Faysal Bank Ltd. under distribution agreement with Jubilee General Insurance Company Ltd. – (WTO) offers Jubilee Takaful Family Health Cover which is one of the first-of-its-kind in the market, offering health coverage in the Islamic way. It has been developed to cater to all your medical needs in case of illnesses or accidents that may lead to hospitalization. With a simple and convenient cashless process along with increased limits, added benefits, a network of 400+hospitals carefully selected, avail lucrative discounts on pharmacies & laboratories and live a life free of worries.
Features
Pre-Existing Conditions Coverage: Pre-existing conditions mean any illnesses or injuries or conditions for which treatments, medications, or diagnoses was sought or received prior to the commencement of this PMD
Credit Facility (Cashless Cover): At network hospitals nationwide, the covered member does not have to pay for the covered treatment (up to available limits) with a wide range of panel hospitals available nationwide
Personal Accidental Takaful Cover: Provides you and your loved one’s coverage against losses from unfortunate accidents resulting in Accidental Death or Permanent Disability. This option can be taken as an added or standalone cover for self or any member
Room Entitlement & Annual per Covered Limits Product
Pre and Post-hospitalization benefits
Eligible Customers
Coverage Provided to
FBL Noor Card & FBL Account Holders Only
Enrolment Age Limit
18 - 64 Years
Enrolment Age Children
02 - 24 Years
Coverages Details
Coverage Description
Gold
Silver
Bronze
Hospitalization Limit (Per Annum/Account Holder)
Rs.600,000
Rs.400,000
Rs.200,000
Increase in Hospitalization Limit
due to accidental Injuries
Rs.150,000
Rs.100,000
Rs.50,000
Sub Limits
Room Entitlement
Private
Semi Pvt
Semi Pvt
Pre & Post Hospitalization Benefit
30 Days Covering Consultation, Medicines and lab tests preceding admission to the hospital and after
discharge from hospital.
Rs.15,000
Rs.12,000
Rs.7,000
Day Care Procedures & Specialized Investigation
Dialysis, Cataract Surgery, MRI, CT Scan, Endoscopy, Thallium Scan, Angiography, and Treatment of
Fracture etc.
Covered
Emergency Local Ambulance Expenses
Rs. 5,000
Rs.4,000
Rs.2,000
Emergency Accidental Outpatient Expense
Covered (within 48 hours of an accident only)
Emergency Accidental Dental expense
Covered (within 48 hours of an accident only)
Pre-Existing Conditions Coverage
1st Year 20% of Annual Limit
2nd Year 50% of Annual Limit
3rd Year 100% of Annual Limit
Free telemedicine (Sehat Kahani)
Digital healthcare accessible 24/7 anywhere with internet coverage
Contribution Amount
Age Next Birthday
Gold
Silver
Bronze
Entry Age
02 to 17 years
17,000
6,000
4,000
18 to 45 years
18,000
10,000
8,000
46-59 years
29,000
20,000
14,000
60-64 years
45,000
30,000
21,000
65-69 years
93,000
69,000
53,000
Renewals Only
70-75 Years
107,000
91,000
58,000
Claim Process
Claim settlement procedure is prompt and hassle-free. Claim can be lodged by contacting Jubilee General at (021)-35657885-6 Or (021) 111-654-111 and Faysal bank at (021) 111-060-606 on the provided numbers.
Further, in detail claim process is provided in the Brochure
Disclaimer
Faysal Bank Limited (“Bank”) is acting as a distributor of the Takaful Family Health Cover on behalf of the Jubilee General Insurance – 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 statement of account/application form or recorded verbal statement and Declarations will act as his/her enrollment under the program (if his/her 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.
Further, 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. For exact terms and conditions, please refer to the PMD (Participation Membership Document)
Participant has a period of 14 days from the date of receipt of the Membership to review the terms and conditions of this Membership. If Participant has any objections to any of the terms and conditions, Participant has the option of cancelling the Membership within those 14 days of free look period.
Pre-existing conditions are specifically covered for this product up to given limit in the ‘Scope of coverage’ 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 coverage.
In the first membership year, the coverage would be effective after the waiting period of 15 days of enrollment
You may call at our Contact Centre and ask the representative to arrange a Sale Call to you from our Tele-Sales representative, who will brief you on the product and initiate your request after assessment