Family Healthcare
Introduction
Increasing medical inflation in double digits has significantly impacted the financial stability of individuals belonging to all classes. Therefore, the need for individual Family medical & Hospitalization Insurance is highly significant fulfilling the present day needs of individuals. Jubilee Cover’s Family HealthCare Insurance is the answer to all such needs. When it comes to your family lifestyle protection, Jubilee Cover Insurance is the partner you can trust. Jubilee Cover’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 covered 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.
Plans & Coverage
Hospitalization
Hospitalization limits are annual and allocated on a ‘Per Family’ basis. Jubilee Cover Insurance is offering four exclusive plans with the following annual family limits:
- 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
Product Features
- 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
Value Added Services
- 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 Insured Membership Document through discounts on outpatient services (lab tests) at selected outlets
- Medical Second Opinion Facility
- Free Look-Up 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 PMD holder of Jubilee Cover’s Health Insurance 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.
Coverage
Family HealthCare Insurance
| 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, Anaesthetist’s Fee, Operation Theatre Charges, Prescribed Medicines, Diagnostic Investigations, Blood & Oxygen Supplies, Ventilator & Allied Services, Day care procedures 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 (Consultations, Medicines, Laboratory tests prior to hospital admission) | 30 Days | 30 Days | 30 Days | 30 Days |
| Post hospitalization Expenses (Consultations, Medicines, Laboratory tests after discharge) | Covered | Covered | Covered | Covered |
| Emergency Local Ambulance Expenses | 2,500 | 3,500 | 4,500 | 5,500 |
| Emergency International Expenses | Covered | Covered | Covered | Covered |
| Online Doctor Consultation* | Covered | Covered | Covered | Covered |
Premium Table
Silver Plan
Hospitalization Limit: 275,000
Room Entitlement: Semi-Private
Emergency Local Ambulance Exp: 2,500
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 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
| Age Band | Family A | Family B | Family C |
|---|---|---|---|
| 50–54 | 194,465 | 216,100 | 237,700 |
| 55–59 | 220,450 | 242,100 | 263,720 |