions of the terms of the Service in any way, in case any Authority does not provide the necessary approval(s) to Bimafy or in case any such authority imposes any restrictions on Bimafy or raises any objection in relation to the Services or any activity or obligation of Bimafy. In such a case, Sharetrip and Bimafy shall enter into good faith discussions with the view to identify mutually agreed alternatives, failing which either party shall have the right to terminate the Agreement between them with immediate effect. In such an event, Bimafy shall refund the payment taken for undelivered services to you within 7 (seven) working days from the date the agreement is terminated or the mutually agreed decision is reached.
- 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.
- 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.
Privacy Terms
- Introduction
Bimafy Limited and its website www.bimafy.com (“We'', “Us”, “Our”) 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 or any of our services through any third parties. The details enlisted here covers the type of information we may collect from you in the process of providing our services, how that information is used in connection with the services offered through third parties and shared with our Business Partners (i.e., Insurance Companies). This Privacy Policy applies to the users of our services via any third party. By using our services, you agree to this Privacy Policy. To assist us in protecting your privacy, you should strictly maintain the secrecy of your credentials, if any, provided to you by us in connection with your account withwww.bimafy.com or any other service subscription.
- Collecting Your Personal Information
We may collect information from you when you perform any of the following activities on our website or use any of our service directly or indirectly via any third parties (including but not limited to):
- Request information from our website or platform
- Use our online tools and calculators
- Apply online to purchase insurance policies from various Providers (i.e., Insurance Companies)
- Purchase/subscribe to online services via third parties
- Fill-up an online form
- Submit and insurance claim
- Conduct transactions using our website or platform; etc.
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 while availing our services. If you apply to purchase any insurance policies through us or any third party, we will collect additional information which are required by the insurance companies to underwrite relevant insurable risks such as (including but not limited to) name/details of the insured person/asset, date of birth, sex, identity marks (such as registration numbers or IMEI numbers, 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 policy using our website or submit an insurance claim. We may also preserve a copy of the insurance policies acquired by you by using our Service for future reference. If you choose to use our referral service to share with 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.
- Use Of Your Personal Information
We shall use the information primarily for the following purposes:
- Providing insurance coverage as per the policy details stipulated herein. By using the service, you also agree and acknowledge that your personal information provided through Sharetrip shall be shared with the respective Insurance Partner in order to underwrite the risk.
By using our service, you hereby authorize us to contact you via phone calls, emails and/or text messages on the contact details provided by you, to furnish you with information with regards to our services and products of our Business Partners (i.e., insurance companies).
We may use the information provided by you to customize your future visits to our website by displaying appropriate content at our judgment and discretion.
To send you information about products and services offered by us, our Business Partners and their affiliates, to contact you for policy renewal reminder notices, claims processing and to keep you updated on the insurance sector and bimafy.com through newsletters. In case you do not wish to receive such information, you may unsubscribe through the facility in the emails you receive.
- Log Files
As like most digital services, 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 the Disclosure of Information clause below.
We store cookies on your computer when you visit our website using a third-party link. 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.
- Disclosure Of Information
Subject to the other terms included herein, we will not disclose your information to any other parties or affiliates for their promotional purposes, unless acting under a good faith belief that such activities are necessary to:
- Conform to any statutory or legal requirements or to comply with legal process or judicial orders
- Protect, enforce and defend our rights, interests or property.
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 Limited 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 or regulatory authorities as required by them and you cannot 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 fulfill 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.
- Updating Your Personal Information
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 website team at cs@bimafy.com or by contacting us by telephone or postal mail at the contact information listed below.
- Security
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 linkhttps://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.
- Links To Other Sites
The website 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.
- Changes In This Privacy Statement
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.