ShareTrip: Book Air Tickets, Hotels, Packages Online

ShareTrip Ltd. serves solely as an aggregator for Bimafy's services. ShareTrip is not liable for any claims, settlements, or other financial matters related to Bimafy. Our role is limited to offering Bimafy products as a service, allowing customers to purchase them while booking flight tickets through the ShareTrip platform. Kindly read the below terms & conditions carefully before you purchase it from ShareTrip.

Terms and Conditions

1. Refund Guard (Domestic/Basic/Pro/Max) - Domestic and International flights

1.1. General Definitions

Insured Person means a person who is a named passenger on a commercial flight ticket booking/PNR and opted for this insurance coverage while booking the flight ticket.
Immediate Family Member means Spouse, Child(ren), Parents, Siblings, and Parents in Law of the Insured Person.
Common Carrier means any Scheduled Airline, which is operating under a valid license from the relevant authority for the transportation of fare paying passengers.

1.2. Eligibility and Terms

All insurance coverage shall be applicable for the Insured Persons who have been registered or enrolled under the insurance policy through this digital insurance subscription (the Service) while purchasing an Air Ticket from an approved air ticketing agent. Only the Insured Person(s) shall be under the insurance coverage with a valid air ticket booking with certain provisions, and limitations as per the following:

Insured Person must be a Bangladeshi national aged above 18 years at the time of subscription. If an Insured Person is aged below 18 (eighteen years) at the time of subscription 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 commence from the date of ticket purchase and shall cease on the last flight date as per the flight ticket booking or on an occurrence of a claim, whichever is earlier.

1.3. Limit of Cover

Plan Variants	Product Code	Premium Per Passenger	Scope of Cover	Sum Insured/Coverage
Refund Guard - Domestic	Confident Cancel -Domestic	BDT 49	Domestic Flights	Up to BDT. 2,500
Refund Guard Basic	Confident Cancel Basic	BDT 299	International Flights	Up to BDT. 17,000
Refund Guard Pro	Confident Cancel Pro	BDT 399	International Flights	Up to BDT. 23,000
Refund Guard Max	Confident Cancel Max	BDT 499	International Flights	Up to BDT. 29,000

1.4. Limit of Liability

Indemnity or benefit payable by the Company under the Policy for any loss in respect of any 1 (one) Insured Person shall not exceed the Sum Insured amounts as stated on the above table under Limit of Cover.

1.5. Covered Expenses

Any Non-Refundable portion of the Air Fare and Services Charges by the air ticket issuing Agent due to the following:

Air Ticket reissue/cancellation due to an Eligible Reason (Covered Events)
No-show at the scheduled flight departure due to an Eligible Reason (Covered Events)

1.6. Covered Events

The Company will reimburse Covered Expenses up to the Sum Insured amount in the event of cancellation or reschedule of trip prior to commencement of such trip due to the following Eligible Reasons:

Insured Person’s death or hospitalization due to illness/injury which was not anticipated at the time of purchase of this Policy.
Death or hospitalization of Immediate Family Members of the Insured Person due to illness/injury which was not anticipated at the time of purchase of this Policy and which requires Insured Person’s presence.
Occurrence of a natural disaster which prevents the Insured Person to board the flight. This coverage will not apply if the natural disaster has been forecasted or a storm has been named prior to purchase of this Policy.
Natural Disaster at the site of destination that renders the destination accommodations uninhabitable. This coverage will not apply if the natural disaster has been forecasted or a storm has been named prior to purchase of this Policy.
Widespread labor strikes acknowledged/published by Public Authority, which the Insured Person could not reasonably avoid or plan ahead in time.
Travel restriction/ban caused by Government regulations/control which the Insured Person could not reasonably avoid or plan ahead in time.
Cancellation/delay (resulting in a No-show) by Common Carrier due to the following reasons:
- Inclement Weather
- Strike or other job action by employees of Common Carrier
- Equipment failure of Common Carrier
- Operational reasons at the departure airport due to air traffic restrictions
- Operational reasons of Common Carrier by which Insured Person is travelling outside of Bangladesh or returning to Bangladesh or travelling between any two international destinations
Serious damage to the principal residence of the Insured Person due to fire, flood, or similar natural disasters such as tornado, earthquake, hurricane etc. requiring Insured Person’s presence on the premises.
Insured Person being kidnapped, detained, quarantined, or subpoenaed to attend a civil proceeding which was not anticipated at the time of purchase of this Policy.
The transportation means using which the Insured Person was traveling to reach the departure location of the scheduled flight is involved in an Accident, which prevented to board the flight.
Insured Person having a previously approved military leave revoked or experiencing a military reassignment (applies only for persons involved in a defense profession such as the Airforce, Army, Navy, etc. and does not apply for any civil services or law enforcement services).
After three (3) years of continuous full-time employment at the same company, the Insured Person being terminated or laid-off by the employer where the Insured Person is not at fault.

1.7. Exceptions

This Policy does not cover:

Any loss compensated by the Common Carrier/Ticketing Agent and refundable portion of the expenses
Any facts or matters causing the delay/cancellation which was publicly announced in advance, and which the Insured Person was aware or reasonably should have been aware prior to the booking
Late arrival of the Insured Person at the airport for the scheduled flight after the official check-in time (except due to an eligible reason – “Covered Events”)
Any air-fare difference due to Air Ticket rescheduling
Visa refusal, or change of mind
Bulk booking/group tickets
Any criminal/illegal activity/felony
Any political strike/riot/possession
Any terrorist activity, war, invasion, act of foreign enemy, mutiny, civil war, war-like operation, rebellion, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or stage of siege
Ionizing radiations or contamination by radioactivity or any nuclear explosion
Epidemics/pandemics
Any effect of a source of radioactivity
Any consequential losses and legal liabilities
Any disputed booking/cancellation
Bankruptcy of the Airline/Ticketing Agent

1.8. Claim Documentation

Insurance claims must be submitted with all required documents within 15 (fifteen) days of the Covered Event using the claim portal on the Bimafy Website/Mobile App.

The Insured Person or the Legal Beneficiary (in case the Insured Person is a minor) must provide adequate proof of loss in order to receive a claim payment. The Company, or its designated representative, will pay a claim after receipt of acceptable proof of loss. Claims will be paid within thirty (30) working days of Company receipt of acceptable proof of loss.

If the Insured Person expires within the coverage of this Policy, then the immediate legal heir shall be considered as the beneficiary of this Policy. The legal heir must submit adequate proof of inheritance if he/she was not declared as the beneficiary to this Policy prior to the claim intimation.

Below is a general check-list of documents. The Company may request for relevant additional documents and/or information to scrutinize the claim.

Copy of passport/visa with entry & exit stamp (where applicable).
Copy of Air Ticket & Boarding Pass (if applicable) with original scheduled itinerary and date of booking.
Details/supporting documents of the refunded amounts by Common Carrier and Ticketing Agent.
Copy of Air Ticket and copies of correspondence with the Airline/Ticketing Agent related to trip cancellation/reschedule.
Medical records/Death certificate of
Insured Person, or Immediate Family Member, if any.
Document evidences such as news link, publication, notice, etc. related to widespread labor strikes/catastrophe acknowledged/published by Public Authority, if any.
Copy of notice/notification/email from Common Carrier regarding any flight cancellation or delay, if any.
Investigation report from the local law-enforcement authority or Fire Service and Civil Defense Authority, if any.
Termination/leave revocation/re-assignment letter from employer, if any.
Proof of No-show (in applicable cases) from the Common Carrier.
Proof of relationship with the Insured Person (in applicable cases).
Any other relevant supporting documents to enhance the merit of the claim.

1.9. Basis of Claim Settlement

All claims shall be settled in equivalent Bangladeshi Taka up to the Sum Insured/Coverage amount. Currency conversion rates shall be determined by the exchange rates declared by the Central Bank of Bangladesh on the first date of occurrence of the Covered Event.

1.10. Misrepresentation and Frauds

The coverage shall be void if there are any concealed or misrepresented material fact or circumstance on the application in obtaining the Policy. All statements and descriptions in an application shall be considered to be representations and not warranties. The misrepresentations, omissions, concealment of facts and incorrect statements may not prevent a recovery under the Policy unless they are fraudulent, material to the acceptance of the risk or the hazard assumed, or the Company in good faith would not have issued the Policy or would have issued it differently if the true facts had been known.

2. Passenger Bima - Domestic Flights

2.1. 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.
“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 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 who underwrites the risks of the group insurance policy.
“Medical Professional” means an individual who is licensed or certified in Bangladesh, having an MBBS or equivalent degree, to perform the necessary medical procedures within his/her scope of practice.

2.2. Eligibility and Terms

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 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 between 6 months and 65 years at the time of subscription. If an Insured Member is aged below 18 (eighteen years) at the time of subscription 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.
Insurance coverage is applicable for the journey day, with an extended coverage of 48 hours following the journey for OPD/Outdoor Treatment, and 7 days for COVID-19 and/or Dengue Fever.
An effective waiting period of 48 (forty-eight hours) from the time of departure shall apply for any respiratory infection due to Coronavirus (COVID-19), and Dengue Fever. However, COVID-19 and Dengue Fever are covered if the diagnosis is confirmed within 7 (seven) days from the date of the journey.

2.3. 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 Covered Event	Sum Assured/Coverage Amount (BDT.)
Accidental Death	BDT. 100,000 (Lump-sum benefit)
Personal Accident Benefit	Up to BDT. 25,000 (Fixed benefit as per sub-limits under section 1.6)
COVID-19 and/or Dengue Fever	BDT. 5,000 (Fixed benefit)
OPD/Outdoor Treatment due to: · Gastroenteritis · Diarrhea/Acute Watery Diarrhea · Food Poisoning · Motion Sickness · Altitude Sickness	BDT. 500 (Fixed benefit against a single doctor consultation)

2.4. 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 shall not be entertained.

2.5. 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.
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 Personal Accident Benefit:

Accidents due to any unlawful activities or due to the use of addictive substances by the Insured Member.

2.6. Sub-limits for Personal Accident Benefit

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. 25,000.00
2^nd& 3^rd 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 Injury, 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

2.7. Claim Documentation

The claimant must provide the below mentioned documents in digital formats in order to submit a claim:

For Accidental Deaths (Claim to be submitted by the legal nominee)

Copy of NID/Birth Certificate of the Insured Member
Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death
Post-mortem report
Copy of NID/Passport/Birth Certificate of the Legal nominee
Warisan/Succession certificate from the local government authority or court
Any other relevant documents which may require

For Accidental Injury

Copy of NID/Passport/Birth Certificate
Doctor’s prescription/emergency ticket
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
Any other supporting documents (if required)

For COVID-19/Dengue Fever

Doctor’s advice for COVID-19/Dengue Test
COVID-19/Dengue Test Report stating “Positive” results
Screenshot of SMS from government authority stating the test result with Patient Name (For COVID-19 only)
Any other supporting documents (if required)

For OPD/Outdoor Treatment

Doctor’s prescription/emergency ticket
Bill from hospital/Doctor’s chamber

3. International Travel Bima (Silver/Gold) – International Flights

3.1. 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 injury sustained by the Insured Member except for the reasons mentioned under the Exclusions below, which is solely and directly caused by an Accident, and is verified or certified by a valid Medical Professional.
“Death” means death of the Insured Member due to a natural reason or an Accident except due to the reasons mentioned under Exclusions below.
“Hospitalization” means hospital admission of the Insured Member for at least 24 or more hours due to an emergency medical condition except due to the reasons under Exclusions below.
“Insurance Partner” means 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 who underwrites the risks of the group insurance policy.
“Medical Professional” means an individual who is licensed or certified in the land where he/she resides, having a professional medical degree to perform the necessary medical procedures within his/her scope of practice.

3.2. Eligibility and Terms

The Insured Member must be aged between 6 months and 65 years at the time of subscription. If an Insured Member is aged below 18 (eighteen years) at the time of subscription 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 outside the territory of Bangladesh only.
Insurance coverage duration shall be based on the plan (i.e., 15/30 days) subscribed by the Insured Member as per the Insurance Benefit Schedule below. However, insurance coverage shall cease on the coverage expiry date or upon arrival at Bangladesh, whichever is earlier.

3.3. 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 Covered Event	Silver Plan – 15 Days Coverage	Gold Plan – 30 Days Coverage
Type of Covered Event	Sum Assured/Coverage Amount (USD.)
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)
Emergency Transportation	Up to USD. 150 (at actual)	Up to USD. 150 (at actual)
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)

3.4. 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 shall not be entertained.
At least 24 hours of hospital stay is required to become eligible for Hospitalization Allowance Benefit.

3.5. Exclusions

The following exclusions shall be applicable for the insurance coverage:

For Death Benefit:

Death due to any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement.
Death/Accidental Death due to performing any illegal activity or felony.
Death/Accidental Death while under the influence of prohibited narcotics
Death due to Suicide while sane or insane.
Death due to the condition of Acquired Immune Deficiency Syndrome (AIDS), and HIV (Human Immune Deficiency Virus), or any AIDS related illness or HIV virus.
Death due to maternity/child-birth related conditions.

For Funeral Benefit:

Death/Accidental Death due to performing any illegal activity or felony
Death/Accidental Death while under the influence of prohibited narcotics

For Personal Accident Benefit:

Injury due to performing any illegal activity or felony
Injury while under the influence of prohibited narcotics
Injury due to attempted suicide while sane or insane

For Hospitalization Allowance (Daily Basis):

Hospitalization due to any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
Hospitalization due to the condition of Acquired Immune Deficiency Syndrome (AIDS), and HIV (Human Immune Deficiency Virus), or any AIDS related illness or HIV virus
Hospitalization due to any Psychiatric, mental or nervous disorder
Hospitalization due to exposure of the body, voluntarily or not, to nuclear power or radioactivity in war or warlike operations or in peace
Hospitalization for childbirth, prenatal/postnatal care, or any maternity related conditions
Dental and optical treatments unless required due to an accident
Any congenital infirmity
Hospitalization without a recommendation from a registered physician
Circumcision, prophylactic, and immunization procedures
Mental, emotional, or psychiatric disorders, alcoholism, or any other narcotic addictions
Obesity, i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless needed as reconstructive surgery as a consequence of an injury due to accidents, or burns
Any experimental or generally unaccepted procedures by medical professionals, i.e., acupuncture, herbal/ayurvedic/homeopathy treatment, alternative medical care (AMC), etc.

For Emergency Transportation:

Any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
Injury due to performing any illegal activity or felony
Any illness due to consuming any prohibited narcotics
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV

For Out-door Doctor Visit/Consultation:

Any illness or disability or any condition pre-existing or preceding the effective date of coverage commencement
Injury due to performing any illegal activity or felony
Routine examination of eye and ear, fitting or replacement of eyeglasses (including contact lenses) or hearing aids, any dental treatment (except hospitalization for reconstructive surgery as a consequence of an accident or disease);
Health screening including regular physical tests (health check-ups)
Sleep disorders, i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep-related breathing problem
Treatment-related to maternity, family planning purposes including intended termination of pregnancy, sterility, or assisted reproduction
Any experimental or generally unaccepted procedures by medical professionals, i.e., acupuncture, herbal/ayurvedic/homeopathy treatment, alternative medical care (AMC), etc.
The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related illness or HIV

3.6. Sub-limits for Personal Accident Benefit

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
3^rd 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, 2^nd 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

3.7. Claim Documentation

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):

For Death and Funeral Benefit Claim (Natural/Accidental - Claim to be submitted by the legal nominee)

Copy of Passport and NID/Birth Certificate of the Insured Member
Death Certificate from the last attending physician/clinic/hospital mentioning the actual cause of death and a Death Certificate from the local govt. authority where the Insured Member resides
Post-mortem report (if applicable – in case of Accidental Death)
Copy of NID/Birth Certificate of the legal nominee
Warisan/Succession certificate from the local government authority or court
Any other relevant documents which may require

For Personal Accident Benefit Claim

Copy of Passport and NID/Birth Certificate of the Insured Member
Doctor’s prescription/emergency ticket
Doctor’s Advice for hospitalization (in applicable cases)
Discharge Certificate (in applicable cases)
All medical bills
All diagnosis reports such as X-Ray, City Scan, MRI or such relevant reports
Any other relevant documents which may require

For Hospitalization Allowance Benefit Claim:

Copy of Passport and NID/Birth Certificate of the Insured Member
Doctor’s prescription/emergency ticket with recommendation for hospitalization
Admission Form
Discharge Certificate
All medical bills
All diagnosis reports
Any other relevant documents which may require

For Emergency Transportation Claim

Doctor’s prescription/emergency ticket
Bill/invoice of emergency transportation service
All Diagnosis reports
Any other relevant documents which may require

For OPD/Outdoor Treatment

Doctor’s prescription/emergency ticket
Bill from hospital/Doctor’s chamber
Any other relevant documents which may require

3.8. Provisions for Claim Settlement

Claims must be submitted within 30 (thirty) days from the date of the covered event.
All claims shall be settled in equivalent Bangladeshi Taka at the conversion rate set out by the Central Bank of Bangladesh.

4. 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 above in the Claim Documentation sections (section 1.8, 2.7, and 3.7 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:

Passenger Bima: Within 30 days of the Covered Event (i.e. Accident/ Death/ Illness)
International Travel Bima (Silver/Gold): Within 30 days of the Covered Event (i.e. Accident/ Death/ Illness)
Refund Guard (Domestic/Basic/Pro/Max): Within 15 days of the Covered Event (i.e. Reissue/ Cancellation/ No-show due to an eligible reason)

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 ShareTrip. 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).

5. 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 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.

Collecting Your Personal Information

We may collect information from you when you perform any of the following activities on our website (including but not limited to):

Request information from our Site or mobile App
Use our online tools and calculators
Apply/order online to purchase insurance policies from various Providers
Purchase/subscribe to online services
Fill-up an online form
Submit and insurance claim
Conduct transactions using our website; 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 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.

Use of Your Personal Information

We shall use the information primarily for the following purposes:

By using our Platform, subscribing to our services, and on viewing insurance products/price quotes, 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.
Allow you to access specific user account information.
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 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 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.

Disclosure of Information

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:

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 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.

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 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 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.

Links To Other Sites

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.

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.

Business Transitions

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.

Contact Bimafy

Bimafy Ltd.
Corporate Office Address: Level 5, House 13, Road 11, Lake View, Uttar Badda, Dhaka – 1212
Phone: 09606991991 (Customer Service), 01892090020 (B2B)
E-mail: cs@bimafy.com
Office visiting hours: Sunday to Thursday, 10 AM – 6 PM