Otithi Travel Insurance Coverage Terms & Conditions
Otithi Travel Insurance Coverage
Terms & Conditions Policies
1. All insurance coverage under this complimentary benefit is provided and administered by Guardian Life Insurance Limited (GLIL), Otithi acts solely as a facilitation partner.
2. This complimentary insurance benefit is exclusively available to eligible guests travelling with Otithi and is provided at no additional cost to the guest.
3. The insurance coverage is available to all guests travelling with Otithi, including Bangladeshi nationals, Non-resident Bangladeshis (NRBs), foreign nationals, and who are 18 to 59 years of age at the time of enrolment.
Guests below the age of 18 years or aged 60 years and above are not eligible for this insurance coverage.
Guests below the age of 18 years or aged 60 years and above are not eligible for this insurance coverage.
4. This insurance facility is provided on a reimbursement basis only. No cashless hospitalization or treatment services are available under this coverage.
5. Insurance coverage becomes effective upon the guest’s arrival at the Otithi destination specified in the booked travel package and remains valid until the completion of the trip according to Otithi’s itinerary.
6. Only accidental hospitalization occurring during the insured trip is covered. Eligible expenses may include hospital room charges, ICU/CCU charges, surgery costs, doctor’s consultation fees, medicines, and medical investigations, up to the applicable coverage limit.
7. This insurance operates on a reimbursement basis only. In the event of an eligible claim, guests must initially bear all treatment or medical expenses and subsequently submit a claim to Guardian Life Insurance Limited with the required original supporting documents, including but not limited to:
7.1 Medical prescriptions
7.2 Hospital discharge summary or relevant hospital documents
7.3 Original medical bills and payment receipts
7.4 Any other documents requested by Guardian Life Insurance Limited
8. The insurance coverage includes the following benefits:
8.1 Death and Accidental Death (AD) Benefit: Up to BDT 50,000
8.2 Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) Benefit: Up to BDT 50,000
8.3 Accidental In-Patient Hospitalization (IPD) Benefit: Up to BDT 5,000
9. This insurance does not cover, including but not limited to:
9.1 Illness or sickness-related hospitalization
9.2 Outpatient (OPD) treatment
9.3 Pre- or post-hospitalization expenses
9.4 Suicide or attempted suicide
9.5 Self-inflicted injury
9.6 HIV/AIDS-related death
9.7 Pre-existing critical illness
9.8 Pregnancy or maternity-related treatment
9.9 Cosmetic procedures
9.10 Dental treatment (except specific accident-related cases)
9.11 Alcohol or drug-related incidents
9.12 Criminal or unlawful activities
9.13 Hazardous adventure activities
9.14 Terrorism, civil unrest, or nuclear incidents
9.15 Congenital conditions
9.16 Mental health treatment
9.17 Overseas hospitalization
9.18 Routine health check-ups.
10. Claim Submission Deadline:
10.1 Accidental Hospitalization Claims: Within 30 days from hospital discharge.
10.2 Death, Accidental Death, PTD, and PPD Claims: Within 90 days from the date of the incident.
11. Otithi’s designated Area Manager at each destination will assist and guide guests throughout the claim submission process in coordination with Guardian Life Insurance Limited.
12. Otithi will provide necessary support and guidance throughout the insurance claim process. However, all claim assessments, approvals, and claim payments are the sole responsibility of Guardian Life Insurance Limited (GLIL) and will be processed directly by GLIL in accordance with its policy terms, conditions, and claim procedures. Otithi shall not be liable for the approval, rejection, or payment of any insurance claim.
13. This insurance coverage is personal to the eligible Otithi guest and cannot be transferred to another individual.
14. If the insured is covered under another insurance policy providing similar benefits, claim payments shall be made on a pro-rata basis in accordance with applicable policy provisions.
15. Claim Rejection: Claims may be declined if:
15.1 Required documents are not submitted.
15.2 False, inaccurate, or manipulated information/documents are provided.
15.3 The incident falls under policy exclusions.
15.4 Policy terms and conditions are not satisfied.
16. By booking and participating in an Otithi package, guests acknowledge that they have read, understood, and agreed to these Terms & Conditions.
17. Otithi reserves the right to amend, suspend, extend, or withdraw this offer at any time without prior notice.
18. In the event of any dispute regarding the interpretation of these Terms & Conditions, Otithi reserves the right to interpret and apply these Terms & Conditions.
