You shall receive a call from Faysal bank Business Development Unit (BDU) for enrolment and if you are a healthy adult Pakistani of up to 59 years of age, you will be enrolled upon your acceptance. No medical examination is required. You can also contact your branch or relationship manager for further assistance.
You can include your spouse up to the age of 59 years and a maximum of 4 dependent children above 90 days old, in your policy. Once enrolled, the coverage can be continued up to age of 60 years.
Suppose you, your spouse and your child are covered for Rs.100,000/- each, under an Individual Health Insurance Policy. This means you are paying premiums against coverage of Rs 100,000/- for three separate policies. In an unforeseen situation, if one of the insured member requires hospitalisation and the medical expenses amounts to Rs.250,000/-, the Individual Health Insurance Policy would cover only upto Rs.100,000/-, while the remaining amount of Rs.150,000/- would have to be borne by yourself.
But if you opt for Faysal aikFaisla Family Health Plan of Rs.300,000/- the total limit would be shared among all the insured members. This means all the insured members enroled under the policy, individually and collectively, enjoy health insurance cover of upto Rs.300,000/- In this scenario the above medical expense of Rs.250,000/- will be fully covered under Faysal aikFaisla Family Health Plan.
The maximum amount that can be claimed under the policy during a policy year will be limited to the Annual Family Limit selected by you.
In the first policy year, coverage would be effective after fifteen (15) days once the policy has been issued and has been delivered to the Main Insured Member, except for Accidental Emergencies which will be covered from the effective date of the policy.
Allianz EFU has developed a network of over 170 carefully selected hospitals nationwide. You can download a complete list of Network Hospitals from their website www.allianzefu.com.
In case of hospitalisation, you can choose any of the Network Hospitals for your treatment without having to pay out of pocket. You can avail the credit facility by a simple pre-authorization procedure and Allianz EFU will settle the bill directly to the hospital, as per your entitlement.
Yes! But the initial treatment expenses will be borne by you. Allianz EFU will reimburse these expenses on submission of the original bills, subject to reasonable charges that would have been incurred at a comparable network hospital for a similar treatment.
Pre-existing medical condition means any sickness, disease or injury or any symptom related to such sickness, disease or injury which has been diagnosed, treated or is under treatment or has been known, even if no medical advice or treatment was sought, before the effective date of this insurance.
Pre-existing conditions, if any, must be disclosed by the insured member at the time of enrolment. Any treatments due to pre-existing condition are not covered under this policy.
Expense arising from or related to Pre-existing conditions, Pregnancy and Childbirth, Outpatient treatment, congenital birth defects, war, invasion, civil unrest, infertility, cosmetic treatment, routine medical check-up etc are not covered.
The policy is not available to people suffering from Cancer, Diabetes or HIV/AIDS
No premium will be refunded after the Free Look period is over.
Your policy documents along with your Health card will be dispatched to you within 10 working days once the account has been debited.
You may either call Customer Interaction Centre at 111 000 325/111 06 06 06 or provide a written cancellation request by visiting any Faysal Bank branch. Premium will only be refunded if the request has been submitted within 14 days (Free Look Period) after receiving the policy document provided there is no claim.
Allianz EFU Health Insurance Limited, a joint venture between Allianz SE, Germany and EFU Group, is the underwriter of this Policy. It is the first Specialised Health Insurance Company in Pakistan.
To add greater value to our services, Allianz EFU Health Insurance Limited has chosen providers in major cities like Karachi, Lahore, Islamabad, Rawalpindi etc. whereby the insured members can avail discounts on Out-Patient Consultations, Investigations and purchase of medicines just by presenting their Health Cards.
In addition to this, credit shall be extended for Specialised Investigations like MRI, CT Scan and Thallium Scan (where available) provided prior approval has been taken from Allianz EFU Health Insurance Limited.
Our hotline is available 24X7
ATM - Plot No. C-12, Sub-Sector, 8-C/I, Gulshan-e-Hadeed Housing Project, Phase I, Steel Town, Bin Qasim, Karachi.
Branch - Plot No. C-12, Sub-Sector, 8-C/I, Gulshan-e-Hadeed Housing Project, Phase I, Steel Town, Bin Qasim, Karachi.