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 16,330 20,320 24,290
25 29 16,790 20,780 24,750
30 34 17,700 21,700 25,670
35 39 18,980 22,970 26,930
40 44 20,810 24,800 28,770
45 49 24,500 28,480 32,450
Renewals only 50 54 31,630 35,620 39,580
55 59 35,300 39,290 43,260

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 29,690 36,760 43,840
25 29 30,840 37,910 44,980
30 34 33,140 40,210 47,280
35 39 35,670 42,740 49,820
40 44 40,040 47,110 54,180
45 49 47,860 54,930 62,000
Renewals only 50 54 63,620 70,690 77,760
55 59 72,120 79,200 86,270

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 41,540 51,430 61,350
25 29 43,150 53,050 62,950
30 34 46,370 56,270 66,160
35 39 49,910 59,800 69,720
40 44 56,030 65,930 75,821
45 49 66,980 76,870 86,770
Renewals only 50 54 89,040 98,940 108,840
55 59 100,940 110,850 120,750

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 54,000 66,860 79,750
25 29 56,090 68,960 81,830
30 34 60,280 73,150 86,010
35 39 64,880 77,750 90,630
40 44 72,830 85,700 98,570
45 49 87,070 99,930 112,800
Renewals only 50 54 115,750 128,620 141,490
55 59 131,220 144,100 156,980

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

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