Family HealthCare
Takaful

Introduction

Increasing medical inflation in double digits has significantly impacted the financial stability of individual belonging to all classes. Therefore, the need for individual Family medical & Hospitalization Takaful is highly significant fulfilling the present day needs of individuals. Jubilee General’s Family HealthCare Takaful is the answer to all such needs. When it comes to your family lifestyle protection, Jubilee General Takaful is the partner you can trust.

Jubilee General’s Family HealthCare Takaful covers more than one family member (Self, spouse, up to 04 children) for a fixed amount of cover in case of hospitalization. The amount of sum covered floats over the entire family – this means that the limit can be used by any member of the family and for any number of times. Thus a family of 04 takes a cover for Rs. 275,000, Rs. 550,000, Rs. 750,000 & Rs. 1,000,000 -the entire family can claim up to this amount together.

Hospitalization

Hospitalization limits are annual and allocated on ‘Per Family’ basis. Jubilee General Takaful is offering four exclusive plans with following annual family limits, i.e.,

  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000
  • Diamond Plan: Rs. 750,000
  • Platinum Plan: Rs. 1,000,000

Product Packages are as follows:

  • Family ‘A’ - Self, Spouse & up to 02 children
  • Family ‘B’ - Self, Spouse & up to 03 children
  • Family ‘C’ - Self, Spouse & up to 04 children

  • Provides Cashless benefits through our preferred providers network
  • No Medical tests are required
  • PECs will be covered after 03 years of continuous coverage
  • Free look period of 14 days –option of canceling if not satisfied

  • Credit facility on 400+ hospitals all across Pakistan
  • 24/7 Medical Hotline approval centre for better coordinated care and facilitation through trained professionals
  • Customized Family Health Card for complete facilitation at hospitals
  • Savings with health Takaful Participant Membership Document through discounts on outpatient services (lab tests) at selected outlets
  • Medical Second Opinion Facility
  • Free Lookup Period for 14 days
  • Pre Existing coverage after 36 months of consequent renewals
  • Additional 15% Hospitalization limit after 24 months of consequent renewals subject to No Claims paid
  • Avail International MediGuide's Medical Second Opinion services by calling at the following number:111-11-CARE (2273)

Family HealthCare Takaful

Product Benefit Table
PlansSilverGoldDiamondPlatinum
Hospitalization Limits Including Hospital/Surgical & Miscellaneous expenses. Some of the covered expenses are: 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 precedures including Kidney Dialysis/Chemotherapy & Radiotherapy for Cancer 275,000 550,000 750,000 1,000,000
     
Room & Board (Per Day) Semi Private Room Private Room Private Room Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
30 Days 30 Days 30 Days 30 Days
Post hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests after discharge from the Hospital.
Emergency Local Ambulance Expenses:
To pay for the transfer of the patient to end between Hospitals in an ambulance provided by any service provider, per eligible claim.
2,500 3,500 4,500 5,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.
Covered

Entry Age: Proposer/ Spouse- 18-49 (Once covered, Participant Membership Document can be renewed yearly till age60).

Children: 1 year -23 years.
Single contribution covers a family of maximum 06 (self + Spouse + up to 4 children)
Family Contribution: Will depend on the age (next birthday) of the eldest member and the package contribution will cover a maximum of 06 persons-Self, Spouse and 04 Children.

Family HealthCare

Silver Plan

Hospitalization Limit: 275,000
Room Entitlement: Semi-Private
Emergency Local Ambulance Exp: 2,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 18,290 22,760 27,210
25 29 18,810 23,280 27,720
30 34 19,830 24,300 28,750
35 39 21,260 25,730 30,160
40 44 23,310 27,780 32,220
45 49 27,440 31,900 36,350
Renewals only 50 54 35,430 39,900 44,330
55 59 39,540 44,010 48,450

Gold Plan

Hospitalization Limit: 550,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 3,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 33,250 41,170 49,100
25 29 34,540 42,460 50,380
30 34 37,120 45,040 52,960
35 39 39,950 47,870 55,800
40 44 44,850 52,760 60,680
45 49 53,600 61,520 69,440
Renewals only 50 54 71,260 79,170 87,090
55 59 80,780 88,710 96,620

Diamond Plan

Hospitalization Limit: 750,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 4,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 46,530 57,600 68,710
25 29 48,330 59,420 70,510
30 34 51,940 63,020 74,100
35 39 55,900 66,980 78,090
40 44 62,760 73,840 84,920
45 49 75,020 86,100 97,180
Renewals only 50 54 99,730 110,810 121,900
55 59 113,050 124,150 135,240

Platinum Plan

Hospitalization Limit: 1,000,000
Room Entitlement: Private
Emergency Local Ambulance Exp: 5,500
Family   Family A Family B Family C
  Age Band      
Max Entry Age 18 24 60,480 74,880 89,320
25 29 62,820 77,240 91,650
30 34 67,520 81,930 96,330
35 39 72,670 87,080 101,510
40 44 81,570 95,990 110,400
45 49 97,520 111,920 126,340
Renewals only 50 54 129,640 144,060 158,470
55 59 146,970 161,390 175,820

Note: Above rates are inclusive FIF & Stamp duty but Excluding 4% advance tax for non filers.

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