Inline-Image-Product-Images-Nibedita

Policy Feature:

Accidents can happen anywhere, anytime and sometimes even the smallest of its kind puts your finances in a fix. Green Delta Insurance Nibedita-Comprehensive Insurance Scheme is one of the key security measures to undertake for providing financial security in case of an accident. It ensures that your family does not suffer in event of an accident by providing compensation for accidental death or disablement.

Key Benefits:

  • Providing affordable comprehensive insurance coverage to females.
  • Ensuring best available insurance facilities
  • Ensuring best Insurance Service in Urban and Rural area
  • Helping the women’s to be self dependent
  • Sum insured staring from Tk. 100,000.00 and exit sum insured Tk. 1,000,000.00
  • Trauma Allowance incase of Rape, Road bully, robbery, acid victim
  • Affordable net premium starting from 580/- per person
  • Hassle free claim management

Policy Coverage:

  • Accidental Death
  • Bodily injury due to accident causing permanent or partial disability
  • Disability/Accidental death due to insect bites, snakes and animal bites.
  • Death or bodily injury due to flood, earthquake, land slide, cyclone and other natural calamities
  • Death/bodily injury due to riot and strike, civil commotion
  • Death during child birth or during caesarean operation at the time of child birth.
  • Loss or Damage to household goods/personal effects due to fire/lightening, riots, storm, typhoon, flood, cyclone and earthquake
  • Trauma Allowance incase of Rape, Road bully, robbery, acid victim
  • The tenure of the policy is for 1 Year.
  • All sections of women in the age group of 18-65 years

Policy Exclusions:

  • Pre existing disability
  • death, injury or disablement arising from or traceable to whilst under the influence of intoxication, liquor and drugs,
  • Death caused by convulsions of nature, suicide and intentional self injury.
  • Death or injury directly or indirectly caused by insanity
  • War, invasion, foreign army, hostilities (whether was be declared or not),civil war
  • Rebellion, revolution, insurrection, mutiny
  • Lockout, military or usurped power
  • A group of malicious person persons acting on behalf of or in connection with any organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority
  • nuclear reaction, nuclear radiation or radioactive contamination

Schedule of Compensation

Scope of CoverFor All Class of Sum Insured
Accidental Death
Disability / Accidental death due to insect bites, snakes and animal bites.
Death during child birth or during caesarean operation at the time of child birth.
Death injury due to riot and strike, civil commotion
Capital Sum Insured
Bodily injury due to accident causing permanent or partial disability
Bodily injury due to riot and strike, civil commotion
As per Schedule Attached
Loss or Damage to household goods/personal effects due to fire/lightening, riots, storm, typhoon, flood, cyclone and earthquake25% of the Sum Insured
Trauma Allowance incase of Rape, Road bully, robbery, acid victimTrauma Allowance incase of Rape, Road bully, robbery, acid victim
Permanent total loss of sight of both eyes100%
Total loss or permanent total loss of use of two limbs100%
Total loss or permanent total loss of use of right arm75%
Total loss or permanent total loss of use of left arm60%
Total loss or permanent total loss of use of right forearm65%
Total loss or permanent total loss of use of left forearm55%
Total loss or permanent total loss of use right hand60%
Total loss or permanent total loss of use left hand50%
Total loss or permanent total loss of use thigh60%
Total loss or permanent total loss of leg at or below the knee50%
Total loss or permanent total loss of use of foot40%
Permanent total loss of sight of the one eye50%
Permanent total deafness in two ears50%
Permanent total deafness in one ear15%
Total loss or permanent total loss of use of thumb on right hand25%
Total loss or permanent total loss of use of thumb on left hand20%
Total loss or permanent total loss of use of index finger on right hand20%
Total loss or permanent total loss of use of index finger on left hand15%
Total loss or permanent total loss of use of middle finger on right hand12%
Total loss or permanent total loss of use of middle finger on left hand10%
Total loss or permanent total loss of use of third(ring) finger on right hand10%
Total loss or permanent total loss of use of third(ring) finger on left hand8%
Total loss or permanent total loss of use of little finger on right hand8%
Total loss or permanent total loss of use of little finger on left hand6%
Total loss or permanent total loss of use of big toe5%
Total loss or permanent total loss of use of any other toe3%
The plan stipulates premium @0.50% per annum and sum insured minimum Tk.1 lakh and maximum Tk.10 lakh.

Premium Rate

Sum Insured100,000200,000300,000400,000500,000600,000700,000800,000900,0001,000,000
Premium Rate@0.50%@0.50%@0.50%@0.50%@0.50%@0.50%@0.50%@0.50%@0.50%@0.50%
Net Premium500.001,000.001,500.002,000.002,500.003,000.003,500.004,000.004,500.005,000.00
Vat75.00150.00225.00300.00375.00450.00525.00600.00675.00750.00
Stamp5.0010.0015.0020.0025.0030.0035.0040.0045.0050.00
Grand Total580.001,160.001,740.002,320.002,900.003,480.004,060.004,640.005,220.005,800.00

Frequently Asked Questions for Nibedita

  • What is ‘Nibedita’?

A personal accident insurance scheme which provides economic security to women irrespective of their income, occupation or vocation.

  • Who are eligible to buy this policy?

All sections of women in the age group of 18-65 years

  • Why do we need an Insurance product exclusively for Women?

This product is exclusively designed for women as today’s women’s are exposed various hazards related to the occupations and social issues. An Insurance like this might give women to think independently in terms financial protection or revive the business if she encounters any accident

  • How is this product different from Personal Accident Policy?

This product different from regular Personal Accident Policy in terms of its extended cover and which are

  • Loss or Damage to household goods/personal effects due to fire/lightening, riots, storm, typhoon,flood, cyclone and earthquake
  • Trauma Allowance incase of Rape, Road bully, robbery, acid victim
  • Death during child birth or during caesarean operation at the time of child birth.
  • How do I buy this policy? Who do I contact?

Irrespective of occupation any women can avail this policy,by paying the premium from any of the Green Delta Insurance Branch.

  • What’s the claim settlement process? How is this hassle free? Is there paperwork involved?

Simple claim settlement procees. Like all the claim process paper works is required for the product which are mentioned bellow:-

  • Dully filled in claim form

In terms of Accidental Death and Bodily Injury :

  • Medical Reports
  • Doctor’s declaration
  • Post-mortem Report
  • Death certificate
  • Succession Certificate

In terms of Rape/Road Bully/Acid Victim :

  • Doctors Report/Viscera report
  • Police Report
  • How will you assess the legitimacy of a claim?

If all the relevant papers are submitted claims department will asses the legitimacy of a claim

  • Can I buy this policy just for myself or this is a group insurance?

Policy can be availed individually or group wise

  • Is this policy available for women under 18?

NO

  • Do I get 100% sum insured if any of the accidents take place from the scope of coverage?

Claim will be settled as per the benefit schedule.