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    Guardian Shield

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    Guardian Shield is a term life insurance plan that will ensure the current and future financial security of your family easily at a nominal premium. Guardian Shield mitigates hardships and financial needs of dependents on account of death or permanent disability of the policyholder. It offers significantly lower premium rates compared to endowment insurance products where sum assured is payable on death or total & permanent disability due to sickness or accident. This policy acts as an easy & access point for availing the rider benefits like Health Insurance & Critical Illness coverage.

    Why Guardian Shield?

    1. BDT 1 Lac (up to 1 Crore) life coverage at only annual BDT 203
    2. Health Insurance coverage (BDT 50K – 5 Lac) with Cashless facility
    3. Up to BDT 10 Lac critical illness coverage for 18 major diseases
    4. Online premium payment, online claim submission and tax rebate facility
    1. Insurance benefits: Full sum assured payable in case of death and permanent disability
    2. Entry age: 18-60 years
    3. Maximum maturity age: 70 years
    4. Premium payment mode: Single or regular (yearly) via MyGuardian app, Bkash, Rocket, Nagad or Online Banking
    5. Coverage range: BDT 1 lac - BDT 1 Crore upon death or total & permanent disability (TPD in-built)
    6. Policy term: 3-25 years
    7. Availability: Only direct sales through agents / associates
    8. Health Insurance coverage range: BDT 50,000 – BDT 500,000
    9. Critical Illness coverage range: 50% of Sum Assured (up to BDT 10 Lac)
    10. Surrender value/loan: Not available
    11. Stamp fee needs to be submitted with first premium payment which is applicable for only the first year
    12. Underwriting will be performed according to company policies and re-insurance agreement

    Supplementary Health Insurance Benefits

    1. If any customer gets admitted into hospital as advised by doctor due to sickness or accidental injuries, he/she will get below benefits:
      1. Cabin/bed fee
      2. ICU/CCU/HDU charge
      3. Doctor consultation fee, doctor test fees, medicine costs, surgical charge etc.
    2. Coverage: BDT 50,000 – BDT 500,000 (50% of sum assured)
    3. Entry age: 18-55 years (no more than 65 years old at maturity)
    4. Waiting period for consideration: First 30 days (except accidental treatment)
    5. Countrywide 345+ partner hospitals and diagnostic centers
    6. Special discount on medical tests/treatment with Guardian Life Health Card

    Supplementary Critical Illness Benefits

    1. Critical Illness is a special supplementary insurance to provide financial support and protection in the event of a customer is diagnosed to have one of the diseases mentioned below, but not until at least three months have been elapsed since the commencement. Covering 18 major diseases - that are mentioned as follows:
      1. Cancer
      2. Heart Attack (Myocardial Infarction)
      3. Coronary Artery (Bypass) Surgery
      4. Stroke
      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
    2. Coverage: Up to BDT 10 Lac (50% of Sum Assured)
    3. Entry age: 18-55 years
    4. Waiting period for consideration: 180 Days
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