GRAMEENPHONE LTD. Several pioneer telecommunications companies of
What is
'Mobile Life Insurance' is a special kind of Life Insurance program offered by the telecommunication service providing companies. It provides protection against the subscribers' risk-burden of life-loss through cash benefit. And, the monetary compensation is paid at the event of death, or accident, or hospitalization of the registered subscriber.
Unlike general life insurance programs, the mobile life insurance plans don't require their subscribers to deposit premiums. The subscribers are required to follow some procedures like registration to avail these insurance benefits.
Life Insurance Plan 'Nirvoy' by
The goal of 'Nirvoy' life Insurance plan was to bestow an opportunity to the GP subscribers to minimize the risk-burden upon their lives. Under this life insurance product, GP is supposed to provide monetary compensation when any registered customer succumbs to death during his/her covered insurance period.
The above graph represents the slab-wise Life Insurance coverage under 'Nirvoy' plan. The insurance plan starts from the minimum monthly recharge of
Life Insurance Offer 'Daktarbari' by Banglalink
Banglalink (BL) has launched a digital health care platform 'Daktarbari' on the 22nd August in 2019. 'Daktarbari' Premium Services include three types of Insurance benefits. Those are:
Life Insurance (Complimentary).
To provide the insurance benefits under 'Daktarbhai' platform, the covered subscribers are divided into five categories on the basis of monthly deduction from their respective BL mobile accounts.
Table 1: 'Daktarbari' Insurance Coverage for Daily Plan.
Coverage Code
Monthly Deduction from Subscriber
(BDT)(Excluding Tax)
Cash Coverage for Hospitalization (in one month)
Accidental Medical Reimbursement (in one month)
D1
2 - 18
Tk.10,000
-
-
D2
20 - 28
Tk.10,000
Tk.10,000
-
D3
30 - 48
Tk.10,000
Tk.15,000
Tk.2,000
D4
50 - 58
Tk.10,000
Tk.20,000
Tk.3,000
D5
60 - 62
Tk.10,000
Tk.30,000
Tk.5,000
To avail these insurance benefits, the BL customers can choose the daily (
Insurance offer 'Myhealth Combo' by Robi
The Life insurance benefits under Myhealth Combo plan fall under monthly policy. The insurance coverage would be provided to the nominee (chosen by the eligible subscriber) at the event of the covered subscriber's death caused by any reason, like natural or accidental.
Table 2: Insurance Coverage under Myhealth Combo Plan by Robi
Service Plan Type
Monthly Deduction (Excluding VAT, SC,SD) (BDT)
No. of Deduction Per Month
Insurance Coverage (BDT)
1
2.0 to 8.0
1 to 4
5000
NA
2
10.0 to 18.0
5 to 9
10000
NA
3
20 to 28
10 to 14
20000
NA
4
30 to 38
15 to 19
30000
NA
5
40 to 48
20 to 24
40000
250
6
50 to 58
25 to 29
50000
500
7
60+
30 to 31
60000
1000
'Hospital Cash Insurance' offer under 'Myhealth Combo' service is a monthly policy. Unlike 'life insurance coverage' the hospital cash insurance is not available to all Robi subscribers. It is availed by the eligible Robi customers who have subscribed for service plan type 5 to 7 (see table 2). The Robi subscribers can register this service through USSD.
Life Insurance Coverage under 'Myhealth Combo' Offer by Airtel
Table 3: Insurance Coverage under Myhealth Combo Plan
Category
Total monthly Deduction in BDT (Excluding VAT, SC,SD)
No of Deduction Per Month
Hospital Daily Cash Benefit (BDT)
Life Insurance Coverage (BDT)
1
28
0-14
NA
NA
2
30-38
15-19
NA
5000
3
40-48
20-24
250
5000
4
50-58
25-29
500
5000
5
60+
30-31
1000
5000
The 'Hospital Cash Coverage' benefits are quite similar to the hospitalization monetary compensation offered by Robi's 'Myhealth Combo' plan. The last three slabs (category 3 to 5) are eligible for hospitalization cash insurance. A covered Airtel customer can avail maximum
Bottom Line:
Banglalink (BL) provides mobile insurance benefit under their digital health platform 'Daktarbari'. These insurance benefits include coverage for hospitalization, accident, and death. Here all slabs are applicable for complimentary life insurance benefit of
TheRobi subscribers can enjoy mobile insurance under the 'Myhealth Combo' service offered by the company. Robi offers insurance benefits for occasions of hospitalization and death. On the highest end, a covered Robi customer can get
Airtel provides mobile insurance offer under 'Myhealth Combo' service. The 'hospital cash benefit' offer is almost analogous to the propositions of Robi'sMyhealth Combo service.
So far we have discussed several mobile insurance propositions offered by the major telecommunication service providers in
© Pakistan Press International, source
