LIFESTYLECARE
Introduction
Plans
This Insured Membership Document has been specifically developed to provide financial protection to the Insured in the event of diagnosis of any of the seven major critical illnesses listed under this plan. Jubilee Cover Insurance will pay the full lump sum insured amount without requiring any medical bills or expense receipts, subject to the terms and conditions of the product.
Product Features include:
- Cash payout for medical treatments not covered under your regular health plan
- Cash support to manage loan repayments during recovery
- Financial assistance for children’s school or college expenses
- Funds to travel abroad for treatments unavailable locally
- Cash benefit to help PROTECT YOUR LIFESTYLE
- As a PMD holder of Jubilee Cover’s Health Insurance Program, you can avail unlimited audio or video consultations from a General Physician and a Specialist Doctor through Sehat Kahani’s mobile application / website
Product Features
There are seven critical illnesses covered under this Insured Membership Document as listed below:
- Cancer
- Open Chest Coronary Artery Bypass Surgery
- Heart Attack (Myocardial Infarction)
- Kidney Failure
- Stroke
- Major Organ Transplant
- Paralysis
Major Exclusions
- Silver plan with sum covered of Rs. 300,000
- Gold plan with sum covered of Rs. 500,000
- Diamond plan with sum covered of Rs. 700,000
- Platinum plan with sum covered of Rs. 1,000,000
Product Benefit Table
LifeStyleCare
Hospitalization Limit: Silver 300,000 | Gold 500,000 | Diamond 700,000 | Platinum 1,000,000
| Age Band | Silver (Net Premium) | Gold (Net Premium) | Diamond (Net Premium) | Platinum (Net Premium) |
|---|---|---|---|---|
| 18 – 35 | 2,280 | 3,330 | 4,380 | 5,940 |
| 36 – 40 | 3,180 | 4,810 | 6,480 | 8,940 |
| 41 – 45 | 4,540 | 7,080 | 9,600 | 13,440 |
| 46 – 50 | 7,200 | 11,520 | 15,840 | 22,320 |
Renewals Only
| Age Band | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|
| 51 – 55 | 13,170 | 21,460 | 25,980 | 36,780 |
| 56 – 60 | 20,210 | 32,210 | 40,260 | 57,240 |
Note: Above rates are inclusive of FIF & Stamp duty but Excluding 4% advance tax for non-filers.
Key Terms
- No medical tests are required
- Entry age: 18–50 (Once covered, Insured Membership Document can be renewed yearly until age 60)
- Critical illness occurring within the first 90 days of the Insured Membership Document is not covered (waiting period does not apply on renewal)
- Benefit is payable on a First Existing Conditions basis
- The insured must survive for 30 days from the date of diagnosis of the critical illness for claim admissibility
- Coverage ceases once a claim has been paid under the Insured Membership Document
- The Insured Membership Document cannot be renewed if a claim has already been paid
- COVID-19 related covered expenses are excluded for non-vaccinated individuals above the age of 18