Corporate Solutions

Group Insurance

Group life insurance helps to offer multiple benefits to a standard group of individuals in one go. Group Insurance plan is hassle free and customized mechanism to cover a group of people under a single master life insurance policy. Group insurance ensures financial security to the family in the event of unfortunate group members sickness, accident or death.

The Group Insurance is a comprehensive coverage can be offered to employees and the policy can be customized as per the needs of the group. The employer can offer to their group members either in uniform cover or varied cover. It covers death, health and personal accident (disability) benefits not only for insured, but also for their spouse, children, and dependent parents as well. Group Insurance is appropriate for employers, association, banks, financial institutions covering a group of people failing under a standard category.

One master plan that covers all members of the group

Annual renewable term product

Group policies are affordable and less expensive compared to an individual policy

Quick settlement process

Worldwide Coverage

Excellent option for employers to attract and retain the employees.

Group insurance policy is a win-win situation for both the employer and employees

Guardian Life are very renowned and very trusted business houses in Bangladesh viz., Apex, BRAC & Square Group.

Largest group insurance portfolio in the country.

Preferential admission facilities in our designated Hospitals by showing Health Card.

Easy Claim Submission: You can submit your claim through Guardian Life Web-Portal.

Claim Tracking System: You will receive a claim receiving SMS as well as claim tracking number to see your
      claim status. We also send claim settlement SMS upon payment to your bank account.

Cashless treatment facilities in our designated preferred hospitals.

Highest premium earner in 2016 among 4th generation life insurance companies of the country.

Group Term Life

Employee happiness comes from financial security, professional growth and cordial working environment. Group term life provides a financial security and peace of mind all the times to the group member and to their family, in case of unfortunate demise which leads to increase productivity of the employee. And it becomes win-win situation for the employer as well as employee. GLIL provides basic Group Term Life as well as personal accident life coverage (disability coverage) as supplementary coverage.

If an Insured Member dies (except death due to suicide in the first year of coverage of a Member and HIV/AIDS-related diseases), Guardian Life Insurance Limited upon receipt of written proof of such death due to sickness or accident, will pay to the Organization the sum insured in respect of the said Insured Member.

Critical Illness Benefit

Critical Illness is a special supplementary scheme designed for group members and for their family members with a view to provide financial support and protection in the event of a member is diagnosed to have one of the diseases mentioned below, but not until at least six months have been elapsed since the commencement.

This supplementary coverage Max. BDT. 500,000 shall be paid immediately regardless of actual expenses in addition to your other coverage you have.

1. Cancer

2. Heart Attack (Myocardial Infarction)

3. Stroke

4. Coronary Artery (Bypass) Surgery

5. Kidney Failure (End Stage Renal Disease)

6. Major Organ Transplantation

7. Paralysis

8. Multiple Sclerosis

9. Blindness/ Loss of Sight

10. Heart Valve Replacement

11. Surgery of Aorta

12. Aplastic Anemia

13. Benign Brain Tumor

14. Chronic Lung Disease/End Stage Lung Disease

15. Deafness/Loss of Hearing

16. Major Head Trauma

17. Loss of Limbs

18. Loss of Speech

Group Medical Insurance Plan

Now a- days to lead a healthy life style is very much very stress full and challenging considering the imbalances of family expenses. Medical insurance plans are designed to cover medical expenses in case of hospitalization either as in-patient or as an out- patient as well as critical illness. Very flexible and at affordable group medical insurance allows all the regular employees with an option to include family member (spouse & dependent children) under the proposed Medical Insurance Scheme.

The hospitalization Insurance Plan is designed to provide a comprehensive coverage of hospitalization treatment expenses of an insured due to illness or injury sustained during the period of coverage. Treatment benefits under our four alternatives Hospitalization Insurance Plans for your valued employees are described below for your kind perusal:


  • Coverage per Person per Disability.
  • Daily Hospital Room Rent (Actual or Max.)
  • ICU/CCU Limit per confinement
  • Total Hospital Room Rent (Actual or Max.) including ICU/CCU
  • All other In-Patient treatment expenses inclusive of surgical charges, consultation fees, medicines, medical appliance and relevant medical investigations related to the ailment and other ancillary services (excluding Room & ICU/CCU charges) maximum per disability.

Applicable for Female employee/spouse up to the age of 45 years. The Maternity/Obstetrical Benefit is applicable to expenses incurred for room, board and general nursing care, special hospital services and ordinary nursing care of the baby/babies while the mother is confined to the hospital, and for charges made by the physician, or registered midwife.

Pregnancy shall include childbirth, miscarriage, or legal abortion, including any and all complications arising there from in connection with any one pregnancy.

  • Doctors Consultation fees
  • Medical Investigations fees
  • Medicine Cost

  • Doctors Consultation fees
  • Amalgam, Resin Plastic & Temporary/Permanent Fillings
  • Routine Extraction
  • Medication
  • X-rays
  • Root Canal Treatment,
  • Scaling & polishing (once in a year for each member)

  • Consultation
  • Vision tests for errors of refraction
  • Lenses and spectacles

Group Personal Accident Benefit

Supplementary Benefit (Disability)

Group personal accident insurance plans cover multiple types of disabilities. The disabilities caused by accidents are classified under the following three sections for determining compensation:

Accidental Death Benefit shall pay to the employer (organization), the sum insured in respect of the said Insured Member in addition to Death Benefit If an Insured Member dies directly from an accident caused through external and violent, within 90 days from the date of occurrence.

Permanent and Total Disability coverage shall pay to the Organization the sum insured in respect of said insured employee, In case of Permanent and total Disability caused directly by an accident from bodily injury, which prevents the Insured Member from engaging in any business, occupation or work whatsoever for remuneration or profit and which disability has continued uninterruptedly for a period of at least six months and has been certified to be incurable by a physician approved by the Company, the Company .
In the interpretation of this definition the Company will, however, recognize as Total and Permanent Disability the entire and irrevocable loss of:

  • both eyes,
  • both hands above the wrist,
  • both feet above the ankle,
  • one hand above the wrist and one foot above the ankle,
  • one eye and one hand above the wrist,
  • one eye and one foot above the ankle.
If an insured Member becoming totally and permanently disabled die within 365 days from the date of such disablement the Company shall pay the sum insured in respect of the said insured employee.

Permanent and Partial Disability coverage will pay to the employer the benefit specified in the following schedule where applicable in respect of the said insured employee in case of a Permanent Partial Disablement caused directly by an accident. However, one sum namely the larger sum will be paid for multiple injuries resulting from one accident:

Event Sum Assured Payable
Loss of Sight of one eye 50%
Loss of or Loss of Use of one Limb 50%
Loss of Hearing
  -both ears
  -one ear

75%
25%
Loss of Speech 50%
Permanent total and irreversible loss of the lens of one eye 50%
Loss of or Loss of Use of four Fingers and Thumb of
  -right hand
  -left hand

75%
50%
Loss of or Loss of Use of one Thumb
  -both right joints
  -one right joint
  -both left joints
  -one left joint

30%
15%
20%
10%
Loss of or Loss of Use of Fingers
  -three right joints
  -two right joints
  -one right joint
  -three left joints
  -two left joints
  -one left joint

10%
7.5%
5%
7.5%
5%
2%
Loss of or Loss of Use of Toes
  -all-one foot
  -great-both joints
  -great-one joint

15%
5%
3%
Fractured leg or patella with established non-union 10%
Shortening of leg by at least 5cms 7.5%

Permanent disabilities not mentioned above shall be compensated in accordance with their severity as compared to those listed. Permanent, partial or total loss of the use of a limb shall be deemed to be the same as permanent, partial or total loss of the said limb. No indemnity is payable for any pre-existing degree of disablement and if further injury occurs, only the difference between the condition prior to and after current injury shall be considered.

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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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