IGI Takaful Comprehensive Health offered by Faysal Bank Ltd. under a distribution agreement with IGI Life Insurance lets you enjoy life to its fullest and provide the best possible lifestyle to your loved ones, and helps you pay towards the cost of a range of Medical treatments. You are armed with one that best complements your needs, with 3 different plans for you to choose from. A coverage that gives you an opportunity to avail the cashless hospitalization or reimburses your bill without any deductibles – even allowing you to renew your coverage yearly till age 75 with no health questions asked, and no medical evidence required.
Features
Covers healthcare related expenses in case of hospitalization up to PKR 600,000
Selected day care procedures
Reimburses your bill without any deductibles
Hassle-free Enrolment Process
Up to 30% discounts at selected labs and pharmacies
Eligible Customers
Coverage Provided to
FBL Noor Card & FBL Account Holders Only
Enrolment Age Limit
18 - 60 Years
Coverages Details
Coverage Description
Gold
Silver
Bronze
Hospitalization (Per member/Per Annum)
PKR 600,000
PKR 400,000
PKR 200,000
Additional Coverage (Accidental Hospitalization)
PKR 150,000
PKR 100,000
PKR 50,000
Sub Limits
Daily Room & Board Limit
Private
Semi Private
Semi Private
Pre & Post Hospitalization
30 Days Covering Consultation,
Medicines and lab tests preceding
admission to the hospital and after discharge from hospital
PKR 15,000
PKR 12,000
PKR 7,000
Lacerated Wound & Fractures
(Under Day Care)
Covered
Emergency Accidental Dental Treatment
Covered up to 6 months
Pre Existing condition
1st year: 20%
2nd year: 50%
3rd Year onwards: 100%
International Medical Coverage in case of emergency while member on travel
Covered subject to on reimbursement basis and settlement as per AKU benchmark
Medical Evacuation
Covered up to PKR 35,000
Emergency Local Ambulance Charges
Covered
Death due to accident & sickness (Maximum age for Family Takaful coverage is 69th birthday)
PKR 100,000
Discount on Lab Test
Up to 30% discount in selected labs and Pharmacy
Contribution Amount
Age Band
Annual rate per member in PKR
Gold
Silver
Bronze
02 to 17 years
17,500
6,550
4,500
18 to 45 years
19,100
10,900
8,550
45-59 years
30,000
20,700
14,800
60-64 years
45,150
30,700
30,700
65-69 years
93,500
69,800
53,500
70-75 years
107,600
91,800
59,200
Age will be calculated on Age Next Birthday basis
The customer opts for Bronze Coverage. The age of the customer is 44 years and while their spouse is 40 years old, and child one is 15 years and child two is 10 years old - the total contribution comes up to PKR. 8,550+8,550+4,500+4,500 = PKR. 26,100/= (for the family), wherein each member has separate coverage of PKR. 200,000/= (each)
Claim Process
Claim settlement procedure is prompt and hassle-free. Claim can be lodged directly by visiting IGI Life Website through below link: http://igilife.com.pk/claim-intimation/
Further, in detail step-by-step guidance is provided in the Brochure
Disclaimer
Faysal Bank Limited ("Bank") is acting as a distributor of the IGI Takaful Shield with Vitality on behalf of the IGI Life - Window Takaful Operations ("Takaful Operator") and shall not be held responsible in any manner whatsoever to any person, including, but not limited to, the Covered person or any third party.
The Covered Customer's statement of account/application form or recorded verbal statement and Declarations will act as their enrollment under the program (if their account is charged under the program) and will govern the determination of the rightful beneficiary under this Takaful coverage.
It is clarified that the Bank shall not, under any circumstances, be liable either directly or indirectly for any obligation of the Takaful Operator as the Takaful Provider.
Furthermore, the Bank shall not be construed or deemed in any manner to be the agent or broker of the Takaful Operator in respect of any other PMD.
In addition, the Bank shall not be either directly or indirectly liable for any obligation of the covered customer towards the Takaful Operator in respect of the business or any cover offered to the Covered customer. These PMDs shall constitute as independent contracts between the Takaful Provider and the Covered Customer.
This product brochure only gives a general outline and introduction of the benefits available under the PMD.
If you have any grievance regarding your Takaful Cover, you may contact IGI Life – WTO on (021) 111-111-711 or for any service related complaints you may call FBL Contact Centre at (021) 111-06-06-06 or visit your nearest FBL branch.
Free Look Period is a fourteen (14) days’ grace time after receiving the Participant membership document during which you can understand the Terms and Conditions of the plan and in case of any concerns, you may choose to cancel the plan and obtain a full refund of your contribution paid.
If you have any grievance regarding your Takaful Comprehensive Health Plan, you may contact IGI Life — Window Takaful Operations on (021) 111 111 711 or for any service related complaints, you may call our Contact Centre at 111 06 06 06 or contact your nearest branch.
For claims, please contact IGI Life – Window Takaful Operations - Claims Department at (021) 111 111 711 from anywhere in Pakistan or send an email to [email protected]
IGI Life — Window Takaful Operations will settle all claims within fifteen (15) business days of completion of required documentation,