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

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
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