Claims

Guardian Life Insurance Limited (GLIL) is the fastest growing Life Insurance Company in Bangladesh. Being the leading group insurer, GLIL has been working towards financial inclusion; it’s partnership with BRAC has spread the reach of GLIL quite extensively with over 6.4 million lives coming under the umbrella of GLIL. GLIL has gone all out when it comes to keeping such a mammoth commitment.

The Policyholder shall submit the claim by filling up the claim form along with all the supporting documents. Claims can be submitted by physically/courier to the following address:

Partnering with the world’s largest NGO and disseminating a service necessitated the placement of a strong Claim Processing Engine that can quench the claim flow generated by such an enormous operation! GLIL has worked in two folds when it comes to the Claim Processing Engine, driving on both quantity and quality.

  • GLIL has smartly taken the help of digital technology, utilized own resources and immobilized the huge infrastructure of BRAC to reach out to the millions of under privileged population of Bangladesh and bring in their lives the Midas Touch of Life Insurance. Capitalizing on the boon of technology in the claim processing, GLIL introduced MyGuardian Web Portal to drive effectiveness and efficiency in claim processing.
  • Innovation-Driven Claim Process Engine has brought in significant quality improvement; the beneficiaries of a policyholder under the Guardian-Brac Bima (GBB) program get on-the-spot cash benefit (funeral benefit) upon making a claim – this helps them deal with the initial trauma. GLIL takes about 4 business days for processing and settlement. This is way above the industry practice.
  • Overcoming Geographical Barriers: Under scope of this Guardian-Brac Bima (GBB), an insurance company for the first time in the country has fully utilized the aggregator’s (BRAC) infrastructure (2224 branches) to provide instant and quality service.
  • Efficient Claim Handling: GLIL has also been very keen to payout claims diligently as this is a great responsibility in terms of Insurance sector development and branding. GLIL aspires to be the harbinger of financial independence to this large population who are usually considered to be “uninsurable” for being poor.
  • Transparency: An insured person can submit his claim and see his claim status any time from GLIL’s web portal. Besides, all the preferred hospitals that provide cashless facilities to the insured of GLIL also can oversee their payment status concurrently.
  • Easy Claims and Data Capture: The claim process in GLIL is easy and a customer can get a very friendly claim handling process experience conducted by a very efficient and communicative team of claim officers. Documents can easily be submitted via MyGuardian Web Portal.
  • Breaking Milestones: This magnanimous venture has resulted into 9,644 claims being settled with 75 crores BDT paid out till date – the amount is quite big in itself; however the true pride for GLIL lies in the efficiency of the process and the thousands of ultra-poor people whose miseries have been alleviated by this big-ticket initiative of Guardian and BRAC.
  • Guardian Claim Process Engine has not only helped drastically improve GBB performance but also enabled GLIL achieve excellent claim settlement scores in overall business. Since 2016, GLIL has received a total of 41,228 claims, of which 38,470 claims have been settled (93%) resulting into payout of BDT 90.2 crores.

Manual Submission:

The Policyholder shall submit the claim by filling up the claim form along with all the supporting documents. Claims can be submitted by physically/courier to the following address:

Address :
Claims Department
Siddique Tower, (10th floor),
49 Mohakhali C/A, Dhaka-1212
Guardian Life Insurance Limited.

Online submission:

To submit claims through online please click following links.

Web portal - myguardianbd.com

Mobile Apps - My Guardian

Note: We will go for final process after getting original money receipt (Hard copy)

Claim Submission

Cashless facility is a benefit given by an insurance company to its health policyholders. This facility enables the insured to get hospitalized at any preferred hospital of the insurer. This relieves the policyholder of a major financial burden, especially with the rising cost of medical care these days. This facility is offered by virtue of the insurer’s tie-up with the hospital, and such hospitals are called preferred hospitals.

You can contact the insurer directly on 09610000200 who will guide you on the process of taking cashless facilities.

Organization*:
Insured Name*:
PIN*:
Patient Name*:
Date of Birth*:
Mobile*:
E-mail*:
* Required

Quickly and easily check the status of your claim and get step by step help with the claims process. You can check the progress of your claim here.

Web portal - myguardianbd.com

Mobile Apps - My Guardian

General FAQs

1. My wife/ children/self-sick, where can I get treatment/admitted/ which doctor should I consult?

Ans. In which area you are residing. You can take treatment from our listed hospital in that case we can provide cashless facilities as per contract/ you can also take treatment from other hospital in that case we cannot provide cashless facilities so that you have to reimburse the claim after that our management will inform you whether you will get or not your bill.

2. In which address I should send the insurance claim?

Ans. Claims department, Guardian Life Insurance Limited, Siddique Tower, (10th floor), 49 Mohakhali C/A, Dhaka-1212.

3. What necessary documents I have to submit for getting health insurance claim?

Ans. After getting discharge from the hospital within … days you have to submit the insurance claim by following proper procedure

  • All the provided money receipt should be original.
  • Original copy of itemize medicine bill.
  • Hospital Discharge.
  • Doctor’s advice for hospitalization.
  • Photocopy of all investigation report.
  • Photocopy of all the advice and requisition slip for medicine and investigation by physician.
  • Photocopy of details treatment sheet of regarding hospital.
  • Insured members bank account information

4. Please name the listed hospitals of Rangpur/ Bagura etc.

Ans. You can follow our GLIL website for name of listed hospital.

5. Where can I get claim form?

Ans. You can collect it from your branch / HRD

6. Is the signature of HR necessary? /what can I do if my HR is on leave?

Ans. Yes. Signature of HR/ Supervisor is mandatory.

7. Within how many days claim should be submitted?

Ans. You have to follow it as per organization contract.

8. I have submitted a health claim, have you received it?

Ans. We have to check Software/IMS.

9. What are the difference between cashless and reimburse facilities?

Ans. If you take treatment from GLIL listed hospitals without payment it’s called cashless facilities and if you take treatment from any hospital (without listed hospital) with cash payment and further submitting the detail documents to GLIL it’s called reimbursement.

10. I have submitted insurance claim more than four weeks ago, can I get the insurance facilities?

Ans. You can get according to organization contract.

11. Can I have treatment from non-listed hospital?

Ans. Yes you can get.

12. What are the procedure of cashless facilities?

Ans. You have to give following information through electronic or direct contact to GLIL. Employee name/pin, member id, Mobile number, Patients name, Patients date of Birth, prescription, copy of bank check, hospital names, admission date etc.

13. Will you come to hospital? Can I get the cabin?

Ans. I will come if necessary. Yes you can according to your limit.

14. What is spouse , child etc mention in the claim form?

Ans. Name of husband or wife and children.

15. What do you mean by policy holder ID number?

Ans. The number which is provided by insurance company.

16. What is claim type? What do you mean by outpatient?

Ans. Claim type is whether hospitalization or maternity. Outpatient is treatment without admission.

17. What do you mean by hospital accommodation? I am on leave can I submit the bill after the leave?

Ans. Hospital accommodation means cabin or seat rent. You have to submit claim as per organization contract.

18. What do you mean by consultant fee?

Ans. Doctors fee.

19. What is routine investigation?

Ans. Health test.

20. What is ancillary services?

Ans. Ancillary means miscellaneous hospital expenditure like service charge, registration, admission, ambulance etc.

21. Whose sign and seal will be given in supervisor sign area?

Ans. HRD/ Immediate supervisor.

22. What is routing number? Will it give?

Ans. You have to communicate with bank for getting routine number. Yes.

23. Where can I get the list of listed hospital, is there any listed hospital in Pabna or Rangpur . I have received a SMS but I cannot understand it?

Ans. you will find in My Guardian website. Please check the website for listed hospital and for SMS quires I have to check software/IMS.

24. I have submitted my health claim, have you received?

Ans. I have to check IMS/ Software/ Excel sheet.

25. I have received a SMS in my mobile that I will get money within 48 hours in my bank account but I did not get yet. My claimed amount is tk. 20000/- but why I have received 16000/-?

Ans. you have to check bank account after 3/4/5 working days. We have to check IMS/Software for deduction amount.

26. How shall I submit my health claim documents and through which courier?

Ans. You can submit your document by any courier.

27. My husband/wife/children will get admitted to the hospital, within 24 hours I have to inform you that’s why I called what information should I provide?

Ans. You have to submit Employee name/pin, member ID, Mobile number, Patients name, Patients date of Birth, prescription, hospital names etc.

28. I have deposited tk. 2000/- in your listed hospital during admission, will I get it back? Hospital already received the bill, when will I get my deposit amount?

Ans. We have to check the software/IMS

29. I do not have personal bank account number, can I give other account number/ can I submit Bkash number?

Ans. Others bank account number are not acceptable except personal account number.

30. Can I get ambulance cost?

Ans. Ambulance cost is provided only in an emergency condition.

31. According to circular, no payment is required during hospitalization in your listed hospital but why hospital administration seeking money?

Ans. According to contract there are some non-payable items so you have to deposit some amount for it.

32. How much percentage are you deducting from health insurance claim?

Ans. You are not deducting any amount by percentage. The non- payable items according to contract are deducted only.

33. Can I provide all photocopy documents?

Ans.Except money receipt all photocopy are acceptable.

34. Is overseas treatment allowed?

Ans. yes. As per contract.

35. Is CNG or Bus fare acceptable?

Ans. No.

36. My wife and child both were admitted in hospital, can I send the bills together or separately?

Ans. You can send it jointly or separately.

37. Is dental / optical treatment cost payable?

Ans. Dental/optical treatment cost payable as per contract.

38. What is my health claim limit?

Ans. You can get it as per policy.

39. I am a Brac employee suddenly I became ill what can I do now?

Ans. Please contact us with doctor’s advice regarding your illness.

40. Suddenly I became ill yesterday and visited a doctor, he/she advised some investigations which cost tk.2500/- , can I get the bill?

Ans. you can get the bill as per contract.

41. I am un-married.Can I get health insurance facility for my father/mother/brother/sister?

Ans. No. Insurance facility is provided for insured, spouse& dependent children as per contract.

42. I called to inform that one of the brac employee died.

Ans. For this information you have to call in other numbers——-

43. I have send a claim without pin number what can I do now?

Ans. You have to send another claim form with pin number.

44. By mistake I have claimed excess amount than original bill what can I do now?

el_class=”faq_claims”]Ans. You have to send an application to Guardian life insurance through Brac HR.

45. Someone called me from TNT and asked for document now where will I send the documents?

Ans. You have to send document to the respective email ID and if it is original money receipt you have to send direct to GLIL.

46. Should I submit another claim form while submitting documents?

Ans. No.

47. I have arrived in hospital where are you?

Ans. I am at head office, call me if necessary.

48. Where is your head office, will you come to hospital now?

Ans. We are in Head office, if necessary our employee will visit.

49. My daughter is 25 years old she is sick, she will go to caesarean operation, can she get any insurance benefit?

Ans. No.

50. I have no online bank account, can I get my payment by Bkash?

Ans. Yes, you will get.

51. I have submitted billing amount of tk. 35000/- but I have received tk. 20000/- only why the amount has been deducted and in which items you have deducted from the bill?

Ans. We have to check it from Software/IMS

52. I am late in submission of the claim what should I do?

Ans. According to contract we have to answer.

53. I will be discharge today will you come and visit me?

Ans. No

54. My bill has been regretted what I should do?

Ans. You have to apply for review of the claim to GLIL through HR approval then respective management will review your claim and inform accordingly.

55. How will I check my claim status/ summary from web portal?

Ans. myguardianbd.com » claim tracking » medical claim tracking » claim tracking by employee ID/Pin.

56. How will hospital authority check the claim status/summary from web portal?

Ans. myguardianbd.com » sign in » preferred hospital » Hospital ID & Password.

57. How will HR/ admin of organization check the claim settlement/status from web portal?

Ans. myguardianbd.com » sign in » Corp.Org. Admin » Pin No & Password.

58. Please tell me the claim collection schedule.

Ans. we have to check the claim collection schedule.

59. What is the hospital admission procedure of other companies except Brac?

Ans. The policy holder employee should provide his complete information to his regarding HRD during admission after that the HRD of regarding organization will contact with GLIL through email.

Life Claim FAQs

1. Our one member died, what should we do now? Which documents need to send you?

Ans. kindly send below mentioned documents of deceased –

  • Photocopy of National ID card.
  • Photocopy of death certificate from UPC/Respective physician.
  • Employer certificate, which issued by organization

2. In case of accidental death, which documents should we send?

Ans: kindly send below mentioned documents of deceased –

  • Photocopy of National ID card.
  • Photocopy of death certificate from UPC/Respective physician.
  • Employer certificate, which issued by organization
  • Photocopy of First Information Report (FIR).
  • Photocopy of General Diary (GD), Inquest Report and Postmortem Report.

3. To whom the cheque will be issued?

Ans: In Life claim, we will issue the cheque by the name of organization.

4. Will we have to send the required documents directly to the Guardian Life Insurance Limited?

Ans: No. At first, documents will be sent to the organization, then they will send the documents to us.

5. How many days will you take to settle a claim?

Ans: If all documents are ok and there is no any documents lacking, we will process the death claim within three days.

6. What is the current status of my insurance claim?

Ans: Have to check from the software.

CI/MDB Claim FAQs

1. Which documents should we send in case of Critical Illness (CI)/ Major decease benefit (MDB) claim?

Ans.

    • A duly filled & singed claim Form/ Application from your HR
    • All treatment documents have to send to us.
  • 2. To whom the cheque will be issued?

    Ans: We will issue the cheque directly to the insured in case of CI/MDB claims.

    Name*:
    Mobile*:
    E-mail*:
    Your Claim Feedback*:
    * Required
    1. REQUIRED DOCUMENTS FOR MEDICAL CLAIMS

    A. For Outpatient treatment (OPD):

    1. Duly filled in & signed Claim Form
      For Group Health Insurance - All claims to be submitted through the employer and to be duly attested by competent authority. For the Individual Health Insurance- All claims to be submitted/sent directly to the Guardian Life’s head office and to be signed by insured member only.
    2. Original money receipt showing the attending physician's detailed charges along with his signature.
    3. Original itemized pharmacy bill showing date of purchase, name of patient, quantity and name of drugs along with photocopy of physician's prescription.
    4. Original receipt showing charge for each of the Lab test, X-ray Films, and other examinations done and supported by the respective physician's request to undergo examinations and copies of the results of examinations undertaken.

    B. For In-patient treatment (IPD):

    1. Duly filled in & signed Claim Form
      For Group Health Insurance - All claims to be submitted through the employer and to be duly attested by competent authority. For the Individual Health Insurance- All claims to be submitted/sent directly to the Guardian Life’s head office and to be signed by insured member only.
    2. Consultant’s recommendation for hospitalization (attested Photocopy)
    3. Discharge certificate (attested photocopy)
    4. Original and itemized Bills / Receipts of all relevant expenses i.e. Hosp. Accommodation, medicines, consultation fees, investigations, procedures, Surgery, any medical or surgical items along with their requisition slip. Database bills is preferred.
    5. A copy of the patient's file while hospitalized.

    C. Important points for claim reimbursement:

    1. Submit your claim within allowable limit.
    2. Patient’s name has to be same as earlier submitted Health Insurance Application Form. Please avoid use of nick name.
    3. All receipt related with financial transection must be original one. Total claim amount must be well supported by submitted supporting documents.
    4. Overwriting or writing by self in any claim documents to change the amount is strictly prohibited. Guardian Life reserve rights to decline total claim if it is proven that insured member has manipulated the bills or trying to manipulate the bills.
    5. Voluntary collection of manual or computer compose bill instead of Software generated bill where well-functioning system is available also strongly prohibited.
    6. The Company shall, where it deems necessary, seek opinion of it’s medical expert to satisfy itself that the Member has been provided with the reasonable medical treatment and services.
    7. Guardian Life reserve rights to obtain any information from any source and to verify any claims by independent & professional 3rd party and may call relevant any documents before final settlement.
    2. REQUIRED DOCUMENTS FOR DEATH CLAIMS:
    1. Duly filled in & signed Claim Form.
      For Group Life/ Credit Shield Insurance - All claims to be submitted through the Employer / Bank or Leasing Company and to be duly attested by competent authority. For the Individual Life Insurance- All claims to be submitted/sent directly to the Guardian Life’s head office and to be signed by valid nominee.
    2. Original or attested photocopy of Death Certificate from the Hospital and/or Death Registration Certificate issued by Municipal Body, either from the health department of City Corporation / Local Union Parishad / commissioner / Councillor / Chairman / Mayor (on his/her official printed letterhead).
    3. Employment Certificate by the Employer for Group life Insurance, Copy of Loan / Card approval letter including copy of DGH filled out by insured Credit Shield Insurance and Original Policy Document in case of Individual Life Insurance.
    4. Copy of National Identification Card (NID) or Smart Card of Deceased and Nominee.
    5. Succession report / Nomination certificate for applicable cases
    6. Treatment record of Deceased prior death (if any)
    7. For accidental or any unnatural death- Copy of FIR/GD, Inquest Report and Post mortem report.
    8. Guardian Life reserve rights to obtain any information from any source and to verify any claims by independent & professional 3rd party and may call relevant any documents before final settlement.
    3. REQUIRED DOCUMENTS FOR CRITICLE ILLNESS (CI) CLAIMS:
    1. Duly filled in & signed Claim Form.
      For Group Insurance - All claims to be submitted through the Employer and to be duly attested by competent authority. For the Individual Insurance- All claims to be submitted/sent directly to the Guardian Life’s head office and to be signed by Insured Member
    2. Employment Certificate by the Employer for Group Insurance and Copy of Policy Document in case of Individual Insurance.
    3. Copy of Medical record with detailing of the Critical Illness by the respective specialist physician
    4. Copy of medical investigations repot to support or proof the Illness.
    4. REQUIRED DOCUMENTS FOR ACCEDENTAL PPD/PTD CLAIMS:
    1. Duly filled in & signed Claim Form.
      For Group Insurance - All claims to be submitted through the Employer and to be duly attested by competent authority. For the Individual Insurance- All claims to be submitted/sent directly to the Guardian Life’s head office and to be signed by Insured Member
    2. Employment Certificate by the Employer for Group Insurance and Copy of Policy Document for PPD & Original Policy Document for PTD in case of Individual Insurance.
    3. Copy of Medical record with detailing of the Disability by the respective specialist physician
    4. Copy of medical investigations repot to support or proof the Disability.
    5. Proof documents where reflecting the said Disability prevents the insured member from engaging in any business, occupation or work whatsoever for remuneration or profit has continued uninterruptedly for a period of at least six months (for PTD)
    6. Original Certificate from respective specialist physician as a proof of irrecoverable condition, dated after initial six month (for PTD)
    7. Guardian Life reserve rights to obtain any information from any source and to verify any claims by independent & professional 3rd party and may call relevant any documents before final settlement.
    IMPORTANT POINTS FOR DEATH / CI / PPD / PTD CLAIMS:
    1. Submit your claim within allowable limit.
    2. Name of claimant has to be same as earlier submitted documents. Please avoid use of nick name.
    3. Overwriting or writing by self in any claim documents is strictly prohibited. Guardian Life reserve rights to decline total claim if it is proven that insured member has manipulated the claim documents or trying to manipulate the claim documents.
    4. The Company shall, where it deems necessary, seek opinion of it’s medical expert along with the Company’s appointed physician to satisfy itself that cause of death or disability mentioned in submitted documents are justified.
    5. Guardian Life reserve rights to obtain any information from any source and to verify any claims by independent & professional 3rd party and may call relevant any documents before final settlement.
    Book an Appointment

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

    Guardian Life Insurance Limited started its business activities from 1st January 2014 and has already achieved good reputation in the Insurance Industry and is looking to grow further in the coming years. The paid up capital of the company is 18.20 Crore and authorized capital is set at 200 Crore. Guardian Life Insurance Limited is striving to ensure trust in the hearts of our stakeholders through good governance. Guardian Life Insurance Limited has started its journey with the promise of helping build a better and more secured future for our valuable customers by providing them with world class insurance products and excellent customer service. The company will utilize a dynamic and caring knowledge-driven workforce coupled with the latest in technology in order to exceed the valued customers’ expectations. Innovation, proper risk management and prudent investment mechanisms are our tools in ensuring maximum financial benefits for our customers.

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