A Review of Leading Insurers Offering Health Insurance Plans in Pakistan

Pakistanis love eating outside in the resturants,  fast food chains, having fizzy drinks and even today most of us have easy access to every resturant nearby through digital means such as apps. The quality of the food is not good enough to maintain our health which ultimately results in health related problems and related expenses. Within this guide, we are reviewing leading insurers offering health insurance plans in Pakistan

Today our lives are so much contaminated with the chemicals that people are prone to dangerous diseases, which often led them to critical illness or death. Often, these acute illnesses require money for proper medication and here comes the financial barrier. To overcome this financial pressure, health insurance plan will help you a lot in saving the most valuable thing in your life-your health.

Health insurance is a type of cover which gives insured an immunity against all potential expenses related to health related issues. It not only provides you financial easiness but also offers you discounts on medical treatment. It provides the insured with the medical treatment and surgical cost.  

 

Coverage Provided by Health Insurance Companies in Pakistan  

You can review various plans on offer and customize your health insurance as per your requirements. Not only this, you can add on more value to it by clubbing more features into your existing packages so that it can serve you well enough in the future. If any health issues arise you must have covered up with the shield of the insurance, this helps you from worrying of the future contingent liabilities.

 

[btnsx id=”1046″]

 

There are various types of health insurance. Starting from the individual health insurance, family health plan, surgical health plans, critical illness coverage, maternity-both in case of normal delivery and C-section-health plans and corporate level heath insurance plans are available to the customers depending upon their need. To save yourself and your loved ones from the unexpected financial crunch, you can check the floater plan. Few of the common features are as follows:

 

• Proper coverage of pre and post-hospitalization fee
• Ambulance fee reimbursement
• Coverage of routine medical check-ups
• Indemnity to patient against in-hospital expenses
• Shield against pre-existing illness is also available

However, keeping in view of the health needs of an average Pakistani, we have compiled a list of leading insurance companies who are offering best health insurance plans in Pakistan and have a good track record of the Insurance claim handling.

 

1- Jubilee General Health Insurance Plans

Jubilee General Health Insurance is a leading company. They are offering multiple health insurance plans to cater the needs of the employees. In this fast changing world, they are providing their customers efficient and effective plans so that they can help in creating a better tomorrow. Let’s have a look at their plans, which are as follows:

• Personal Health Care
• Family Health Care
• Critical Health Care
• Parents care
• Hercare (Coverage for your wife)

 

a- Personal Health Care

Personal Health is providing you immunity from all the future risks. It is offering this health care coverage plan under three categories highlighted with the corresponding coverage limit:

1- Bronze Plan:   Rs. 125,000
2- Silver Plan:      Rs. 275,000
3- Gold Plan:        Rs. 550,000

 

b- Family Health Care

In this category, Jubilee provides coverage to more than one family member, which includes: self, spouse and up to 04 children. It is offering this plan under two heads highlighted with the corresponding coverage limit::

1- Silver Plan:   Rs. 275,000
2- Gold Plan:    Rs. 550,000

 

c- Critical Health Care

Under critical health care it is providing coverage against 7 major critical illnesses which are mentioned in their policy. These are as follows: cancer, Bypass surgery, Heart attack, Kidney failure, Stroke, organ transplant and paralysis. This plan can be availed by the customers under two heads highlighted with the corresponding coverage limit:

1- Silver Plan: Rs. 300,000

2- Gold Plan:  Rs. 500,000

 

d- Parents Care

To give your parents a care-free future, Jubilee is providing immunity to cover any potential health related expenses risks. This can be availed under these two plans highlighted with the corresponding coverage limit:

1- Silver Plan: Rs.200, 000

2- Gold Plan: Rs.300, 000

 

e- HerCare

Women are the half of the world population and without them there is a likely possibility that world would paralyze. There is no great way to celebrate women hood then by protecting her from all future risks. This can be seamlessly supported through the following plans of Jubilee highlighted with the corresponding coverage limit:

1- Platinium Plan: Rs. 750,000

2- Gold Plan: Rs. 500,000

 

Benefits on Offer:

The shared benefits of all these plans are as follows:

• It provides cashless benefits with the help of the preferred providers network
• No medical tests are required to avail this benefit
• After 4 years of service PEC will be covered
• 14 days trial period is available to its all customers, if they are not satisfied in the mean time they can cancel their policy. This feature is unique as no other company is offering free days period.
• Credit facility is available to their customers on 200+ hospitals all across Pakistan.
• On request special customized family health cards are available for complete facilitation
• Second opinion on medical is available to the customers
• 15% additional hospitalization limit after 24 months of consequent renewals subject to no claims paid.

 

2- Adamjee Health Insurance Plans

Adamjee Insurance company is the leading company providing multiple insurances packages to the individuals and to the firms. It Health insurance plans are designed for the individuals, corporate firms and SME’s. Besides this, it also offers customized plans for their customers depending upon their needs.

 

Benefits on Offer:

Adamjee Health Insurance plans gives the following coverage, its features are as follows:

• Hospitalization coverage
• Fundamental Medical Benefit (optional)
• Maternity Coverage
• Out-patient coverage
• Cover against terrorism which means that the insurer gets covered if injured due to any terror activity
• International coverage (subject to the additional terms and conditions)
• Complimentary Accidental Coverage (coverage limits may vary).

 

3- IGI Health Insurance Plans

IGI health insurance company, another dynamic institution to provide coverage against the potential risks. The features, risks and coverage of its health insurance plans are as follows:

 

Benefits on Offer:

This includes hospitalization confinement expenses for non-pregnancy related conditions which are as follows:

• Hospital room charges for confinements inclusive of patient’s meal charges
• Hospital services and supplies including:

– Physician, surgeon or anesthetist fees;

– Prescription drugs;

– Prescribed Pathological and Radiological investigations;

– Blood transfusions

– Operation theater charges;

– Physiotherapy;

– Radiotherapy and Chemotherapy;

– Diagnostic or therapeutic endoscopic procedures;

 

• Post-hospitalization medical care
• Any other medically necessary services.
• Cover against terrorist activities which includes hospitalization cover of any innocent insured person (not taking part in terrorist activities) injured in any act of terrorism.

 

4- Askari General Health Insurance Plans

Askari General Insurance company is one of the leading insurance company in Pakistan, providing insurance on multiple fronts to its valued customers. These different fronts include: Motor Insurance, Health Insurance, Travel Insurance and many other. Speaking of Askari Health Insurance plans, they are offering following plans on individual and family basis with their wide-ranging benefits and promotions these plans include. These plans are as follows:

• Ask Premium Plan
• Ask Special Plan
• Ask Value Plan

 

Benefits on Offer:

The mutual benefits of these plans are as follows:

• Provides coverage for medical expenses incurred on hospitalization.
• It is providing opportunity for cashless access to 150+ hospitals across Pakistan
• Covers reimbursement in case of treatment in non-panel hospital
• Offers coverage against critical illness only in panel hospitals
• Moreover, it also covers the maternity issues but only declared one, the undeclared pregnancy or the already existing one before the buying of insurance policy is not covered, but with the payment of additional premium it can be covered subject to the policy of the company.

 

5- EFU Health Insuranc Plans

 EFU Health Insurance is another vibrant company providing health insurance benefits to its customers. The company providing affordable health care services to the people in Pakistan . It is currently offering 6 different plans subject to the changing financial requirements and benefits attached there in, its plans are as follows offereing a range of coverage limits based on your specific needs:

• Plan A
• Plan B
• Plan C
• Plan D
• Plan E
• Plan F

Benefits on Offer:  

The mutual benefits of these plans are as follows:

• Intensive care
• Surgeon’s fee
• Anesthetist’s fee
• Operating theatre charges
• In-hospital charges
• Out-hospital charges
• Diagnostic tests
• Consultation fee
• Pre and post hospitalization fees

All these and many other additional benefits are available depending upon the financial status and customer demand.

 

5- TPL Life Health Insurance Plans

TPL life insurance is also an emerging company providing insurance to its valued customers. Further it provides health insurance to its valued customers. It is providing two plans under its health domain, which are as follows:

• TPL Life – Tahaffuz
• TPL Life – Rahat
• TPL Life – Aafiyat
• TPL Life – Salamati
• TPL Life – Aaram

 

Benefits on Offer:   

The cumulative benefits of these plans are as follows:

• This insurance plan is available within the premises of Pakistan
• Provides coverage against hospitalization expense
• Covers the expense of post discharge from hospital up to 30 days
• Access to cashless treatment up to 300+ hospitals across Pakistan
• Reimbursement of money in case of treatment in non-panel hospital.

 

6 – CSI Health Insurance Plans

CSI is also offering various plans for health insurance. It is offering 4 plans under the head of Sehat Asan. These plans are as follows offering a range of coverage limits matching with customer needs:

• Plan A
• Plan B
• Plan C
• Plan D

 

Benefits on Offer:

The mutual benefits of these plans are as follows:

• It covers medical expenses incurred on Hospitalization
• Accidental outpatient expenses / Accidental emergency room treatment
• Expenses incurred in prior to hospitalization up to 30 days
• Expenses incurred post discharge from hospitalization up to 30 days
• Day-Care Treatments
• Comprehensive coverage against all pre-existing diseases after 2 years of continuous coverage / without break
• Maternity expense also Covered subject to the demand (Optional)

 

Conclusion

In a nutshell, at mawazna.com you will find comprehensive details of all the leading insurance companies and their health insurance plans offering various range of coverage limits and benefits along with the risks covered their in. A comparison of leading health insurance plans in Pakistan at mawazna.com will help you in making an informed decision.

 

“Mawazna Karein Apne Liye, Apno key Liye”