Hospital bills
Money back after a hospital stay
Pay the hospital as usual, then claim the covered amount. The insurer pays it to your bKash, Nagad, Rocket or bank account.
A YEAR OF SUPPORT. ONE CARD.
A little more peace of mind.
All year long.
এক কার্ডে সারা বছরের সুরক্ষা
ONE Card is a yearly health card for Bangladesh: money back on hospital bills, cover for your household and savings when you travel. Six cards, from ৳1,000 a year.
Find ONE Card through ExploreGlobal agents across all 64 districts.
Six cards৳1,000 to ৳15,000 a year
365 days of coverFrom the day you pay
Zenith Islami LifeOur insurer, regulated by IDRA
All 64 districtsAgents across Bangladesh
EVERYDAY LIFE, BETTER SUPPORTED
For your health.
And everything around it.
Hospital and outpatient cover, life cover for the card holder, your family on the same card, and discounts at partner shops.
Your household
Cover for the whole family
From the Standard card up, your spouse is covered too; Premium and Family add your children, Platinum your parents. Each gets a card number of their own.
Discounts
Discounts, at home and away
Show your card at partner pharmacies, diagnostic centres, shops, restaurants, hotels and ticket counters: up to 40% off medicine and tests.
On every card, from General to Platinum
Loyalty points at partner stores
Show your ONE Card when you shop at our partner merchant stores and earn loyalty points on what you spend. The virtual card in the app works too, from the day your card starts.
WHY ONE CARD
Your health, our priority.
What a ONE Card does for you, without the small print.
- 01
Hospital bills, claimed from your phone
Pay the hospital as usual, then send the bill and the discharge summary from the app. Hospital cover runs from ৳15,000 a year on General to ৳1,00,000 on Platinum.
- 02
Your claim, handled first
On the Standard, Premium, Family and Platinum cards, claims go to the front of our queue.
- 03
Your family on the same card
Your spouse from the Standard card up, your children on Premium and Family, and your parents too on Platinum.
- 04
One fair price
From ৳1,000 a year. The same from every agent and from us, and the same again when you renew.
FIND YOUR ONE
Your year. Your card.
Six cards. Each one lasts 365 days and renews at the same price, with the insurance premium included. Every benefit has its own limit for the year.
For one person
General
Just you
৳1,000 a year
৳15,000 hospital cover a year
- Life cover: ৳30,000 for accidental death
- Discounts at partner shops
- Virtual card at once, printed card to follow
Basic
Just you
৳2,000 a year
৳20,000 hospital cover a year
- Outpatient treatment up to ৳500
- Life cover: ৳1,00,000 for accidental death
- Discounts at partner shops
Not sure which?
An ExploreGlobal agent can go through the cards with you, or you can write to us. The price of each card is the same from every agent and from us.
For couples and families
Standard
You and your spouse
৳4,000 a year
৳25,000 hospital cover a year
- Outpatient treatment up to ৳1,000
- Serious illness treatment up to ৳50,000
- Life cover: ৳2,00,000 for accidental death
Premium
You, your spouse and a child
৳5,000 a year
৳50,000 hospital cover a year
- Maternity up to ৳10,000
- Serious illness treatment up to ৳50,000
- Student award and stipend for your child
Family
You, your spouse and two children
৳9,000 a year
৳75,000 hospital cover a year
- Maternity up to ৳15,000
- Serious illness treatment up to ৳1,00,000
- Life cover: ৳4,00,000 for accidental death
Platinum
You, your spouse, two children and your parents
৳15,000 a year
৳1,00,000 hospital cover a year
- Spouse’s serious illness up to ৳50,000
- Serious illness treatment up to ৳1,25,000
- Life cover: ৳5,00,000 for accidental death
Each benefit has its own limit for the card’s 365 days, and an approved claim reduces that benefit only. What is left does not carry over when you renew. Life cover is for the card holder. See every benefit of every card.
EVERY BENEFIT, EVERY CARD
What each card covers.
The limits for one card year, in taka, as set by our insurer, Zenith Islami Life Insurance PLC. Health cover is for everyone on the card; life cover is for the card holder.
| Benefit | General৳1,000 a year | Basic৳2,000 a year | Standard৳4,000 a year | Premium৳5,000 a year | Family৳9,000 a year | Platinum৳15,000 a year |
|---|---|---|---|---|---|---|
| Who it covers | Just you | Just you | You and your spouse | You, your spouse and a child | You, your spouse and two children | You, spouse, two children, parents |
| Health cover | ||||||
| Hospital admission treatmentহাসপাতাল ভর্তি চিকিৎসা সুবিধা | ৳15,000 | ৳20,000 | ৳25,000 | ৳50,000 | ৳75,000 | ৳1,00,000 |
| Outpatient treatmentবহির্বিভাগীয় চিকিৎসা সুবিধা | – | ৳500 | ৳1,000 | ৳1,500 | ৳2,000 | ৳3,000 |
| Maternity benefitমাতৃত্বজনিত সুবিধা | – | – | – | ৳10,000 | ৳15,000 | ৳20,000 |
| Spouse’s serious illness treatmentজীবনসঙ্গীর গুরুতর অসুস্থতায় চিকিৎসা সুবিধা | – | – | – | – | – | ৳50,000 |
| Life cover (card holder only) | ||||||
| Serious illness treatmentগুরুতর অসুস্থতায় চিকিৎসা সুবিধা | – | – | ৳50,000 | ৳50,000 | ৳1,00,000 | ৳1,25,000 |
| Natural death claimসাধারণ মৃত্যু দাবী | ৳15,000 | ৳50,000 | ৳1,00,000 | ৳1,00,000 | ৳2,00,000 | ৳2,50,000 |
| Accidental death claimদুর্ঘটনায় মৃত্যু দাবী | ৳30,000 | ৳1,00,000 | ৳2,00,000 | ৳2,00,000 | ৳4,00,000 | ৳5,00,000 |
| Total and permanent disabilityসম্পূর্ণ ও স্থায়ী অক্ষমতা সুবিধা | ৳15,000 | ৳50,000 | ৳1,00,000 | ৳1,00,000 | ৳2,00,000 | ৳2,50,000 |
| Partial disabilityআংশিক অক্ষমতা সুবিধা | ৳7,500 | ৳25,000 | ৳50,000 | ৳50,000 | ৳1,00,000 | ৳1,25,000 |
| Accidental dental treatmentদুর্ঘটনাজনিত দন্ত্য চিকিৎসা সুবিধা | – | – | – | – | ৳5,000 | ৳10,000 |
| Accidental eye treatmentদুর্ঘটনাজনিত চক্ষু চিকিৎসা সুবিধা | – | – | – | – | ৳5,000 | ৳10,000 |
| Special cover | ||||||
| Student awardফ্রি স্টুডেন্ট অ্যাওয়ার্ড সুবিধা | – | – | – | ৳5,000 | ৳5,000 | ৳5,000 |
| Student stipendফ্রি স্টুডেন্ট বৃত্তি সুবিধা | – | – | – | ৳1,000 | ৳2,000 | ৳3,000 |
Who can get a card
- The card holder is 18 to 60 years old and in good health when the card is bought.
- Children are covered from 6 months up to 20 years old, parents up to 60.
- A card lasts one year, and you can claim and renew from the app.
- Hospital treatment is covered anywhere in Bangladesh or abroad.
Not covered
- Cancer (except skin cancer and non-invasive cancer)
- Heart attack and stroke
- Coronary artery surgery (except angioplasty and other procedures inside the arteries)
- Failure of one or both kidneys
- Neurological diseases
- Paralysis (two or more limbs completely disabled)
- Heart, kidney (one or both) and liver transplants
- A card cannot be taken during pregnancy
Discounts at partner shops, on every card
- Grocery and general stores 5–10%
- Pharmacies 5–40%
- Hospitals and diagnostic centres 5–40%
- Restaurants 5–10%
- Sweets and bakeries
- Clothing, fashion and lifestyle 5–30%
- Electronics showrooms 5–30%
- Hotels and resorts 5–10%
- Tailors and fabrics
- Beauty parlours and salons
- Jewellery
- Stationery and books
- Shoe stores
- Tours and travel
- Bus and transport tickets 5–10%
- Air tickets
- Furniture showrooms
- Plots and flats
- Tiles and sanitary ware
- Hardware and electrical shops
Show your ONE Card, printed or in the app, when you pay. The list of partner shops is being finalised and will be published here.
A CLEAR PATH, FROM DAY ONE
Simple to join.
Support when you need it.
From buying the card to getting money back after a hospital stay.
- 1
Day one
Buy a card
From an ExploreGlobal agent, or from us directly. Your 365 days of cover start on the day your payment is confirmed.
- 2
The same day
Get your card
Your card is in the ExploreGlobal app as soon as the payment is confirmed: show it at hospitals and partner stores. Your printed card follows, with the same number; activate it in the app with your date of birth.
- 3
If you are admitted
Pay the hospital as usual
Keep the bill and the discharge summary. Nothing else is needed from you at the hospital.
- 4
After discharge
Make a claim
Send the documents from the app, or give them to your agent. The insurer assesses the claim, and the approved amount is paid to your bKash, Nagad, Rocket or bank account.
AN EXAMPLE YEAR
A year with a
Basic card.
How the money works, from the day Nasrin bought her card to the day she renewed it. Nasrin is an example: the dates and amounts are only there to show how it adds up.
Her ৳2,000 card gives her ৳20,000 of hospital cover for the year. The app always shows what is left.
DateWhat happenedCover left
3 FebBuys a Basic card from her agent in Bogura and pays ৳2,000 by bKash. The card is in her app the same afternoon.৳20,000
11 FebHer printed card arrives. She activates it in the app with her date of birth. Same number as the one on her phone.৳20,000
18 JunThree nights in hospital with dengue. She pays the ৳8,400 bill, then sends the bill and discharge summary from the app.৳20,000
27 JunClaim approved: ৳8,400, paid to her bKash.৳11,600
9 OctA weekend in Cox's Bazar. She shows her card at a partner hotel for the discount, and earns loyalty points at a partner store.৳11,600
3 FebRenews for ৳2,000. The new year starts with a fresh ৳20,000. The ৳11,600 she did not use does not carry over.৳20,000
KNOW WHAT YOU’RE GETTING
Before you choose your card.
What ONE Card is, and what it is not.
ONE Card is
- Insurance cover for 365 days, provided by Zenith Islami Life Insurance PLC.
- Sold by agents who live in your area and can help you with claims in person.
- Renewable at the same price you paid the first time.
- Usable at partner shops and hotels from the day it starts.
ONE Card is not
- Cashless at the hospital. You pay the bill first, then claim the covered amount.
- Refundable once it has started, because the insurance cover starts straight away.
- A replacement for emergency services. In an emergency, call 999.
BUILD SOMETHING IN YOUR COMMUNITY
Be the person
people turn to.
Agents sell ONE Card in their own area and help their customers with paperwork and claims.
- You start as a Sales Executive, after an identity check.
- Your commission on every card you sell is paid monthly to your bKash, Nagad, Rocket or bank account.
- Every sale and every payment is listed in your agent app.
- You get your own page with your photo and number, so customers can check you are a real agent.
- Sales ExecutiveEveryone starts here
- Sales ManagerLeads Sales Executives
- Assistant General ManagerLeads Sales Managers
- Deputy General ManagerLeads AGMs
- General ManagerLeads DGMs
- DirectorThe most senior level
Promotion is based on written targets that are the same for everyone. We explain commission rates before you start, and do not advertise income figures.
PEOPLE BEHIND THE PROMISE
Meet ExploreGlobal.
An independent company registered in Bangladesh, with its head office in Malibagh, Dhaka. We designed ONE Card, sell it through our agents, and help card holders with their claims.
Md Shamsul Alam Bahadur
Chairman
Syed Mahamudul Haque Akkas
Vice Chairman
Syed Maskurul Hoque
Managing Director & CEO
AKM Nayamat Ullah Babu
Admin & Director
Salma Akter
Finance Director & Business Development
Shamim Akon
Relationship Director
GOOD QUESTIONS, CLEAR ANSWERS
Let’s make it clear.
Something else? Write to hello@exploreglobal.io and we will answer.
Is this real insurance?
Yes. Part of the price of every card is an insurance premium paid to Zenith Islami Life Insurance PLC, an insurer regulated by IDRA in Bangladesh. Zenith provides the cover and assesses claims. ExploreGlobal sells and services the card.
When does the cover start and end?
It starts on the day your payment is confirmed and lasts 365 days. The app reminds you before it ends, and renewing costs the same as the first year.
How much can I claim?
Each benefit has its own limit for the card year. Hospital admission runs from ৳15,000 on the General card to ৳1,00,000 on Platinum; outpatient treatment, maternity, serious illness and life cover each have their own amounts (see what each card covers). An approved claim reduces that benefit only, the app shows what is left of each, and nothing carries over to the renewal.
When do I get my card?
As soon as your payment is confirmed, your card appears in the app as a virtual card you can show at hospitals and partner stores. Your printed card, with the same number, follows. When it arrives, activate it in the app with your date of birth.
How do loyalty points work?
Every ONE Card earns loyalty points at our partner merchant stores: show the card when you pay. The list of partner stores and how points are used will be published here.
Do I have to buy through an agent?
No. You can also buy from us directly, at the same price. Many people prefer an agent because the agent can help with documents and claims in person.
Can I get my money back?
Not once the card has started, because the insurance cover starts straight away. Please compare the cards before you buy.
What do agents earn?
A commission on each card they sell, paid monthly. We explain the rates to agents before they start instead of advertising income figures, because what anyone earns depends on what they sell.
Talk to us about a ONE Card
Write to hello@exploreglobal.io or visit our head office at 80 Shiddeswari, Circular Road, Malibagh, Dhaka.