Core Exclusions:                                

1. All claims must be raised within 30 days of incident
2. One can avail a maximum CI Coverage of Five Lakh Taka (BDT 500,000) but CI benefits shall be offered only once during the lifetime of a single individual
3. Life coverage will start immediately after purchase 
4. Waiting period of 180 days from date of registration, for which period no critical illness claim shall be entertained
5. Death due to any cause other than Suicide/HIV-AIDS is covered under Life Insurance
6. This is a non-refundable product

General Exclusions:                          

• All pre-existing disease related to all types of coverage of the policy
• Any Congenital Disease
• Attempted suicide or intentional self-inflicted injury by the Assured
• Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony
• Addiction to alcohol or drugs
• Diseases in the presence of any HIV infection
• One can avail a maximum life coverage of Five Lakh Taka (BDT 500,000)
• Specific exclusions mentioned under Critical Illness  
• "Pre-existing Conditions (PEC)’’ Shall mean any injury, sickness, disease or physical condition which
• has existed before the date of Commencement in respect of the Assured and
• has received medical advice or treatment within last twenty-four months immediately prior to the Date of Commencement or
• has manifested signs or symptoms of which the Assured is aware or should have reasonably been aware of.