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Family HealthCare
INSURANCE

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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 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.

FAQs

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)
  • As a policyholder of Jubilee General’s Family 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.

Family HealthCare Insurance
Product Benefit Table
Plans Silver Gold Diamond Platinum
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
Online Doctor Consultation*:
Online Audio/Video consultation through our Partner “Sehat Kahani”.		 Covered

* Online Doctor Consultation is being provided by, owned and operated by a third party “Sehat Kahani's”, 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.

Maximum Eligibility Age: the maximum age to which an Insured can be covered as under:

Policyholder: 18-49 years, Once enrolled cover can continue till the 60th birthday.

Spouse: 18-49 years, Once enrolled cover can continue till the 60th birthday.

Dependant Child: 1+ Year, cover can continue till the 23rd birthday.

COVID -19: related covered expenses will be excluded for non-vaccinated individuals, over the age of 18

 

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 27,440 34,140 40,810
25 29 28,215 34,925 41,575
30 34 29,750 36,450 43,125
35 39 31,890 38,590 45,235
40 44 34,965 41,675 48,325
45 49 41,165 47,850 54,525
Renewals only 50 54 53,140 59,850 66,485
55 59 59,315 66,020 72,675

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 49,875 61,750 73,650
25 29 51,815 63,690 75,575
30 34 55,675 67,565 79,440
35 39 59,930 71,800 83,700
40 44 67,275 79,140 91,050
45 49 80,400 92,275 104,200
Renewals only 50 54 106,890 118,750 130,650
55 59 121,180 133,100 144,950

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 69,800 86,400 103,100
25 29 72,500 89,125 105,770
30 34 77,915 94,530 111,150
35 39 83,850 100,475 117,150
40 44 94,140 110,765 127,380
45 49 112,525 129,150 145,780
Renewals only 50 54 149,600 166,215 182,850
55 59 169,575 186,225 202,860

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 91,075 112,325 133,975
25 29 94,225 115,865 137,475
30 34 101,275 122,900 144,500
35 39 109,000 130,625 152,270
40 44 122,350 143,990 165,600
45 49 146,280 167,875 189,500
Renewals only 50 54 194,465 216,100 237,700
55 59 220,450 242,100 263,720

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

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