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, death or other hospital cares such as maternity related facilities.

The Group Insurance is a comprehensive coverage that can be offered to employees and the plan can be customized as per the need of the group. The employer can offer their group members either uniform cover or varied cover. Benefits are not only for insured, but also for their dependents such as spouse, children, and parents as well. Group insurance is appropriate for all kinds of small and large organizations having at least 10 employees such as associations, banks, financial institutions etc. to provide a systematic financial security for the employees that work as a motivational tool which leades to higher employee retention and productivity.

Death Benefits (Natural/Accidental Death, Permanent Total/Partial Disability).

Critical Illness Benefit – covering 18 major diseases. (Please refer below)

IPD Benefits (Hospitalization Benefits).

OPD Benefits (Out Patient Department Benefits).

Maternity Benefits.

OPD Dental Benefits

OPD Optical Benefits

Guardian Life is backed up by very renowned and very trusted business houses in Bangladesh viz., Apex, BRAC & Square Group.

Large group insurance portfolio in the country.

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

Easy Claim Submission: We will be sending someone to the particular organization to collect all claim related document..

Claim Tracking System: You will receive SMS confirmation on claim intimation and settlement stages. From our designated web portal clients can see their current claim’s status easily and also information regarding his/her last three settled claim.

Cashless treatment facilities. It is under hospitalization coverage in our registered hospitals.

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

Group Term Life

The more financial security employee has, the more motivated they remain. Through group term insurance an organization can mitigate the level of uncertainty of their employees and for that employees become more loyal to the organization when they get financial supports in time of their needs from the organization they work for. Conversely an employer/organization feels better when they can stand beside their employees through group term insurance providing a sense of good governance in the organization.

If an insured member dies (except suicidal death, in first year of coverage of a member and HIV/AIDS-related diseases), Guardian Life Insurance upon receipt of written proof of such death due to sickness or accident, will pay the organization the sum insured in respect of the said insured member within 7 days.

Critical Illness Benefit

Critical Illness is a special supplementary scheme designed for employees 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 three months have been elapsed since the commencement. The coverage amount is provided upon being diagnosed with the following 18 critical diseases.

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. Loss of Limbs.

10.Blindness/ Loss of Sight

11. Heart Valve Replacement

12. Surgery of Aorta

13. Aplastic Anemia

14. Benign Brain Tumor

15. Chronic Lung Disease/End Stage Lung Disease

16. Deafness/Loss of Hearing

17. Major Head Trauma

18. Loss of Speech

Group Medical Insurance Plan

Nowadays to lead a healthy life is very 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 an 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. Hospitalization benefit coverages are given on following categories:


  • 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 appliances 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 for the expenses that 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 pregnancy. Maternity benefit coverages are given on following categories:

  • Normal delivery
  • Caesarean/Ectopic/Extra-uterine pregnancy
  • Legal abortion or miscarriage

  • 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 7 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.
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 be paid to the employer as per 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:

Sl No. Description of injury % of loss earing capacity
1. Loss of both hands or amputation from higher parts 100
2. Loss of 1 (one) hand and one leg 100
3. Loss of sight of both eyes to such an extent as to render the claimant unable to perform any work for which eye-sight is essential 100
4. Amputation of both legs or thighs, or amputation of one leg or thigh and loss of any leg 100
5. Severe facial disfigurement 100
6. Absolute deafness 100
Amputation cases-upper limbs (either arm)
7. Amputation up to shoulder joint 80
8. Amputation below shoulder with stump less than 20 centimeters from tip of acromion. 70
9. Amputation from 20 centimeters from tip of acromion to less than 11 centimeters below tip of olecranon 60
10. Loss of a hand or of the thumb and four fingers of one hand or amputation from 20 centimeters below tip of olecranon 60
11. Loss of thumb 30
12. Loss of thumb and its metacarpal bone 30
13. Loss of 4 (four) fingers of 1 (one) hand 50
14. Loss of 3 (three) fingers of 1 (one) hand 30
15. Loss of 2 (two) fingers of 1 (one) hand 20
16. Loss of terminal phalanx of thumb 10
Amputation cases-lower limbs
17. Amputation of both feet 90
18. Amputation through both feet proximal to the metatarsophalangeal joint 80
19. Loss of all toes of both feet through the metatarsophalangeal joint 40
20. Loss of all toes of both feet from proximal to the proximal inter- phalangeal joint 30
21. Loss of all toes of both feet from distal to the proximal inter- phalangeal joint 20
22. Amputation from lower part of the hip 90
23. Amputation from lower part of the hip with stump exceeding 12.5 centimeters measured from tip of great trochanter, but not beyond middle thigh 80
24. Amputation from lower part of the hip with stump not exceeding 12.5 centimeters measured from tip of great trochanter 70
25. Amputation from middle thigh to 9 centimeters below knee 60
26. Amputation below knee with stump exceeding 9 centimeters but not exceeding 12.5 centimeters 50
27. Amputation below knee with stump exceeding 12.5 centimeters 40
28. Amputation of 1 (one) foot resulting in end-bearing 30
29. Amputation of one foot from proximal to the metatarso-phalangeal joint 30
30. Loss of all toes of 1 (one) foot through the metatarso-phalangeal joint 20
Other injuries
31. Loss of 1 (one) eye, without any complications, the other being normal 40
32. Loss of vision of 1 (one) eye, without any complications or disfigurement of eye-ball, the other being normal 30
Loss of fingers of right or left hand (Index finger)
33. Whole 14
34. 2 (two) phalanges 11
35. 1 (one) phalanx of finger 9
36. Guillotine amputation of tip without loss of bone 5
(Middle finger)
37. Whole 12
38. 2 (two) phalanges 9
39. 1 (one) phalanx 7
40. Guillotine amputation of tip without loss of bone 5
(Ring or little finger)
41. Whole 7
42. 2 (two) phalanges 6
43. 1 (one) phalanx 5
44. Guillotine amputation of tip without loss of bone 5
Toes of right or left foot (great toe)
45. Through metatarsophalangeal joint 10
46. Part, with some loss of bone 3
(Any other toe)
47. Through metatarsophalangeal joint 3
48. Part, with some loss of bone 2
2 (two) toes of one foot excluding great toe
49. Through metatarso-phalangeal joint 5
50. Part, with some loss of bone 2
3 (three) toes of 1 (one) foot, excluding great toe
51. Through metatarso-phalangeal joint 6
52. Part, with some loss of bone 3
4 (four) toes of 1 (one) foot, excluding great toe
53. Through metatarso-phalangeal joint 9
54. Part, with some loss of bone 5

 

Permanent disabilities that are 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 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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