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How to Apply for Hospital Cash Assist by TPL Life Insurance?
  • Login to Alfa
  • Tap on More
  • Select Health Insurance
  • Select your desired Premium & Agree to the Basic Fact Sheet
  • Check your prepopulated details
  • Confirm your consent by pressing 1 over recorded/IVR call
  • Check your details in the Policy Briefcase
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How does this Plan work?

If God forbid, customer(s) has been hospitalized due to any reason for 3 days at a hospital, upon claim TPL Life Insurance Limited will pay you an amount of Rs. 2,000 * 3 = 6,000 (Coverage amount multiply by # of days’ hospitalization).

Product Summary - TPL Life

Product Summary
Product Type Health Insurance Product
Variant Conventional
Product Description Hospital Cash Assist by TPL Life ” insurance product provides you living benefit during your life you can get the pay out in case of hospitalization.
Premium Term Yearly or Monthly
Policy Term Yearly or Monthly
Policy Premium Currency PKR

 

Policy Issuance
Issue Ages Min Issue Age: 18
Max Issue Age: 54
Free Look Period 14 Days (in case of Yearly option)
07 days (in case of Monthly option)

 

Premium & Benefits
Premium Yearly Option
(a) 1,500 (b) 3,750 (c) 7,500 (d) 15,000 (e) 30,000
Monthly Option
(a) 150 (b) 400 (c) 800 (d) 1,500 (e) 3,000
HCA Daily Benefit (a) 2,000 (b) 5,000 (c) 10,000 (d) 20,000 (e) 40,000
Accidental Disability (a) 100,000 (b) 250,000 (c) 500,000 (d) 750,000 (e) 1,000,000

 

Limitations
Pre – Existing Coverage Not Covered
Death Benefit None

 

Exclusion - TPL Life

Daily Cash Benefit Exclusions
  1. Intemperance, illegal drug-taking, any crime committed by the life Assured, willful self-inflicted injury while sane or insane or unreasonable failure to seek or follow medical advice, effect of alcohol or any drug, poison, gas or fumes, voluntarily or involuntarily taken.
  2. Aviation, except as a passenger in a commercially licensed passenger aircraft.
  3. Any form of war, invasion, hostilities (whether war be declared or undeclared) civil war, rebellion, riots, insurrection, military or usurped power, terrorism or willful participation in acts of violence.
  4. Participation in sports or pastimes of a hazardous nature including but not limited to parachuting, parascending potholing, mountaineering and hot air ballooning.
  5. Congenital anomalies and conditions arising out of or resulting therefrom.
  6. Pregnancy, childbirth, abortion and any complication thereof.
  7. General check-ups.
  8. Cosmetic or plastic surgery, except as a result of any injury.
  9. Any mental or nervous disorder or rest cures.
  10. Stay in sanitariums for whatever reason and whatever treatment.
  11. Engaging in any type of racing, except athletics or swimming.
  12. Infection with the Human Immunodeficiency Virus (HIV) or variants (including Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC).
  13. Organ or tissue transplantation when the life Assured is a donor.
  14. Sexually transmitted diseases.
  15. Any pre-existing conditions.
Accidental Disability (Permanent and Total) Exclusions:
  1. The Accidental Disability (Permanent and Total) benefit does not cover any loss resulting from or caused directly or indirectly, wholly or partly, by:
    1. Attempted suicide, self‐destruction or self‐inflicted injury, while sane or insane, or any attempt thereat; or
    2. Disease or bodily or mental infirmity, or medical or surgical treatment thereof, or hernia, ptomaine or bacterial infections except pyogenic infections of and through a visible wound accidentally sustained; or
    3. Aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognized airline or charter service; or
    4. Being under the influence of alcohol, intoxicants or drugs other than in accordance with the directions of a registered medical practitioner; or
    5. Involvement in any underwater activity.
    6. Participation in or training for any dangerous or hazardous sport of competition or riding or driving in any form of race or competition or
    7. Any breach of law by the Insured Person or assault provoked by him; or
    8. Injury (ies) caused by nuclear fission, nuclear fusion or radioactive contamination; or
    9. While engaging in or taking part in any naval, military or air force operation; or
    10. Pregnancy, abortion or childbirth; or
    11. Nuclear, Chemical or Biological (something); or
    12. Any disease or medical condition from which the Insured/Covered was suffering or had a past history at the commencement of the cover or his date of entry, if later; or
  2. War, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), including civil war, mutiny, riot, civil commotion assuming the proportions or amounting to a popular rising, military rising, insurrection, revolution, rebellion, conspiracy, military usurped power, martial law or state of siege, or any acts of any person acting on behalf of or in connection with any organization actively directed towards the overthrow by force of any Government or to the influencing of it by terrorism or violence.

 

Basic Fact Sheet: Download Now

FAQ’s – Hospital Cash Assist by TPL Life

Life is unpredictable and follows no fixed pattern where sudden Illness/Disease or Accidental injuries can visit you uninvited and sometimes leave you financially hurt and highly stressed. With TPL Life Hospital Cash Assist Plan you can be in control of situations like these.

Customers can buy Hospital Cash Assist by TPL Life through Alfa App, just login to Alfa and select the product from the Insurance section.

In case of hospitalization for minimum 3 days, the customer can file a claim with TPL Life Insurance along with supporting documents. TPL Life Insurance will pay PKR 10,000 multiplied by the number of days hospitalized. For example, if the hospitalization is for 5 days, TPL Life will pay PKR 50,000.

Once the premium has been deducted successfully, you will receive a confirmation SMS of the purchase from Bank Alfalah. The details of the policy will also be available in the ‘Policy Brief Case’ tab of the Insurance section in Alfa.

No, any pre-existing medical conditions are not covered under this plan.

Coverage will only be provided in the case of legitimate hospitalization and/or accidental disability/injury/incidents which are not due to any exclusions mentioned in the terms & conditions.

This is not a savings or investment product, hence there is no maturity benefit. You only get daily hospital cash benefit in case of hospitalization and accidental disability benefit in case of accidental disability.

Yes, the entry age for this product is 18 years to 54 years. Coverage will continue up to the age of 55 years.

Yes, you can opt to buy this product for one month or one year as per your requirement.

No, you can only purchase one policy per CNIC.

You can cancel your policy through the Alfa App by clicking the ‘Policy Cancel’ button in the product details section. You will get a confirmation SMS, and your premium will be refunded within 5–7 working days in case of cancellation within the free look period. You can also call 111-338-111 for assistance.

Yes, you can cancel the policy at any time. However, no refund will be applicable after the 14-day free look period.

In case of hospitalization or accidental disability, please contact TPL Life by calling their helpline at (021) 111-000-330 or email at info@tpllife.com. You can also courier the required documents to their Head Office in Karachi. Complete details of the claims process are available under the ‘Claim’ tab in the product section.

TPL Life will provide you the policy document within 02 working days from your premium deduction via SMS. However; you can view the policy General Term and Condition available in Alfa App, go to Policy Brief Case tab at anywhere and anytime.