In today’s fast paced life, we put in all our energies into our work and daily chores – which results in various ailments and health disorder, impacting us in the most undesirable and serious consequences. Hazardous environment and unhealthy routines create insecurity not only for us but also for our families resulting pressure on our immediate cash flows and savings upon sudden & unforeseen events demanding Medical expenses.
Features
Faysal Bank Ltd. under a distribution agreement with TPL Life Window Takaful introduces a Shariah complaint TPL Life Takaful Health – High Limit with unique Takaful Health coverage along with multiple benefit options to choose from and variable coverage limits which you can choose according to your need.
Secure your & family’s health without compromising your faith.
Unmatched Takaful health cover with affordable contribution.
Comprehensive & Halal - Takaful health plan for you and your family.
Instant access for your medical emergencies through the network of
TPL Life – WTO panel hospitals pan Pakistan.
Quick and Instant cashless treatment through the TPL Life – WTO
Takaful Health cover has never been so easy before.
Break free from limited reimbursement – your actual expenses now get reimbursed.
Eligible Customers
Coverage Provided to
FBL Noor Card & FBL Account Holders Only
Enrolment Age Limit
18 - 60 Years
Coverages Details
You may enjoy per person limit annual coverage amount as per the following:
TPL Life Takaful Health - High Limit
A
B
C
Hospitalization/Room & Board Limits
Basic Hospitalization Care Limit
- Annual Limit per participant
15,000,000
10,000,000
5,000,000
Online OPD Facility
Covered
Covered
Covered
COVID-19 Coverage
Covered
Covered
Covered
Co-Payments
Inside Network
No Co-Payment
Outside Network Reimbursement
With 80:20 Co-Payment
Sub Limits
Daily Room & Board
VIP
VIP
VIP
ICU Room and Board
Covered (At Actual)
Pre & Post Hospitalization Expense Benefits (Before or After 30 days of Hospitalization)
Expenses for accidental emergency treatment (within 48 hours)
per accident limit
1,500,000
1,000,000
500,000
Pre Existing Conditions
Covered (as follows)
1st Year: 10%
2nd Year: 25%
3rd Year Onwards: 100%
Maternity Cover (Optional)*
Normal Delivery
250,000
150,000
100,000
C-Section
250,000
150,000
100,000
10 months waiting period will be applicable
Maternity Cover will be available, if coverage is availed for Husband and Wife (Both)
Claim Process
Provide your Takaful health e-card to the hospital for cashless treatment at our panel hospitals. In case of non-panel hospitals 80:20 Co-payment will apply. You can launch claim via the following channels:
This Takaful Health product is specially designed, underwritten, issued and subject to the terms and conditions set by TPL Life Insurance Ltd. – Window Takaful Operations for the customers of Faysal Bank.
Faysal Bank Limited is only acting as the corporate agent on behalf of TPL Life Insurance Ltd. - WTO and is not and shall not be held responsible in any manner whatsoever to any person, including but not limited to the participant/customer(s), beneficiary(ies) or any third party.
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
All contributions rates are subject to change without any prior notice
All contributions rates are inclusive of government taxes
This health takaful plan is not guaranteed or covered by any of the other group companies of TPL Corp and they are not liable in any context
Please refer to the participant membership documents for Terms and Conditions
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)
If you have any grievances regarding your Takaful Cover, you may contact TPL Life Insurance - Window Takaful Operations on (021) 111-000-330 or for any service related complaints, you may call our Contact Centre at (021) 111 06 06 06 or the nearest branch
TPL Life Insurance Ltd
12th Floor, Centrepoint Building,
Off Shaheed-e-Millat Expressway,
Near KPT Interchange, Karachi,
UAN # (021) 111 000 330
Frequently Asked Questions (FAQ's)
A baby from 6 months old and an adult not more than seventy (70) at the time of the application. However, a child age from 6 months to below 18 years must enroll with both parents
No, the plan provide coverage in Pakistan only
Yes, you can change your plan level upon membership Anniversary. Any change in plan is subject to our approval.
For all membership queries please call Faysal Bank Helpline at_______________ or call TPL Life – WTO UAN at: +92 21 111-000-330