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Glossary & Definitions

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1. Assurance:Takaful is a coverage benefit. It is the “sharing” of risk that comes with mutual solidarity and guarantee as opposed to the “transfer” of risk that conventional insurance provides.

2. Average Clause:Stipulates that a takaful fund is only liable for such proportion of the loss as the sum covered bears to total value at risk.

3. ClaimsNotification to a takaful operator that payment of an amount is due under the terms of the certificate.

4. Claims Ratio:The ratio of net claims incurred to earned contributions.

5. Contribution:The amount payable by a Participant to an Operator under a Takaful Contract.

6. Conventional Insurance:Life or Non-Life insurance under the Ordinance including reinsurance, which is not Takaful as defined in clause (1xiv) of Section 2 of the Ordinance and Re-Takaful.

7. Designated Charities:In the event that there is a surplus in the Takaful Protection Pool after all expenses have been deducted, than that Net Surplus will be donated to a designated charity or charities. Currently, those charities are; United Nations International Children's Emergency Fund (UNICEF), and/or the International Federation of the Red Cross and Red Crescent Societies (IFRC). The designated charities may be changed from time to time at the discretion of the Wakeel’s Oversight Committee provided such change is approved by the Shari'ah Supervisory Board.

8. Earned Contribution:Net contributions less provision for reserves for unearned contribution (RUC) at the year-end plus the RUC at the beginning of the year.

9. Excess of Loss Treaty:A type of retakaful treaty which provides that the retakaful operator pays all or a specified percentage of a loss arising from a particular occurrence or event (frequently of a more or less catastrophic nature) in excess of a fixed amount and up to a stipulated limit.

10. Excess:Deductible in a conventional insurance policy. It is the first amount that you have to pay on your own account towards each claim.

11. Event of Loss:An event that gives rise to a Loss as defined in the Policy. Loss means a loss to a Participant that is subject to compensation under the terms and conditions of the Participant’s Membership Document.

12. Facultative Treaty:A retakaful contract under which a ceding takaful operator has the option to cede and the retakaful operator has the option to accept or decline individual risks.

13. Family Takaful:Takaful for the benefit of individuals, groups of individuals and their families, as provided under sub-section (2) of section 3 of the Ordinance.

14. General Takaful:Takaful other than Family Takaful

15. Gharar:Arabic for uncertainty. One of three fundamental prohibitions in Islamic finance (the other two being riba and maisir). Gharar involves an unacceptable level of uncertainty or contingency in a contract. The prohibition on gharar is often used as the grounds for criticism of conventional financial practices such as short selling, speculation and derivatives.

16. Gross Direct Contributions:Contributions on original gross rate charged to clients in respect of direct takaful business without any deduction for commission or brokerage.

17. Group Family Takaful:Family takaful (usually without medical examination) on a group of people under a master Certificate. It is typically issued to an employer for the benefit of employees, or to members of an association.

18. Hibah:Gift

19. Indemnity:Restoration to the claimant of a loss by payment, repair or replacement.

20. Individual Family Takaful:A contract that provides takaful benefits payable to an individual upon death/total permanent disability or periodic income to participant upon retirement.

21. Investment-linked Takaful:A contract where the certificate benefits at any time vary according to the value of the underlying assets at the time.

22. Islamic Finance:Financial services that meet the requirements of the Shari’ah, or Islamic law. While designed to meet the specific religious requirements of Muslim consumers, Islamic banking is not restricted to Muslims: both the financial services provider and the consumer can be non-Muslim as well as Muslim. Also called Islamic banking or Islamic financial services.

23. Ijara:An Islamic lease agreement. Instead of lending money and earning interest, ijarah allows the financial institution to earn profits by charging rentals on the asset leased to the consumer. Ijarah wa iqtinah extends the concept of ijarah to a lease and purchase agreement.

24. Maisir:Arabic for gambling. One of three fundamental prohibitions in Islamic finance (the other two being riba and gharar). The prohibition on maysir is often used as the grounds for criticism of conventional financial practices such as speculation, conventional insurance and derivatives.

25. Medical and Health Takaful:A contract that provides specified medical treatment benefits such as the cost of hospitalization, surgical and physician consultation fees against risks of a person being diagnosed with certain illnesses or having injury arising from an accident.

26. Mortality Table:A statistical table showing the death rate at each age, usually expressed as the number of deaths per thousand.

27. Mudaraba:A Mudarabah is an Investment partnership, whereby the investor (the Rab ul Mal) provides capital to another party/entrepreneur (the Mudarib) in order to undertake a business/investment activity. While profits are shared on a pre-agreed ratio, loss of investment is born by the investor only. The mudarib loses its share of the expected income.

28. Mudaraba Based Contract:A Takaful Contract based on the principle of Mudaraba.

29. Mudharib:Entrepreneur

30. Murabaha:A Murabaha is a purchase and resale transaction. Instead of lending money, the capital provider purchases the desired commodity from a third party and resells it at a predetermined higher price to the commodity user. By paying this higher price over installments, the commodity user has effectively obtained credit without paying interest.

31. Musharaka:A Musharaka is a partnership financing structure where profits are shared as per an agreed ratio whereas the losses are shared in proportion to the capital/investment of each partner. In a Musharaka, all partners to a transaction contribute funds and have the right, but not the obligation, to exercise executive powers in that project, which is similar to a conventional partnership structure and the holding of voting stock in a limited company. This equity financing arrangement is widely regarded as the purest form of Islamic financing.

32. Net Claims Incurred:Net claims paid less provisions for outstanding claims beginning of the year plus provisions for outstanding claims at the end of the year.

33. Net Contributions:Gross contributions less all retakaful contributions payable.

34. Net Investment Income:Returns on investments less rates and taxes.

35. Net Surplus:The net difference that is created in the Takaful fund after all expenses and management fees for the cost of administration have been subtracted.

36. Operator:A Takaful Operator or a Window Takaful Operator, authorized under Takaful Rules, 2012

37. Operator Fund:A fund set up by a General Takaful Operator which shall undertake all transactions which the Operator undertakes other than those which pertain Participant Takaful Funds set up by the Operator.

38. Operating Protocol:A document that outlines the terms and conditions under which the operator (Wakeel) and participant of the Takaful Policy agree to the guidelines and principles set forth between the two parties. This document also specifies the particular relationship in place between all participants, operators and administrators and ensures that all transactions that take place are done so according to Shari’ah law and dictates that all investments must be Shari’ah compliant.

39. Participant:A Peron who participates in a Takaful scheme and to whom a Takaful Contract is issued

40. Participant Takaful Fund:A Separate Fund set up into which the Participant’s Risk related contributions are paid and from which risk related benefits are paid out.

41. Participants’ Membership Documents:The documents detailing the benefits and obligations of a Participant under a Takaful Contract.

42. Principal Officer:A Person, by whatever designation called, appointed by a Takaful Operator and charged with the responsibility of managing the affairs of the Takaful Operator.

43. Participants’ Account:An account to credit a portion of contributions from the participant for the purpose of investment/savings

44. Participants’ Special Account:An account to credit a portion of contributions from the participant for the purpose of tabarru’

45. Period of Takaful or Policy Period:The length of time for which the Takaful protection will be effective.

46. Proportional Treaty:A contract under which a takaful operator and a retakaful operator participate proportionately in the contributions and losses on every risk that comes within the scope of the contract.

47. Qard:Loan

36. Qard Hasan:An interest free loan from the Wakeel to the Takaful Protection Pool in order to meet any shortfalls that are created in the fund.

48. Rabbul Mal:Capital provider

49. Ra’sul Mal:Takaful Contribution

50. Retention Ratio:The ratio of net contributions to gross direct and retakaful accepted contributions less retakaful within Malaysia.

51. Riba:Interest generated in a conventional loan. The legal notion extends beyond just interest, but in simple terms Riba covers any return of money on money - whether the interest is fixed or floating, simple or compounded, and at whatever the rate. Riba is strictly prohibited in Islam. Investments made within a Takaful policy always avoid Riba in it its financial transactions.

52. Rider:An attachment to a certificate that modifies its conditions by expanding benefits.

53. Shari’ah:Islamic law as revealed in the Qur'an and through the example of Prophet Muhammad (PBUH). A Shari’ah compliant product meets the requirements of Islamic law. A Shari’ah board is the committee of Islamic scholars available to an Islamic financial institution for guidance and supervision in the development of Shari’ah compliant products.

54. Shari’ah advisor or scholar:An independent professional, usually a classically trained Islamic legal scholar that advises a financial institution on the compliance of its products and services with the Shari’ah, or Islamic law. While some financial institutions consult individual Shari’ah advisors, most establish a committee of Shari’ah advisors (often know as a Shari’ah board or Shari’ah committee).

55. Shari’ah compliant:An act or activity that complies with the requirements of the Shari’ah, or Islamic law. The term is often used in the Islamic banking industry as a synonym for Islamic—for example, Shari’ah compliant financing or Shari’ah compliant investment.

56. Sum Covered:Limit of liability in a conventional insurance policy. The amount shown in the Schedule being the maximum amount that the Risk Fund will pay for any one claim. The Sum Covered must be high enough to cover the cost of rebuilding the Building in the event of an Incident that completely destroys it.

57. Sukuk:Sukuk is the Arabic name for a financial certificate but can be seen as an Islamic equivalent of a bond. However, fixed income, interest bearing bonds are not permissible in Islam, hence Sukuk are securities that comply with the Islamic law and its investment principles, which prohibits the charging, or paying of interest. Sukuk is a certificate of equal value representing undivided shares in ownership of tangible assets, usufruct and services or (in the ownership of) the assets of particular projects or investment activity.

58. Surplus at Valuation Date:Excess of the takaful fund carried forward over the actuarial liabilities of a takaful fund of family takaful business.

59. Tabarru’:Premium in a conventional insurance policy. An Arabic word for donation, gift or contribution. In the Takaful contract, this is the amount contributed for the purpose of participating in Takaful scheme.

60. Tijari:Commercial business.

61. Takaful:Islamic coverage. Structured as charitable collective pool of funds based on the idea of mutual assistance. Takaful protection membership is designed to avoid the elements of conventional insurance (i.e., interest, uncertainty and gambling) that are problematic for Muslims. Takaful literally means mutual protection through co-operative risk sharing. It is coverage that avoids prohibited elements of conventional insurance in accordance with the laws of Shari’ah.

62. Takaful Benefit:Any benefit, whether pecuniary or otherwise, which is secured by a Takaful Contract.

63. Takaful Contract:Any contract of Family Takaful or General Takaful.

64. Takaful Operator:A Registered Insurer who is authorized by the Commission to carry on Takaful business and not Conventional Insurance business.

65. Takaful Protection Pool:The total sum of the Contributions received by the Wakeel from the Participants together with investment returns generated thereon (if any) and which has been established voluntarily for the purpose of mutual protection and assistance of the Participants.

66. Ta’min:Insurance

67. Total Loss:A loss of sufficient size so that it can be said there is nothing left of value.

68. Underwriting Profit / Loss:Earned contribution income less net claims incurred, commissions and management expenses.

69. Unearned Contribution Reserves:Contributions already received in respect of risks which are still unexpired at the end of the accounting period.

70. Window Takaful Operator:A Registered Insurer authorized under Takaful Rules, 2012 to carry on Takaful business as Window Operations in addition to Conventional Insurance Business.

71. Wali:Guardian

72. Wakalah:Agent-principal relationship, where a person nominates another to act on his behalf.

73. Wakalah based contact:A Takaful contract based on the principle of Wakala (agency).

74. Wakil:Agent

75. Wasi:Executer

Domestic Travel Brief

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  • Viacare Travel Insurance – Domestic Plan

    Jubilee General Insurance brings to you yet another customized Product for those who travel domestically.

    Now you can get covered up to Rs.1,000,000. So get peace of mind while travelling and let Jubilee take care of you

  • Package Plans

    We have two plans, i.e.,

    • Gold with coverage of Rs. 500,000 and;
    • Platinum with coverage of Rs. 1,000,000

    extending coverage based on number of days of traveling.

  • Features and Coverage Details

    • Personal Accident (Accidental Death & Permanent Disability)
    • Accidental Medical reimbursement
    • Emergency Medical Evacuation
    • Repatriation of Mortal Remains (In case of Natural Death only)
    • Loss of Baggage
    • Loss of C.N.I.C
  • Benefit Table

    Sr. No.DOMESTIC TRAVELPlatinumGold
    1 Accidental Death and Permanent Total Disability 1,000,000 500,000
    2 Accidental medical reimbursement 50,000 25,000
    3 Emergency Medical Evacuation 30,000 15,000
    4 Repatriation of mortal remains* 15,000 15,000
    5 Loss of baggage 7,500 3,500
    6 Loss of C.N.I.C 2,000 1,500

    (*) In case of Natural Death only

  • Premium Table

    Sr. No.Maximum Stay LimitPlatinum by AirGold by Air
    1 Upto 7 Days 200 110
    2 8 - 14 days 400 220
    3 15 - 21 days 600 330
    4 22 - 30 days 800 440

    *these premiums are inclusive of Admin surcharge, government taxes and levies and stamp duty.

    ** maximum stay depicts total number of days starting from the time of departure from your home city in Pakistan for Domestic Air Travel only up-till the time of arrival in your home city on return from your Domestic trip

Business Travel Brief

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  • Package Plans

    • Schengen Compliant, fulfills the Visa requirement of Schengen States by offering US$ 50,000 or equivalent cover for hospitalization & medical expenses
    • Multi-Purpose offers travelers Insurance anywhere in the world except Schengen States.
    • Maximum stay limit for Multi trip packages (180 & 365 days package) is 92 days
  • Package Types

    Each ViaCare Package has two types:

    • Plan for Individuals
    • Plan for Family
    • Insured’s age of coverage is up to 65 years. Double insurance premium is charged for age between 66-70 years
    • The Family package includes insured spouse and Four children of age between 6 months to 18 years.
    • 100% Limit for all Family Members in Case of Medical Expense & Hospitalization
    • 50% Limit for spouse and 25% of the same for children
  • Benefit Table

    Sr. No.Coverage/BenefitsSchengen CompliantMulti-Purpose
    1 Accidental Death & Permanent Disability US$15,000 US$10,000
    2 Medical Expenses & Hospitalization Abroad US$50,000 US$10,000
    3 Transport or Repartition in case of illness or injury US$50,000 US$15,000
    4 Emergency Dental Care US$750 US$500
    5 Repatriation of Family Member traveling with the insured US$3,000 US$1,500
    6 Repatriation of Mortal Remains US$5,000 US$5,000
    7 Return of Dependent Children US$5,000 US$5,000
    8 Emergency Return Home Following Death of close Family Member US$5,000 US$5,000
    9 Loss of Passport US$250 US$100
    10 Trip Cancellation US$500 US$250
    11 Delayed Departure US$500 US$250
    12 Loss of Checked-in Baggage US$500 US$250
    13 Compensation for delay in the arrival of luggage US$250 US$100
    14 Travel And Stay Over One immediate Family Member US$100 per day for 10 days only US$100 per day for 10 days only
  • Premium Table

    Premium Payable (Individual)

    TenureStay LimitSchengenMulti-purpose
    7 7 2,850 750
    14 14 4,950 950
    21 21 6,950 1,400
    31 31 8,450 1,900
    62 62 13,300 3,300
    92 92 19,300 6,550
    180 92 22,700 9,200
    365 92 27,100 11,100

    Premium Payable (Family)

    TenureStay LimitSchengenMulti-purpose
    7 7 4,450 1,100
    14 14 7,500 1,500
    21 21 10,250 2,100
    31 31 12,250 2,850
    62 62 17,850 5,800
    92 92 27,100 10,000
    180 92 40,300 18,800
    365 92 51,350 22,000

Student Travel Brief

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  • ViaCare Travel Insurance – Student Plan

    Approved by ‘Schengen’ states and Worldwide for Visa & Travel Medical & Hospitalization needs

  • Main Features of Student Plan

    List of important features are as follows;

    • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness abroad
    • Personal Accident (Accidental Death & Permanent Disability)
    • Tuition FEE Coverage
    • Travel & stay over of one immediate Family member
    • Medical Evacuation
    • Death Repatriation
    • Baggage & Passport Loss & Delay
    • Specialty Assist 24-Hour Assistance
  • Variants available for Student Plan

    There are four Plans available with different coverage limits to protect you from unforeseen events.

    • Bronze
    • Silver
    • Gold
    • Platinum
  • Product Plans with Limits

    Product Plans (Limits in USD)BronzeSilverGoldPlatinum
    Emergency Medical Expense for sickness & Hospitalization Abroad 10,000 25,000 50,000 100,000
    Travel and stay over of one immediate Family member per day USD 100 (Maximum USD 5,000) 5,000 5,000 5,000 5,000
    Repatriation of Mortal Remains 5,000 7,500 10,000 12,500
    Travel Assistance Actual Actual Actual Actual
    Loss of Passport 300 500 750 1,000
    Loss of in flight checked in Baggage 500 750 1,000 1,500
    Location and forwarding of lost baggage and Personal Effect Actual Actual Actual Actual
    24 hour personal accident 7,500 10,000 15,000 25,000
    Accidental Death 100% of Principle S.I 100% of Principle S.I 100% of Principle S.I 100% of Principle S.I
    Permanent Disability % of principle sum as per injury table % of principle sum as per injury table % of principle sum as per injury table % of principle sum as per injury table
    Tuition Fee 7,500 10,000 20,000 20,000

    All 4 of the above packages are available in 6 months stay and 12 month stay options along with the option to obtain cover with/without tuition fees cover

  • Premium Table

     6 months12 months
    PackageWith Tuition FeeWithout Tuition FeeWith Tuition FeeWithout Tuition Fee
    Bronze 11,523 9,799 17,666 15,019
    Silver 15,097 12,837 23,250 19,765
    Gold 23,138 19,672 35,647 30,304
    Platinum 40,225 34,195 54,744 46,535

Hajj/Umrah Brief

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  • Viacare Travel Insurance – Hajj & Umrah Plan

     

  • Main Features of ‘Hajj & Umrah’ Plan

    List of important features are as follows;

    • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness
    • Personal Accident (Accidental Death & Permanent Disability)
    • Burial & Repatriation expense (In case of Natural Death Only)
    • Baggage Loss
    • Cash Loss
  • Package Types

    There are two (02) packages for this product:

    • Plan for Death cover Rs. 300,000
    • Plan for Death cover Rs. 500,000
    • All individuals intending to perform Hajj &/or Umrah are eligible for this coverage. (Children below 18 years and traveling with parents are covered on the basis of form ‘B’)
    • Insured’s age of coverage is maximum up to 65 years.

    The Coverage is available on Individual basis for following stay limits:

    • Up to 15 days
    • 16 - 30 days
    • 31 – 45 days
  • Product Plans with Limits

    Sr. No.BenefitsPlan A (PKR)Plan B (PKR)
    1 Accidental Death and Permanent Total Disability 300,000 500,000
    2 Hospitalization 75,000 150,000
    3 Burial & Repatriation* 50,000 100,000
    4 Loss of Checked in Baggage 20,000 40,000
    5 Loss of Cash 10,000 20,000

    * In case of Natural Death only

  • Premium Table

    Sr. No.Maximum Stay LimitPlan A (PKR)Plan B (PKR)
    1 Upto 15 days 250 475
    2 16 – 30 days 500 950
    3 31 – 45 days 700 1,350

Ziarat Travel Brief

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  • Viacare Travel Insurance – Ziarat Plan

    Ziarat Plan is a unique product from the bouquet of Jubilee General Insurance, designed to cover your sacred trips to Iraq & Iran. This policy provides monetary compensation to the dependents of the pilgrims against any unfortunate event.

  • Main Feature of Via Care Travel Insurance Ziarat Plan

    • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness during the pilgrimage
    • Accidental Death and Permanent Total Disability due to act of Terrorism
    • Personal Accident (Accidental Death & Permanent Disability) inclusive of Terrorism cover
    • Death Burial & Repatriation expense
    • Baggage & Cash Loss
  • Package Types

    There are two (02) packages for this product:

    • Plan for Death cover Rs. 300,000
    • Plan for Death cover Rs. 500,000
    • All individuals intending to perform pilgrimage activity are eligible for this coverage. (Children below 18 years and traveling with parents are covered on the basis of form ‘B’)
    • Insured’s age of coverage is maximum up to 65 years.

    The Coverage is available on Individual basis for following stay limits:

    • Up to 15 days
    • 16 - 30 days
    • 31 – 45 days
  • Product Plans with Limits

    Sr. No.BenefitsPlan A (PKR)Plan B (PKR)
    1 Accidental Death and Permanent Total Disability 300,000 500,000
    2 Accidental Death and Permanent Total Disability due to act of Terrorism 300,000 500,000
    3 Hospitalization 75,000 150,000
    4 Burial & Repatriation* 50,000 100,000
    5 Loss of Checked in Baggage 20,000 40,000
    6 Loss of Cash 10,000 20,000

    * In case of Natural Death only

  • Premium Table

    Sr. No.Maximum Stay LimitPlan A (PKR)Plan B (PKR)
    1 Upto 15 days 500 1000
    2 16 – 30 days 1000 2000
    3 31 – 45 days 1500 2500

Travel FAQs

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  • Why should I buy ViaCare Travel Insurance?

    Because we offer variety of benefits to protect you & your family from various perils ranging from emergencies away from your home to loss of baggage and flight delay. Also, it is mandatory to carry ViaCare Travel Insurance when flying to certain countries.

  • Up to what age does this policy cover?

    Insured’s age of coverage under this policy is up to 65 years.

  • How many family members can be covered in a family package?

    ViaCare family packages include the insured, spouse and up to 4 children aged between 6 months to 18 years.

  • How do I pay for my policy?

    The payment is done upfront either with a credit card or by paying cash on delivery.

  • What is the stay limit for multiple trip packages?

    Maximum stay limit for multiple trip packages is 92 days. This applies even for the yearly policies.

  • What medical expenses are covered in case of an emergency?

    Company shall pay medical, pharmaceutical, hospitalization as well as the ambulance expenses from the place of the accident to the nearest medical center in case of any emergency.

  • How do I renew my annual ViaCare policy?

    This policy can be renewed at the end of the year through our website.

  • What company will pay in case of delayed baggage?

    We will pay for emergency replacement of clothing, medication and toiletries if the baggage is temporarily lost in transit during the outward journey and not returned to you within 12 hours provided a written consent is sent to us by the airline company.

  • In case of delayed departure what would the company pay?

    If you are delayed for at least 8 hours from the scheduled time of departure due to strike, industrial action, adverse weather conditions, mechanical breakdown or technical fault, we will pay upto the limits mentioned in the schedule.

  • Can I buy domestic travel insurance from Jubilee General?

    Yes, we do have a domestic travel plan that covers you if you are traveling domestically by air. The plan offers coverage for up to 30 days of your travel and has a wide range of covers to offer.

  • What are the major risks covered under a domestic travel policy?

    There are six main covers being offered in our domestic travel policy, namely:

    • Personal accident
    • Accidental Medical reimbursement
    • Emergency Medical Evacuation
    • Repatriation of Mortal Remains
    • Loss of Baggage
    • Loss of C.N.I.C
  • What is the eligibility age for a Student ViaCare policy?

    To be eligible for this policy you should age between 18-50 years.

  • What is covered under a Student ViaCare plan?

    The main covers being offered in our Student travel policy are as follows:

    • Medical expenses for accident/sickness, covers hospitalization expenses for accident or illness abroad
    • Personal accident (accidental death & permanent disability)
    • Tuition assurance
    • Travel & stay over of one immediate family member
    • Medical evacuation
    • Death repatriation
    • Baggage & passport loss & delay
    • Specialty assist 24-hour assistance
    • Tuition assurance

Critical Illness Participant’s Membership Wording

Please Click Here for Participant’s Membership Wording.

FamilyCare Health Participant’s Membership Wording

Please Click Here for Participant’s Membership Wording.

PersonalCare Health Participant’s Membership Wording

Please Click Here for Participant’s Membership Wording.

ParentCare Health Participant’s Membership Wording

Please Click Here for Participant’s Membership Wording.

HerCare Health Participant’s Membership Wording

Please Click Here for Participant’s Membership Wording.

Critical Illness Brief

Please Click Here for Policy Brief.

FamilyCare Health Brief

Please Click Here for Policy Brief.

PersonalCare Health Brief

Please Click Here for Policy Brief.

HerCare Health Participant’s Membership brief

Please Click Here for Participant’s Membership brief.

Discount Centers

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  • LIST OF DISCOUNT CENTRES FOR JUBILEE HEALTH CARD

    S.NoMedical Centre NameCityAddressDiscount %Discount on Facility
    1 Medilife Clinic Karachi 63-C/2, 24th Street, Touheed Commercial Phase 5, D.H.A 20 - 25% Laser Procedure
    2 Akhtar Eye Clinic Karachi Gulshan e Iqbal Block 5, Karachi 20% Consultation
    3 Citylab Diagnostic Center Karachi Shop # 12/A, Sector 11-H, K.D.A Flats, Nagan Chowrangi, North 30% Labs
    4 Citylab Diagnostic Center Karachi 8, Navy Heights, Near Jinnah Hospital Cantt, Karachi 30% Labs
    5 Citylab Diagnostic Center Karachi 4&5, Block 2, Defence Garden Appt. Phase 1, D.H.A, Karachi 30% Labs
    6 Citylab Diagnostic Center Karachi 10/A, ST/2, KDA Flats, Nagan Chawrangi, Karachi 30% Labs
    7 Citylab Diagnostic Center Karachi 30, Abbas Square, Ayesha Manzil, F.B Area, Karachi 30% Labs
    8 Citylab Diagnostic Center Karachi A-7, Rabia Flower, Isphani Road, Karachi 30% Labs
    9 Citylab Diagnostic Center Karachi Chand Bibi Road, Adjecent Civil Hospital, Karachi 30% Labs
    10 Citylab Diagnostic Center Karachi Khurram Tarace, Opp. Abbas Shaheed Hospital Karachi 30% Labs
    11 Citylab Diagnostic Center Karachi Dr.'s Plaza, Block C-1, M.A Jinnah Road, Karachi 30% Labs
    12 Dembra Dental Clinic Karachi Glass tower, teen talwar, Karachi. 30% All Dental Procedures & Consultation
    13 Essa Lab Abul Hasan Isphahani Centre Karachi A-1/3 Block 4, Main Abul Hassan Isphahani Road, Gulshan-e-Iqbal 20% Labs
    14 Essa Lab Ayesha Manzil Centre Karachi Suite # CS 19/02, Block 7, Ali Apartments, F.B. Area, Karachi 20% Labs
    15 Essa Lab Civil Hospital Centre Karachi Suite # 1-3, Asif Square, Baba-e-Urdu Road, Opp. Civil Hospital, Karachi 20% Labs
    16 Essa Lab Gulistan-e-Johar Centre Karachi S B 1, Suite # 2, Javed Arcade, Block 17, Gulistan-e-Johar, Karachi 20% Labs
    17 Essa Lab Gulshan Centre Karachi FL-3/9, Ground Floor, Block 5, Main Rashid Minhas Rd, Near Mr. Burger, Gulshan-e-Iqbal, Karachi. 20% Labs
    18 Essa Lab Main Centre Karachi B-122 (Blue Building), Block-H, Shahra-E-Jahangir, Near Five Star, North Nazimabad, Karachi. 20% Labs
    19 Essa Lab Medilink Centre Karachi Suite # 103, 1st Floor, The Plaza, 2 Talwar, Khayaban-e-Iqbal, Main Clifton Rd, Karachi. 20% Labs
    20 Essa Lab Safoora Centre Karachi Billy's Arcade, Suite # 145-146, Main University Road, KDA Scheme 33, Adjacent to Johar Complex, Karachi. 20% Labs
    21 Essa Lab Shah Faisal Centre Karachi A1 Building, A1 chowk, Near UBL Bank, Naseerabad, Shah Faisal 20% Labs
    22 Essa Lab Hussainabad Centre Karachi Suite#2, Plot#480, Block#2, Saddiqabad, F.B Area, Memon Col 20% Labs
    23 Essa Lab Karachi Institute of Heart Diseases Karachi Street-15, Block-16, F.B Area Karachi. 20% Labs
    24 Essa Lab Zamzama Centre Karachi Suite # 2, Plot 8-C (Beside Aijaz Boutique), 4th Zamzama Com 20% Labs
    25 Khitchi Memon Diagnostic Centre Karachi Ranchodpuri Road, Bheempura Karachi 30% Labs & Diagnostics
    26 Shamsi Hospital Karachi Shamsi Cooperative Housing Society, Opp. Jinnah Int. Airport, Wireless Gate, Karachi. 5% Labs
    27 Sindlab Arc Collection Unit Karachi ARC Building, Behind Hamdard (Taj) Medical Complex, M. A. Ji 10-20% Labs
    28 Sindlab Clifton Branch Karachi Hilal-e-Ahmar, Teen Talwar, Clifton, Karachi. 10-20% Labs
    29 Sindlab DHA Collection Unit: Karachi P-38/A, 10th street, Off. Rahat, DHA phase 6, Adjacent Clifton Contonment Board. 10-20% Labs
    30 Sindlab Gulshan Branch Karachi SB-10/13-C, University Road, Adjacent Ashfaq Memorial Hospital 10-20% Labs
    31 Sindlab Gulshan-e-Hadeed Collection Unit Karachi Main Road Phase 2, Karachi. 10-20% Labs
    32 Sindlab Main branch Karachi Z-74, DMC Society, Tariq road, Karachi. 10-20% Labs
    33 JP CT Scan & Diagnostic Center Karachi APWA Complex near Ankelseria Hospital Garden Road Karachi 15% Lab & Radiology (CT Scan, MRI, and other services)
    34 DRC MRI MRA Scan Centre Karachi ISM Building, Opp: Ankle Saria Hospital, Garden Road, Karachi 15% Radiology (MRI)
    35 JP’s MRI Scan Centre Karachi Chandni Chowk near New Town Liaquat National Hospital Road 15% Radiology
    36 JP’s CT MRI MRA & Lithotripsy Centre Karachi Hilal e Ahmar House, Teen Talwaar, Clifton, Karachi. 15% Radiology
    37 JP CT Scan Centre-2 Karachi Malir Kalaboard Karachi 15% Radiology
    38 Al-Razi Healthcare Laboratory Lahore 9-Gulshan Block, Main Boulevard, Allama Iqbal Town, Lahore 10-20% Labs
    39 Al-Razi Healthcare Main Centre Lahore 2-C-11, M.M Alam Road, Gulberg III, Lahore 10-20% Labs & Diagnostics
    40 Al-Razi Healthcare Satellite Centre Lahore 335-Z, Commercial Area, DHA, Lahore 10-20% Labs & Diagnostics
    41 Chughtais Lahore Lab Lahore HEAD OFFICE 10-Jail Raod, Main Gulberg Lahore 20% Labs
    42 Chughtais Lahore Lab Lahore Opp: Main Emergency Gate, Services Hospital, Jail Road Lahore 20% Labs
    43 Chughtais Lahore Lab Lahore 4 Gulshan Block, Main Boulevard, Allama Iqbal Town Lahore 20% Labs
    44 Chughtais Lahore Lab Lahore Ammar Medical Complex 8-Jail Road Lahore. 20% Labs
    45 Chughtais Lahore Lab Lahore Mian Walton Road Sharif Market Lahore 20% Labs
    46 Chughtais Lahore Lab Lahore Opp: Muslim Commercial Bank Dubai Chowk Saddar Lahore 20% Labs
    47 Chughtais Lahore Lab Lahore National Hospital 132-L Block DHA Lahore 20% Labs
    48 Chughtais Lahore Lab Lahore 34-Y Block DHA Lahore 20% Labs
    49 Chughtais Lahore Lab Lahore Bank Square Market, C-Block Model Town Lahore 20% Labs
    50 Chughtais Lahore Lab Lahore Naseer Hospital 16-Ahmad Block Garden Town Lahore 20% Labs
    51 Chughtais Lahore Lab Lahore 13-B Nisbat Raod Opp: Mayo Hospital Lahore 20% Labs
    52 Chughtais Lahore Lab Lahore 513-A Faisal Town Opp: Jinnah Hospital Lahore 20% Labs
    53 Chughtais Lahore Lab Lahore Timber Market Ravi Road Lahore 20% Labs
    54 Chughtais Lahore Lab Lahore 257-Rewaz Garden Lahore 20% Labs
    55 Chughtais Lahore Lab Lahore Shalimar Link Road Opp: Shalimar Hospital Lahore 20% Labs
    56 Chughtais Lahore Lab Lahore Hafeez Poly Hospital Nespak Colony Lahore 20% Labs
    57 Chughtais Lahore Lab Lahore 103-Allama Iqbal Road, Ghari Shahu, Lahore 20% Labs
    58 Chughtais Lahore Lab Lahore 456-G-4, Johar Town, Khokhar Chowck, Lahore 20% Labs
    59 Chughtais Lahore Lab Lahore Multan Chungi, Opp: Mansooran Hospital, Lahore 20% Labs
    60 Chughtais Lahore Lab Lahore 154-B West Wood, Riwand Road,Thokar Niaz Baig, Lahore 20% Labs
    61 Chughtais Lahore Lab Lahore Liaqat Chowck Near Kashmir Bazar, Sabzazar, Lahore 20% Labs
    62 Chughtais Lahore Lab Lahore Block A-1, Commercial Area, Valancia Town Lahore 20% Labs
    63 Chughtais Lahore Lab Lahore Opp: National Hospital, Chowk Nakuda Shadbagh, Lahore 20% Labs

Panel Hospital List

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  • ABBOTTABAD

    S.NoNameAddressPhone No
    1 HIRA GENERAL HOSPITAL LINK ROAD, THE MALL, ABBOTTABAD 0992-336063
    2 JINNAH INTERNATIONAL HOSPITAL MURREE ROAD, ABBOTTABAD 0992-390101
    3 VALLEY MEDICAL COMPLEX MAIN MANSEHRA ROAD, MIRPUR, ABBOTTABAD 0992-385418-9
  • ATTOCK

    S.NoNameAddressPhone No
    1 PAKISTAN OIL FIELDS LIMITED HOSPITAL KHAUR, DISTT ATTOCK 057-2570685
  • BADIN

    S.NoNameAddressPhone No
    1 SHAHAB WELFARE MEDICAL CENTER DCO, BY PASS ROAD, BADIN 0297-870566
  • BHAWALPUR

    S.NoNameAddressPhone No
    1 DOCTORS HOSPITAL 2A-C BLOCK, MODEL TOWN, BAHAWALPUR 062-2200565
    2 FARAZ HOSPITAL MUHAMMAD BIN QASIM ROAD, MODEL TOWN "A", BAHAWALPUR 062-2885604-5
    3 THE AGA KHAN FAMILY HEALTH CENTRE MOHALLAH BUKHARI SHAIKHA, BAHAWALPUR 062-2551065
  • CHITRAL

    S.NoNameAddressPhone No
    1 AKEFHC - SHOGHORE SHOGHORE 0346-9895883
    2 BONI MEDICAL CENTRE CHITRAL 0943-470756
    3 RURAL HEALTH CENTRE - SHAHGRAM TORKHOW SHAHGRAM TORKHOW, UPPER CHITRAL 0943-476074
    4 RURAL HEALTH CENTRE - MASTUJ MASTUJ, UPPER CHITRAL 0943-486323
    5 THQ HOSPITAL AGA KHAN - GARAMCHASHMA GARAMCHASHMA, CHITRAL 0346-9893243
  • DERA GHAZI KHAN

    S.NoNameAddressPhone No
    1 D. G. EYE & GENERAL HOSPITAL INNER BALAKH SARWAR CITY, KFC STREET, DERA GHAZI KHAN 064-2470114
  • DERA ISMAIL KHAN

    S.NoNameAddressPhone No
    1 REHMANIA HOSPITAL & ABIDA MATERNITY HOME NEAR TOWN HALL, JAIL ROAD, DERA ISMAIL KHAN 0966-720340
    2 SHIFA HOSPITAL & MATERNITY HOME DHQ HOSPITAL, SOUTH CIRCULAR ROAD, DERA ISMAIL KHAN 0966-713441
  • FAISALABAD

    S.NoNameAddressPhone No
    1 AZIZ FATIMA HOSPITAL RAJA ROAD, GULISTAN COLONY, FAISALABAD 041-8780910, 8845466, 8845450
    2 FAISAL HOSPITAL 673-A, PEOPLES COLONY, FAISALABAD 041-8719677-8
    3 HILAL-E-AHMAR HOSPITAL OPP. LADY BAGH, UNIVERSITY ROAD, FAISALABAD 041-9201475-6
    4 MIAN MUHAMMAD TRUST HOSPITAL SARGODHA ROAD, FAISALABAD 041-2408912-3
    5 MUJAHID HOSPITAL 103- ROAD, MADINA TOWN, FAISALABAD 041-8715364, 8541364
    6 NATIONAL HOSPITAL JINNAH COLONY, FAISALABAD 041-111-674-674
    7 RATHORE HOSPITAL SARGODHA ROAD, FAISALABAD 041-8861326, 8862326, 8846296
    8 REHMAN MATERNITY HOME & GENERAL HOSPITAL 2KM KHURRIANWALA,FAISALABAD ROAD 041-4360138-39
    9 SAAHIL LIMITED SAAHIL BUILDING 1, SHEIKHUPURA ROAD, FAISALABAD 041-8782040-45
    10 SHIFA INTERNATIONAL FAISALABAD 11KM, JARANWALA ROAD, FAISALABAD 041-8740951-60
    11 YOUNG WELFARE HOSPITAL OKARA BYPASS, FAISALABAD ROAD 041-3425333, 3425334
  • GILGIT

    S.NoNameAddressPhone No
    1 AGA KHAN EXTENDED FAMILY HEALTH CENTRE GUPIS,DISTRICT GHIZER 05814-455046
    2 AGA KHAN EXTENDED FAMILY HEALTH CENTRE ALIABAD HUNZA, GILGIT 05813-455495
    3 AGA KHAN MEDICAL CENTRE SINGAL PUNIAL,DISTRICT GHIZER 05814-400013
    4 AGA KHAN MEDICAL CENTRE GILGIT NEAR KARAKURUM INTERNATIONAL UNIVERSITY (KIU), NOMAL ROAD, CHILMIS DAS, GILGIT 0355-5609549
    5 DHQ HOSPITAL HOSPITAL ROAD, GILGIT  
    6 FAMILY HEALTH HOSPITAL ZULFIQARABAD, GILGIT 05811-920332
    7 CITY HOSPITAL RIVER VIEW ROAD, GILGIT 0333-2686751
    8 SEHAT FOUNDATION HOSPITAL MAIN KKH, SHARKOT, DANYORE, GILGIT 05811-459997, 05811-456977
  • GHOTKI

    S.NoNameAddressPhone No
    1 BISMILLAH MEDCIAL COMPLEX QADIRPUR ROAD, NEAR MAIN POST OFFICE, GHOTKI 0723-681722, 682096
  • GUJRANWALA

    S.NoNameAddressPhone No
    1 CHAUDHRY HOSPITAL 28-D,SATELLITE TOWN, GUJRANAWALA 055-3842363, 3253901
    2 GONDAL MEDICAL COMPLEX HOSPITAL ROAD, GUJRANWALA 055-3258403, 3251056
    3 MEDCARE INTERNATIONAL HOSPITAL GILL ROAD, CIVIL LINES, GUJRANWALA 055-3732032
    4 SALAMAT HOSPITAL 126-D,DASTAGIR ROAD,SATELLITE TOWN, GUJRANWALA 055-3258497, 3734666
  • GUJRAT

    S.NoNameAddressPhone No
    1 RAMISHA HOSPITAL INSIDE FIVE STAR PLAZA, GULSHAN-E-MADINA ROAD, GUJRAT 053-3510185
  • HARIPUR

    S.NoNameAddressPhone No
    1 YAHYA WELFARE COMPLEX HOSPITAL HABIB PLAZA, G. T. ROAD, HARIPUR 0995-614085, 627915
  • HYDERABAD

    S.NoNameAddressPhone No
    1 AGA KHAN HOSPITAL AND MEDICAL COLLEGE PLOT # 4/2, JAMSHORO ROAD, HYDERABAD 022-2614172, 2100574
    2 BONE CARE TRAUMA CENTRE NEAR MASJID-E-QUBA,BHURGARI ROAD, HYDERABAD 022-2613965, 2635000
    3 MAAJEE HOSPITAL AUTOBHAN, LATIFABAD NO. 8, HYDERABAD 022-3408001-3, 3408059
    4 RED CRESCENT CARDIAC HOSPITAL UNIT NO 2, LATIFABAD, HYDERABAD 022-3816000, 3862727
    5 RED CRESCENT GENERAL HOSPITAL UNIT NO 6, LATIFABAD, HYDERABAD 022-3818973, 3818974
    6 WALI BHAI RAJPUTANA HOSPITAL JAMSHORO ROAD, HYDERABAD 022-3668740, 3668743, 3668747
  • ISLAMABAD

    S.NoNameAddressPhone No
    1 ISLAMABAD MEDICURE HOSPITAL PLOT # 15-16, FECHS E-11/2 MARKAZ, ISLAMABAD 051-2304952
    2 KULSOOM INTERNATIONAL HOSPITAL KULSUM PLAZA, 2020 BLUE AREA, JINNAH AVENUE, ISLAMABAD 051-2342190, 2870361
    3 MAROOF INTERNATIONAL HOSPITAL 10TH AVENUE, F-10 MARKAZ, ISLAMABAD 051-2222920-49 UAN 111-644-911
    4 MAXHEALTH HOSPITAL BUILDING # 12, MARKAZ ROAD, G-8 MARKAZ, ISLAMABAD 051-8094760-6
    5 SHIFA INTERNATIONAL HOSPITAL SECTOR H-8/4, ISLAMABAD 051-4603666, 4603129
    6 QUAID-E-AZAM INTERNATIONAL HOSPITAL NEAR GOLRA MORR, ADJACENT FROEBELS SCHOOL, PESHAWAR ROAD, ISLAMABAD 051-8449100
    7 RAWAL INSTITUTE OF HEALTH SCIENCES LEHTRAR ROAD, KANNA DAK, ISLAMABAD 051-2617386
  • KARACHI

    106 51108 53
    S.NoNameAddressPhone No
    1 ADVANCE RADIOLOGY CLINIC PVT LIMITED BEHIND HAMDARD UNIVRSITY HOSPITAL, KARACHI 021-32783535-36
    2 ADVANCED EYE CLINIC 17-C/1, BLOCK 6, PECHS, KARACHI 021-34540999
    3 AGA KHAN HOSPITAL AND MEDICAL COLLEGE (GARDEN) 515, GOLD STREET,,OFF BRITTO ROAD, GARDEN ROAD, KARACHI 021-2251302
    4 AGA KHAN HOSPITAL AND MEDICAL COLLEGE (KARIMABAD) ST-6/D,BLOCK 7,SHAHRAH-E-PAKISTAN,F.B.AREA, KARACHI 021-36323465, 03111-222272, 33100006
    5 AGA KHAN HOSPITAL AND MEDICAL COLLEGE (KHARADAR) ATMARAM PRETAMDAS ROAD, KARACHI 021-32542182
    6 AHMED MEDICAL COMPLEX & MATERNITY HOME C-17, BLOCK 13, NEAR WATER PUMP CHORANGI, F. B. Area, KARACHI 021-36361011, 36366099, 36800896
    7 AKHTER’S EYE HOSPITAL RASHID MISNHAS ROAD, BLOCK 5 GULSHAN-E-IQBAL, KARACHI 021-34813647, 34973907, 34813368, 34963801
    8 AL HADEED MEDICAL CENTER 794-A,PHASE 1,GULSHAN-E-HADEED, KARACHI 021-34713800, 0333-2074133
    9 AL-MUMTAZ MEDICAL COMPLEX 25/423, DARAKHSAN SOCIETY, KALA BOARD BUS STOP, MALIR, KARACHI 021-34510199, 34404040-26
    10 ASHFAQ MEMORIAL HOSPITAL SB-9, 13/C, UNIVERSITY ROAD, KARACHI 021-34822261-65
    11 ASIF EYE HOSPITAL MEZZANINE FLOOR 6, WEST LAND APPT., 390/-3, ALAMGIR ROAD, ADJ. BEACON HOUSE SCHOOL, BHADURABAD, KARACHI 021-34937064, 34944530
    12 ATIA GENERAL HOSPITAL 48, MALIR TOWNSHIP, KALABOARD, MALIR, KARACHI 021-34400726, 34402207, 0333-4501700
    13 BURHANI HOSPITAL TAYYABJEE ROAD,GARI KHATA, KARACHI 021-32214418, 32212574
    14 BOULEVARD HOSPITAL 140, 17 EAST STREET, OFF. MAIN KORANGI ROAD, PHASE I, D.H.A., KARACHI 021-35311691-9
    15 CHINIOT GENERAL HOSPITAL KORANGI TOWNSHIP, KARACHI 021-35063443
    16 CLIFTON KIDNEY & GENERAL HOSPITAL PARKLANE HOSPITAL, 56 OLD CLIFTON, KARACHI 021-35837965
    17 DARUL SEHAT HOSPITAL ST-19, BLOCK 15,KDA SCHEME NO 36, GULISTAN-E-JOHAR, KARACHI 021-34610271
    18 DARUL SHIFA GENERAL HOSPITAL JAFAR-E-TAYYAR CO-OPERATIVE HOUSING SOCIETY, MALIR, KARACHI 021-34508390-91
    19 DR AKIL BIN ABDUL KADIR WELFARTE EYE HOSPITAL ST 7, BLOCK 4, GULSHAN-E-IQBAL, KARACHI 021-34983626
    20 DR FASIH ENT HOSPITAL A-28 KALABOARD, MALIR, KARACHI 021-35403754, 34404001
    21 DR. S. D. ANKLESARIA EYE HOSPITAL 53, KATRAK PARSI COLONY, JAMSHED QUARTERS, M. A. JINNAH ROAD, KARACHI 021-32250722, 32250387
    22 DR. ZIAUDDIN HOSPITAL ST-16,BLOCK B, NORTH NAZIMABAD, KARACHI 021-36648237-9
    23 DR-ZIAUDDIN HOSPITAL GROUP OF HOSPITAL, CLIFTON ST-4/BLOCK-6SCHEME 5-CLIFTON, KARACHI 021-35862937-9
    24 DR-ZIAUDDIN HOSPITAL GROUP OF HOSPITAL, KEMARI PLOT NO33,BEHIND KPT HOSPITAL, KEMARI, KARACHI 021-32851881, 32851630
    25 EAST SIDE HOSPITAL PLOT NO 30/1,SECTOR 23. KORANGI INDUSTRIAL AREA, KARACHI 021-35115563-69
    26 FAIZ REHMAN HOSPITAL METRO VILL NO. 1, S.I.T.E., KARACHI 021-36753407, 36751650
    27 FATMIYAH HOSPITAL 272/2,BRITTO ROAD, GARDEN EAST, KARACHI 021-32252321
    28 GOOLBANOO & DR. BURJOR ANKLESARIA NURSING HOME GARDEN ROAD, KARACHI 021-32720371-4
    29 HABIB MEDICAL CENTRE BS /3,BLOCK-4 FEDERAL B AREA,KARACHI 021-36349678-83
    30 HASHMANIS HOSPITAL JM-75. OFF M.A. JINNAH ROAD, KARACHI 021-32781124, 32780335, 3291152-54
    31 HILL PARK GENERAL HOSPITAL S.N.C.C., 3/4, BLOCK 3, SHAHEED-E-MILLAT ROAD, KARACHI 021-34391141
    32 HOLY FAMILY HOSPITAL AFRIDI S. J. SHAHEED ROAD, SOLDIER BAZAR, KARACHI 021-32258991-94
    33 HOPE HOSPITAL BANGLOW NO. 41-A, AMIL COLONY, NO. 1, GURUMANDIR, KARACHI 021-32243889, 32239930
    34 IBN-E-SEENA HOSPITAL ST 22/B, BLOCK-6, UNIVERSITY ROAD, GULSHAN-E-IQBAL, KARACHI 021-34992706, 34992640, 34979067
    35 IFTAKHAR MEMORIAL HOSPITAL B-71, GULSHAN-E-HADEED, PHASE II, KARACHI 021-334715283
    36 IMAM CLINIC ST-5, BLOCK I, NORTH NAZIMABAD, KARACHI 021-36637060, 36706018-21, 36625111
    37 IMAM ZAINULABIDIN HOSPITAL C/42,-43, RIZVIA SOCIETY, KARACHI 021-36608991, 36622750
    38 INFINITY EYE CARE CENTRE SUIT NO. 5, GROUND FLOOR, CLIFTON GARDEN # 1, BLOCK 3, CLIFTON, KARACHI 021-35865220-21
    39 INSTITUTE OF ORTHOPAEDICS & SURGERY (PVT.) LIMITED 187-C, BLOCK II,PECHS, KARACHI 021-34315407-11
    40 JINNAH MEDICAL COLLEGE HOSPITAL SR-6,SECTOR 7-A,KORANGI INDUSTRIAL AREA, KARACHI 021-35071854-56-58
    41 JP'S CT SCAN, MRI, MRA & LITHOTRIPSY CENTRE HILAL-E-AHMER HOUSE, TEEN TALWAAR, CLIFTON, KARACHI 021-35306061
    42 KARACHI ADVENTIST HOSPITAL 91, DEPOT LINES, M.A JINNAH ROAD, KARACHI 021-32258021, 32236752-58
    43 KHALID EYE CLINIC 4-F, 10/5, NAZIMABAD, KARACHI 021-36602527
    44 KHARADAR GENERAL HOSPITAL NAWAB MAHATAB KHANJI ROAD, KARCHI 021-32510113-6
    45 KORANGI LANDHI MEDICAL CENTRE PLOT NO. 13-35, MAIN ROAD, ZAMAN TOWN, KORANGI 5, KARACHI 021-35068717, 35062242
    46 KUTIYANA MEMON HOSPITAL AGA KHAN, G ALLANA ROAD, KHARADAR, KARACHI 021-32313835-7
    47 LADY DUFFERIN HSOPITAL CHAND BIBI ROAD, NANAKWARA, KARACHI 021-38798711-15
    48 LIAQUAT NATIONAL HOSPITAL STADIUM ROAD, KARACHI 021-111-456-456, 34939612-14
    49 LIFE CARE CONSULTING CLINICS 18-C, MEZZANINE FLOOR, 21ST EAST STREET, PHASE 1, D.H.A., OFF MAIN KORANGI ROAD, KARACHI 021-35396808-10, 37675303
    50 LIFE CARE MEDICAL CENTRE NEAR POLICE STATION, ORANGI TOWN, KARACHI 021-36761555-8, 36656300
    51 M. HASHIM MEMORIAL TRUST - NEUROSPINAL & CANCER CARE INSTITUTE 100/1 DEPOT LINES, MAINSFIELD STREET, KARACHI 021-32259959, 32255289
    52 MAMJI HOSPITAL C-19,BLOCK 17,FEDERAL "B" AREA, KARACHI 021-36804777, 36363365
    53 MEDICARE CARDIAC & GENERAL HOSPITAL 22-23, SHAHEED-E-MILLAT ROAD, KARACHI 021-34931886
    54 MEDICENTER GENERAL HOSPITAL 78/L, BLOCK 2, P.E.C.H.S., KARACHI 021-34315652-4
    55 MEMON MEDICAL INSTITUTE HOSPITAL HAIDER BUKHSH GABOL ROAD, SAFORAH GOTH KDA SCHEME 33,KARACHI 021-34691147-54, 94691159-64
    56 MURSHID HOSPITAL & HEALTHCARE CENTRE HUB RIVER ROAD, MUJAHIDABAD (MOACH GOTH), KARACHI 021-36172704
    57 NATIONAL MEDICAL CENTRE A-5/A,NATIONAL HIGHWAY,PHASE 1, KARACHI 021-111-222-662,35380000-3 , 35380270-5
    58 NAZEER HUSSAIN MEDICAL COMPLEX ST. 7, BLOCK 14, FEDERAL "B" AREA, KARACHI 021-36811164
    59 NOOR HOSPITAL S.T.11/19,ALNOOR SOCIETY,F.B.AREA, KARACHI 021-36362132, 36362392
    60 ORTHOPAEDIC AND MEDICAL INSTITUTE (PRIVATE)LIMITED 89/1, DEPOT LINES, KARACHI 74400 021-2258075-79
    61 PARK LANE HOSPITAL 56 OLD CLIFTON, SHAHRAH-E-IRAN, KARACHI 021-111-222-911
    62 PATEL HOSPITAL ST-18, BLOCK 4, GULSHAN-E-IQBAL, KARACHI 021-111-174-174, 34816913-18
    63 PECHS TRAUMA & GENERAL HOSPITAL IN BETWEEN RAW NO.258/1 &1/4. BLOCK 6, PECHS, KARACHI 021-34310870-72
    64 RAHIM HOSPITSL C-38, BLOCK 13, FEDRAL B AREA KARACHI 021-36368855, 36344610
    65 REMEDIAL HOSPITAL D-9, BLOCK I, NORTH NAZIMABAD, KARACHI 021-36633834
    66 RIDA MEDICAL CENTRE ST-6, WASEEM BAGH, BLOCK 13/D-2, GULSHAN-E-IQBAL, KARACHI 021-34986552-3-4-5
    67 S.O.M FAUJI FOUNDATION HOSPITAL SHAH FAISAL COLONY NO. 2, KARACHI 021-99248701-03, 99248257
    68 SAMBROS HOSPITAL D-177, BLOCK 4, FEDERAL "B" AREA, KARACHI 021-36806624, 36803577, 36808747
    69 SHAMSI HOSPITAL SHAMSI COOPERATIVE HOUSING SOCIETY, KARACHI 021-34601161-62
    70 SOUTH CITY HOSPITAL ST-1, BLOCK 3, SHAHRAH-E-FIRDOUSI, CLIFTON, KARACHI 021-35374074
    71 T.O. CLINIC ST. # 1, BLOCK 6, GULSHAN-E-IQBAL, KARACHI 021-111-499-111 , 021-34994691-4
    72 TABBA HEART INSTITUTE ST-01, BLOCK # 2, FEDERAL "B" AREA, KARACHI 021-111-844-844, 36811842-50
    73 TABBA KIDNEY INSTITUTE ST-26, BLOCK 7, FEDERAL "B" AREA, KARACHI 021-36333036-42
    74 TAHIR MEDICAL CENTER 4 19/A, AMEER KHOSRO ROAD, CP BERAR SOCIETY, KARACHI 021-34380161-64
    75 TAJ MEDICAL COMPLEX & HAMDARD UNIVERSITY HOSPITAL M.A.JINNAH ROAD, KARACHI 021-32728168-72
    76 THE AGA KHAN UNIVERSITY HOSPITAL STADIUM ROAD, KARACHI 021-34930051-65
    77 THE KIDNEY CENTRE 179/9, RAFIQUE SHAHEED ROAD, KARACHI 021-35661000-10
    78 THE MEDICALL GENERAL HOSPITAL 16, SECTOR 11-B, NORTH KARACHI, KARACHI 021-36980149
    79 USMAN MEMORIAL HOSPITAL STREET NO 12, BLOCK 1,HUSSAINABAD, KARACHI 021-36313323 / 36318165
    80 ZUBAIDA MEDICAL CANTRE GHAZI SALAHUDDIN ROAD, C. P. BERAR SOCIETY, NEAR DHORAJI COLONY, KARACHI 021-34938241-43
  • KHANEWAL

    S.NoNameAddressPhone No
    1 NATIONAL NETWORK FOR SOCIAL SERVICES (NOREEN NISHAT WELFARE HOSPITAL) CHAH NIAZI WALA, KHANEWAL 065-2551112
  • KHARIAN

    S.NoNameAddressPhone No
    1 KHARIAN DOCTORS HOSPITAL NEAR QUICK CNG. MAIN G. T. ROAD, KHARIAN 053-7601487, 0331-5900041
  • KOTLI

    S.NoNameAddressPhone No
    1 ALAM MEMORIAL HOSPITAL NEAR LARI ADDA, OPPOSITE GIRLS DEGREE COLLEGE, KOTLI, AZAD KASHMIR 05826-445656
  • LAHORE

    S.NoNameAddressPhone No
    1 AADIL HOSPITAL MEZANINE FLOOR,MAIN BOLEVARD DEFENCE (L.C.C.H.S), LAHORE 042-111-223-454, 36667272-4
    2 AKRAM MEDICAL COMPLEX 2-B,MAIN GULBERG,AYESHA SIDDIQA ROAD 042-35710400-5
    3 AL-KHIDMAT MANSOORAH HOSPITAL MULTAN ROAD, LAHORE 042-35419510, 0333-4111620
    4 AL-RAZI HEALTH CARE 35-G, GULBERG III, LAHORE 042-8255500
    5 AL-SHAFI HOSPITAL 15, GULSHAN BLOCK, MAIN BOULEVARD, ALLAMA IQBAL TOWN, LAHORE 0321-4578778
    6 CAVALRY HOSPITAL 44-45 COMMERCIAL AREA CAVLARY GROUND, LAHORE 042-6652116-9
    7 CH. MUHAMMAD AKRAM TEACHING & RESEARCH HOSPITAL 17-KM, RAIWIND ROAD, LAHORE 042-111-000-078
    8 CITI HOSPITAL DEFENCE ROAD, MOHLANWAL. NEAR BAHRIA TOWN, LAHORE 042-35966602-3
    9 DOCTORS HOSPITAL & MEDICAL CENTRE 152A-G/1, CANAL BANK, JOHAR TOWN, LAHORE 042-35302701-14, 111-223-377
    10 FAMILY HOSPITAL 4, MOZANG ROAD, LAHORE 042-37233915-18
    11 FAROOQ HOSPITAL 2, ASIF BLOCK, MAIN ROAD, LAHORE 042-37813471
    12 FAROOQ HOSPITAL WEST WOOD BRANCH, LAHORE 042-37498293, 37498557
    13 FATIMA MEMORIAL HOSPITAL SHADMAN ROAD, GOR 3, SHAH JAMAL, LAHORE 042-111-555-600, 37566110, 37586196-97
    14 FAUJI FOUNDATION HOSPITAL BEDIAN ROAD LAHORE CANTT 042-99220291-3
    15 GHURKI TRUST TEACHING HOSPITAL JALLO MORE, LAHORE 042-36581406, 111-644-911
    16 HAFEEZ EYE CENTRE 12, SUNFLOWER, SOCIETY, J-1 BLOCK, JOHAR TOWN, LAHORE 042-35315524-25
    17 HAMEED LATIF HOSPITAL 14 ABU BAKAR BLOCK, NEW GARDEN TOWN, LAHORE 042-5862718, 5837014, 5837019
    18 HAMZA HOSPITAL 21- SHAMA ROAD, RASOOL PARK, LAHORE 042-37501597-99
    19 HAQ ORTHOPAEDIC HOSPITAL 18 SANDA ROAD, LAHORE 042-37312860-2
    20 HUSSAIN MEMORIAL HOSPITAL 105, MULTAN ROAD, LAHORE 042-37505082
    21 IQRA MEDICAL COMPLEX 5 A JOHAR TOWN, LAHORE 042-35173500, 35173600, 35173800
    22 ITTEFAQ TRUST HOSPITAL. NEAR BLOCK "H", MODEL TOWN, LAHORE 042-111-77-00-00, 35881381
    23 KHAIRUN NISA HOSPITAL FOUNDATION 17, CIVIC CENTRE, C BLOCK, FAISAL TOWN, LAHORE 042-35169727
    24 LAHORE MEDICAL COMPLEX 130-A-E1, MAIN BOULEVARD, GULBERG III, LAHORE 042-35784980-5
    25 MASOOD HOSPITAL 99 GARDEN BLOCK, GARDEN TOWN, LAHORE 042-5881961-3, 111-627-663
    26 MEDVISION HOSPITAL FORMERLY AMERICAN EYE HOSPITAL 3-A, NEW MUSLIM TOWN, LAHORE 042-5864024, 111-121-212
    27 MID CITY HOSPITAL FORMERLY CARDEX 3-A - JAIL ROAD, LAHORE 042-37426171-6
    28 MUMTAZ BAKHTAWAR MEMORIAL TRUST HOSPITAL OPP. ALLAMA IQBAL TOWN, WAHDAT ROAD, LAHORE 042-35434960-1
    29 MUMTAZ BAKHTAWAR MEMORIAL TRUST HOSPITAL 8TH K.M RAIWIND ROAD, LAHORE 042-35320561-62, 35321684, 35321675
    30 NASEER HOSPITAL 16-AHMED BLOCK, GARDEN TOWN, LAHORE 042-35883915-16
    31 NATIONAL EYE CENTRE 11-A, SANDHA ROAD, NEAR MAO COLLEGE, LAHORE 042-37171681-4
    32 NATIONAL HOSPITAL & MEDICAL CENTRE 132/12 BLOCK L NEAR SPORT STADIUM,DHA, LAHORE 042-111-171-819
    33 PRIME CARE HOSPITAL JINNAH AVENUE, SUPER TOWN, CAVALRY GROUND, LAHORE 042-36675124-7
    34 PUNJAB INSTITUTE OF CARDIOLOGY JAIL ROAD, LAHORE 042-9203051-60
    35 RASHEED HOSPITAL MAIN BOULEVARD, DEFENCE, LAHORE 042-36673192-96
    36 RAZA MEDICAL COMLEX JAIL ROAD, LAHORE 042-37572937
    37 SAIRA MEMORIAL HOSPITAL 1-M, CIVIC CENTRE, MODEL TOWN EXTENSION, LAHORE 042-35162546-9
    38 SARWET ANVER MEDICAL COMPLEX 2, TARIQ BLOCK, NEW GARDEN TOWN, LAHORE 042-35869265-6
    39 SHALAMAR HOSPITAL SHALAMAR LINK ROAD, LAHORE 042-111-205-205, 6817857-60
    40 SHARIF HOSPITAL BARKI ROAD, BHANGALI ADDA, LAHORE CANTT. 042-36560621-2
    41 SHARIF MEDICAL CITY JATI UMRAH RAIWIND ROAD, LAHORE 042-37860101-4
    42 SHAUKAT KHANUM MEMORIAL CANCER HOSPITAL & RESEARCH CENTRE 7-A, BLOCK R-3, JOHAR TOWN, LAHORE 042-35905000
    43 SURGIMED HOSPITAL 1- ZAFAR ALI ROAD, LAHORE 042-35714411-18
    44 SURRAYA AZEEM HOSPITAL CHOWK CHUBURJI, BAHAWALPUR ROAD, LAHORE 042-37120003- 5
    45 THE EYE ASSOCIATES 49, ZAFAR ALI ROAD, GULBERG V, LAHORE 042-35753183, 3587615, 35875267
    46 TIMES HOSPITAL & MEDICAL CENTRE OPP JINNAH HOSPITAL,FAISAL TOWN, LAHORE 042-35201136-7
    47 TREE TOPS THE EYE CENTRE PLOT # 3, BLOCK F 1, PHASE 1, WAPDA TOWN, LAHORE 042-35181060, 35181090
    48 TURAB HOSPITAL COMPLEX PLOT NO 33,BLOCK NO-5 SECTOR B/1 TOWNSHIP, LAHORE 042-35152338-40
    49 ZIA HOSPITAL IDEAL GARDEN, OPP. AWAN MARKET STOP, MAIN FEROZPUR ROAD, LAHORE 042-35922701
  • LAKKI MARWAT

    S.NoNameAddressPhone No
    1 AL-SHFA HOSPITAL NEAR POLICE STATION, MELLA MANDI, LAKKI MARWAT 042-35922701
    1 MARWAT GENERAL HOSPITAL LARI ADDA, LAKKI MARKET, LAKKI MARWAT 0969-511255
  • LARKANA

    S.NoNameAddressPhone No
    1 LARKANA MEDICAL CENTRE STATION ROAD, LARKANA 074-4046553, 4057245
  • LAYYAH

    S.NoNameAddressPhone No
    1 MARIAM CHILDREN HOSPITAL CHUBARA ROAD, LAYYAH 0606-412707
  • MANDI BAHAUDDIN

    S.NoNameAddressPhone No
    1 AFTAB HOSPITAL SOHAWA SARGODHA ROAD, MANDI BAHAUDDIN 0300-7752829
  • MIANWALI

    S.NoNameAddressPhone No
    1 CITY MEDICAL COMPLEX GOVT. HIGH SCHOOL ROAD, MIANWALI 0459-235804
    2 OBAID NOOR HOSPITAL HOSPITAL ROAD, MIANWALI 0459-235325
  • MIRPURKHAS

    S.NoNameAddressPhone No
    1 ALI MEDICARE HOSPITAL ADAM TOWN, UMERKOT ROAD, MIRPURKHAS 0233-874075, 874085
  • MULTAN

    S.NoNameAddressPhone No
    1 AL-KHALIQ PATIENTS CARE NISHTAR ROAD MULTAN 061-4573703-04
    2 CITY HEALTH CARE(PVT)LTD PEER KHURSHEED COLONY ROAD, MULTAN 061-6510370, 6510368
    3 CHENAB GENERAL HOSPITAL NEAR CHUNGI NO. 1, SURAJ MIANI ROAD, MULTAN 061-4518871-4
    4 FAISAL HOSPITAL KHANEWAL ROAD, NEAR EIDGAH, MULTAN 061-4586416, 4546079
    5 FATIMA MEDICAL CENTRE CHOWK RASHEEDABAD, MULTAN ABBOTTABAD 061-6224433, 5435149
    6 HALEEMA HOSPITAL COMPLEX NISHTAR ROAD, MULTAN 061-4781184
    7 MIAN FAZAL REHMAN HOSPITAL MUMTAZABAD, OPP. GOVT. MILLAT COLLAGE, MULTAN 061-4234210, 0321-6321999
    8 SEYAL MEDICAL CENTRE L.M.Q ROAD, MULTAN 061-4782499
  • NAROWAL

    S.NoNameAddressPhone No
    1 SUGHRA SHAFI MEDICAL COMPLEX MURIDKE ROAD, NAROWAL 054-2413408
  • NAWABSHAH

    205 2
    S.NoNameAddressPhone No
    1 PERFECT MEDICAL CENTRE MASJID ROAD, NEAR EDHI CENTRE, NAWABSHAH 0244-362500
  • PESHAWAR

    S.NoNameAddressPhone No
    1 AL-KHIDMAT HOSPITAL 1A-1 NISTHAR ABAD, PESHAWAR 091-2215945, 2565034
    2 FAUJI FOUNDATION HOSPITAL NO-1 AZIZ SHAHEED ROAD, PESHAWAR CANT 091-9212770-74
    3 KHUSHAL MEDICAL CENTRE DABGARI GARDEN, PESHAWAR 091-2581395
    4 LAKSON MEDICAL TRUST HOSPITAL CHOYA LAHORE YAR HASSAN ROAD DISTRIC SAWABI 0938-332028,330468
    5 NORTH WEST GENERAL HOSPITAL & RESEARCH CENTRE SECTOR A-3, PHADE V, HAYATABAD, PESHAWAR 091-5822612-21
    6 REHMAN MEDICAL INSTITUTE 5/B-2, PHASE 5, HAYATABAD, PESHAWAR 091-5825501-07 5838000-666
  • PIND DADAN KHAN

    S.NoNameAddressPhone No
    1 THE AGA KHAN FAMILY HEALTH CENTRE AMIN COLONY, G.T.KHAN, HAJI COMO, 091-2650775
  • QUETTA

    S.NoNameAddressPhone No
    1 THE AGA KHAN HEALTH CENTRE MOHALLA KARIMABAD, QUETTA 0544-213352
    2 CHRISTIAN HOSPITAL MISSION ROAD, QUETTA 081-2842697
    3 COMBINED MILITARY HOSPITAL (CMH) QUETTA CANTT. 081-9202970
    4 SALEEM MEDICAL COMPLEX M. A. JINNAH ROAD, QUETTA 081-2827104-5 , 2825478
    5 CHILDREN HOSPITAL QUETTA PATEL BAGH, QUERRY ROAD, QUETTA 081-823705-11
    6 HEART & GENERAL HOSPITAL 15-D, 16-D MODEL TOWN, QUETTA CANTT 081- 2822408
  • RAHIM YAAR KHAN

    S.NoNameAddressPhone No
    1 AL-SAEED MEDICAL COMPLEX KHANPUR ROAD, RAHIM YAR KHAN 068-5888555 , 068-5888999
    2 AL-REHMAT MEDICAL COMPLEX NEAR CHOWK PATHANISTAN, SHAHBAZ PUR ROAD, RAHIM YAR KHAN 0301-76633423, 0302-7800131
    3 IQBAL MEMORIAL HOSPITAL (AYESHA CLINIC) 24-B, MODEL TOWN, NEAR ALLAMA IQBAL LIBRARY, RAHIM YAR KHAN 068-5872320, 5872784, 0300-7553287
  • RAWALPINDI

    S.NoNameAddressPhone No
    1 AHMED MEDICAL COMPLEX 70-C, SATELLITE TOWN, SADIQABAD ROAD, RAWALPINDI 051-4582233-34
    2 AL IHSAN HOSPITAL 142-MURREE ROAD, RAWALPINDI 051-5515313
    3 AMANAT EYE HOSPITAL MAYO ROAD, (CIVIL LINES), RAWALPINDI 051-8439993, 5562150-1
    4 BAHRIA INTERNATIONAL HOSPITAL BAHRIA TOWN, PHASE VIII, RAWALPINDI 051-5705790-2
    5 BILAL HOSPITAL 38-A, SATELLITE TOWN, SADIQABAD ROAD, RAWALPINDI 051-111-999-786 , 4456471-78
    6 MARYAM MEMORIAL HOSPITAL PESHAWAR ROAD, RAWALPINDI 051-5464680-82 , 5481172
    7 TARIQ MEDICAL CENTRE P-1528, ASGHAR MALL ROAD, RAWALPINDI 051-5532054
    8 VALLEY CLINIC 213, PESHAWAR ROAD, RAWALPINDI 051-5470071
  • SAHIWAL

    S.NoNameAddressPhone No
    1 CHRISTIAN HOSPITAL HIGH STREET, SAHIWAL 040-4463446
    2 LAKSON MEDICAL TRUST HOSPITAL MAIN G-T ROAD QADIRABAD, SAHIWAL 040-4304249,0300-6931309
    3 IMTIAZ HOSPITAL & MATERNITY HOME CIVIL HOSPITAL ROAD, OPPOSITE RACE COURSE, MAL MANDI, SAHIWAL 040-4555551
    4 RASHEED MEMORIAL HOSPITAL & MATERNITY NOOR SHAH ROAD SAHIWAL 040-4956777,4956888
  • SAKRAND

    S.NoNameAddressPhone No
    1 RAHEEL MAGSI MEDICAL CENTRE SAHAHBAZ COLONY, NAWABSHAH ROAD, SAKRAND 0300-3233834
  • SARGODHA

    S.NoNameAddressPhone No
    1 SADIQ HOSPITAL 24-A MAIN BAZAR, SATELLITE TOWN, SARGODHA 048-3212222, 3212123
    2 NIAZI MEDICAL COMPLEX 103, VIP BLOCK, CLUB ROAD, SARGODHA 048-3727144
    3 THE AGA KHAN FAMILY HEALTH CENTRE BLOCK 26, NEAR GOVT DEGREE COLLEGE FOR WOMEN, SARGODHA 048-3717979, 3717980
  • SHIEKHUPURA

    S.NoNameAddressPhone No
    1 AKHTAR MEMORIAL HOS. & MAT. HOME NAHEMAN PARK LAHORE ROAD SHEIKHPURA 056-3792853
    2 DARUL BARKAT MEDICARE HOSPITAL YOUNUS SHAHEED ROAD, NEAR ST MERRY SCHOOL ROAD, SHEIKHUPURA 056-3787445, 3793945
    3 KHADIJA POLY CLINIC NEAR GOVT. TARIQ HIGH SCHOOL, COLLEGE ROAD, CIVIL LINE, SHEIKHUPURA 056-3611911-3
    4 SIDDIQUE HOSPITAL NEAR THANA CITY B DIVISION, SARGODHA ROAD, SHEIKHUPURA 056-3781008
    5 SULTAN HOSPITAL FAISALABAD BY PASS CHOWK, LAHORE ROAD, SHEIKHUPURA 056-3500543-4
    6 YOUSUF QURESHI MEMORIAL HOSPITAL SARGHODA ROAD, SHEIKHUPURA 056-3781665,3782665,3782287
  • SIALKOT

    S.NoNameAddressPhone No
    1 AL-SHAIKH JINNAH MEMORIAL HOSPITAL NEAR FORT, URDU BAZAR, SIALKOT 052-4580701-3
    2 ISLAM CENTRAL HOSPITAL COMMISSIONER ROAD, SIALKOT 052-4604947
    3 IDREES HOSPITAL 21-ALLAMA IQBAL ROAD, SIALKOT 052-4268933, 052-4271731
    4 KHALIDA MEMORIAL HOSPITAL CANTT ROAD, NEAR JINNAH STADIUM OVER HEAD BRIDGE, SIALKOT 052-4581111, 4582222
  • SUKKAR

    S.NoNameAddressPhone No
    1 HIRA MEDICAL CENTRE (PVT) LTD NEAR BARRAGE ROAD, SUKKUR 071-5614555 , 5614111
    2 RED CRESCENT GENERAL HOSPITAL NEAR MINARA ROAD, SUKKUR 071-5623841
    3 SUKKUR CT SCAN & MATERNITY HOME NEAR FORUM INN HOTEL WORKSHOP ROAD, SUKKUR 071-5614747
  • TANDO MUHAMMAD KHAN

    S.NoNameAddressPhone No
    1 MEMON CHARITABLE HOSPITAL STATION ROAD, TANDO MUHAMMAD KHAN 0333-2800822 / 0300-2041219
  • TAXILA

    S.NoNameAddressPhone No
    1 AL SYED HOSPITAL FAROOQIA ROAD, AHATTA, TAXILA 051-4560148
  • WAH CANTT

    S.NoNameAddressPhone No
    1 UMER HOSPITAL B-193,MINAR ROAD, LALA RUKH, WAHH CANTT. 051-4511596 , 4510077
    2 AL-ELAJ CENTER HOUSE # 60/A-, LANE # 2, LALARUKH, WAH CANTT. 0514-531904, 0514-513418
  • SWAT

    S.NoNameAddressPhone No
    1 SHIFA MEDICAL & SURGICAL CENTER OPP CENTRAL HOSPITAL SAIDU SHARIF, SWAT 0946-711039

HealthCare FAQs

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  • Why I should buy HealthCare Insurance?

    With HealthCare you can ensure that in case of a medical emergency, you are able to pay for your medical expenses. Jubilee General HealthCare products are customized, with distinctive features being offered at competitive premiums.

  • How does a Family HealthCare Insurance operate?

    Jubilee General’s Family HealthCare is a hospitalization cover that protects you, your spouse and your children in case of an accident or illness that may lead to hospitalization.

    The sum insured floats over the entire family, protecting you and your loved ones against in-patient expenses— financially strengthening you. It is a simple to take out and easy to pay for policy with various unique features to offer to the insured.

  • What are the main features of a Family HealthCare plan?

    The basic features of a Family HealthCare plan include:

    • No medical tests or reports required
    • Family Health Card
    • You do not pay cash! Avail cashless claims settlement directly at our listed hospitals, all you do is flash your health card!
    • 24/7 medical hotline
    • Discount centers: avail enticing discounts at various labs, pharmacies and clinics
    • Free lookup period: if you are not happy with your policy, you may cancel it within 14 days and get a full refund.
    • No claims bonus on renewals
    • A carefully selected panel list of over 200+ prestigious hospitals nationwide
    • Pre-existing medical conditions covered on the 5th renewal
  • What is the entry age limit in a hospitalization package for adults?

    18-49 years

  • How many children can be insured in a family package?

    Up to 4 children

  • To what age can my hospitalization policy be renewed?

    49-59 years

  • What is the maximum age limit for the children to enroll in a family policy?

    1-23 years

  • What are the major exclusions of a hospitalization policy?

    The major exclusions of this policy are as under:

    • Any maternity expenses
    • Any out-patient expenses
    • Policy will not be available for any preexisting conditions until 48 months of constant renewals
    • Waiting period: will not cover any expenses occurring during the first 30 days of the inception of the policy, except the accidental injuries. However, waiting period does not apply on renewals.
  • What is the time duration of these HealthCare plans?

    Jubilee General HealthCare plans offer you coverage for a year.

  • What is the main coverage of a HealthCare hospitalization plan?

    The main coverage for HealthCare hospitalization plans include:

    Hospitalization: Surgical & Miscellaneous expenses/ In-Hospital Consultations/ Intensive Care Charges/ Surgical Fees/ Anaesthitist'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

    Pre hospitalization Expenses: Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital

    Post hospitalization Expenses: Covering Consultations, Medicines and Laboratory tests after discharge from the hospital

    Emergency Local Ambulance Expenses: Both local and international

  • How does a CriticalCare Insurance operate?

    Jubilee General’s CriticalCare is a plan that protects you against 7 major critical illnesses.

    It offers you a lump sum amount upon the diagnosis of these illnesses without the need for the insured to produce any medical bills and tests.

  • What is the main coverage of this CriticalCare Insurance plan?

    The 7 critical illnesses covered under this policy are:

    • Cancer
    • Open Chest Coronary Artery Bypass Surgery
    • Heart Attack (Myocardial Infarction)
    • Kidney Failure
    • Stroke
    • Major Organ Transplant
    • Paralysis
  • What are the main features of a CriticalCare plan?

    Jubilee General CriticalCare Insurance has the following features to offer:

    • No medical tests or report required
    • Cash to pay for medical treatments not covered in your health plan
    • Cash to pay your loans while you are recovering
    • Cash to pay your children’s college and school fees
    • Cash so you can travel for treatments not locally available
    • Cash to protect your lifestyle
  • What is the entry age limit in a CriticalCare package for adults?

    18-50 years

  • Up to what age can my CriticalCare policy be renewed?

    Up to the age of 60 years

  • What are the major exclusions of a CriticalCare policy?

    The major exclusions of a CriticalCare policy are as under:

    • Benefits will not be available for any preexisting conditions
    • Waiting period: will not cover any illnesses being diagnosed during the first 90 days of the inception of the policy
    • Insured person needs to survive for 30 days from the date of diagnosis to be able to claim the amount
    • Once the claim has been paid, the policy cannot be renewed

HerCare FAQs

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  • Q1. How does a “HerCare” Takaful plan operate?

    A. Jubilee General’s HerCare Takaful provides cover for women against major female cancers, burns and paralysis. It offers you a lump sum amount upon the diagnosis of any of these without the need for the participant to produce any medical bills and tests.

  • Q2. What is the main coverage of “HerCare” Takaful plan?

    A. The main coverage offered in HerCare Takaful is as follows:

    I. Female Cancers
    • Breast Cancer
    • Fallopian Tube Cancer
    • Uterine / Cervical Cancer
    • Ovarian Cancer
    • Vaginal Cancer &
    • Carcinoma in situ (normally excluded in critical takaful plans)
    II. Burns
    • Burns involving 40% or more of the body surface area
    • Second or third degree burns caused by accidental thermal, electric or chemical burn
    III. Paralysis
    • Persisting for more than 6 months from the date of diagnosis. Caused by disease/accident and certified by a physician of insured’s complete and permanent
    • Loss of functionality of both arms or both legs
    • Loss of functionality of one arm or one leg

    Additional Benefit: Congenital Disability Benefit- Sub limit (50% of sum Assured)

    An amount equal to 50% of the sum assured will be payable under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below and the child survives 30 days from the date of diagnosis. This benefit will be available for first two children only and will not be available if the birth of the child occurs after the proposer attains the age of 40 years

    • Down’s syndrome
    • Congenital Cyanotic Heart Diseases
    • Spina Bifida
    • Tracheo-esophageal fistula
    • Cleft Palate/ Without Cleft lip
  • Q3. What are the main features of “HerCare” Takaful?

    A. Some of the main features of HerCare Takaful are as follows:

    • No medical tests required
    • 14 days free look up period
    • International Medical Second Opinion: MediGuide's Medical Second Opinion services by calling at the following number:111-11-CARE (2273)
  • Q4. What is the entry age limit for “HerCare” Takaful?

    A. Entry Age must be between 18-50 years (once covered, policy can be renewed yearly till 60th birthday).

  • Q5. What plan options are available for this Takaful?

    A. There are two types of plans

    • Platinum Plan with a limit of PKR 750,000/-
    • Gold Plan with a limit of PKR 500,000/-
  • Q6. Is there any need for medical test prior to taking this policy?

    A. There is no need for any type of medical tests to avail this policy.

  • Q7. What is the time duration of “HerCare” Takaful cover?

    A. Jubilee General HealthCare plans offer you coverage for 1 year from the date of issue.

  • Q8. Is there a waiting period that triggers when I buy “HerCare” Takaful cover?

    A. Yes, a waiting period of 90 days will apply for the coverage from the date of issue of the policy. This, however, is not applicable in case of renewals.

  • Q9. What happens after the diagnosis of my critical illness?

    A. The insured person needs to survive for 30 days from the date of diagnosis of critical illness for claim to be admissible.

  • Q10. In case of International Medical Second Opinion (MSO) who should I contact?

    A. For Medical Second Opinion call MediGuide at 111-11- CARE (2273) for complete detail on how to avail this benefit.

  • Q11. Up to what age can my “HerCare” policy be renewed?

    A. Once covered, policy can be renewed yearly till the 60th birthday of the insured

  • Q12. What are the major exclusions of a “HerCare” policy?

    A. The major exclusions of a HerCare policy are as under:

    • Pre-Existing Conditions- Pre-existing Medical Condition means any sickness, disease or injury or any symptom related to such sickness, disease or injury which has been diagnosed, treated or is under treatment or has been known, even if so medical advice or treatment was sought, before the effective date of this insurance. No liability will be accepted by JGI for any Pre-existing Medical Condition.
    • Willful self-inflicted injury by/to the Life Assured or unreasonable failure to seek or follow medical advice.
    • Infection with Human Immuno-deficiency Virus (HIV) or variants (including Acquired Immune Deficiency Syndrome (AIDS)) or AIDS Related Complex (ARC).
    • Radiation induced burns
    • Death within 30 days from the diagnosis of the CI.
    • Willful misuse of drug.
    • Others-

    Please refer to the policy document for complete set of exclusions

  • Q13. Who can I reach in case of any queries or claim?

    The following are the contact centers in case of complaints, queries and claims:

    • For Complaints or Queries:
    • Toll Free Number: 0800 03786
    • Email: buyonline@jubileegeneral.com.pk
    • Address: Retail Business Division, Jubilee General Insurance Company Limited, 2nd floor, I.I. Chundrigar Road, Karachi, Pakistan.
    • For Emergency, Claims & Hospital related matter:
    • 24/7 Medical Hotline: (021) 111-111- 544
    • Email: customer.services@jubileehealth.com
    • Address: Health Insurance Administration Office, 36-A/2 Lalazar, M. T. Khan Road, Karachi-74000, Pakistan.

ParentsCare Takaful- FAQs

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  • What is ParentsCare Takaful/ Who is eligible to Participate?

    For the first time in Pakistan, Jubilee General has introduced “ParentsCare” Takaful, which is one of its kind health Takaful plan for people who at the time of participation, fall within the age bracket of 45-65 years (once covered, it can be renewed yearly till age 70). It can be obtained for oneself, one’s spouse, parents and parents-in-law.

  • What does ParentsCare Takaful cover?

    ParentsCare Takaful offers the following coverage:

    1. HospitalizationCovers the participants against in-patient hospitalization expense including:

    • Room rent
    • ICU charges
    • Day care surgeries
    • Hospital and surgical expenses
    • Physician’s and surgeon’s visit fee
    • Lab tests and x-ray exams
    • Operation theatre charges
    • Anesthesia and administration charges
    • Blood transfusions
    • Physiotherapy
    • Ventilator and allied services

    2. Pre and Post Hospitalization ExpensesUp to 30 days of pre and post hospitalization expenses coverage including:

    • Physician’s fee
    • Cost of prescribed medicines
    • Cost of lab tests
    • Dressing and stitch removal charges

    3. Ambulance ChargesAmbulance charge up to Rs. 3,000 per PMD year can be claimed in this Takaful.

    4. Accidental Medical Expenses Coverage

    5. Medical Second Opinion (MSO) BenefitInternational Medical Second opinion from Mediguide International for more than 100 top hospitals across the world.

  • What are the plan options that I can avail?

    The following plans are being offered currently for ParentsCare:

    • Silver PKR 200, 000
    • Gold PKR 300, 000
  • What is the time duration of my ParentsCare Takaful PMD?

    Jubilee General HealthCare plans offer you coverage for 1 year from the date of issue.

  • I have diabetes, can I still avail ParentsCare?

    Any condition one has prior to availing ParentsCare such as diabetes, hypertension, heart disease etc. are known as ‘pre-existing conditions’ and any treatment which is because of the pre-existing condition(s)* is only partially covered under the PMD –starting from 10% of the limit in the first year and then going up at every consecutive renewal till it reaches 50% of the limit— as per the chart below.

    • 1st year of cover 10% of the annual limit
    • 2nd year of cover 20% of the annual limit
    • 3rd year of cover 30% of the annual limit
    • 4th year onwards 50% of the annual limit

    *Pre-existing Conditions means as any injury, illness, condition or symptom:

    • for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Issue Date of this PMD for the Person Covered, or
    • which originated or was known by the PMD holder or the Person Covered to exist prior to the Issue Date of this PMD, whether or not treatment, or medication, or advice or diagnosis was sought or received.
  • Is there a waiting period that triggers when I obtain ParentsCare Takaful cover?

    Yes, a waiting period of 60 days will apply from the date of issue of the PMD. This, however, is not applicable in case of renewals.

  • What other features can I enjoy upon obtaining ParentsCare from Jubilee General?

    The following additional features can be enjoyed:

    • Credit facility on 200+ hospitals all across Pakistan
    • 24/7 medical hotline for coordinated care and facilitation through trained professionals
    • Customized health card
    • Savings through discounts on outpatient services (pharmacies and labs) at selected outlets
    • Medical Second Opinion from International Hospitals
    • Free look up period of 14 days
  • In case of Medical Second Opinion, who should I contact?

    For Medical Second Opinion call MediGuide at 111-11- CARE (2273) for complete detail on how to avail this benefit.

  • Can I switch my plan after participating in ParentsCare Takaful?

    No, plan can only be switched upon renewal.

  • What are the major exclusions of the plan?

    The following are the major exclusions of this PMD:

    • Benefits will not be available for Pre-existing Conditions* beyond the extent mentioned in the schedule of benefits.
    • Treatment from non-panel hospitals
    • Will not cover any expenses occurring during the first 60 days of the inception of PMD, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break.
    • Hospitalization outside Pakistan
    • Cosmetic, aesthetic and related treatment
    • Congenital anomalies beyond the extent mentioned in the schedule of benefits
    • HIV-AIDS or any sexually transmitted disease
    • Any fertility/impotence/ sterilization procedure or treatment
    • Pregnancy related expenses ad complications
    • Psychiatric treatment
    • War, invasion, civil commotion
    • Cost of limbs/ prosthetics/ hearing aids / crutches /dentures
    • Drug abuse / self-inflicted injuries
    • Any outpatient expenses.
  • Who can I reach in case of any queries or claims?

    The following are the contact centers in case of complaints, queries and claims:

    For Complaints or Queries:Toll Free Number: 0800 03786
    Email: takaful-online@jubileegeneral.com.pk
    Address: Takaful Retail Business Division, Jubilee General Insurance Company Limited - Window Takaful Operation, 3rd floor, I. I. Chundrigar Road, Karachi, Pakistan

    For Emergency, Claims & Hospital related matter:24/7 Medical Hotline: (021) 111-111- 544
    Email: customer.services@jubileehealth.com
    Address: Health Takaful Administration Office, 36-A/2 Lalazar, M. T. Khan Road, Karachi - 74000,Pakistan.

  • I have diabetes, can I still avail ParentsCare?

    Any condition one has prior to availing ParentsCare such as diabetes, hypertension, heart disease etc. are known as ‘pre-existing conditions’ and any treatment which is because of the pre-existing condition(s)* is only partially covered under the PMD –starting from 10% of the limit in the first year and then going up at every consecutive renewal till it reaches 50% of the limit— as per the chart below.

    • 1st year of cover 10% of the annual limit
    • 2nd year of cover 20% of the annual limit
    • 3rd year of cover 30% of the annual limit
    • 4th year onwards 50% of the annual limit

    *Pre-existing Conditions means as any injury, illness, condition or symptom:

    • for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Issue Date of this PMD for the Person Covered, or
    • which originated or was known by the PMD holder or the Person Covered to exist prior to the Issue Date of this PMD, whether or not treatment, or medication, or advice or diagnosis was sought or received.

Medical Second Opinion FAQs

Please Click Here for Medical Second Opinion FAQs.

MediGuide's Medical Second Opinion Program

Please Click Here for MediGuide's Medical second opinion program.

Medical Second Opinion Top Hospital List

Please Click Here for Top Hospital List.

Participant’s Membership Document

Please Click Here for Participant’s Membership Document.

HomeCare Brief

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  • HomeCare (Home Structure, Contents & Valuables Insurance)

    Protect your Home with Jubilee General Insurance

  • Major Coverage

    This policy is designed with the intention to provide the maximum risk coverage for Home Contents & Building. Some major risks are listed below;

    • Fire & Lightning
    • Riot & Strike
    • Malicious Damage
    • Explosion
    • Impact Damage
    • Atmospheric Disturbance
    • Aircraft Damage
    • Burglary
    • Loss of Rent
    • Earthquake
    • Accidental Glass Breakage (Glazing)
    • Accidental damage to underground tanks
  • Product Features

    Most beneficial features of Jubilee General HomeCare insurance includes,

    • Structured product options
    • Individual can purchase multiple coverage for any/or each plan
    • NO requirement of declaration
    • NO Underinsurance applicable
    • Easy Claim Settlement process
  • HomeCare Plans with Limits & Premium

     Plan APlan BPlan C
    Building Structure - 1,000,000 2,000,000
    Loss of Rent - 100,000 200,000
    Content 500,000 1,000,000 2,000,000
    Cash & Jewelry 150,000 300,000 600,000
    Total Sum Insured 650,000 2,400,000 4,800,000
    Net Premium (PKR) 13,000 24,000 39,500

Compare Plans

Please Click Here for Plan Comparison.

HomeCare FAQs

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  • WHAT IS JUBILEE GENERAL HOMECARE INSURANCE?

    A range of Home Insurance plans which you can select as per your needs.

  • WHAT DOES HOMECARE COVERS?

    HomeCare plans are exclusively designed Home insurance plans that provides extensive cover for Cash, Jewelry, Home contents as well as Home Structure. The plan coverage is also extended for Loss of Rent in Plan B & C only.

  • HOW DOES HOMECARE PLAN BENEFIT ME?

    Jubilee General HomeCare plans covers your home against:

    • Armed robbery, burglary, house breaking
    • Earthquake
    • Rain, Flood, Cyclone, Storms
    • Riot & Strike Damage
    • Malicious Act
    • Fire & Lightening
    • Explosion
    • Water Damage
    • Third Party Cover
    • Accidental Glass Breakage
    • Accidental Damage to Underground Tanks
  • WHAT ARE HOMECARE PLAN COVERAGE LIMITS AND HOW MUCH DO I NEED TO PAY?

     Plan APlan BPlan C
    Building Structure - 1,000,000 2,000,000
    Loss of Rent - 100,000 200,000
    Content 500,000 1,000,000 2,000,000
    Jewelry 150,000 300,000 600,000
    Total Sum Insured 650,000 2,400,000 4,800,000
    Net Premium (PKR)* 13,000 24,000 39,500

    (*) Net Premium is inclusive of all Government taxes, Levis, and Stamp Duty

  • FOR HOW LONG AM I COVERED?

    This is an annual policy you will be covered for a year (365 days).

  • WHAT IS MEANT BY HOME STRUCTURE?

    Home structure means building of your home, built of bricks & stones.

  • HOW CAN I ENROLL FOR JUBILEE GENERAL HOMECARE?

    All you have to do to avail any insurance plan is follow the series of questions under that particular plan. We offer different types of insurance plans whose differences are based on premium or specific information. This is why our plans are custom made to cater to you. All you have to do is answer the questions that come in front of you and you will be able to find a plan that suits your needs.

  • WHAT INFORMATION DO I NEED TO SHARE WITH JGI TO ENROL?

    You will need to share:

    • Personal Information
    • Property details
  • CAN I GET HOMECARE INSURANCE IF I AM LIVING IN A RENTAL PROPERTY?

    If you are living in a rental property only your home contents (owned by you) will be covered the building & structure will not be covered in your policy.

  • WHAT IS MEANT BY HOME CONTENTS?

    Home Contents including household goods and personal belongings. Such as:

    • Electronic appliances including Television/Plasma Screen DVD/home Theater/Audio System
    • Personal Computers, Cameras
    • Furniture & fixtures
    • Upholstery carpets
    • Dinnerware & crockery
    • Kitchen Appliances (refrigerator & deep freezer) Air conditioners
    • Phone sets
    • Apparel
    • Home fabrics
    • Personal effects
  • WHAT DOES CASH & JEWELRY COVER INCLUDE?

    Jewelry including (Gold Sets, Diamond Sets, Rings, Necklaces, Earrings, Bangles) & High value watches, designer accessories which exceeds amount of Rs. 50,000.

    Jewelry is covered in the following situations:

    • At Home
    • Specified Safe deposit Locker
    • Transit between Home & Locker
    • In transit up to 25% of the total limit
    • Cash includes (Currency & Prize bonds)

Participant’s Membership Document

Please Click Here for Participant’s Membership Document.

ViaCare Home trip Policy Wording

Download PDF

Please Click Here for Viacare home trip Policy Wording.

ViaCare home trip policy Brief

Download PDF
  • ViaCare Travel insurance

    Insure your travel, Preserve your memories

  • Major Coverage

    Jubilee general insurance provides the expatriates of Pakistan with an option to conveniently purchase its home trip travel insurance online. In insured to keep you covered in case of accidents, hospitalization and travel related inconvenience.
    Offers expatriate(s) who travel to Pakistan to visit their family, friends or on business an insurance cover up to $10,000 for hospitalization, medical expenses, accidental death and permanent disability

  • Package Types

    HomeTrip ViaCare offers

    • Plan for Individuals
    • Plan for Family

    1) Insured’s age of coverage is up to 65 years starting from the age of 18
    2) The Family package includes the insured, spouse and up to 4 children of age between 6 months to 18 years.

  • Viacare home trip Plans with Limits & Premium

    Coverage/BenefitsHomeTrip Limits
    Accidental Death & Permanent Disability US $ 10000
    Medical Expenses & Hospitalization Abroad US$10,000
    Transport or Repartition in case of illness or injur US$15,000
    Emergency Dental Care US$ 500
    Repatriation of Family Member traveling with US$1,500
    Repatriation of Mortal Remains US$5,000
    Return of Dependent Children US$5,000
    Emergency Return Home Following Death of close Family Member US$5,000
    Loss of Passport US$100
    Trip Cancellation US$250
    Delayed Departure US$250
    Loss of Checked-in Baggage US$250
    Compensation for delay in the arrival of luggage US$100
    Travel And Stay Over One immediate Family Member US$100 per day for 10 days only
  • EXCESS:

    Medical Expenses and Hospitalization: USD 100
    Trip Cancellation: USD 35
    Delayed Departure: 8 Hours

  • Premium Payable in PKR (Individual and Family)

    Premium Payable in PKR
    (Individual and Family)
    Tenure
    Stay Limit
    Multipurpose
    Individual Family
    7
    7 750 1,100
    14
    14 950 1,500
    21
    21 1,400 2,100
    31
    31 1,900 2,850
    62
    62 3,300 5,800
    92
    92 6,550 10,000
    180
    92 9,200 18,800
    365
    92 11,100 22,000

SelfCare Brief

Download PDF
  • SELFCARE (Accidental Death, Disability & Medical Expense Insurance Cover)

    Get Protection against unforeseen events

  • Coverage

    Coverage against the risk of the following in case of Road & Non-road accidents and Terrorism activity

    • Accidental Death
    • Permanent Disability
    • Temporary Total Disability
    • Medical Expenses
    • Burial and Repatriation Expense
  • SelfCare Plans with Limits & Premium

    Risk CoveredPlan APlan BPlan C
    Accidental Death & Permanent Disability 200,000 350,000 500,000
    Accidental Medical Expenses 20,000 35,000 50,000
    Burial & Repatriation 20,000 35,000 50,000
    Total Sum Insured 240,000 420,000 600,000
    Net Premium 800 1,200 1,700

Compare Plans

Please Click Here for Plan Comparison.

SelfCare FAQs

  • WHAT IS SELFCARE PLAN?

    Jubilee General SelfCare is Personal Accident Insurance, which protects YOU and your loved one for financial losses for unfortunate accidental death and total permanent & temporary disabilities. If the customer chooses to add Accidental Medical Expenses coverage to the Plan, all Accidental medical expenses up to assigned limit that occur as a result of an accident will also be covered as per policy.

  • WHAT IS PERSONAL ACCIDENT INSURANCE?

    This insurance covers the insured against accidental death, temporary & total permanent disabilities. If the insured dies as a result of an accident due to risk defined in policy, coverage limit in the plan that he/she chose will directly be paid to the beneficiaries (Spouse or Blood Relatives) of the insured.

  • WHAT PLANS ARE AVAILABLE AND UP TO WHAT LIMITS?

    Risk CoveredPlan APlan BPlan C
    Accidental Death & Permanent Disability 200,000 350,000 500,000
    Accidental Medical Expenses 20,000 35,000 50,000
    Burial & Repatriation 20,000 35,000 50,000
    Net Premium 800 1,200 1,700
  • WHAT IS ACCIDENT AS PER JGI SELFCARE POLICY?

    Accident means a sudden unexpected, unusual, specific event which occurs at an identifiable time and place, conveyance but shall also include exposure resulting from a mishap to an Insured who is traveling.

  • IS THERE ANY AGE LIMIT TO GET SELF CARE INSURANCE?

    The maximum age limit for this coverage is 65 years.

  • HOW CAN I GET SELFCARE INSURANCE PLAN?

    All you have to do to avail any insurance plan is follow the series of questions under that particular plan. We offer different types of insurance plans whose differences are based on premium or specific information. This is why our plans are custom made to cater to you. All you have to do is answer the questions that come in front of you and you will be able to find a plan that suits your needs.

  • IS PERSONAL ACCIDENT INSURANCE EXPENSIVE?

    No, Personal Accident is actually an inexpensive insurance product for all classes of society. You just have to pay nominal amount for this coverage and you are covered for the whole year for any kind of accident that may happen.

  • FOR HOW LONG I AM COVERED?

    This is an annual policy and you will be covered for the whole year (12 months) from the date of inception till the expiry date for any kind accident that may happen as per company policy.

  • WHAT SHOULD I DO IN CASE OF ACCIDENT?

    You can follow following simple steps to process your claim:
    In case of any mishap, please contact JGI 111-654-111, or 0800-3786 within 24 hours of the incident

    Retail Business Division
    Jubilee General Insurance Company Limited
    Head Office, 2nd floor, Jubilee Insurance House,
    I. I. Chundrigar Road, Karachi
    buyonline@jubileegeneral.com.pk
    Phone: 32416022-26 ext. 322
    Direct: 021 3 2462225

    Jubilee General Insurance will appoint Government licensed surveyor who will contact you and collect all requisite documents from you.

  • WHAT ARE THE NECESSARY DOCUMENTS TO BE SUBMITTED TO JUBILEE GENERAL INSURANCE CLAIMS DEPARTMENT IN CASE OF A CLAIM?

    In case of a claim, following documents should be submitted:

    • FOR DEATH CLAIMS:
      • Death Certificate from concerned Municipal Office
      • Death Certificate from Hospital / doctor
      • Burial Certificate
      • Police Report
    • FOR PERMANENT TOTAL DISABILITY CLAIMS:
      • Doctor’s or hospital’s report that states and approves the state of disability.
    • FOR MEDICAL EXPENSES:
      • Doctor Report
      • Original invoice that documents the Medical Expenses
  • WHAT ARE THE EXCLUSIONS IN SELFCARE POLICY?

    Intentional Self Injury, suicide or attempted suicide whether felonious or not.

    War, Terrorism, Sabotage and nuclear exclusion

    The insured being under the influence of, or being affected by Intoxicants or in a pregnancy/ natal related condition

    The insured engaging or taking part in naval, military, air force and law enforcement service or operations.

    Others: Please refer to the policy document for complete set of exclusions

  • HOW MUCH TIME DOES IT TAKE TO SETTLE THE CLAIM?

    15 days after submission of complete documents.

  • Is Risk Protection (insurance) against Tawakkul (total dependence upon Allah (SWT)?

    No. Human actions change the Will of Allah (SWT) for our destiny. Whether a person has Takaful or not has no effect on future events. However, we are instructed to take precautions and then fully trust and depend upon Almighty Allah (SWT). In a Hadith narrated by Anas bin Malik, one day Prophet Muhammad (PBUH) noticed a Bedouin leaving his camel without tying it. He (PBUH) asked the Bedouin, “Why don’t you tie down your camel”? The Bedouin answered, “I put my trust in Allah (SWT)”. The Prophet (PBUH) then said, “Tie your camel first, then put your trust in Allah (SWT)”. [As quoted in Sunan At-Tirmidhi, 1981.]

  • Is all Risk Protection (insurance) Haraam (prohibited)?

    The Fiqh Council of World Muslim League (1398H/1978AD) resolution and The Fiqh Council of Organization of Islamic Conference (1405H/1985AD) in Jeddah resolved that conventional insurance as presently practiced is Haraam, and that cooperative coverage (Takaful) is permissible and fully consistent with Shari’ah principles. Hence, conventional insurance is said to be prohibited for Muslims (because it contains the elements of Riba, Al Maisir, and Al Gharar). By contrast, Takaful provides risk protection in accordance with Shari’ah based on the principles of Ta’awun (mutual assistance), brotherhood, piety and ethical operations.

  • What is Takaful?

    Takaful comes from the Arabic root-word ‘kafala’ which means to guarantee, to help, to take care of each other’s needs. Takaful refers to mutual protection and joint guarantee. Operationally, Takaful refers to participants mutually contributing to the same fund with the purpose of having mutual indemnity in the case of peril or loss.

  • How is uncertainty (gharar) eliminated from Takaful contract?

    Uncertainty can never be eliminated; it remains in the Takaful Contract as well. But, since the Takaful contract comes under Tabarruaat, the uncertainty (gharar) is considered to be within tolerable limits under Shari’ah. Insurance, being a contract of exchange (muawadat), contains “excessive gharar” and is termed as fasid.

  • All Insurance is a form of Gambling or Wagering, which is forbidden in Islam.

    Risk or uncertainty can be divided into: Pure Risk and Speculative Risk. Pure Risk involves the possibility of loss or no loss. For example, damage to property due to fire. Pure Risks are the subject of insurance risk protection and Takaful. On the other hand, Speculative Risk involves the possibility of loss, no loss or gain. For example, venturing into a new business, or gambling on horse race. Speculative Risks that include a potential Gain or Profit cannot be insured. Takaful schemes use the principle of indemnification to compensate for the loss that occurs to a Takaful Participant. Takaful insures only Pure Risks and the claims are only payable in the event of Loss to cover repairs, damage, replacement of property, or an agreed fixed amount.

  • Does a takaful company seek to maximize profits and take benefits away from Takaful Participants?

    Takaful operators are mutual or cooperative entities. The goal of Takaful is community well-being and self-sustaining operations, not high profits. Under the Takaful Mudarabah Model, surplus (or profits) is shared fairly and equitably between the shareholders and the Participants. Under the Takaful Wakalah Model, surplus is returned entirely to the Participants.

  • Do I need Takaful?

    A Takaful scheme gives us an opportunity to practice the virtues of Islam, including self-purification. Surah Al Maa’idah (V.2) says: “Help one another in furthering virtue and Taqwa (God-consciousness), and do not help one another in evil and transgression”. In a Hadith narrated by Ahmad and Abu Daud: Whosoever fulfills the intentions (needs) of his brother, Allah will fulfill his intentions. And Allah always helps those who help their brothers in need. The first Constitution in Medina (622 CE) arranged by Prophet Muhammad (PBUH) contained three aspects directly related to risk protection: social insurance for the Jews, Ansar and Christians; Article 3 concerning 'wergild' or ‘blood money’; and provision for Fidyah (ransom) and 'aaqila'. We should follow his (PBUH) example to meet our needs and social obligations.

  • Do Takaful contributions entail a higher rate than the conventional insurance premium?

    No. Takaful companies are as competitive as their conventional insurance counterparts. Opting for Takaful will not make you pay any higher costs, as such.

  • Can Takaful cover theft of my car?

    Yes, Takaful companies offer the same variety of products offered by any insurance company, whether it is Fire, Marine, Motor, etc. In addition, most of the Takaful operators have the expertise and experience to deliver tailor-made specific solutions for the benefit and convenience of their clients. The only exceptions are those risks that are not in conformity with the Shari’ah, e.g. breweries, casinos etc.

  • How will I get a claim from a Takaful company?

    All procedures, including claims, are the same as in conventional insurance companies. The difference lies in the nature of the contract, not in the procedures.

  • How is it ensured that all activities of Takaful companies are Shari’ah compliant?

    All Takaful companies are governed by the SECP's Takaful Rules, 2012 that require the Takaful operators to appoint a “Shariah Advisor” in accordance with the provisions of the Rules. Moreover, all Takaful Operators have to undergo a “Shariah audit” as well, in addition to the customary Accounting audit, in each accounting period.

  • Is Takaful transacted in other countries?

    Takaful is a new phenomenon in Pakistan. The first Takaful company was established in 1979 - The Islamic Insurance Company of Sudan. Now, there are more than 100 Takaful Companies in over 20 countries.

  • How many Takaful models are there?

    In Islam, there is room for diversity within certain prescribed parameters. Over the centuries, several Takaful Models have evolved which are approved by the Islamic scholars. While they all share the same fundamental goal of cooperative risk sharing, these models differ slightly in legal structure and organizational operations. Takaful Models are usually described by the Islamic contracts used; namely, Hibbah, or 100% Tabarru' [Sudan], or Al Mudarabah [Bahrain/Malaysia], or Al Wakalah [Saudi Arabia], or Wakala/Waqf [Pakistan].

  • How is Takaful companies’ investment income Riba-free?

    Unlike insurance companies, whose investment income may contain Riba, Takaful companies invest funds in Property, Islamic Banks, Shari’ah compliant Stocks and other Shari’ah approved securities like Sukuk bonds etc.

  • Is Takaful just a change of label?

    Although the end result is the same since both insurance and Takaful aim to provide compensation against possible losses, yet the crucial difference lies in the way that each does this. The notion “ends justify means” does not hold when it comes to Islam where both the ends as well as the means have to be in order. Chicken can either be slaughtered or given an electric shock; both achieve the same end, a dead chicken. However, the former way makes the meat Halaal for eating whereas the later renders it Haraam.

  • What is meant by Surplus Sharing?

    The Takaful Operator acts only as the Wakeel of the Waqf Fund. If, at the end of the year, there is surplus in the Fund (i.e. after adding all its income and deducting all the outgo), such surplus will be distributed amongst the participants proportionately after taking into account any claim benefits already availed.

Disclaimers

Welcome to www.jubileegeneral.com.pk This web site is owned and operated by Jubilee General Insurance Company Limited (formerly New Jubilee Insurance Company Limited). Use of this website is strictly subject to the following terms and conditions. If you do not agree to all these conditions, you must discontinue using this website immediately. By using and accessing the website you indicate your agreement with the terms and conditions. For the purposes of these terms and conditions, “this web site” mean www.jubileegeneral.com.pk

All the materials and contents of the web site are protected by the Copyright Law.

Jubilee General Insurance, owns all copyrights unless otherwise stated. Without prior written consent of Jubilee General Insurance, any content from the website shall not be copied, distributed, photocopied, played, linked or transmitted with super-links, loaded into other servers in “mirroring method”, stored in information retrieval systems and / or used for any other commercial purpose by any person in any means, unless otherwise download or printed for non-commercial and individual use (under the condition that revision shall not be made and the copyright statements or other ownership statements in the materials shall be reserved). From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Any personal information you transmit to Jubilee General Insurance Company Limited. and its subsidiaries and affiliates, via this website will only be used for purposes of processing your application, the assessment and processing of claims and any other administration relevant to any policy issued by Jubilee General Insurance. Statistical information derived from personal information transmitted to Jubilee General Insurance via this website may be shared with third parties but will not include any personal identifiable data.

List of panel tracking companies

  • Revised List of Approved Tracker Companies

    In continuation of Memo dated September 30, 2014 the following are the revised approved tracking companies:

    • C-Track (Tracker Private Limited)
    • Star Technologies
    • Trafco Tracking
    • Sky Track (4 B Solutions Private Limited)
    • Megatech Trackers Private Limited
    • Premier Tracking Solutions (Pvt) Limited
    • Falcon-i (Pvt) Ltd
    • SecureTrack Private Limited

    Falcon-i and SecureTrack are new additions in Jubilee's approved tracking companies list.

Motor Insurance FAQs - Old Car Comprehensive

Tracker Details: For certain vehicles tracker is mandatory to be installed in the vehicle. Suzuki Bolan, Mehran, Daihatsu Cuore and all variants of Toyota Corolla should have the tracker in them.

  • Will I get compensation if my car is torched during a public strike or a riot?

    Yes. Riot and strike damage is covered under the policy.

  • Will I be indemnified in case of an accident if someone else is driving my car?

    Only in the case where the drivers are identified by the insured as drivers of the vehicle are entitled to indemnity in case of loss

  • What are the geographical parameters to my cover?

    Covered all across Pakistan

  • Am I covered in case of meeting an accident while driving a car not belonging to me?

    Yes.

  • How would I be indemnified in case of loss?

    Indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

  • What do I do in case my car gets snatched or it meets an accident?

    File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

  • Is car tracker a prerequisite to buying this policy?

    No. For Old Car Comprehensive cover, tracker is not mandatory.

  • How old does my vehicle have to be in order to be insurable under the Old Car Comprehensive policy?

    It needs to be older than 5 years from the year of manufacturing

  • What disqualifies the vehicle from being insured in old cars insurance?

    Any vehicle which has existing damages such as (or combination of below)

    • Dents on all sides
    • Broken panels due to rusting/corrosion
    • Broken lights and faulty electronic connections
    • Broken/Tampered Pallet where Engine/Chassis# are mentioned
    • Broken/Tampered/Non-Genuine Number Plates
    • Vehicles with Government Number Plates and Vehicles of Armed Forces

    All such vehicles should be declined

Motor Insurance FAQs - 3T Old Car

  • In case of total loss to my car, who would be entitled to the salvage?

    The Company has rights to the salvage.

  • What does constructive total loss mean?

    Constructive total loss is defined in the policy as when the actual cost of repairs exceeds 60% of the market value or the insured estimated value of the vehicle— whichever is lower

  • How old does my vehicle have to be in order to be insurable under the 3T policy?

    It needs to be older than 5 years from the year of manufacturing

  • What are the geographical parameters to my cover?

    Covered all across Pakistan

  • How would I be indemnified in case of loss?

    In case of Third Party loss, indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

  • What do I do in case my car gets snatched or it meets an accident?

    File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

  • What disqualifies the vehicle from being insured in old cars insurance?

    Any vehicle which has existing damages such as (or combination of below)

    • Dents on all sides
    • Broken panels due to rusting/corrosion
    • Broken lights and faulty electronic connections
    • Broken/Tampered Pallet where Engine/Chassis# are mentioned
    • Broken/Tampered/Non-Genuine Number Plates
    • Vehicles with Government Number Plates and Vehicles of Armed Forces

    All such vehicles should be declined

Motor Insurance FAQs - Private Car Comprehensive

  • Will I get compensation if my car is torched during a public strike or a riot?

    Yes. Riot and strike damage is covered under the policy.

  • Will I be indemnified in case of an accident if someone else is driving my car?

    Only the drivers identified in the proposal form will be acknowledged as drivers eligible for indemnity

  • What are the geographical parameters to my cover?

    Covered all across Pakistan

  • Am I covered in case of meeting an accident while driving a car not belonging to me?

    Yes.

  • How would I be indemnified in case of loss?

    Indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

  • What do I do in case my car gets snatched or it meets an accident?

    File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

  • Is car tracker a prerequisite to buying this policy?

    For certain vehicles tracker is mandatory to be installed in the vehicle. Suzuki Bolan, Mehran, Daihatsu Cuore and all variants of Toyota Corolla should have the tracker in them.

  • Will the company bear my car tracker costs?

    No. To be borne by the insured in all cases and it should be of a tracker company approved by JGI.

Contact Us

Download PDF

If there is still any query that our FAQ section and Glossary doesn’t satisfy, then you can feel free to contact us on ( 9221) 111-654-111 or 0800-03786. Our customer service representatives are always eager to help you. You can even drop us an email at takaful-online@jubileegeneral.com.pk and we will cater to the questions that you have.

 
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