Personal HealthCare
Introduction
The significant rise in medical inflation has adversely affected the financial stability of individuals across all classes. Consequently, the demand for individual medical and hospitalization insurance has become crucial to meet present-day healthcare needs.
Jubilee Cover’s Personal HealthCare Insurance is designed to address these needs effectively. This product is highly tailored, valued and offered at competitive premiums. When it comes to protecting your personal lifestyle, Jubilee Cover Insurance is the trusted partner you can rely on.
Jubilee Cover’s Personal HealthCare Insurance provides coverage for a fixed sum in the event of hospitalization. You can choose coverage amounts of Rs. 125,000, Rs. 275,000, Rs. 550,000, Rs. 750,000, and Rs. 1,000,000 based on your specific requirements.
Plans
Hospitalization limits are annual. Jubilee Cover Insurance offers five exclusive plans:
- Bronze Plan: Rs. 125,000
- Silver Plan: Rs. 275,000
- Gold Plan: Rs. 550,000
- Diamond Plan: Rs. 750,000
- Platinum Plan: Rs. 1,000,000
Product Features
- Provides cashless benefits through preferred healthcare providers
- No medical tests required
- Pre-existing conditions (PECs) are covered after 36 months of continuous coverage
- Free look period of 14 days — an option to cancel if not satisfied
Value Added Services
- Credit facility at 400+ hospitals across Pakistan
- 24/7 Medical Hotline approval centre for seamless care coordination
- Customized Personal Health Card for easy hospital facilitation
- Savings on outpatient services (lab tests, pharmacy) at selected outlets
- No medical tests or reports required
- Free look period of 14 days
- Pre-existing condition coverage after 36 months of renewals
- Additional 15% hospitalization limit after 24 months of continuous renewals, subject to no claims paid
- Unlimited audio/video consultations with general physicians and specialists via Sehat Kahani’s mobile app/website (partner service)
Major Exclusions
- Pre-existing conditions until 36 months of continuous coverage
- Waiting period of first 30 days from policy inception (except accidental injuries)
- Cosmetic, aesthetic and related treatments
- Congenital anomalies
- HIV/AIDS or sexually transmitted diseases
- Fertility, impotence, or sterilization procedures
- Pregnancy and related complications
- Psychiatric treatments
- War, invasion, civil commotion
- Costs of limbs, prosthetics, hearing aids, crutches, dentures
- Drug abuse or self-inflicted injuries
- Any outpatient expenses
- Non-vaccinated individuals over age 18 are excluded for COVID-19 related expenses
Coverage
Hospital/Surgical & miscellaneous expenses such as:
- 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
| Plans | Bronze | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|---|
| Hospitalization limit | 125,000 | 275,000 | 550,000 | 750,000 | 1,000,000 |
| Room & Board (per day) | General Ward | Semi-Private | Private | Private | Private |
| Pre/Hosp expenses | Covered | Covered | Covered | Covered | Covered |
| Post/Hosp expenses | Covered | Covered | Covered | Covered | Covered |
| Emergency Ambulance | 1,500 | 2,500 | 3,500 | 4,500 | 5,500 |
| Emergency International | Covered | Covered | Covered | Covered | Covered |
| Online Doctor Consultations* | Covered | Covered | Covered | Covered | Covered |
Premium Table
| Age Band | Bronze | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|---|
| Max Entry Age | Rs. 6,350 | Rs. 11,015 | Rs. 19,440 | Rs. 26,765 | Rs. 34,440 |
| 25–29 | 7,138 | 12,390 | 22,020 | 30,365 | 39,125 |
| 30–34 | 8,838 | 15,875 | 28,170 | 38,990 | 50,340 |
| 35–39 | 9,525 | 16,965 | 30,340 | 42,000 | 54,250 |
| 40–44 | 10,700 | 19,230 | 34,500 | 47,840 | 61,840 |
| 45–49 | 12,513 | 23,020 | 41,050 | 57,020 | 73,780 |
| Renewals only: 50–54 | 17,851 | 33,130 | 58,890 | 82,000 | 106,265 |
| 55–59 | 21,425 | 40,270 | 73,175 | 101,990 | 132,230 |
Premiums are inclusive of FIF & stamp duty but exclude applicable advance tax.