Claims

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.

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.

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

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.

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.

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.

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

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

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

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)

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

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.

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

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

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

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.

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.

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.

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

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.

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.