Hercare
Introduction
A health insurance plan designed specifically for women, offering financial protection against several critical illnesses that commonly affect women. The plan pays a lump-sum amount equal to the sum covered if the insured woman is diagnosed with any of the specified critical illnesses during the policy term (no medical bills or tests required for claims).
Plans
HerCare provides cover against 8 specific critical illnesses:
- Breast Cancer
- Cervical Cancer
- Burns
- Paralysis or Multi-trauma
- Fallopian Tube Cancer
- Uterine or Endometrial Cancer
- Vaginal Cancer
- Ovarian Cancer
Product Features
If the insured woman gives birth to a child with a congenital disability listed below, the plan pays 50% of the sum covered.
This benefit is available for the first two children only and only if the children are born before the woman attains age 40:
- Down’s Syndrome
- Congenital Cyanotic Heart Disease
- Trachea-esophageal Fistula
- Cleft Palate (with or without cleft lip)
- Spina Bifida
Plan Features
- No medical tests required
- 14-day free look period
Value Added Services
- 24/7 medical hotline with trained care professionals
- Personalized health card
- Discounts on outpatient services at selected pharmacies and labs
- Unlimited audio/video doctor consultations (general physician and specialists) via the Sehat Kahani mobile app/website
Product Benefit table
HerCare offers three coverage options:
- Gold Plan – PKR 500,000
- Diamond Plan – PKR 750,000
- Platinum Plan – PKR 1,000,000
Key Terms
- Entry age must be 18–50 years (after initial cover, the policy can be renewed yearly up to age 60)
- There is a 90-day waiting period from the start of the policy (this does not apply to renewals)
- No benefits are available for pre-existing conditions
- The insured must survive for 30 days from the date of diagnosis of the critical illness for the claim to be admissible
- If a claim is paid under the policy, cover ceases and the policy cannot be renewed or reinstated
- Contribution (premium) varies depending on the insured’s age and the plan selected
- COVID-19 related expenses are excluded for non-vaccinated individuals above age 18
Coverage
| Age Band | Gold (PKR 500,000) | Diamond (PKR 750,000) | Platinum (PKR 1,000,000) |
|---|---|---|---|
| 18–35 | 3,000 | 4,680 | 5,340 |
| 36–40 | 4,320 | 6,960 | 8,040 |
| 41–45 | 6,360 | 10,380 | 12,120 |
| 46–50 | 10,380 | 17,100 | 20,100 |
| Renewals Only51–55 | 19,320 | 28,080 | 33,120 |
| 56–60 | 29,880 | 43,560 | 51,600 |
Above rates are inclusive of FIF & Stamp duty but exclude 4% advance tax for non-filers.
Exlusions
- Pre-Existing Conditions: A pre-existing medical condition refers to any illness, disease, injury, or related symptom for which medical advice, diagnosis, care, or treatment was received or recommended before the effective date of this insurance. Jubilee General Insurance will not provide coverage for any pre-existing condition.
- Intentional self-inflicted injury or loss arising from deliberate self-harm.
- Infection caused by the Human Immunodeficiency Virus (HIV), including its variants (such as Acquired Immune Deficiency Syndrome (AIDS)) or AIDS-Related Complex (ARC).
- Burns resulting from radiation exposure.
- Death occurring within 30 days after the diagnosis of a covered Critical Illness (CI).
- Misuse or abuse of drugs.
- Other exclusions: Please refer to the Insured Membership Document for the complete list of exclusions