The Jubilee General Insurance Company introduced personal healthcare insurance plans to provide mandatory medical coverage with easy and flexible insurance premiums. With extensive medical coverage, these plans ensure that you have the required medical security without stressing about the rising medical costs.
So, whether you seek basic coverage for yourself or your loved one, you will be covered with the necessary support you need in uncertain medical situations with Jubilee health insurance plans. Get started with personal healthcare insurance by Jubilee Insurance today and secure your health and well-being today.
Comprehensive Coverage of Personal Healthcare Insurance by Jubilee General Insurance
Personal Healthcare Insurance provides an insurance solution by providing a range of tailored plans that are designed to provide financial security in times of medical emergencies. This insurance plan provides financial security by covering medical expenses such as hospitalization, surgeries, and treatments, ensuring quality medical care without any stress.
Personal healthcare insurance plans are crafted with flexibility and affordability in mind, with a focus on reducing the rising medical expense burden on people.
Why Personal Healthcare Insurance was introduced by Jubilee General Insurance?
The primary purpose of personal healthcare insurance is to cover the financial strain of medical expenses. The personal healthcare insurance provided by Jubilee Insurance ensures that one can focus on recovery without worrying about the high cost of medical expenses and treatment.
One of the Jubilee health insurance plans, Personal Healthcare Insurance, helps empower individuals to obtain access to quality healthcare without the worry of any medical charges.
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Personal Healthcare Insurance Plans:
A range of Jubilee health insurance plans are covered under this insurance by Jubilee General Insurance. They include the following:
- Personal Healthcare Bronze Insurance Plan
- Personal Healthcare Silver Insurance Plan
- Personal Healthcare Gold Insurance Plan
- Personal Healthcare Diamond Insurance Plan
- Personal Healthcare Platinum Insurance Plan
Key Features of Personal Healthcare Insurance by Jubilee Insurance:
Before finalizing any of the personal healthcare insurance plans by Jubilee General Insurance, make yourself familiar with the benefits and the coverage details that this insurance provides. Read on to understand the factors included in the personal healthcare insurance plan:
1. Extensive financial protection:
Personal healthcare insurance under Jubilee Health Insurance offers extensive financial protection against unpredictable medical expenses, ensuring to provide you the support you need during challenging times.
2. Cashless Treatment:
An individual can enjoy the convenience of cashless treatment provided by personal healthcare insurance with a wide network of partner hospitals so that you can recover without any financial worries.
3. Hospitalization Benefits:
Personal healthcare insurance plans by Jubilee Health Insurance are partnered with many reputable hospitals in the country so you can recover from any medical issue without the worry of medical expenses, including:
- Room charges
- ICU fees
- Surgical procedures
- Pre- and post-hospitalization care
4. No requirement for any medical tests:
To enjoy the benefits of personal healthcare insurance by Jubilee Insurance, no evidential medical tests or reports are required. An individual can enjoy this insurance by simply signing up.
5. Emergency and Specialized Coverage:
In this Jubilee, healthcare insurance, critical illness care, and ambulance expenses are also included.
6. Access to 400+ Hospitals Nationwide:
With the help of the personal healthcare insurance plans of Jubilee’s company, the individual can receive cashless treatment at over 400+ partnered hospitals across Pakistan.
7. 24/7 medical approval center:
Since medical illness can arrive at any time, you can find medical facilities in the mentioned hospitals 24/7. The trained professionals in the partnered hospitals ensure that you receive quick medical support whenever required.
8. Personal Health Card:
Each person holding Personal Healthcare insurance by Jubilee Insurance receives a customized health card, which makes it easier to access the necessary medical facilities at the partner hospitals hassle-free.
9. 14-Day Free Review Period:
Once you have signed up for this policy, then you can review it for 14 days. During this duration, if you change your mind, then you will have the penalty-free option to cancel it.
10. Coverage for Pre-existing Conditions:
This Jubilee healthcare insurance plan will start covering pre-existing medical conditions if you renew your policy continuously for 36 months.
11. Extra Hospitalization Benefits:
After 24 months of consecutive renewals without any claims, your hospitalization limit will rise by 15%, which gives you even more coverage.
Benefits of Personal Healthcare Insurance by Jubilee Insurance:
Read on to learn what perks personal healthcare insurance by Jubilee Insurance provides to an insurance holder.
- Comprehensive Financial Protection: Provides coverage for hospital stays, surgeries, and medical treatments, ensuring that individuals remain financially secure during health emergencies without the stress of overwhelming medical expenses.
- Hassle-Free Cashless Treatment: Allows individuals to receive medical care without any upfront costs at over 400 partnered hospitals across the country, delivering peace of mind and seamless service.
- No medical tests Required: The enrollment process is straightforward and does not require any medical tests or reports, making it easier for a wider range of people to access.
- Extra Benefits for Long-Term Policyholders: Offers coverage for pre-existing conditions after 36 months of continuous renewal and increases hospitalization limits by 15% after 24 months of claim-free renewals.
1. Personal Bronze Healthcare Benefit Plan:
Coverages | Amount/ Covered |
Hospitalization expense benefits (Limit per person/per year is Rs. 125,000) | |
Room & Board (Per Day) | Covered (General Ward) |
Pre-hospitalization Expenses | Covered (30 Days) |
Post-hospitalization Expenses | Covered (30 Days) |
Emergency Local Ambulance Expenses | Rs. 1500 |
Emergency International Expenses | Covered |
Medical Second Opinion (MSO) Benefit | Covered |
Online Doctor Consultation | Covered |
2. Personal Silver Healthcare Benefit Plan:
Coverages | Amount/ Covered |
Hospitalization expense benefits (Limit per person/per year is Rs. 275,000) | |
Room & Board (Per Day) | Covered (Semi-Private Room) |
Pre-hospitalization Expenses | Covered (30 Days) |
Post-hospitalization Expenses | Covered (30 Days) |
Emergency Local Ambulance Expenses | Rs. 2,500 |
Emergency International Expenses | Covered |
Medical Second Opinion (MSO) Benefit | Covered |
Online Doctor Consultation | Covered |
3. Personal Gold Healthcare Benefit Plan:
Coverages | Amount/ Covered |
Hospitalization expense benefits (Limit per person/per year is Rs. 550,000) | |
Room & Board (Per Day) | Covered (Private Room) |
Pre-hospitalization Expenses | Covered (30 Days) |
Post-hospitalization Expenses | Covered (30 Days) |
Emergency Local Ambulance Expenses | Rs. 3500 |
Emergency International Expenses | Covered |
Medical Second Opinion (MSO) Benefit | Covered |
Online Doctor Consultation | Covered |
4. Personal Diamond Healthcare Plan:
Coverages | Amount/ Covered |
Hospitalization expense benefits (Limit per person/per year is Rs. 750,000) | |
Room & Board (Per Day) | Covered (Private Room) |
Pre-hospitalization Expenses | Covered (30 Days) |
Post-hospitalization Expenses | Covered (30 Days) |
Emergency Local Ambulance Expenses | Rs. 4500 |
Emergency International Expenses | Covered |
Medical Second Opinion (MSO) Benefit | Covered |
Online Doctor Consultation | Covered |
5. Personal Platinum Healthcare Benefit Plan:
Coverages | Amount/ Covered |
Hospitalization expense benefits (Limit per person/per year is Rs. 1,000,000) | |
Room & Board (Per Day) | Covered (Private Room) |
Pre-hospitalization Expenses | Covered (30 Days) |
Post-hospitalization Expenses | Covered (30 Days) |
Emergency Local Ambulance Expenses | Rs. 5500 |
Emergency International Expenses | Covered |
Medical Second Opinion (MSO) Benefit | Covered |
Online Doctor Consultation | Covered |
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Important Points to Remember:
Here are some of the important points to remember during the selection of a suitable Jubilee Health Insurance Plan.
1.Eligibility for Entry:
To be eligible, the proposer must be aged between 18 and 49 years.
2. Renewal of the Policy:
Once the policy is in place, it can be renewed each year until the proposer reaches 60 years of age.
3. Online Doctor Consultation:
The service of online doctor consultation is offered by a third-party provider, “Sehat Kahani,” which operates independently.
4. Liability Disclaimer:
Jubilee General Insurance does not oversee the quality of services provided by Sehat Kahani and accepts no responsibility for any problems that may arise from these services.
Major exclusions and benefits of the Personal Healthcare Insurance plan:
Each of the plans of Jubilee Personal Healthcare Insurance is tailored as per a different individual’s demand. Each of the personal healthcare insurance plans provides a range of numerous benefits to its individuals, but some exclusions make each plan limited. The exclusion includes the following:
- Pre-existing Conditions: The benefits for pre-existing conditions will not be included until you have continued coverage for 36 months.
- Waiting Period: An accidental injury will pay the additional expenses immediately, and all other expenses wait 30 days.
- Cosmetic and Aesthetic Treatments: It doesn’t include cosmetic, aesthetic, or related treatments.
- Congenital anomalies: Congenital anomalies are excluded by this insurance.
- HIV-AIDS and STDs: HIV/AIDS and related diseases are not covered by this insurance plan.
- Fertility and sterilization: Fertility treatments, importance, and sterilization are not covered under personal healthcare insurance plans.
- Pregnancy and Complications: Pregnancy-related expenses or complications do not count in this.
- Psychiatric Treatment: It doesn’t include Psychiatric Treatment.
- War and Civil Commotions: It does not cover the costs of war, invasion, or civil commotion.
- Prosthetics and Medical Aids: This insurance plan does not pay for limbs or prosthetics, hearing aids, crutches, or dentures.
- Substance Abuse and Self-Inflicted Injuries: It doesn’t include drug abuse or self-inflicted injuries.
- Outpatient Expenses: It is excluded from outpatient treatment.
- Covid-19 Exclusions for Unvaccinated Individuals: COVID-19-related expenses will not be covered by individuals over 18 who are not vaccinated.
- Non-Network Hospitalization: Accidental emergencies are the only exception where non-network hospitalization is not covered.
Personal Healthcare Insurance Plan Premium
- Once you have selected the plan, then check for the premium and coverage details of the suitable insurance plan, making sure it aligns with your requirements and your budget.
We have listed the premium details of each personal healthcare insurance plan, so scroll down and buy the best suitable personal healthcare insurance plan.
1. Personal Healthcare Bronze Insurance Premium:
Personal Healthcare bronze Inusrance Premium | ||
Age Band | Sum insured of Rs. 125,000 | |
18 | 24 | 6,350 |
25 | 29 | 7,138 |
30 | 34 | 8,838 |
35 | 39 | 9,525 |
40 | 44 | 10,700 |
45 | 49 | 12,513 |
Renewal age | ||
50 | 54 | 17,851 |
55 | 59 | 21,425 |
2. Personal Healthcare Silver Insurance Premium:
Personal Healthcare Silver Insurance Premium | ||
Age Band | Sum insured of Rs. 275,000 | |
18 | 24 | 11,015 |
25 | 29 | 12,390 |
30 | 34 | 15,875 |
35 | 39 | 16,965 |
40 | 44 | 19,230 |
45 | 49 | 23,020 |
Renewal age | ||
50 | 54 | 33,130 |
55 | 59 | 40,270 |
3. Personal Healthcare Gold Insurance Premium:
Personal Healthcare Gold Insurance Premium | ||
Age Band | Sum insured of Rs. 550,000 | |
18 | 24 | 19,440 |
25 | 29 | 22,020 |
30 | 34 | 28,170 |
35 | 39 | 30,340 |
40 | 44 | 34,500 |
45 | 49 | 41,050 |
Renewal age | ||
50 | 54 | 58,890 |
55 | 59 | 73,175 |
4. Personal Healthcare Diamond Insurance Premium:
Personal Healthcare Diamond Insurance Premium | ||
Age Band | Sum insured of Rs. 750,000 | |
18 | 24 | 26,765 |
25 | 29 | 30,365 |
30 | 34 | 38,990 |
35 | 39 | 42,000 |
40 | 44 | 47,840 |
45 | 49 | 57,020 |
Renewal age | ||
50 | 54 | 82,000 |
55 | 59 | 101,990 |
5. Personal Healthcare Platinum Insurance Premium:
Personal Healthcare Platinum Insurance Premium | ||
Age Band | Sum insured of Rs. 1,000,000 | |
18 | 24 | 34,440 |
25 | 29 | 39,125 |
30 | 34 | 50,340 |
35 | 39 | 54,250 |
40 | 44 | 61,840 |
45 | 49 | 73,780 |
Renewal age | ||
50 | 54 | 106,265 |
55 | 59 | 132,230 |
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How to buy a personal healthcare insurance plan?
Buying healthcare insurance has never been this easy. With the digitalized methods of the Jubilee Insurance Company, one can buy a personal healthcare insurance plan just by following a simple digitalized guide.
Continue reading to buy suitable personal healthcare insurance plans online or by visiting the Jubilee Insurance company.
Method 1: Buy a Personal Insurance Plan Online:
Step 1: Visit the Jubilee General Insurance Company.
Step 2: Go to the ‘Personal Healthcare Insurance Plan’.
Step 3: Choose the plan you need from the given options.
Step 4: Press the ‘Buy Now’ button.
Step 5: Fill in the form by providing your general information, including:
- Full name
- Date of Birth
- Your Mobile number
- Email address
Step 6: Hit the ‘select plan’ button.
Step 7: Select the plan.
Step 8: Add insurance-related information such as:
- Your full name
- Your CNIC
- The issuance date of CNIC
- Select the gender
- Add your residential address
- Choose among the ‘referred by’ options.
- Add your occupation
Step 9: And finally, add in the beneficial details, including:
- Your name
- Select your relationship
- Add your mobile number
- Add CNIC
- Add CNIC issuance date
Step 10: Then press the “Continue” button once entered.
Step 11: Clear the billing and confirmation process.
Step 12: Add the required details.
Step 13: Once the procedure is completed, you will get insured for using this plan.
Method 2: Get a Personal Healthcare Insurance Plan at Jubilee General Company:
Suppose you felt difficulty with the online approach to buying a Personal Healthcare Insurance Plan due to any technical disruption. In that case, this approach will work best for you, which allows individuals or policyholders to physically visit the nearest Jubilee office and get themselves insured.
Step 1: Locate the Jubilee General Insurance company.
Step 2: Submit your query to the company’s representative.
Step 3: You will be required to submit some documents along with general information.
Step 4: Provide the required information for the billing and payment procedure.
Step 5: Once the procedure is completed, you will be insured to use this policy.
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Frequently Asked Questions
Can you have two insurance policies at the same time?
Yes, an individual can be an insurance holder of more than one insurance policy.
Is health insurance required before buying life insurance?
No, you can buy life insurance without being a holder of a Health insurance plan by Jubilee General Insurance Company.
Can I insure my family using this healthcare insurance?
Yes, you can insure your family with healthcare insurance, although to obtain family insurance, you can check the coverage details of the Familycare Insurance plans by the Jubilee General Insurance Company.
Conclusion
Jubilee Personal Healthcare Insurance Plans offer invaluable safety solutions by ensuring individuals and families have the necessary access to essential healthcare without financial strain. With Jubilee’s extensive coverage options in the personal healthcare insurance plan, one gets the support they need in difficult times. So whether you are choosing a Bronze, Silver, Gold, Diamond, or Platinum Plan, each option is designed with your health and well-being in mind, making the Jubilee Personal Healthcare Insurance Plans the best fit for your needs.
