ParentsCare
Introduction
For the first time in Pakistan, Jubilee General Insurance introduces “ParentsCare” Insurance, which is one of its kind health insurance plan for masses who at the time of purchase fall within the age brackets 45 to 65 years (once covered, policy can be renewed yearly till age 70). ParentsCare can be purchased for one’s self, one’s spouse, parents and parents-in-law online. The plan has been designed putting ourselves into your shoes and going down to each detail to ensure the availability of comprehensive healthcare for you!
Product Features
- Provides Cashless benefits through our preferred providers
- No Medical tests are required
- Limited * cover for Pre-Existing Conditions ( PECs) from 1st year.
- Enhancement* for PECs cover at consecutive renewals to a maximum of 50%.
- Free look period of 14 days – option of canceling if not satisfied
‘*’ – Please refer to the Schedule for details.
Value Added Services
- Credit facility on 400+ hospitals all across Pakistan.
- 24/7 medical hotline for coordinated care and facilitation through trained professionals.
- Customized health card.
- Savings with health insurance policy through discounts on outpatient services (pharmacies and labs) at selected outlets.
- As a policyholder of Jubilee General’s Health Program, you can avail MediGuide's Medical Second Opinion.
Coverage
Hospitalization
Hospitalization limits are annual and Jubilee General is offering 3 plans as below:
Silver: Rs. 200,000
Gold: Rs. 300,000
Platinum: Rs. 500,000
PARENTCARE PREMIUMS (PKR) | ||||
|---|---|---|---|---|
| PLANS: | Silver | Gold | Platinum | |
| 200,000 | 300,000 | 500,000 | ||
| New Entry | 45 - 50 Years | 15,675 | 25,730 | 43,300 |
| 51 - 55 Years | 27,680 | 19,285 | 47,680 | |
| 56 - 60 Years | 21,230 | 32,089 | 54,200 | |
| 61 - 65 Years | 23,755 | 34,895 | 61,550 | |
| Renewals Only | 66 - 70 Years | 26,203 | 36,313 | 69,050 |
FAQs
Click Here to know more about ParentsCare Insurance.
| Benefit Plans | Silver | Gold | Platinum | ||
| Benefit Details | |||||
| Limit Per Person (annual) Hospital Expense Benefit – (Total Room Rent, Hospital/Surgical Expenses for a minimum 24 hours) | Rs. 200,000 | Rs. 300,000 | Rs. 500,000 | ||
| SUBLIMITS: | |||||
| Room rent | Semi Pvt | Private | Private | ||
| ICU / Operation Theatre charges | Actual | Actual | Actual | ||
| Ambulance - per Hospitalization / per policy | 3000 | 3000 | 3000 | ||
| Pre Hospitalization | 30 days | 30 days | 30 days | ||
| Post Hospitalization | 30 days | 30 days | 30 days | ||
| Day-Care Procedures & Specialized Investigations in outpatient setting including but not limited to: Dialysis, Cataract Surgery, MRI, CT Scan, Endoscopy, Thallium Scan, Angiography, and Treatment of Fracture. Emergency dental treatment due to accidental injuries within 48 hours (for pain relief only). | Covered | Covered | Covered | ||
| Pre Existing Conditions & Congenital Anomalies Coverage | 1 st year 10% of Annual Limit 2 nd year 20% of Annual Limit 3 rd year 30% of Annual Limit 4 th year & onward 50% of Annual Limit |
1 st year 10% of Annual Limit 2 nd year 20% of Annu al Limit 3 rd year 30% of Annual Limit 4 th year & onward 50% of Annual Limit |
1 st year 10% of Annual Limit 2 nd year 20% of Annual Limit 3 rd year 30% of Annual Limit 4 th year & onward 50% of Annual Limit |
||
| Medical Second Opinion(MSO) Benefit : International Medical Second opinion from Mediguide International from some of the best hospitals across the world. |
Covered | Covered | Covered | ||
key terms
- Entry Age: Individuals - 45 - 65 (Once covered, policy can be renewed yearly till age 70). Switching of plans only at the renewal.
- Waiting Period: 60 days
- Premium: Will depend on the age (next birthday) of the insured.
- Geographical Limitations: Pakistan Only
Major exclusions
- Benefits will not be available for Pre-existing Conditions beyond the extent mentioned in the schedule of benefits.
- Will not cover any expenses occurring during the first 60 days of the inception of policy, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break.
- Non Panel Hospitalizations.
- Cosmetic, aesthetic and related treatment.
- Congenital anomalies beyond the extent mentioned in the schedule of benefits.
- HIV-AIDS or any sexually transmitted disease.
- Any fertility/impotence/ sterilization procedure or treatment.
- Pregnancy related expenses and complications.
- Psychiatric treatment.
- War, invasion, civil commotion.
- Cost of limbs/ prosthetics/ hearing aids / crutches /dentures.
- Drug abuse / self-inflicted injuries.
- Any outpatient expenses.
- Others- Please refer to the policy document for complete set of exclusions