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Supernova Challenge Winner GITEX Asia 2025
Affordable coverage for every family, in under 3 minutes.
Join thousands of Bangladeshi families protected from medical emergencies, accidents, and the unexpected — fully digital, from signup to claim.
IDRA Licensed
Regulated InsurTech
Savings on Diagnostics
40%
Up to 40% off pathology & radiology tests
Yearly Health Coverage
৳9,05,000
Maximum annual benefit per insured member
✓ Active Coverage
Healthcare Partners
261+
Hospitals, clinics & diagnostic labs
Built different
Why do Bangladeshi families trust Chhaya?
Insurance has always felt complicated — lengthy forms, confusing terms, and slow claims. We built Chhaya to change that, from the ground up.
Explore plansPaperless, hassle-free claims
File a claim from your phone in minutes — no hospital paperwork, no physical visits, no waiting in queues. Approval is fast, disbursement is direct.
Plain-language policy, instant sign-up
No fine print surprises. Every policy is written in clear Bengali and English so you always know exactly what is covered — before you pay.
Backed by reputed underwriters
Your policy is underwritten by IDRA-licensed, financially strong insurance partners. Every valid claim is paid — no rejections on technicalities.
Automated payment instalments
Choose monthly or yearly instalments — whatever fits your budget. Payments are automated and your policy renews seamlessly so coverage never lapses.
Included in your plan
Talk to a licensed doctor, right from the Chhaya app.
No waiting rooms. No queues. Get a private video consultation with a licensed doctor in minutes — and walk away with a digital e-prescription, all in one place.
Private video consultation
Connect with a qualified, BMDC-registered doctor over an end-to-end encrypted video call — from anywhere in Bangladesh.
Digital e-prescription
After each consultation, the doctor issues a signed digital prescription — downloadable as a PDF, right inside your app.
Full consultation history
Every past consultation and prescription saved in your profile — accessible anytime, even years later.
Your digital health wallet
File claims and find partner discounts — all from the app.
No paperwork. No phone calls. Submit your claim in minutes, track it in real time, and instantly see which discounts are available at 274+ partner clinics, hospitals, and pharmacies near you.
Digital claim filing
Upload documents, submit your claim, and track its status — Open, Pending, or Settled — entirely through the app. No agent, no queue.
Partner discount locator
Browse 274+ partner outlets by type or location. See the exact discount per service category — pathology, radiology, pharmacy — before you visit.
Partner Network
Save more at every healthcare visit — just show the app.
Your Chhaya plan unlocks instant discounts at partner hospitals, diagnostic centres, and pharmacies across Bangladesh — no vouchers, no paperwork. Just open the app and redeem.
- 274+
- Healthcare Partners
- 38+
- Districts covered
Up to40%
Pathology
Blood tests, urine tests, biopsies, and full lab workups at discounted rates — results you can trust, costs you can manage.
Up to30%
Radiology
Significant savings on X-rays, MRIs, CT scans, and ultrasounds at partner diagnostic centres nationwide.
Up to20%
Hospitalization
Reduce your out-of-pocket costs on hospital stays, procedures, and in-patient services at Chhaya's partner hospitals.
Up to8%
Medicine
Save on prescription and over-the-counter medicines at partner pharmacies — in-house purchases covered.
Partners in Protection
Leading insurance partners join forces with Chhaya to bring you reliable and customised coverage
Supernova Challenge Winner GITEX Asia 2025
Winner of the Supernova Challenge
Chhaya emerged victorious at the Supernova Challenge, recognized for groundbreaking innovation in the digital insurance landscape. This milestone reflects our commitment to providing reliable coverage for millions of users.
Backed by Visionary Investment
Renowned institutional investors support our mission to redefine insurance solutions for Bangladesh
Collaborations That Deliver Value
Partnering with service leaders to bring you enhanced benefits and convenience
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