Family HealthCare
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. 275,000, Rs. 550,000, Rs. 750,000 & Rs. 1,000,000 -the entire family can claim up to this amount together.

Hospitalization

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

  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000
  • Diamond Plan: Rs. 750,000
  • Platinum Plan: Rs. 1,000,000

Product Packages are as follows:

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

  • Provides Cashless benefits through our preferred providers network
  • No Medical tests are required
  • PECs will be covered after 03 years of continuous coverage
  • Free look period of 14 days –option of canceling if not satisfied

  • Credit facility on 400+ 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 36 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)

Family HealthCare Insurance

Product Benefit Table
PlansSilverGoldDiamondPlatinum
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 275,000 550,000 750,000 1,000,000
     
Room & Board (Per Day) Semi Private Room Private Room Private Room Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
30 Days 30 Days 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.
2,500 3,500 4,500 5,500
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 21,950 27,310 32,650
25 29 22,570 27,940 33,260
30 34 23,800 29,160 34,500
35 39 25,510 30,870 36,190
40 44 27,970 33,340 38,660
45 49 32,930 38,280 43,620
Renewals only 50 54 42,510 47,880 53,190
55 59 47,450 52,810 58,140

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 39,900 49,400 58,920
25 29 41,450 50,950 60,460
30 34 44,540 54,050 63,550
35 39 47,940 57,440 66,960
40 44 53,820 63,310 72,820
45 49 64,320 73,820 83,330
Renewals only 50 54 85,510 95,000 104,510
55 59 96,940 106,450 115,940

Diamond Plan

Hospitalization Limit: 750,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 4,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 55,840 69,120 82,450
25 29 58,000 71,300 84,610
30 34 62,330 75,620 88,920
35 39 67,080 80,380 93,710
40 44 75,310 88,610 101,900
45 49 90,020 103,320 116,620
Renewals only 50 54 119,680 132,970 146,280
55 59 135,660 148,980 162,290

Platinum Plan

Hospitalization Limit: 1,000,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 5,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 72,580 89,860 107,180
25 29 75,380 92,690 109,980
30 34 81,020 98,320 115,600
35 39 87,200 104,500 121,810
40 44 97,880 115,190 132,480
45 49 117,020 134,300 151,610
Renewals only 50 54 155,570 172,870 190,160
55 59 176,360 193,670 210,980

Note: Above rates are inclusive FIF & Stamp duty but Excluding 4% advance tax for non filers.