Who is covered
Programme beneficiaries enrolled through SWAPNO or TCCF. An Insurance ID is assigned when a package is allocated, not at the moment of registration.
Enrolment
TCCF facility
Annual benefit schedule
The Micro Health and Life Insurance Facility is underwritten by Pragati Life Insurance PLC. These are the annual ceilings for the TCCF facility, from 10 December 2025 to 30 September 2027. Contract value BDT 10,373,000.
Annual ceilings
| Benefit | Annual coverage | Key conditions |
|---|---|---|
| Life insurance | BDT 50,000 | Death from covered causes, subject to exclusions |
| Inpatient hospitalisation (IPD) | BDT 30,000 | BDT 1,000 per night; minimum 24-hour continuous stay |
| Accidental hospitalisation | BDT 20,000 | Payable per the approved accidental-injury schedule |
| Outpatient care (OPD) | BDT 3,000 | Consultation, diagnostics, and prescribed medicines |
How a claim is paid
Settlement window
Complete, properly documented claims target settlement within 14 working days. Incomplete files stay in documents-required until the holder or partner resubmits.
14 working days
Cashless or reimbursement
Network facilities can be cashless. Treatment outside the network is reimbursed against prescriptions, bills, and identity documents.
Both paths
Benefit amounts are the TCCF facility terms in the IMP system overview. They are not a retail quotation.