Personal 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 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

  • 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

Product Benefit Table
PlansBronzeSilverGoldDiamondPlatinium
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.
Covered
Medical Second Opinion(MSO) Benefit:
International Medical Second opinion from Mediguide International for more than 100 top hospitals across the world.
Covered

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

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 Platinium
  Age Band          
Max Entry Age 18 24 4,860 8,440 14,900 20,510 26,410
25 29 5,470 9,500 16,880 23,280 29,990
30 34 6,770 12,170 21,590 29,890 38,590
35 39 7,300 13,000 23,260 32,200 41,590
40 44 8,200 14,740 26,450 36,670 47,410
45 49 9,590 17,640 31,470 43,710 56,560
Renewals only 50 54 13,680 25,390 45,150 62,860 81,470
55 59 16,420 30,860 56,100 78,190 101,370

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