IGI Life Mukhlis Takaful Plan

IGI Life Mukhlis Takaful Plan helps to protect you from high medical costs in case of a hospital stay or medical emergency. It covers 100% of eligible medical expenses during hospitalization and lowers your costs for covered services, even before you reach your deductible. This plan gives you peace of mind by easing the financial stress of unexpected health issues, all in a Shariah-compliant way.

How to Apply for IGI Life Mukhlis Takaful Plan?
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Product Summary:

Variant	Takaful
Product Description	IGI Life Mukhlis Takaful Plan guards you against the trauma that you face because of increased financial burden during hospitalization. The Takaful cover provides 100% of all eligible reasonable and customary medical expenses in case of hospital confinement.
Contribution Term	Annual
Coverage Term	One Year
Policy Currency	PKR

Policy Issuance:

Eligibility Age	Min Issue Age: 18 Years Max Issue Age: 59 Years
Free Look Period	14 days

Benefits & Contribution:

Contribution

Age Band Silver Gold 18 - 29 7,500 10,000 30 - 44 15,000 20,000 45 - 59 All amounts are in PKR

Coverage Details

Hospitalization (Per member/Per Annum) 250,000 500,000 Additional Coverage (Accidental Hospitalization) 50,000 100,000   Daily Room & Board Limit Semi-Private Private Pre & Post Hospitalizations 30 Days Covering Consultation, Medicines and lab tests preceding admission to the hospital and after discharge from hospital 10,000 15,000  Lacerated Wound & Fractures (Under Day Care) Covered within Hospitalization Limit  Pre Existing Condition Not Covered  Emergency Local Ambulance Charges Covered within Hospitalization Limit  Medical Evacuation 35,000 70,000  Discount on Lab Tests & Pharmacy Up to 30% discount in Selected Labs and Pharmacy

 

Key Features:

1. Cashless In-patient hospitalization coverage on panel hospitals

2. Coverage Enhancement on Hospitalization due to accident

3. Pre & Post Hospitalization coverage up to 30 days

4. Emergency Accidental Dental Treatment covered up to 6 months (covered within hospitalization limit)

5. International Medical Coverage in case of emergency while member on travel (covered within hospitalization limit and claim payment will be benchmarked with AKUH on a reimbursement basis)

6. No limit capped on Emergency Local Ambulance Charges

7. Up to 30% discount in selected labs and Pharmacy

Additional Condition:

1. Once the customer is enrolled, he/she cannot change the plan during the next 12 months.

2. For an adult, the entry age is 18 to 59th birthday.

3. Other terms & conditions are remaining the same.
    

Key Exclusions:

Benefits will not be payable if the loss occurs due to certain conditions, few key ones of which are listed below;

1. War risks (active participation)

2. Suicide

3. “AIDS” and/or “AIDS” related diseases

4. Pre-existing conditions (Up to the limits defined in the Schedule of Coverage)

5. Congenital Birth Defect

6. Coverage will be effective after the waiting period of 15 days from the effective date

7. The complete list of exclusions will be available in the membership documents for each type of benefit.

Value added services:

1. Bills are settled directly with the panel hospitals. No Claims processing required

2. An extensive network of participating hospitals 250+ across Pakistan

3. Staff Doctor available on call 24 hours for referrals

4. Extensive reporting capabilities

5. Medical Card is provided to each customer

6. Pre-admission & post-hospitalization expenses covered up to 30 days

7. Day care procedures

8. Claim settlement 7-10 working days upon receiving complete documents

IGI Life is the product underwriter and BAFL is the distributor of the product.
 

Basic Fact Sheet - English
Basic Fact Sheet - Urdu