Frequently Asked Questions

"No. Life Insurance protects your family (or dependents) from financial loss that may arise in the event of your untimely death and/or permanent disability. The payout is made only post the death of the person insured or at the maturity of the policy. Health Insurance protects you against illness/diseases by covering the expenses you might incur (for treatment, diagnosis etc.) in case you are affected by disease or injury."

"Hospitalization / overage amount is the maximum amount payable in the event of a claim. It is also known as “Annual Limit”. The premium of the policy is dependent on the age, insurance coverage and annual limit."

Yes. Some plans offer pregnancy / maternity with an extra cover charge which is added to the premium / contribution.

The insured persons are allowed to go to any nearest hospital in case of emergencies (where the health condition of the customer changes suddenly which warrants immediate medical attention). But in all such cases they must inform the Company within 24 hours of such a happening together with the name of the hospital and the doctor.

"In the event of hospitalization, the patient or their family will have a bill to pay the hospital. Under Cashless Hospitalization the patient does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by the health insurer. This is for your convenience. However, prior approval is required before the patient is admitted into the hospital. In case of emergency hospitalization, approval can be obtained post-admission."

"If advised hospitalization, the insured is authorized to use any of any of the insurance provider’s network hospitals for treatment by simply presenting the insurance card, a copy of which will be retained by the attending hospital and the necessary medical services will be extended to the insured patient. The insured patient will not be required to pay any bills to these network hospitals."

Hospitalization bills of a non-approved hospital will be reimbursed according to the rates/charges of an approved hospital in the same town/city.

  • Original bill receipts
  • Copies of lab reports (if performed)
  • Copy of discharge card along with a proper signed
  • Stamped claim form

If you cancel the policy, your premium should be refunded after deducting charges deemed fit by the insurance company.

"It is the amount paid by the policy owner for purchase of a life insurance policy. Subsequently, renewal premiums are paid by due dates or within the grace period to ensure that the policy remains in-force and that the benefits available under the policy remain intact."

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

"All we need to process your application is a copy of your CNIC, no documents are required for purchasing health insurance."

"In health insurance, the age, insurance coverage and annual benefit amount of cover are the factors that decide the premium. Usually, younger people are considered healthier and thus pay lower annual premium. Older, people pay a higher health insurance premium as their risk of health problems or illness is higher."

A health insurance is valid for one year after payment of the premium / contribution.

The main coverage for hospitalization plans include:-

Hospitalization: Surgical & Miscellaneous expenses/ In-Hospital Consultations/ Intensive Care Charges/ Surgical Fees/ Anesthetist’s Fee/ Operation Theatre Charges/ Prescribed Medicines/Diagnostic Investigations/ Blood & Oxygen Supplies/ Ventilator & Allied Services/ Day care procedures including Kidney Dialysis/ Chemotherapy & Radiotherapy for Cancer.

Pre hospitalization Expenses:Covering Consultations, Medicines and Laboratory tests preceding admission to the Hospital.

Post hospitalization Expenses:Covering Consultations, Medicines and Laboratory tests after discharge from the hospital.


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