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 21,030 26,170 31,290
25 29 21,630 26,770 31,880
30 34 22,800 27,950 33,060
35 39 24,450 29,590 34,680
40 44 26,810 31,950 37,050
45 49 31,560 36,680 41,800
Renewals only 50 54 40,740 45,880 50,980
55 59 45,470 50,610 55,720

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 38,240 47,350 56,460
25 29 39,720 48,830 57,940
30 34 42,690 51,800 60,900
35 39 45,940 55,050 64,170
40 44 51,580 60,670 69,780
45 49 61,640 70,750 79,850
Renewals only 50 54 81,950 91,040 100,150
55 59 92,900 102,020 111,110

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 53,510 66,240 79,020
25 29 55,580 68,330 81,090
30 34 59,730 72,470 85,210
35 39 64,280 77,030 89,800
40 44 72,170 84,920 97,660
45 49 86,270 99,010 111,760
Renewals only 50 54 114,690 127,430 140,180
55 59 130,020 142,770 155,530

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 69,550 86,110 102,720
25 29 72,240 88,830 105,400
30 34 77,650 94,220 110,780
35 39 83,570 100,140 116,740
40 44 93,800 110,390 126,960
45 49 112,150 128,710 145,290
Renewals only 50 54 149,080 165,670 182,240
55 59 169,020 185,600 202,190

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