BENEFITS & CONTRIBUTION:

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.