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Introduction

Increasing medical inflation in double digits has significantly impacted the financial stability of individual belonging to all classes. Therefore, the need for individual medical & Hospitalization insurance is highly significant fulfilling the present day needs.

Jubilee General’s Personal HealthCare Insurance is the answer to all such needs. This product is most customized, highly valued and competitive premium are the key aspects of this product. Because when it comes to your Personal lifestyle protection, Jubilee General Insurance is the partner you can trust.

Jubilee General’s Personal HealthCare Insurance covers more you for a fixed amount of Sum insured in case of hospitalization. Thus you can take cover for Rs. 125,000, Rs. 275,000, Rs. 550,000, Rs. 750,000 & Rs. 1,000,000 as per your need.

FAQs

Hospitalization limits are annual. Jubilee General Insurance is offering five exclusive plans, i.e.
  • Bronze Plan:   Rs. 125,000
  • Silver Plan:    Rs. 275,000
  • Gold Plan:    Rs. 550,000
  • Diamond Plan:    Rs. 750,000
  • Platinum Plan:    Rs. 1,000,000

  • Provides Cashless benefits through our preferred providers
  • 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 Personal Health Card for complete facilitation at Hospitals
  • Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets.
  • No requirement of any Medical test/ report
  • 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
  • As a policyholder of Jubilee General’s Health Insurance Program, you can avail MediGuide's Medical Second Opinion services by calling at the following number: 111-11-CARE (2273)
  • As a policyholder of Jubilee General’s Personal HealthCare Program, you can avail unlimited audio or video consultations from a General Physician and from a Specialist Doctor, through Sehat Kahani’s mobile application / website.

  • Benefits will not be available for Pre-existing Conditions* until 36 months of continuous coverage has elapsed
  • Waiting Period: Will not cover any expenses occurring during the first 30 days of the inception of policy, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break
  • Cosmetic, aesthetic and related treatment
  • Congenital anomalies
  • HIV-AIDS or any sexually transmitted disease
  • Any fertility/impotence/ sterilization procedure or treatment
  • Pregnancy related expenses ad complications
  • Psychiatric treatment
  • War, invasion, civil commotion
  • Cost of limbs/ prosthetics/ hearing aids / crutches /dentures
  • Drug abuse / self-inflicted injuries
  • Any outpatient expenses
  • COVID -19 related covered expenses will be excluded for non-vaccinated individuals, over the age of 18
  • Non-Network hospitalization except in accidental emergencies.

Product Benefit Table
PlansBronzeSilverGoldDiamondPlatinum
HOSPITALIZATION EXPENSE BENEFIT: (LIMIT PER PERSON / PER YEAR) 125,000 275,000 550,000 750,000 1,000,000
Sub Limits:     
Room & Board (Per Day) General Ward Semi Private Room Private Room Private Room Private Room
Pre hospitalization Expenses: 30 Days 30 Days 30 Days 30 Days 30 Days
Post hospitalization Expenses:
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.		 1,500 2,500 3,500 4,500 5,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.		 Covered
Medical Second Opinion(MSO) Benefit:
International Medical Second opinion from Mediguide International for more than 100 top hospitals across the world.		 Covered
Online Doctor Consultation* :
Online Audio/Video consultation through our Partner “Sehat Kahani”.		 Covered

Entry Age: Proposer 18-49 (Once covered, policy can be renewed yearly till age 60).

* Online Doctor Consultation is being provided by, owned, and operated by a third party “Sehat Kahani”, over which Jubilee General has no control, neither Jubilee assumes any liability arising due to the quality of service being provided by the third-party vendor.

Personal HealthCare
Hospitalization Limit: 125,000 275,000 550,000 750,000 1,000,000
Room Entitlement: General Ward Semi-Private Private Private Private
Emergency Local Ambulance 1,500 2,500 3,500 4,500 5,500
    Bronze Silver Gold Diamond Platinum
  Age Band          
Max Entry Age 18 24 6,350 11,015 19,440 26,765 34,440
25 29 7,138 12,390 22,020 30,365 39,125
30 34 8,838 15,875 28,170 38,990 50,340
35 39 9,525 16,965 30,340 42,000 54,250
40 44 10,700 19,230 34,500 47,840 61,840
45 49 12,513 23,020 41,050 57,020 73,780
Renewals only 50 54 17,851 33,130 58,890 82,000 106,265
55 59 21,425 40,270 73,175 101,990 132,230

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

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