Parentscare
Introduction
Jubilee General Insurance presents “ParentsCare” Insurance, a unique health insurance plan in Pakistan designed for individuals between 45 and 65 years of age at the time of purchase (after initial cover, the policy can be renewed yearly up to age 70). You can buy ParentsCare online for yourself, your spouse, parents, and parents‑in‑law. The plan has been developed with attention to detail to make comprehensive healthcare available for you!
Plans
- Offers cashless benefits at our preferred provider network
- No medical tests are required
- Limited coverage for Pre‑Existing Conditions (PECs) from the first year
- Increase in PEC coverage on renewals up to a maximum of 50%
- 14‑day free look period allowing cancellation if not satisfied
Value Added Services
- Access to cashless facilities at 400+ hospitals across Pakistan
- 24/7 medical hotline providing care coordination from trained professionals
- Personalized health card
- Savings through discounts on outpatient services at selected pharmacies and labs
- As a health insurance member, you can access unlimited audio/video consultations from general physicians and specialists via the Sehat Kahani mobile app/website
Product Features
Hospitalization limits are set annually with the following plans:
- Silver: Rs. 200,000
- Gold: Rs. 300,000
- Platinum: Rs. 500,000
- Titanium: Rs. 700,000
- Titanium Plus: Rs. 1,000,000
Product Benefit Table
Plans: Silver 200,000, Gold 300,000, Platinum 500,000, Titanium 700,000, Titanium Plus 1,000,000
Age Group | Silver | Gold | Platinum | Titanium | Titanium Plus |
|---|---|---|---|---|---|
| 45–50 | 22,800 | 37,450 | 63,000 | 93,390 | 107,365 |
| 51–55 | 28,060 | 40,260 | 69,360 | 99,800 | 114,635 |
| 56–60 | 30,890 | 46,680 | 78,845 | 112,460 | 129,330 |
| 61–65 | 34,560 | 50,760 | 89,540 | 132,960 | 152,760 |
| Renewal 66–70 | 38,110 | 52,830 | 100,450 | 160,020 | 183,300 |
Coverage
| Benefit Plans | Silver | Gold | Platinum | Titanium | Titanium Plus |
|---|---|---|---|---|---|
| Benefit Details | |||||
| Limit Per Person (annual) Hospital Expense Benefit — (Total Room Rent, Hospital/Surgical Expenses for a minimum 24 hours) | Rs. 200,000 | Rs. 300,000 | Rs. 500,000 | Rs. 700,000 | Rs. 1,000,000 |
| SUBLIMITS: | |||||
| Room rent | Semi Private | Private | Private | Private | Private |
| ICU / Operation Theatre charges | Actual | Actual | Actual | Actual | Actual |
| Ambulance – per Hospitalization / per policy | 3000 | 3000 | 3000 | 3000 | 3000 |
| Pre Hospitalization | 30 days | 30 days | 30 days | 30 days | 30 days |
| Post Hospitalization | 30 days | 30 days | 30 days | 30 days | 30 days |
| Post Hospitalization – Nursing Care Benefit (PKR 20,000/Year) | The product also provides a nursing care benefit of PKR 20,000 in case of hospitalization due to paralysis, stroke or fracture and nursing care is advised by the attending physician. This benefit is payable once in a year only. | ||||
| Day-Care Procedures & Specialized Investigations (Dialysis, Cataract Surgery, MRI, CT Scan, Endoscopy, Thallium Scan, Angiography, Treatment of Fracture, Emergency dental treatment due to accidental injuries within 48 hours — for pain relief only) | Covered | Covered | Covered | Covered | Covered |
| Pre-Existing Conditions & Congenital Anomalies Coverage | 1st year 10%2nd year 20%3rd year 30%4th year & onward 50% | Same | Same | Same | Same |
| Online Doctor Consultation (Audio/Video through “Sehat Kahani”) | Covered | Covered | Covered | Covered | Covered |
Key Terms
- Entry Age: 45 – 65 (renewable yearly up to 70)
- Policy renewals only (plan changes only at renewal)
- Waiting Period: 60 days
- Contribution depends on the insured’s age (next birthday)
- Coverage valid in Pakistan only
- COVID‑19–related expenses excluded for unvaccinated adults (18+)
Exclusions
- Benefits beyond the listed extent for pre‑existing conditions
- Expenses during the first 60 days of policy start (except accidental injuries; waiting doesn’t apply on uninterrupted renewals)
- Non‑panel hospitalizations
- Cosmetic/aesthetic treatments
- Congenital anomalies beyond stated coverage limits
- HIV/AIDS or sexually transmitted diseases
- Fertility/impotence/sterilization procedures
- Pregnancy‑related costs
- Psychiatric treatments
- War, invasion, civil unrest
- Costs of prosthetics, hearing aids, crutches, dentures
- Drug abuse/self‑inflicted injuries
- Outpatient expenses
- See the full policy document for all exclusions