FAQ of Otithi Travel Insurance

Otithi Travel Insurance

Frequently Asked Questions (FAQ)

1. What is the Otithi Travel Insurance? Otithi travel insurance is a complimentary travel protection benefit provided to eligible Otithi guests at no additional cost. The insurance coverage is provided and administered by Guardian Life Insurance Limited (GLIL).

2. Do I have to pay anything for this insurance? No. The insurance coverage is completely complimentary for eligible Otithi guests. There is no separate insurance fee.

3. Do I need to enroll separately or fill out any insurance forms? No. Once you book an eligible package with Otithi, you will automatically be enrolled under the complimentary travel insurance. There is no separate insurance registration or application form that you need to complete. In case of any requirements (claim support) of information Otithi team will separately ask for it.

4. Who provides this insurance? The insurance policy is provided and managed by Guardian Life Insurance Limited (GLIL). Otithi acts only as the facilitation partner.

5. Who is eligible for this insurance? All eligible guests travelling with Otithi are covered, including:

• Bangladeshi nationals

• Non-Resident Bangladeshis (NRBs)

• Foreign nationals

• Minimum Age: 18 years

• Maximum Age at enrolment: 59 years

Guests aged 60 years or above are not eligible for this insurance coverage.

6. When does my insurance coverage start and end? Your insurance becomes effective from the arrival at Otithi destination as mentioned in your booked travel package and coverage automatically ends when your trip ends according to Otithi's travel itinerary. If your return is delayed due to any trip-related reason, your insurance coverage may be extended for up to 3 additional hours.

7. What benefits are included? The insurance coverage includes:

• Death Benefit: BDT 50,000

• Accidental Death Benefit: BDT 50,000

• Permanent Total Disability (PTD): Up to BDT 50,000

• Permanent Partial Disability (PPD): Up to BDT 50,000 (depending on injury)

• Accidental In-Patient Hospitalization (IPD): Up to BDT 5,000

8. What is the difference between Death Benefit and Accidental Death Benefit?

• Death Benefit: Covers death occurring during the insured journey (subject to policy conditions).

• Accidental Death Benefit: Applies only when death occurs as a direct result of an accident during the journey.

9. What is Permanent Total Disability (PTD)? PTD refers to severe permanent disabilities resulting from an accident, such as:

• Loss of both eyes

• Loss of both legs

• Paralysis

• Permanent brain damage

• Complete deafness

• Other qualifying permanent disabilities

Compensation is paid according to the policy schedule.

10. What is Permanent Partial Disability (PPD)? PPD covers permanent partial loss of body function due to an accident, including injuries such as:

• Loss of fingers

• Loss of toes

• Partial loss of vision

• Partial hearing loss

• Nerve injuries

• Certain permanent functional impairments

The payable amount depends on the severity of the disability.

11. What does Accidental IPD Hospitalization mean? If you are hospitalized because of an accident during your Otithi trip, the insurance reimburses eligible hospital expenses up to BDT 5,000.

12. Is this a cashless insurance? No. This policy works only on a reimbursement basis. You must first pay the hospital bills yourself and later submit a claim to Guardian Life Insurance Limited through Otithi.

13. Which hospital expenses are covered? Eligible accidental hospitalization expenses may include:

• Hospital room charges

• ICU/CCU charges

• Surgery expenses

• Doctor consultation fees

• Medicines

• Medical investigations

Up to the maximum coverage limit.

14. Is outpatient (OPD) treatment covered? No. Only hospitalization due to an accident is covered.

15. Are illnesses covered? No. This insurance does not cover hospitalization due to illness or sickness. Only accidental hospitalization is covered.

16. Are pre-hospitalization or post-hospitalization expenses covered? No. Only eligible expenses incurred during the trip covered hospitalization are reimbursable.

17. What documents are required for an accidental hospitalization claim? Generally, you will need:

• Completed claim form (will provide upon request preliminary vetted by Otithi Area Managers)

• Hospital admission documents

• Hospital discharge certificate

• Original itemized hospital bills

• Original payment receipts

• Prescription

• Any additional documents requested by GLIL

18. What documents are required for a death claim? Generally:

• Claim Form

• Otithi booking confirmation

• National ID of the insured

• Death Certificate

• Additional documents requested by GLIL

19. What additional documents are required for an Accidental Death claim? In addition to the standard documents:

• FIR or General Diary (GD), where applicable

• Inquest report

• Post-Mortem Report (or official waiver if no post-mortem was conducted)

• Other documents requested by GLIL

20. What is the deadline for submitting an insurance claim?

• For Accidental Hospitalization: Within 30 days after hospital discharge.

• For Death, Accidental Death, PTD or PPD: Within 90 days of the incident.

21. How long does claim settlement take? After receiving all required documents and approvals:

• Hospitalization claims are generally settled within 10 working days.

• Death and disability claims are generally settled within 7 working days after complete documentation and approval.

Actual processing time may vary if additional documents are required.

22. Who will help me submit my claim? Otithi's designated Area Manager will assist you throughout the claim process and coordinate with Guardian Life Insurance Limited.

23. Who approves my insurance claim? Only Guardian Life Insurance Limited evaluates, approves, or rejects insurance claims. Otithi does not hold the authority to approve or reject any claims.

24. Will Otithi pay my insurance money? No. All insurance claim payments are made by Guardian Life Insurance Limited according to the policy terms.

25. What situations are NOT covered? Examples include, but not limited to:

• Suicide or attempted suicide

• Self-inflicted injuries

• HIV/AIDS related death

• Pre-existing critical illness (for Death Benefit)

• Illness-related hospitalization

• Pregnancy or maternity

• Cosmetic procedures

• Dental treatment (except specific accident-related cases)

• Alcohol or drug-related accidents

• Criminal or unlawful activities

• Hazardous adventure activities

• Terrorism, civil unrest, or nuclear incidents

• Congenital conditions

• Mental health treatment

• Overseas hospitalization

• Routine health check-ups

26. Can my claim be rejected? Yes. Claims may be rejected if:

• Required documents are not submitted.

• False or manipulated documents are provided.

• The incident falls under policy exclusions.

• The policy conditions are not met.

27. What if I already have another insurance policy? If any insured is also covered for similar benefits under any other insurance contract, the payment of the claim shall be made on pro-rata basis after taking into account the coverage under all contracts.

28. Can I transfer this insurance to someone else? No. The insurance is personal to the eligible Otithi guest and cannot be transferred.

29. Does every injury qualify for permanent Disability benefits? No. Only permanent disabilities that satisfy the definitions and assessment criteria under the policy of Guardian Life Insurance Limited are eligible during the trip.

30. Where can I get assistance? For any questions regarding your insurance coverage or claim process, please contact your designated Otithi Area Manager or Otithi support center, who will guide you through the necessary steps and coordinate with Guardian Life Insurance Limited.