Personal HealthCare Takaful


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 as per your need.

Product Features

  • Provides Cashless benefits through our preferred providers
  • No Medical tests are required
  • PECs will be covered after 04 years of continuous coverage
  • Free look period of 14 days –option of canceling if not satisfied

Value Added Services

Major Exclusions:

  • Benefits will not be available for Pre-existing Conditions* until 48 months of continuous coverage has elapsed
  • Waiting Period: Will not cover any expenses occurring during the first 30 days of the inception of policy, 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



Hospitalization limits are annual. Jubilee General Takaful is offering two exclusive plans, i.e.

Bronze Plan:   Rs. 125,000
Silver Plan:    Rs. 275,000
Gold Plan:    Rs. 550,000

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
Sub Limits:   
Room & Board (Per Day) General Ward Semi Private Room Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
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
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.

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

Personal HealthCare

Hospitalization Limit: 125,000 275,000 550,000
Room Entitlement: General Ward Semi-Private Private
Emergency Local Ambulance 1,500 2,500 3,500
    Bronze Silver Gold
  Age Band      
Max Entry Age 18 24 3,200 5,550 9,800
25 29 3,600 6,250 11,100
30 34 4,450 8,000 14,200
35 39 4,800 8,550 15,300
40 44 5,400 9,700 17,400
45 49 6,300 11,600 20,700
Renewals only 50 54 9,000 16,700 29,700
55 59 10,800 20,300 36,900


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