HealthCare Family Health Insurance

Introduction:

Increasing medical inflation in double digits has significantly impacted the financial stability of individual belonging to all classes. Therefore, the need for individual Family medical & Hospitalization insurance is highly significant fulfilling the present day needs of individuals. Jubilee General’s Family HealthCare Insurance is the answer to all such needs. When it comes to your family lifestyle protection, Jubilee General Insurance is the partner you can trust.

Jubilee General’s Family HealthCare Insurance covers more than one family member (Self, spouse, up to 04 children) for a fixed amount of cover in case of hospitalization. The amount of sum insured floats over the entire family – this means that the limit can be used by any member of the family and for any number of times. Thus a family of 04 takes a cover for Rs. 550,000 -the entire family can claim up to this amount together.

Coverage::

Hospitalization

Hospitalization limits are annual and allocated on ‘Per Family’ basis. Jubilee General Insurance is offering two exclusive plans with following annual family limits, i.e.,

Silver Plan:   Rs. 275,000
Gold Plan:    Rs. 550,000

Product Packages are as follows:

I.     Family ‘A’  -  Self, Spouse & up to 02 children
II.    Family ‘B’  -  Self, Spouse & up to 03 children
III.   Family ‘C’  -  Self, Spouse & up to 04 children

Product Features

  • Provides Cashless benefits through our preferred providers network
  • No Medical tests are required
  • PECs will be covered after 04 years of continuous coverage
  • Free look period of 14 days –option of canceling if not satisfied

Value Added Services

  • Credit facility on 200+ hospitals all across Pakistan
  • 24/7 Medical Hotline approval centre for better coordinated care and facilitation through trained professionals
  • Customized Family Health Card for complete facilitation at hospitals
  • Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets
  • Medical Second Opinion Facility
  • Free Lookup Period for 14 days
  • Pre Existing coverage after 48 months of consequent renewals
  • Additional 15% Hospitalization limit after 24 months of consequent renewals subject to No Claims paid
  • Avail International MediGuide's Medical Second Opinion services by calling at the following number:111-11-CARE (2273)

FAQs

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Family HealthCare Insurance

Product Benefit Table
PlansGoldSilver
Hospitalization Limits Including Hospital/Surgical & Miscellaneous expenses. Some of the covered expenses are: In-Hospital Consultations, Intensive Care Charges, Surgical Fees, Anaesthitist's Fee, Operation Theatre Charges, Prescribed Medicines, Diagnostic Investigations, Blood & Oxygen Supplies, Ventilator & Allied Services, Day care precedures including Kidney Dialysis/Chemotherapy & Radiotherapy for Cancer 550,000 275,000
   
Room & Board (Per Day) Private Room Semi Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
30 Days 30 Days
Post hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests after discharge from the Hospital.
Emergency Local Ambulance Expenses:
To pay for the transfer of the patient to end between Hospitals in an ambulance provided by any service provider, per eligible claim.
3,500 2,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.
Covered

Entry Age: Proposer/ Spouse- 18-49 (Once covered, policy can be renewed yearly till age60).

Children: 1 year -23 years.
Single premium covers a family of maximum 06 (self + Spouse + up to 4 children)
Family Premium: Will depend on the age (next birthday) of the eldest member and the package premium will cover a maximum of 06 persons-Self, Spouse and 04 Children.

Family HealthCare

Silver Plan
Hospitalization Limit: 275,000
Room Entitlement: Semi-Private
Emergency Local Ambulance Exp: 2,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 14,201 17,652 21,102
25 29 14,601 18,052 21,502
30 34 15,401 18,852 22,302
35 39 16,501 19,952 23,402
40 44 18,101 21,552 25,002
45 49 21,301 24,752 28,202
Renewals only 50 54 27,501 30,952 34,402
55 59 30,701 34,152 37,602
Gold Plan
Hospitalization Limit: 550,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 3,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 25,801 31,952 38,102
25 29 26,801 32,952 39,102
30 34 28,801 34,952 41,102
35 39 31,001 37,152 43,302
40 44 34,801 40,952 47,102
45 49 41,601 47,752 53,902
Renewals only 50 54 55,301 61,452 67,602
55 59 62,701 68,852 75,002

Family ‘A’   -   Self, Spouse & up to 02 children
Family ‘B’   -   Self, Spouse & up to 03 children
Family ‘C’   -   Self, Spouse & up to 04 children

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