Bangladesh Health Insurance for Expats

International Health Insurance for Expats in Bangladesh

Expats should purchase international health insurance for their time in Bangladesh to protect themselves and their loved ones against unexpected illness or injury. Owning a private health insurance plan also can grant expats access to higher-quality medical care in Bangladesh.

Are you an expat planning to move to or visit Bangladesh? If so, you’ll likely want to know the best way to protect your health while in the country. This article from Pacific Prime will help you understand your medical insurance options and more.

We’ll discuss the top international health insurance providers for Bangladesh and share highlights of their plans. We will also discuss the country’s healthcare system and other important facts. Keep reading to learn more!

Recommended International Health Insurance Plans for Expatriates Living in Bangladesh

Global Health Insurance in Bangladesh

Expats can purchase international health insurance for their time in Bangladesh to grant them access to a worldwide network of providers and for important financial protection. Without a comprehensive health insurance plan, expats can be left paying medical bills completely on their own.

International health insurance comes with many important healthcare benefits, with one of them being medical evacuation coverage. This benefit covers the cost of transportation during an emergency to the closest adequate healthcare facility.

Because of Bangladesh’s poor access to adequate medical care in rural areas, expats may have to be taken to neighboring countries to receive emergency medical care. This can quickly become expensive, which makes medical evacuation coverage a necessity.

The Healthcare System in Bangladesh

Under the Bangladeshi constitution, all citizens are entitled to receive basic healthcare services, but basic healthcare infrastructure throughout Bangladesh remains poor. Medical facilities are mainly limited to the major cities with almost no provision of healthcare services found in the countryside.

In addition to the lack of basic medical facilities throughout the country, there is a major concern in Bangladesh regarding communicable diseases. This is mostly due to the country's location and the prevalence of severe floods during the monsoon season.

Even though there is progress in some areas, the provision of healthcare in the country is still lower than expected. Most hospitals and clinics are unable to provide any care outside of emergency treatment. Additionally, many Bangladeshi medical facilities expect cash payment prior to treatment.

Health Insurance Options in Bangladesh for Expats

Expats in Bangladesh have the option of purchasing private health insurance through international health insurance or domestic health insurance providers. International health insurance is the most popular choice with expats, due to its global portability.

Plans can be tailored to include a number of coverage benefits, which can include maternity insurance and dental protection, outpatient treatment, specialist consultations, alternative therapies, complementary medicine, and emergency evacuation coverage.

Bangladesh expat health insurance policies are typically globally portable and guaranteed renewable for life, giving you the assurance that no matter what happens, anywhere in the world, you will have the coverage that you deserve.

Best Private Insurance Providers for Expats in Bangladesh

The best private international health insurance providers for expats in Bangladesh include Cigna Global, Allianz Care, and Bupa Global. We will highlight each of these providers' plans below, or you can click here to begin comparing plans directly.

Cigna Global Health Insurance Plans for Bangladesh

Cigna provides flexible insurance plans to expats in Bangladesh and across the world. They offer their members 24/7 access to a customer care team and access to any of Bangladesh’s private hospitals and healthcare systems. Their plans are customizable and comprehensive.

Cigna has a Silver, Gold, and Platinum plan with different levels of coverage. All three of these plans share several common key coverage benefits:

• Hospitalization
• Inpatient and day-patient treatments
• Cancer treatments
• Physiotherapy
• Accidental death or total permanent disability compensation

Some additional coverage that can be added to these plans are:

• Dental and vision benefits
• Evacuation and Crisis Assistance Plus™
• Outpatient services
• Health and wellbeing services

Cigna offers their Close Care plan as well, which offers basic medical coverage and geographical coverage in Bangladesh and the policyholder’s home country.

Allianz Care Health Insurance Plans for Bangladesh

Allianz offers comprehensive insurance plans in Bangladesh to fit a variety of expats’ and their family’s needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad.

Some of the basic coverage for their plans includes:

AXA International Health Insurance Plans for Bangladesh

AXA international health insurance is another excellent option for expats in Bangladesh. Their plans have a range of coverage levels and different customization options.

Some examples of coverage under AXA insurance plans are:

Facts to Consider when Picking Insurance in Bangladesh

When choosing an insurance plan in Bangladesh, expats should consider what their healthcare coverage needs are, their budget, and the length of their trip. By considering these factors carefully, expats can feel more confident in their choice of private health insurance plan in Bangladesh.

• Assess Your Healthcare Coverage Needs: Do you plan on visiting the doctor frequently? Take the time to determine where you may need additional medical support to ensure that you have the right coverage for your health needs.
• Consider Your Budget: Your budget will determine how much you can afford in coverage, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
• Determine the Length of Your Trip: The length of your trip will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive like an international health insurance plan.

Bangladesh Safety and Travel Tips for Expats

Expats can stay safe while in Bangladesh by staying aware of their surroundings in public areas, avoiding unsafe water, and more. We will discuss these safety and health tips in further detail below.

• Political Violence: Due to the country’s history of terrorist activity, the government advises foreign nationals to avoid large gatherings, including demonstrations and protests, and unescorted travel in rural areas. In the event of a riot, stay indoors and follow all government directions.
• Crime: Bangladesh is normally safe, and serious crime is not a problem for most tourists. However, crimes such as mugging and armed robbery can occur, so it’s best to avoid poorly lit areas and public transport if you are on your own.
• Avoid Unsafe Water: Expats are encouraged to avoid swimming in Bangladesh’s fresh water, as it can be contaminated with waterborne diseases and make them seriously ill.

Conclusion: Compare Plans and Quotes Now for Bangladesh

Expats can compare plans and quotes for Bangladesh by contacting an experienced insurance broker like Pacific Prime. We can help you find the right choice of health insurance policy for your time in Bangladesh and abroad.

If you’d like to compare quotes on your own, check out our link here to get started today!