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IGI Takaful Comprehensive
Health Plan

Invest in Health, Invest in Life.

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Category

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.

p>IGI Life – Window Takaful Operations

7th Floor, The Forum, Suite No. 701-703

G-20 Khayaban-e-Jami, Block 9, Clifton

Karachi 75600, Pakistan

Call: (+92) 21 35360040

Fax: (+92) 21 35290042

Email: [email protected]

Frequently Asked Questions (FAQ's)

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,

Important Links

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