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Jubilee Takaful
Family Health Cover

Islamic health insurance benefits

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Category

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.

You may also send email at: [email protected]

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)

Jubilee General Insurance Company Limited - Window Takaful Operations
3rd Floor, Jubilee Insurance House, I.I. Chundrigar Road,
P.O. Box 4795, Karachi-74000, Pakistan
UAN: 111-654-111 Ext: 2532/2535/3702 Tel: (021) 32402004-09
Email: [email protected] Website: www.jubileegeneral.com.pk

Frequently Asked Questions (FAQ's)

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

Important Links

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