Health insurance is becoming more important every day, especially as healthcare costs rise. At Bangladesh Health Alliance (BHA), we want to help you understand how to choose the best health insurance in Bangladesh that suits your needs and your budget. In this guide, we’ll explain why health insurance matters and what options are available to you.
What is Health Insurance?
Health insurance helps cover your medical costs if you get sick, need surgery, or require any other medical treatment. It gives you financial protection and ensures you get the care you need without worrying about high bills.
If you have health insurance, it can help cover your expenses for:
- Hospital stays
- Surgeries
- Doctor visits
- Medicines and more
Having health insurance means that if you or your family faces a medical emergency, you won’t have to worry about the financial burden.
Why Health Insurance is Important in Bangladesh
Medical costs in Bangladesh can be quite high, especially if you need treatment in private hospitals. Without insurance, a serious illness or surgery can be very expensive. Health insurance can:
- Protect you from high medical bills.
- Help you get better care at private hospitals.
- Provide cashless services at network hospitals, meaning you won’t have to pay upfront.
We believe everyone should have some form of health insurance to stay protected from unexpected medical expenses.
How to Choose the Best Health Insurance in Bangladesh
Health Insurance Cost in Bangladesh
The cost of health insurance is one of the most important factors when deciding which plan to choose. Health insurance costs in Bangladesh depend on several things:
- Age: Younger people usually pay less.
- Type of Coverage: More coverage, like outpatient care or maternity benefits, will cost more.
- Medical History: If you have existing health issues, you may need to pay more.
When choosing a plan, it’s important to compare prices from different companies. Look for a plan that offers the coverage you need without being too expensive.
Best Health Insurance Companies in Bangladesh
We’ve researched and found some of the best health insurance companies in Bangladesh. Here’s a list of the top options:
Green Delta Insurance
Green Delta Insurance is one of Bangladesh’s largest non-life insurance providers, established in 1985. It’s renowned for offering comprehensive and flexible health insurance options tailored to both individuals and families. Their products cover a wide range of healthcare needs, including hospitalization, surgeries, and outpatient care. They also provide cashless services at numerous network hospitals across Bangladesh.
Health Insurance Plans:
Shurokkha All Rounder:
- Premium: BDT 334 per year
- Coverage: Up to BDT 20,000 for hospitalizations, surgeries, and outpatient treatments.
- Additional Benefits: OPD (Outpatient Department) services cover consultation fees, diagnostic tests, and medications, with a limit of BDT 2,000.
Shurokkha 365:
- Premium: BDT 235 per year
- Coverage: Provides up to BDT 100,000 per person per year for accidents, diseases, and COVID-19-related hospitalizations.
- Health Cashback: BDT 1,000/night for up to 5 nights per episode for hospital stays.
Why Choose Green Delta?
- One of the most reliable insurance companies with a long history of customer satisfaction.
- Comprehensive plans that suit both individuals and families.
- Digital solutions via the InsuMama App, allowing customers to easily manage policies and make payments.
- Comprehensive Health Coverage at an Affordable Price
- Green Delta’s Cashless Hospitalization Network
Contact Information:
- Phone: 16457 or +8809613444888
- Website: Green Delta Insurance
- Address: Green Delta AIMS Tower, 51-52 Mohakhali, Dhaka 1212, Bangladesh
Pragati Life Insurance
Pragati Life Insurance is one of the most respected life and health insurance providers in Bangladesh. The company offers a range of customizable health insurance plans, from individual coverage to corporate group plans. They are especially known for their commitment to providing reliable services with a focus on hospitalization and maternity benefits.
Health Insurance Plans:
- Individual Plans: Cover hospitalization, surgeries, outpatient treatments, and diagnostic tests.
- Corporate Group Plans: Tailored for businesses, offering employees comprehensive health coverage with flexibility to suit different organizational needs.
- Maternity Benefits: Pragati Life also offers plans with maternity care, making it a popular choice for families.
Why Choose Pragati Life?
- Wide range of customization options for both individual and corporate plans.
- Comprehensive coverage, including surgical and maternity care.
- Strong corporate insurance reputation with a dedicated service team.
- Customized Health Plans for Individuals and Corporates
- Pragati Life’s Comprehensive Maternity Coverage
- Affordable Health Insurance with Pragati Life
Contact Information:
- Phone: +8802-9564472
- Website: Pragati Life Insurance
- Address: Pragati Insurance Building, 20-21 Kawran Bazar, Dhaka
MetLife Bangladesh
MetLife is a global leader in insurance and offers a wide range of health insurance policies in Bangladesh. MetLife’s health insurance plans provide coverage for critical illnesses, hospitalization, surgeries, and even international health services. It’s especially popular among expatriates and frequent travelers for its global coverage options.
Health Insurance Plans:
Hospitalization Insurance:
- Coverage: From BDT 50,000 to BDT 300,000 per year, depending on the policy.
- Benefits: Covers hospital stays, surgeries, ICU services, and post-operative care.
Critical Illness Insurance:
- Coverage for life-threatening conditions like cancer, heart disease, and stroke.
- Payout options that help with medical bills and other expenses related to the treatment of critical illnesses.
Why Choose MetLife?
- Global coverage, which is ideal for expatriates and frequent travelers.
- High coverage limits for serious medical conditions and hospitalizations.
- Trusted worldwide for customer service and comprehensive protection.
- MetLife’s Comprehensive Critical Illness Coverage
- High-Coverage Plans for Hospitalization and Surgery
Contact Information:
- Phone: 16340
- Website: MetLife Bangladesh
- Address: MetLife Building, 18-20 Motijheel, Dhaka
Delta Life Insurance
Delta Life Insurance is a pioneer in micro-insurance in Bangladesh, making health insurance more affordable for low-income families. Their health plans offer a range of coverage, from hospitalization to maternity services. Delta Life’s health insurance products are often available as add-ons to their life insurance policies, ensuring cost-effective yet comprehensive protection.
Health Insurance Plans:
Hospitalization Coverage:
- Maximum cover limit: BDT 50,000 to BDT 75,000 per year.
- Covers hospital stays, surgeries, and maternity services.
Additional Benefits: Post-operative care, skilled nursing services, and oxygen therapy.
Why Choose Delta Life?
- Affordable plans for individuals and families, especially in rural and low-income areas.
- Pioneer in micro-insurance, ensuring coverage for even the most basic healthcare needs.
- Maternity and hospitalization coverage at lower premiums.
- Affordable Micro-Insurance with Delta Life
- Comprehensive Health and Maternity Coverage at Low Premiums
- Delta Life’s Accessible Health Insurance Plans for Rural Families
Contact Information:
- Phone: +8802-9561116
- Website: Delta Life Insurance
- Address: Delta Life Tower, Gulshan Avenue, Dhaka
Popular Life Insurance
Popular Life Insurance offers a variety of health insurance policies that balance affordability with comprehensive coverage. Their policies cater to individuals, families, and businesses, covering everything from routine doctor visits to major surgeries and critical illnesses. Popular Life is particularly noted for its seamless claims processing and responsive customer support.
Health Insurance Plans:
Comprehensive Health Plans:
- Covers hospital stays, surgeries, and critical illnesses.
- Includes maternity benefits and outpatient services.
Affordable Premiums: Designed to provide extensive coverage at lower rates, making it accessible for families.
Why Choose Popular Life?
- Excellent customer service with fast and easy claims processing.
- Comprehensive coverage that includes critical illness and maternity benefits.
- Ideal for families looking for dependable, affordable health insurance.
- Seamless Claims Process with Popular Life
- Comprehensive Family Health Insurance at Affordable Premiums
- Popular Life’s Extensive Maternity and Critical Illness Coverage
Contact Information:
- Phone: +8802-8189265
- Website: Popular Life Insurance
- Address: Popular Tower, 17 Karwan Bazar, Dhaka
Each of these companies has its strengths, so it’s important to choose the one that best fits your needs and budget.
Health Insurance Comparison Table
| Company | Premium (Yearly) | Coverage | Special Features | Contact |
|---|---|---|---|---|
| Green Delta Insurance | BDT 334 – BDT 235 | BDT 20,000 – BDT 100,000 | Cashless hospital services, COVID-19 cashback | 16457, +8809613444888 |
| Pragati Life Insurance | Varies (Based on customization) | Customizable | Strong corporate plans, Maternity benefits | +8802-9564472 |
| MetLife Bangladesh | BDT 50,000 – BDT 300,000 | BDT 50,000 – BDT 300,000 | Global coverage, Critical illness insurance | 16340 |
| Delta Life Insurance | BDT 50,000 – BDT 75,000 | BDT 50,000 – BDT 75,000 | Micro-insurance pioneer, Low-cost premiums | +8802-9561116 |
| Popular Life Insurance | Affordable, varies based on coverage | Comprehensive coverage for families | Easy claims process, Critical illness and maternity cover | +8802-8189265 |
International Health Insurance in Bangladesh
For expatriates or people who travel a lot, international health insurance is a good option. It covers medical expenses both inside Bangladesh and abroad. This is especially useful for those who need medical care in other countries.
Some of the top options for international health insurance include:
- MetLife Bangladesh – Provides global health insurance, allowing access to medical care in other countries.
- Cigna Global – Popular for expatriates who need health insurance worldwide.
- Aetna – Offers flexible plans for international coverage.
Though international health insurance may cost more, it offers peace of mind, especially for those who need medical services outside Bangladesh.
Health Insurance Costs in Bangladesh
Understanding the cost of health insurance in Bangladesh will help you choose the right plan. On average, health insurance premiums in Bangladesh range from BDT 5,000 to BDT 50,000 per year, depending on:
- Your age: Younger people usually get lower premiums.
- The coverage: Basic hospitalization plans are cheaper than plans that cover outpatient visits, maternity care, and critical illnesses.
- Additional benefits: If you add extras like critical illness or accident coverage, the premium will increase.
The key is to find a balance between what you can afford and the coverage you need.
FAQs About Health Insurance in Bangladesh
Which is the best insurance company in Bangladesh?
There are several good insurance companies in Bangladesh, but the top ones include Green Delta Insurance, MetLife Bangladesh, and Pragati Life Insurance. These companies offer good coverage, reasonable pricing, and are known for easy claim processes.
What are the top 3 health insurance companies in Bangladesh?
The top 3 health insurance companies in Bangladesh are:
- Green Delta Insurance – Offers excellent coverage and cashless treatment at many hospitals.
- MetLife Bangladesh – Provides health insurance that works both in Bangladesh and abroad.
- Pragati Life Insurance – Popular for both personal and business health insurance plans.
Which health insurance is rated the highest in Bangladesh?
MetLife Bangladesh is one of the most highly rated health insurance companies because of its international coverage and flexible plans. It’s a popular choice for people who travel or need insurance outside of Bangladesh.
What is health insurance in Bangladesh?
Health insurance helps you pay for medical expenses, like hospital stays, surgeries, and doctor visits. In Bangladesh, health insurance can cover basic things like hospitalization or more extensive needs, such as maternity care and treatment for serious illnesses.
What are the top 10 best health insurance companies in Bangladesh?
Here are the top 10 health insurance companies in Bangladesh:
- Green Delta Insurance
- Pragati Life Insurance
- MetLife Bangladesh
- Delta Life Insurance
- Popular Life Insurance
- Asia Insurance Limited
- Jiban Bima Corporation
- Meghna Life Insurance
- Sandhani Life Insurance
- National Life Insurance Company Ltd.
Does the government provide health insurance in Bangladesh?
Currently, Bangladesh does not have a full government health insurance program for everyone. However, there are some government-run programs being developed to help low-income families get basic healthcare.
What is the best health insurance for families in Bangladesh?
If you are looking for health insurance for your whole family, Green Delta Insurance and MetLife Bangladesh offer great family plans. These plans can cover medical expenses for all family members, including maternity care and children’s healthcare, at an affordable cost.
How do I get health insurance for a Schengen visa in Bangladesh?
If you need health insurance for a Schengen visa, it’s required to have coverage for at least €30,000 in medical expenses. Companies like MetLife Bangladesh and Cigna Global offer health insurance plans that meet the requirements for the Schengen visa and cover you in any Schengen country.
Bangladesh Health Alliance Can Help You Choose the Right Plan
At Bangladesh Health Alliance (BHA), we’re here to guide you through the process of choosing the best health insurance plan. Whether you need basic health coverage or a more comprehensive plan for your family, we’re here to provide the information and advice you need.
Choosing the right health insurance can help protect your health and finances, so make sure to compare different plans and pick the one that works best for you.
