Purpose
Sehat Khushhali is a unique health insurance plan that offers customers coverage for hospital and medical expenses in case of emergency or routine checkup. This insurance product features options of multiple coverage plans.
It is offered in collaboration with Jubilee Life Insurance with the objective to facilitate beneficiaries in case of all types of accidents and diseases.
Product Features
| Product Plan |
Annual Premium Per Insured |
Coverage |
|---|
| Option 1 |
PKR 750 Per Insured |
- Coverage of Hospitalization PKR 40,000
- Coverage Period - 12 months
- 24-hours Medical Helpline – 021 111- 111-544
- Pre - existing conditions covered – (after 45 day from policy inspection)
- Free coverage of Pre & Post hospitalization 10 days before and after hospitalization
- Wage loss Compensation of PKR 300 per day, up to a maximum of PKR 40,000
- Coverage of emergency room treatment in case of accidental emergencies, up to a maximum of PKR 40,000
- Offering Cashless Treatment at Network Hospitals
|
| Option 2 |
PKR 490 Per Insured |
- Daily benefit of PKR 2,000, up to a maximum of 30 days, when hospitalized for 24 hours
- Coverage Period - 12 months
- Only hospital admission/ discharge certificate required
- Maternity not Included
- In case of demise (death) of the insured individual;
- Burial Expense for Life Insured PKR 25,000
- Additional hospitalization benefits are offered to the family members
- The annual hospitalization limit per family member is PKR 30,000. Only the family members listed during policy purchase will be covered
- Family Coverage Period per person - 3 Years
|
| Option 3 |
PKR 990 Per Insured |
- Daily benefit of PKR 4,000, up to a maximum of 30 days, when hospitalized for 24 hours
- Coverage Period - 12 months
- Only hospital admission/discharge certificate required
- Maternity not Included
- In case of demise (death) of the insured individual;
- Burial Expense for Life Insured PKR 50,000
- Additional hospitalization benefits are offered to the family
- The annual hospitalization limit per family member is PKR 40,000. Only the family members listed during policy purchase will be covered
- Family Coverage Period per person - 05 Years
|
| Option 4 |
PKR 3,000
Per Family (Self, spouse & 3 kids)
|
- Hospitalization –Per Person Annual Coverage: Rs. 50,000/-
- Maternity Coverage (Six month waiting period–C Section only) Rs. 30,000/-
- Ultrasound test & labor room, Physician, surgeon, anesthetist fees & Other charges
- Accidental Emergency Coverage (due to accident only)
- Pre-existing Diseases / Treatment (after 45 days of policy)
- Wage loss Compensation (Rs. 400 per day for head of Family)
- Hepatitis B & C - new onset chronic renal failure
- MRI, CT scan, Endoscopy and Thallium Scan
- Kidney dialysis / chemotherapy & radiotherapy
|
Target Segment
- KMBL’s Existing borrowers
- KMBL’s Depositors
- Walk in customers
