Personal HealthCare


Increasing medical inflation in double digits has significantly impacted the financial stability of individual belonging to all classes. Therefore, the need for individual medical & Hospitalization takaful is highly significant fulfilling the present day needs.

Jubilee General’s Personal HealthCare Takaful is the answer to all such needs. This product is most customized, highly valued and competitive Contribution are the key aspects of this product. Because when it comes to your Personal lifestyle protection, Jubilee General Takaful is the partner you can trust.

Jubilee General’s Personal HealthCare Takaful covers more you for a fixed amount of Sum covered in case of hospitalization. Thus you can take cover for Rs. 125,000, Rs. 275,000, Rs. 550,000, Rs. 750,000 & Rs. 1,000,000 as per your need.

  • Hospitalization
  • Hospitalization limits are annual. Jubilee General Takaful is offering five exclusive plans, i.e.
  • Bronze Plan:   Rs. 125,000
    Silver Plan:    Rs. 275,000
    Gold Plan:    Rs. 550,000
    Diamond Plan:    Rs. 750,000
    Platinum Plan:    Rs. 1,000,000

  • Provides Cashless benefits through our preferred providers
  • 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 Personal Health Card for complete facilitation at Hospitals
  • Savings with health takaful through discounts on outpatient services (lab tests) at selected outlets.
  • No requirement of any Medical test/ report
  • 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
  • As a Participant of Jubilee General’s Health Takaful Program, you can avail MediGuide's Medical Second Opinion services by calling at the following number: 111-11-CARE (2273)
  • As a Participant of Jubilee General’s Health Takaful Program, you can avail upto 2 audio or video consultations from a General Physician and 1 audio or video consultation from a Specialist Doctor, through Ring A Doctor's telehealth mobile application/ website.

  • Benefits will not be available for Pre-existing Conditions* until 36 months of continuous coverage has elapsed
  • Waiting Period: Will not cover any expenses occurring during the first 30 days of the inception of Participant Membership Document, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break
  • Cosmetic, aesthetic and related treatment
  • Congenital anomalies
  • 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
  • COVID -19 related covered expenses will be excluded for non-vaccinated individuals, over the age of 18

Product Benefit Table
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 125,000 275,000 550,000 750,000 1,000,000
Sub Limits:     
Room & Board (Per Day) General Ward 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 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.
1,500 2,500 3,500 4,500 5,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.
Medical Second Opinion(MSO) Benefit:
International Medical Second opinion from Mediguide International for more than 100 top hospitals across the world.
Online Doctor Consultation* :
Online Audio/Video consultation through our Partner “Ring A Doctor”.

Entry Age: Proposer 18-49 (Once covered, Participant Membership Document can be renewed yearly till age 60).

* Online Doctor Consultation is being provided by, owned and operated by a third party “Ring A Doctor”, over which Jubilee General has no control, neither Jubilee assumes any liability arising due to the quality of service being provided by the third party vendor.

Personal HealthCare

Hospitalization Limit: 125,000 275,000 550,000 750,000 1,000,000
Room Entitlement: General Ward Semi-Private Private Private Private
Emergency Local Ambulance 1,500 2,500 3,500 4,500 5,500
    Bronze Silver Gold Diamond Platinum
  Age Band          
Max Entry Age 18 24 5,080 8,810 15,550 21,410 27,550
25 29 5,710 9,910 17,610 24,290 31,300
30 34 7,070 12,700 22,530 31,190 40,270
35 39 7,620 13,570 24,270 33,600 43,400
40 44 8,560 15,380 27,600 38,270 49,470
45 49 10,010 18,410 32,840 45,610 59,020
Renewals only 50 54 14,280 26,500 47,110 65,590 85,010
55 59 17,140 32,210 58,540 81,590 105,780

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