Bangladesh (BD)
Bangladesh is a densely populated delta nation in South Asia, bordered by India and Myanmar, with the Bay of Bengal to the south.
Insurance Guide
Which insurances you actually need in Bangladesh, prioritised.
Insurance is a core expat risk-control tool in Bangladesh because public safety nets are limited for foreigners and private hospitals, evacuation, vehicle claims, flood damage and liability can be expensive.
Legally Mandatory
- - Motor vehicle third-party insurance — required under the Motor Vehicles Ordinance 1983 (Section 109) and reinstated as mandatory under the Road Transport Amendment Act 2024
- - Employer-required health/accident cover for many expat employment contracts
International health insurance
Private hospital, specialist, inpatient and evacuation cover — essential because public hospitals have limited capacity for expat-level care.
Who needs it: All expats
Annual cost: USD 1,200–6,000+ depending on age, cover level and evacuation limit
Include medical evacuation and dengue/accident coverage. Confirm direct billing at major Dhaka private hospitals (e.g. Evercare, United Hospital).
Motor insurance
Third-party liability (mandatory) and optional comprehensive vehicle cover.
Who needs it: Vehicle owners
Annual cost: Varies by vehicle type, age and insured value
Driver clauses matter if employing a driver. Verify the insured driver list matches actual drivers.
Travel and evacuation insurance
Medical evacuation to India, Singapore or home country, trip disruption and repatriation.
Who needs it: Short-term workers and frequent travellers
Annual cost: USD 200–1,500+ per year for annual multi-trip plans
Personal accident insurance
Lump sum or income support after accident causing death or permanent disability.
Who needs it: Drivers, field workers, factory and site visitors
Annual cost: BDT 5,000–50,000+ depending on coverage amount and occupation risk
Home contents insurance
Household goods against theft, fire, water damage and electrical surge.
Who needs it: Renters with imported or high-value goods
Annual cost: BDT 10,000–80,000+ depending on insured value
Check flood, generator surge and theft exclusions — all are common Dhaka risks.
Comparison sites
Confirm direct billing arrangements at your preferred Dhaka hospital before selecting a health plan — out-of-pocket reimbursement can be slow.
Keep insurer hotline numbers offline — power and internet outages can prevent online lookups during emergencies.
Confirm medical evacuation destination (typically India, Singapore or home country) is specified in writing in the policy.
Declare motorbike riding, fieldwork, factory-site visits and remote-area travel when applying — non-disclosure can void claims.
Insurance
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