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
Police Plaza Concord (13th Floor), Tower- 02,
Plot # 02, Road # 144, Gulshan Avenue, Dhaka- 1212.
Guardian Life Insurance Limited.

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 or simply fill out and submit the form below to guide you on the process of taking cashless facilities.

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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

Frequently Asked Questions

1. What is Cashless Hospitalization?

Ans: Cashless Hospitalization is a special privilege or value added service offered by GLIL. You can enjoy hospital expenses in advance from your available limits as GLIL pays the bills directly to hospitals. You have to pay only for the non-covered items & expenses exceeding your limits at the time of discharge from hospital.

2.What are the procedures to avail Cashless Hospitalization?

Ans: There are two types of Hospitalization.
In case of “Planned Hospitalization” such as delivery, gall bladder operation etc. you have to inform GLIL through your HR department prior to hospitalization.  Supporting medical documents mentioning your reason for admission & The Hospital’s name is mandatory with the cashless request.
In case of “Emergency Hospitalization” such as sudden heart attack, road traffic accident etc. we accept cashless request within 72 hours after your admission.
In both the cases we need the full name, age, organization name, membership id (or PIN no) of the admitted patient to find his/her benefit schedule & earlier consumption of his/her limits in our system.

You can send the Cashless request through Hospital’s “Corporate desk” as well with the supporting documents mentioned above. After cross checking the information we would provide you the cashless support.

In short, the insured will inform GLIL through his/her HR with prescription mentioning Hospitalization cause & advice for hospitalization. Besides, he/she will provide Full name, Staff ID, Age, organization’s name & Hospital name during admission. However, this is not applicable for the employees of Brac. They will communicate GLIL directly with these documents during admission.

3. Will I get cashless facility in every hospitals?

Ans: No. We can arrange cashless hospitalization only in our enlisted/preferred hospitals.

4. From where I can know the details of your listed/preferred hospitals?

Ans: Please click on the link below and you will get the details:
https://myguardianbd.com/Home/GlilPreferedHospital
or call us at our hotline: 16622.

5. In which cases GLIL deny to provide cashless facility?

Ans: In case of non-covered diseases or any doubtful hospitalization where every details need to be checked; we may not provide you the cashless facility. In those cases, you have to pay total hospital bill & later send us your claim along with claim form & supporting documents.

6. Why I had to pay 10,000/- in hospital counter at the time of discharge though I was under “Cashless Hospitalization”?

Ans: We instructed you to deposit a lump sum money on assumption at the time of discharge. As there were excess costs in the bill exceeding your limits in room rent, service charge etc. And there were costs of some items those are not covered by insurance such as: non-medical items, food items, non-covered medicines etc.
Upon final settlement of the bill, the excess deposited amount (if any) would be refunded to your bank account or you may have to deposit more money to us if the amount is less than your non-payables.

7. What would happen if I forget to ask for the cashless facility to GLIL in time & knock them at the time of discharge?

Ans: We highly discourage this type of very late communication. Because, you have to wait for hours till the procedures from our end is completed. In worst case scenario, even we may not be able to provide you the cashless facility.

8. While enjoying cashless facility for a particular disease or disability, should I perform consultation & tests for my other body parts? Such as, I got admitted for gall bladder operation, should I perform my neurological, kidney, eye etc. checkups?

Ans: Insurance covers only the disability for which you are admitted & general checkup is not covered. We would cover the consequence of the disability/disease for which you are admitted into hospital. But non-relevant tests or consultation or medications with the admission cause have to be borne by you & you have to deposit this excess amount at the time of discharge

9. What is the claim procedure & your official address?

Ans: After treatment, you will have to collect the claim form from our website/ your office and fill it up properly with necessary documents and submit it to GLIL. You can send your claim through courier or deposit it to your HR if our messenger use to pick up claims from your office.
Our address is: Guardian Life Insurance Limited. Police Plaza – Concord, Tower-2, Plot-2, Road-144, Gulshan Avenue, Dhaka -1212. Call Center :16622 . Web:  www.guardianlife.com.bd

10. From where can I get the claim form?

Ans: You can download the claim form from our website: https://www.guardianlife.com.bd/
or you can collect it from your HR Department.

11. What are the documents I need to submit with my claim along with the claim form?

Ans:

OPD Claims:

  1. Original Money Receipts of Doctor’s fee, Medicines bill & Investigations/Tests cost.
  2. Photocopy of Prescription & test reports.

 

IPD Claims:

  1. Prescription containing Doctor’s Advice for hospitalization
  2. Original Money Receipts of Hospital Bills, Medicine Bills or any other Bills.
  3. Photocopy of Hospital Discharge Certificate, Test reports & other relevant treatment records.

Group Death Claims:

  1. Certificate from the organization stating that deceased …. was in employment with their organization till death.
  2. Photocopy of Death Certificate, NID & medical documents.
  3. Photocopy of FIR, GD, Inquest and postmortem report (in case of accidental death)

12. How I can know whether you received my claim or not? Or for any other query, where should I knock?

Ans. Please make a call to our call center 16622.

13 What is OCS?

Ans: Online Claim Submission (OCS) module has been designed in such a way, that will help our group customers to submit claims (IPD/OPD/Death) online anytime, anywhere. Using any laptop, desktop or mobile device all group customers will be able to submit their claims which will reach your assigned HR personnel for authorization. After authorization from your HR, the claim will reach Guardian Life for settlement.

14. How can I submit claim through OCS?

Ans: Please go to any of the below links or install My Guardian app from google play store.

OCS Portal (URL: http://ocs.myguardianbd.com/

MyGuardian Portal (URL: http://myguardianbd.com/)

 

  • Step 1 : Click ‘Make a claim’ button on the menu of MyGuardian portal or directly access to OCS Portal http://ocs.myguardianbd.com/ using laptop, desktop or mobile
  • Step 2: Fill in all self-explanatory fields in the OCS portal and submit necessary claim documents
  • Step 3: Followed by successful submission, you will receive an SMS and your Organization HR will receive an email.
  • Step 4: Using MyGuardian portal, your Organization HR will approve the claim and forward to Guardian Life claims department for processing
  • Step 5: GLIL claims department will cross check all information & documents and finally process the claim

15. What is the policy holder’s ID number?

Ans: Policy holder ID number means the PIN/ Member ID/ Staff ID.

16. How I’ll know whether you have received my claim sent through OCS or not?

Ans: We generally send acknowledgement SMS immediately after your submission of the claim through OCS. You will get the SMS if your mobile number is updated in our portal. Our claims department will receive your claim only after getting approval of your HR. In case of unusual delay, you may contact your HR for knowing the approval status of your claim. If approved by your HR, you can call 16622 to know the current status of your claim

17. Will I get insurance coverage if I get infected with COVID-19?

Ans: Yes, you will get coverage as per your benefit schedule & limits. If you are under OPD coverage, you will get Doctor’s consultancy fee, investigation & medicine cost as per your limits. In IPD (Hospitalization) also, you will be covered as per your benefit schedule & limits.

18. My bill has been regretted. What should I do?

Ans: As per the policy, our decision is considered to be final in case of regretting the bills.
And we communicate to respective HR through email mentioning the cause of regret. To know more about it please communicate with your HR.

19. Do GLIL covers overseas treatment cost?

Ans: Yes, GLIL pays overseas treatment cost. But the payment is based on standard treatment cost in Bangladeshi corporate hospitals & as per your benefit schedule or limits.

20. Can I check my claim settlement details by myself?

Ans: Yes you can check the status of your last 3 claims settlement through the below link:
http://myguardianbd.com/

21. How can I update my Portal? (Brac NGO employees only)

Ans: We don’t have access to Brac portal. Please update Brac portal with appropriate information with the help of your HR. Upon completion of updating, please notify GLIL’s servicing department for further procedure & updating your membership info from our end.

22. What is pending for GoP issue? Why my claim is pending for this issue?

Ans: As you enjoyed cashless hospitalization and the hospital bill is not send to us by the hospital yet, so this issue aroused. Before settling the hospital bill, we cannot measure your remaining limits under different heads. So, your further claim remains pending. This pending claim will automatically be settled without your further knocking as soon as the hospital bill will be settled.

FormsDownload
Critical Illness-MDB Claim Form
Death Claim Form
Health Insurance Claim Form
PPD-PTD Claim Form
  

To make online claim please visit  Guardian Online Claim Submission portal. Click Here to visit

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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.

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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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To install, search “MyGuardian” in Play Store or follow the link:

https://play.google.com/store/apps/details?id=com.guardianlifeinsurance.myguardian

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