Terms & Conditions

Milvik Life

  • Death due to war or similar events, suicide or self-inflicted injury, voluntary participation in fatal activities, or unlawful acts are not covered
  • Death due to pre-existing conditions are covered after 3 months of policy registration
  • Insurance cannot be claimed for natural death before the completion of three months of registration.
  • Claim must be made within 180 days of incident
  • Death after 180 days of an accident is not considered as accidental death

Milvik Health

  • Doctor will call back based on request to helpline number (except on govt. holidays)
  • Hospitalization due to war or similar events, self-inflicted injury, voluntary participation in fatal activities, or unlawful acts are not covered
  • Pre-existing conditions are covered after 3 months of policy registration; pregnancy/childbirth covered after 9 months of policy registration;
  • Elective, cosmetic or laser surgery/treatment are not covered
  • Claim must be made within 180 days of admission to the hospital
  • For Monthly and daily policies, payment will be deducted automatically every month/day based on the policy duration chosen
  • Coverage for monthly and daily policies will start from the beginning of the next calendar month, while for annual and bi-annual policies, coverage will start immediately
  • Monthly and daily payment options are available for bKash users only
  • No payment for any month will result in no coverage in the next month, no payment for any day will result in proportionate cover in the next month

For more terms & conditions, please download the product brochure. To get the list of discount partners, download the Partner Hospital List.