Milvik Terms of Service

Eligibility:

1. Customer must be aged minimum of 18 years and not more than 64 years at the time of registration. The cover is provided until the customer turns 69 years of age.

2. Customer can cover his/her parents, spouse, children, and parents-in-law under shared cover. The age range for parents (and in-laws) and spouses to be covered is 18 to 64 years and cover will be provided until they turn 69 years of age. Children can be covered from birth and not more than 19 years and be covered until they become 21 years of age.

3. For Family Plus plans, either both parents-in-law or 2 siblings or 1 of parents-in-law or 1 sibling can be added as an insured relative.

4. Customers will have to agree to a declaration of health during their subscription to the plan. Check Plans

Service Coverage:

1. Tele -doctor consultation, partner discount services will be available immediately after subscription confirmation (and payment).

2.Tele-doctor consultation is for general consultations only and does not apply to emergencies and critical conditions with immediate medical care needs. A doctor will call back based on the consultation booking.

3. Cashback Coverage: Based on the subscription start date and payment channel, any of the following coverage will be applicable to the customer.

Payment Channel-

1. bKash (Before 30th May 2023) – Accidental hospitalization coverage for monthly auto-payment plans will start from the beginning of the next calendar month following the date of subscription confirmation. For hospitalizations due to non-accidental hospitalizations, coverage will start 1 month after the subscription confirmation date.

2. bkash (On and after 30th May 2023)– Coverage for monthly, 90 days, 180 days, and 12 monthly payment plans for all types of hospitalizations and outpatient treatments will start 1 month after subscription confirmation (next month same date). 

Debit/ Credit Card/ Nagad-

Any date (monthly payment plans)

1. For monthly auto-payment plans, accidental hospitalization coverage will start from the beginning of the next calendar month following the date of subscription confirmation. For hospitalizations due to non-accidental hospitalizations, coverage will start 1 month after the subscription confirmation date.

2. Coverage for 90 days, 180 days, and 12-month one-time payment plans for all types of hospitalizations and outpatient treatments will start 1 month after subscription confirmation (next month same date).

Waiting period:

1. Pre-existing conditions are covered after 6 months of subscription confirmation; pregnancy/childbirth is covered after 12 months of subscription confirmation.

2. For monthly payment plans, in case of non-payment for 3 or more consecutive months, waiting periods related to pre-existing conditions and maternity cases will be reset after resuming payment.

3. For 90 days, 180 days, and Yearly payment plans, missing the payment of any cycle would result in the reset of waiting periods related to pre-existing conditions and maternity cases will resumeafter making payment for the next cycle.

Claims:

1. Cashback claims in case of hospitalization due to war, foreign enemy attack, hostility or anti-war campaign (whether war is declared or not), civil war, insurrection, strike, riot, civil unrest, military uprising, rebellion, conspiracy, revolution, military coup, self-inflicted injury, attempted suicide will not be covered.

2. Cashback claims in case of hospitalization or OPD services due to congenital diseases will not be covered.

3. The Maximum number of nights per claim is 10 nights in a row per hospitalization.

4. Any OPD cashback claim e.g. external doctor visit, diagnostic, or medicine purchase, must be referred by MILVIK’s internal doctors through its mHealth service. The service fee payment receipt must be submitted at the time of claim.

5. No cashback claim will be allowed for laser treatment and cosmetic surgery (except for accidental reasons). Benefits will not be available also for dental and eye treatment.

6. Notification of hospital cashback claim must be made within 90 days of admission to the hospital/incident.

7. Hospital and outpatient cashback (insurance benefit) is underwritten by Protective Islami Life Insurance Limited.

8. A customer or insured individual can make a claim for a single event from a single Milvik Plan only. If the insured person has coverage under multiple plans as the primary subscriber or as an insured relative, they can only make a claim under one plan. In such situations, the plan offering the highest coverage will be prioritized in the customer’s best interest.

Payment mechanism:

Auto-payment plans:

• bKash:
  1. For monthly auto-payment/recurring plans, if subscribed before 30^th May 2023, the service charge will be deducted on a specific date of every month. If there is no available balance on that day, further attempts will be made every 3 days.
  2. For monthly auto-payment/recurring plans, if subscribed on or after 30^th May 2023, the service charge will be deducted on a specific date of every month. If there is no available balance on that day, further attempts will be made every 5 days (total 6 attempts in the billing cycle).
  3. For 90 days, 180 days, 12 monthly auto-payment/recurring plans, the service charge will be deducted once in every 90 days, 180 days, and 12 months respectively. If there is no available balance on that day, 5 more attempts will be made every 5 days (total 6 attempts in the billing cycle).
• Debit/Credit Card:
  1. In the case of payment through cards, for monthly auto-payment/recurring plans, if you don’t have enough balance during the first attempt, you will have four (4) more chances to pay for the month in the next 30 days.
  2. For daily auto-payment/recurring plans, a total of five (5) attempts will be made every day until successful.
• Paying through One-Time Payment link for missed payments: For both bKash and Card payment, for all the monthly subscriptions, after all the scheduled payment attempts have failed, a One-Time Payment link will be generated and sent to the customer through SMS and in-app notification, so that customers can make the payment for that billing month. Customers can also get the link by calling MILVIK the customer care number. 
• For any auto-payment/recurring plans, if no successful deduction occurs in a billing cycle, the customer will have no coverage for the next cycle.

One-time payment subscription plans:

• For one-time payment plans for 90 days, 180 days, and 12 months, customers will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, and Rocket.
• For one-time payment plans, the renewal window will commence at specific intervals depending on the chosen plan. For the 90-day plan, the renewal window begins 75 days after the subscription start date. . Similarly, for the 180-day plan, the renewal window starts after 150 days, and for the yearly plan, it begins after 320 days.
• If the customer renews within the first 15, 30, and 45 days respectively of the renewal period opening for 90 days, 180 days, and yearly plans, there will be no gap in days in in coverage between the previous and renewed periods. However, if renewal happens after the mentioned days, the next coverage period will start 1 month from the renewal date.
• If renewal happens after 15 days following the end of the previous coverage period, the waiting period will be reset.

General Rules for HealthPoints-

*Customer will receive HealthPoints as per the given rules associated with the product benefits.

*For monthly auto-payment/recurring plans, customers will earn HealthPoints instantly and will be eligible to use HealthPoints after making the monthly payment in the following month, till then, the points will be reserved.

*90 days, 180 days, and yearly payment plans, customers will earn the relevant HealthPoints on equal installments throughout the service tenure. Customers will be able to use their HealthPoints as soon as they activate your service and earn points. Customers must be at Active status to use HealthPoints and receive any cashback against them.

*MILVIK reserves the right to determine the HealthPoint allocation against each transaction of anyMILVIK customer.

*MILVIK reserves the right to fix the minimum or maximum transaction amount to be eligible for HealthPoint.

*Determining the calculation methodology of MILVIK HealthPoints (points earning, level placement, claiming) is at the sole discretion of MILVIK.

*MILVIK HealthPoint claiming process and offers will be determined by MILVIK under its sole discretion.

*In case you have claimed for any item against MILVIK HealthPoints, that same item cannot be claimed for under any other benefit category. For example, if any voucher has been submitted for HealthPoint reimbursement, the same voucher cannot be submitted for OPD medicine claim.

*Any attempt to abuse the system or conduct suspicious transactions to get undue advantages will be monitored and upon investigation the concerned customer will be barred from using MILVIK services. MILVIK reserves the right to take further action or involve the relevant law enforcement authorities to the extent any customers could be deemed fraudulent.

*MILVIK reserves the right to update the terms and conditions of the HealthPoints program at any time without any prior notice.

*MILVIK shall have the right to postpone or completely shut down the HealthPoints program at any time without any prior notice.

*MILVIK reserves the copyright of the contents of the HealthPoints program. Any reproduction or illegal use/distribution of any content of the Health Points program will result in immediate legal action against the person(s) or institution(s) involved.

Eligibility:

1. At the time of registration, the age of the customer should be between 18-58 years. However, upon registration, customers will be eligible for coverage until the age of 60.

2. The eligible relations for nominee and insured relative for Joint policies are customer’s father, mother, spouse, siblings, children or parents-in-law.

3. For insured relatives under joint cover certain entry age and coverage age limits will be applicable.

a. The entry age limit for spouse and siblings is 18 to 58 years and can be covered till 60 years. 

b. The entry age range for parents and parents-in-law is 18 to 63 years and can be covered till 65 years.

c. Children can be covered from birth and not more than 19 years and be covered until they become 21 years of age.

4. Eligible policyholders must fill up a declaration of health form during policy registration confirming that they or their insured relative are not suffering from critical diseases like cancer, heart attack / cardiovascular disease, stroke (resulting in permanent symptoms in the body), organ damage/failure or any other terminal illness. Check Plans

Service Coverage:

1. Based on the subscription start date and payment channel, any of the following coverage will be applicable to the customer.

2. bKash(Before 30th May 2023)- Coverage for accidental deaths and disabilities will start from 1st day of the next calendar month following the first successful payment.

3. bKash (On and after 30th May 2023)-Coverage for accidental deaths and disabilities for monthly, 90 days, 180 days, and 12 monthly payment plans will start after 1 month of subscription confirmation with successful payment (next month same date).

Debit/ Credit Card/ Nagad-

1. Coverage for accidental deaths and disabilities will start from 1st day of the next calendar month following the first successful payment. However, natural death and disability cannot be claimed in the first 3 months from the date of registration.

2. Coverage for 90 days, 180 days, and 12-month one-time payment plans for accidental death and disability will start 1 month after subscription confirmation (next month same date). 

3. However, in any case, natural death and disability cannot be claimed in the first 3 months from the date of subscription confirmation with successful payment. 

Waiting period:

1. All lives added to the policy (including newborns) will be subject to the waiting periods applicable to the policy.

2. Natural death and disability cannot be claimed in the first 3 months from the date of subscription confirmation.

3. Death/disability due to a pre-existing disease within the first 6 months of package registration will not be covered.

4. For monthly payment plans, in case of non-payment for 3 or more consecutive months, waiting periods related to pre-existing conditions and maternity cases will be reset after resuming payment.

5. For 90 days, 180 days, and Yearly payment plans, missing the payment of any cycle would result in the reset of waiting periods related to pre-existing conditions and maternity cases will resume after making payment for the next cycle.

Claims:

1. Following disabilities will be eligible for 100% payout of disability coverage: amputation or loss of use of two limbs/ both hands, or of all fingers and both thumbs, total paralysis or injuries resulting in being permanently bedridden or disablement, total insanity, total and irrevocable loss of all sight in both eyes, total loss of hearing or speech, burns – 3rd degree covering more than 20% of the body or 20% of the face. 

2. Following disabilities will be eligible for 50% payout of disability coverage: amputation or loss of use of one limb/ four fingers and thumb on one hand, total and irrevocable loss of all sight in one eye, Total and irrevocable loss of all hearing in one ear, burns – 3rd degree covering more than 9% of the body or 9% of the face, partial paralysis.

3. Following the claim of 50% of a disability claim, customer can claim only 50% of the disability coverage in his next claim. Once 100% of the disability insurance amount has been claimed, no further disability claim will be supported for the same covered person.

4. Insurance claims in case of death/disability due to –

a. war, foreign enemy attack, hostility or anti-war campaign (whether war is declared or not), civil war, insurrection, strike, riot, civil unrest, military uprising,
rebellion, conspiracy, revolution, military coup.

b. suicide or voluntary injury

c. nuclear, biological, and chemical risks and losses

d. pre-existing cancer, stroke, Heart/cardiovascular disease (including heart attack, bypass surgery), or Organ Failure (including chronic kidney failure).

5. The nominee must claim insurance within 90 days of the death of the customer.

6. Notice of claims for Disability Cover and supporting documentation must be given within one-eighty (180) days from the date of disability, and in any event, within eighteen (18) months from the date of the incident causing the disability (if applicable).

7. Life and disability insurance coverage (insurance benefit) is underwritten by Pragati Life Insurance Limited.

8. Submission of the death certificate is a must for a life insurance claim.

9. A customer or insured individual can make a claim for a single event from a single Milvik Plan only. If the insured person has coverage under multiple plans as the primary subscriber or as an insured relative, they can only make a claim under one plan. In such situations, the plan offering the highest coverage will be prioritized in the customer’s best interest.

Payment mechanism:

Auto-payment plans:

• bKash:
  • For monthly auto-payment/recurring plans, if subscribed before 30^th May 2023, the service charge will be deducted on a specific date of every month. If there is no available balance on that day, further attempts will be made every 3 days.
  • For monthly auto-payment/recurring plans, if subscribed on or after 30^th May 2023, the service charge will be deducted on a specific date of every month. If there is no available balance on that day, further attempts will be made every 5 days (total 6 attempts in the billing cycle).
  • For 90 days, 180 days, 12 monthly auto-payment/recurring plans, the service charge will be deducted once in every 90 days, 180 days, and 12 months respectively. If there is no available balance on that day, 5 more attempts will be made every 5 days (total 6 attempts respectively in the billing cycle).
  • For daily subscription, there will be one deduction attempt per day.
• Debit/Credit Card:
  • In the case of payment through cards, for monthly auto-payment/recurring plans, if you don’t have enough balance during the first attempt, you will have four (4) more chances to pay for the month in the next 30 days.
  • For daily auto-payment/recurring plans, a total of five (5) attempts will be made every day until successful.
• Paying through One-time payment link: For both bKash and Card payment, for all the monthly subscriptions, after all the scheduled payment attempts have failed, a One-Time Payment link will be generated and sent to the customer through SMS and in-app notification, so that customers can make the payment for that billing month. Customers can also get the link by calling MILVIK the customer care number. 
• For monthly payments, if no successful deduction occurs in a billing month, the customer will have no coverage for the next month.
• For daily, coverage for the next month will be calculated based on proportionate daily payments each month.

One-time payment subscription plans:

• For one-time payment plans for 90 days, 180 days, and 12 months, customers will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, and Rocket.
• For one-time payment plans, the renewal window will commence at specific intervals depending on the chosen plan. For the 90-day plan, the renewal window begins 75 days after the subscription start date. . Similarly, for the 180-day plan, the renewal window starts after 150 days, and for the yearly plan, it begins after 320 days.
• If the customer renews within the first 15, 30, and 45 days after the renewal window opening respectively for 90 days, 180 days, and yearly payment plans, there will be no gap in days in the coverage between the previous and renewed periods. However, if renewal happens after the mentioned days, the next coverage period will start 1 month from the renewal date.
• If renewal happens after 15 days following the end of the previous coverage period, the waiting period will be reset.

One-time payment subscription plans:

1. For one-time payment plans for 90 days, 180 days, and 12 months, customers will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, and Rocket.

2. For one-time payment plans, the renewal window will commence at specific intervals depending on the chosen plan. For the 90-day plan, the renewal window begins 75 days after the subscription start date. . Similarly, for the 180-day plan, the renewal window starts after 150 days, and for the yearly plan, it begins after 320 days.

3. If the customer renews within the first 15, 30, and 45 days after the renewal window opening respectively for 90 days, 180 days, and yearly payment plans, there will be no gap in days in the coverage between the previous and renewed periods. However, if renewal happens after the mentioned days, the next coverage period will start 1 month from the renewal date.

4. If renewal happens after 15 days following the end of the previous coverage period, the waiting period will be reset.

Eligibility:

1. Customer must be aged minimum of 18 years and not more than 64 years at the time of registration. The cover is provided until the customer turns 69 years of age.

2. Customer can cover his/her parents, spouse, children, and siblings under shared cover. The age range for parents and spouses to be covered is 18 to 64 years and cover will be provided until they turn 69 years of age. Children can be covered from birth and not more than 21 years and
be covered until they become 25 years of age. And for siblings the age range to be covered is 18 to 24 years and be covered until they become 25 years of age.

3. Customers will have to agree to a declaration of health during their subscription to the plan.

Service Coverage:

1. Tele -doctor consultation, partner discount services will be available immediately after subscription confirmation (and payment).

2. Tele-doctor consultation is for general consultations only and does not apply to emergencies and critical conditions with immediate medical care needs. A doctor will call back based on the consultation booking

3. Cashless support within MILVIK’s Cashless Partner Network of diagnostics centers, external doctors, and pharmacies, as prescribed by our Milvik doctors.

4. Cashless insurance cover for in-patient treatments within MILVIK’s Cashless Partner Network of hospitals, as prescribed and approved by our Milvik doctors.

5. Life coverage, payable upon accidental or natural death of the Policyholder

6. Subscribers can enjoy 10%-50% discount at Milvik Discount Partner network consisting of more than 500 partners across the country on services like radiology, pathology, doctor fee, and
hospital bed charge etc.

7. A 20% reimbursement of the subscription fee paid for customers who paid 12 consecutive monthly payments without filing a claim.

Waiting period:

1. There is no waiting period to access the Milvik Doctor Service.

2. There is a one-month waiting period from the policy confirmation date to access hospitalization and non-hospitalization benefits (Medication Prescriptions, Doctor Referral, and Lab/Diagnostic Tests).

3.There will be twelve (12) months waiting period from the policy confirmation date for Inpatient Hospitalization due to pregnancy or childbirth and for Hospitalizations due to pre-existing
diseases.

4. For 180 days and yearly plans, not renewing (through auto or manual renewal) within 15 days of the previous coverage period end, will result in resetting of waiting periods.

Coverage limits:

Coverage limit in case of hospitalization:

1. 12 months plan subscribers have access to 100% of the annual coverage from the beginning of their coverage period (after 1 month from subscription start).

2. 6 months plan subscribers have access to 50% of the annual coverage from the beginning of their coverage period (after 1 month from subscription start).

3. For monthly subscribers coverage will be calculated in a proportionate rate of the number of payments divided by number of expected payments for the year multiplied by the annual limit.

Coverage limit for Milvik Care benefits service:

For Milvik Care benefits claim, a maximum of 25% of the annual limit can be redeemed per month. The 25% monthly limits can be used until the annual limit is fully utilized.

Claims:

The Milvik Wellness Plan does not provide benefits for certain medical conditions or treatments.

For hospitalization only:

1. No coverage will be provided for congenital diseases.

2. No coverage will be provided for Hospitalization due to pregnancy/childbirth or pre-existing diseases during the first 12 months of plan subscription.

For both hospitalization and non-hospitalization care benefits:

1. Any treatment taken without a prior referral from a MILVIK Doctor.

2. Any treatment taken from out of Milvik Cashless partner network. Check cashless Partner

3. Laser treatment and cosmetic surgery (except for accidental reasons), dental and eye treatment, or, circumcision, prophylactic and immunization procedure.

4. Voluntary abortion and related treatment and care.

5. Treatments due to war, foreign enemy attack, hostility or anti-war campaign (whether war is declared or not), civil war, insurrection, strike, riot, civil unrest, military uprising, rebellion, conspiracy, revolution, military coup.

6. Nuclear, biological, and chemical Risks and losses.

7. Suicide or self-inflicted injury, injury arising due to accident while participating in any unlawful activities, violation or attempted violation of the law and

8. Mental, emotional, or psychiatric disorders, alcohol or illegal drug abuse.

9. AID or AIDS-related issues.

10. Sexually transmitted disease & related treatments.

11. Hospitalization coverage is underwritten by Pragati Life Insurance Limited.

12. A customer or insured individual can make a claim for a single event from a single Milvik Plan only. If the insured person has coverage under multiple plans as the primary subscriber or as an insured relative, they can only make a claim under one plan. In such situations, the plan offering the highestcoverage will be prioritized in the customer’s best interest.

Payment mechanism:

Auto-payment plans:

bKash:

1. For monthly subscriptions, the subscription fee will be deducted on a specific date of every month.

2. For 180 days plan, if the 1st payment attempt fails, there will be 5 more attempts in every 5 days to make the payment (6 attempts in total).

3. For yearly plan, if the 1st payment attempt fails, there will be 5 more attempts in every 5 days to make the payment (6 attempts in total).

Debit/Credit Card:

• Monthly recurring payment is only available with debit and credit cards of selective banks. In the case of payment through cards, for monthly auto-payment/recurring plans, if you don’t have enough balance during the first attempt, you will have four (4) more chances to pay for the month in the next 30 days.
• For one-time payment plans for 180 days, and 12 months/yearly, subscriber will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, Rocket, and Upay. Once the payment is confirmed by the subscriber, the payment will be charged immediately from the associated card or wallet.

4. Paying through One-Time Payment link for missed payments: For both bKash and Card payment, for all the monthly subscriptions, after all the scheduled payment attempts have failed, a One-Time Payment link will be generated and sent to the customer through SMS and in-app
notification, so that customers can make the payment for that billing month. Customers can also get the link by calling MILVIK the customer care number 09610500599.

5. For any auto-payment/recurring plans, if no successful deduction occurs in a billing cycle, the
customer will have no coverage for the next cycle.

One-time payment subscription plans:

1. For one-time payment plans for 180 days, and 12 months/yearly, the subscriber will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, Rocket, and Upay. Once the payment is confirmed by the subscriber, the payment will be charged immediately
from the associated card or wallet.

2. Subscribers can renew their plan from Milvik Health+ App or contact MILVIK customer care for support.

3. Renewal window starts –

• a.60 days before the current coverage period ends for 180 days plans.
• b. 75 days before the current coverage period ends for yearly plans.

4. To enjoy continuous coverage, a customer has to renew his 6 months or 12 months payment.
plan at least 30 days before the current coverage ends.

5.  A subscriber can still renew his plan less than 30 days before the coverage period ends but the new coverage period will not start immediately from the next day of previous coverage end. In cases where renewal has been done 15 days after the current coverage period has ended, all the
waiting periods will reset.

Eligibility:

1. Customers must be aged a minimum of 18 years and above at the time of registration.

2. Customer can add any relative as insured relative under shared cover. The age range for any adults to be covered is 18 years and above. Children will be covered from birth onwards.

Service Coverage:

1. Unlimited audio and video consultations with general physician with 24/7 availability. Doctor will call back within 30min following request through MILVIK Health+ app or calling Milvik Helpline
number 09610500599.

2. On-demand specialist care, Gynaecologist, Nutritionist, Psychologist and Paediatrician (appointment basis).

3. On-demand medicine delivery and sample collection from home within service area (pay per model)

4. Subscribers can enjoy 10%-50% discount at Milvik Discount Partner network consisting of more than 500 partners across the country on services like radiology, pathology, doctor fee, and
hospital bed charge etc.

5. Tele-doctor consultation is for general consultations only and does not apply to emergencies and critical conditions with immediate medical care needs. A doctor will call back based on the consultation booking.

Waiting period:

1. There is no waiting period to access the services of MILVIK My Doctor. Customer can avail services right after the payment.

Coverage limits:

1. 24/7 unlimited doctor consultation will be available only for customers and covered members.

2. Eligible covered members count as per the plan variants,

a. Single Silver: 1 person

b. Joint Silver: 2 persons

c. Family Silver: 4 persons

Payment mechanism:

Auto-payment plans:

bKash:

• For 180 days plan, if the 1st payment attempt fails, there will be 5 more attempts in every 5 days to make the payment (6 attempts in total).
• For yearly plan, if the 1st payment attempt fails, there will be 5 more attempts in every 5 days to make the payment (6 attempts in total)

Debit/Credit Card:

•  For one-time payment plans for 180 days, and 12 months/yearly, subscriber will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, Rocket, and Upay. Once the payment is confirmed by the subscriber, the payment will be charged immediately from the associated card or wallet.

Paying through One-Time Payment link for missed payments: For bKash payment, for all the recurring subscriptions, after all the scheduled payment attempts have failed, a One-Time Payment link will be generated and sent to the customer through SMS and in-app notification, so that customers can make the payment for that billing cycle. Customers can also get the link by calling MILVIK the customer care number 09610500599.

For any auto-payment/recurring plans, if no successful deduction occurs in a billing cycle, the customer will have no coverage for the next cycle.

One-time payment subscription plans:

1. For one-time payment plans for 180 days, and 12 months/yearly, the subscriber will receive a link to make payment using their chosen wallet i.e. debit/credit card, Nagad, Rocket, and Upay. Once the payment is confirmed by the subscriber, the payment will be charged immediately
from the associated card or wallet.

2. Subscribers can renew their plan from Milvik Health+ App or contact MILVIK customer care for support.

3. Renewal window starts:

a. 30 days before the current coverage period ends for 180 days plans.

b. 45 days before the current coverage period ends for yearly plans.