Parentscare

Introduction:

For the first time in Pakistan, Jubilee General Takaful introduces “ParentsCare” Takaful, which is one of its kind health Takaful plan for masses who at the time of participation must fall within the age brackets 45 to 65 years(once covered, PMD can be renewed yearly till age 70). ParentsCare can be obtained for one’s self, one’s spouse, parents and parents-in-law online. The plan has been designed putting ourselves into your shoes and going down to each detail to ensure the availability of comprehensive healthcare for you!

Product Features

  • Provides Cashless benefits through our preferred providers
  • No Medical tests are required
  • Limited * cover for Pre-Existing Conditions ( PECs) from 1st year.
  • Enhancement* for PECs cover at consecutive renewals to a maximum of 50%.
  • Free look period of 14 days –option of canceling if not satisfied

‘*’ – Please refer to the Schedule for details.

Value Added Services

Coverage::

Hospitalization

Hospitalization limits are annual and Jubilee General is offering 2 plans as below:

Silver:   Rs. 200,000
Gold:    Rs. 300,000

PARENTCARE CONTRIBUTION TABLE (PKR)

PLANS: Gold Silver
300,000 200,000
New Entry 45 - 50 Years 25,730 15,675
51 - 55 Years 27,680 19,285
56 - 60 Years 32,089 21,230
61 - 65 Years 34,895 23,755
Renewals Only 66 - 70 Years 36,313 26,203

FAQs

Click Here to know more about ParentsCare Takaful.

SCHEDULE OF BENEFITS

Benefit PlansSilverGold
Benefit Details    
Limit Per Person (annual) Hospital Expense Benefit - (Total Room Rent, Hospital/Surgical Expenses for a minimum 24 hours) Rs. 200,000 Rs. 300,000
SUBLIMITS:    
Room rent 16,360 16,360
ICU / Operation Theatre charges Actual Actual
Ambulance - per Hospitalization / per PMD 3000 3000
Pre Hospitalization 30 days 30 days
Post Hospitalization 30 days 30 days
Day-Care Procedures & Specialized Investigations in outpatient setting including but not limited to: Dialysis, Cataract Surgery, MRI, CTScan, Endoscopy, Thallium Scan, Angiography, and Treatment of Fracture, Emergency dental treatment due to accidental injuries within 48 hours (for pain relief only). Covered
Pre Existing Conditions & Congenital Anomalies Coverage 1st year 10% of Annual Limit
2nd year 20% of Annual Limit
3rd year 30% of Annual Limit
4th year & onward 50% of Annual Limit
1st year 10% of Annual Limit
2nd year 20% of Annual Limit
3rd year 30% of Annual Limit
4th year & onward 50% of Annual Limit
Medical Second Opinion (MSO) Benefit:International Medical Second opinion from Mediguide International from some of the best hospitals across the world. Covered

key terms

  • Entry Age: Individuals - 45 - 65 (Once covered, PMD can be renewed yearly till age 70). Switching of plans only at the renewal.
  • Waiting Period: 60 days
  • Contribution: Will depend on the age (next birthday) of the participant.
  • Geographical Limitations: Pakistan Only

Major exclusions

  • Benefits will not be available for Pre-existing Conditions beyond the extent mentioned in the schedule of benefits.
  • 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.
  • Non Panel Hospitalizations.
  • 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 and complications.
  • Psychiatric treatment.
  • War, invasion, civil commotion.
  • Cost of limbs/ prosthetics/ hearing aids / crutches /dentures.
  • Drug abuse / self-inflicted injuries.
  • Any outpatient expenses.
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