Health is priceless – and protecting it should always come first..

The Shifa Takaful Plan, offered by IGI Life – Window Takaful Operations in collaboration with Bank Alfalah, provides a Shari’ah-compliant health protection plan for you and your family. With flexible coverage levels and hospitalization benefits, it helps you prepare for medical expenses without financial stress.

Features and Benefits

Benefit	Bronze	Silver	Gold
Hospitalization (per annum)	PKR 150,000	PKR 300,000	PKR 500,000
Accidental Hospitalization (additional)	PKR 100,000	PKR 150,000	PKR 250,000
Daily Room & Board Limit	Semi-Private	Semi-Private	Private
Pre-Hospitalization (30 days: tests, consultation, medicines)	✔	✔	✔
Post-Hospitalization (30 days: follow-up treatment)	PKR 8,000	PKR 12,000	PKR 15,000
Lacerated Wounds & Fractures	✔	✔	✔
Intensive Care Unit (ICU)	✔	✔	✔
Death Benefit (any cause)	PKR 100,000	PKR 100,000	PKR 100,000

Contribution Schedule (per year)

Age	Bronze	Silver	Gold
0 – 44 years	PKR 7,700	PKR 11,800	PKR 13,000
45 – 59 years	PKR 15,700	PKR 24,100	PKR 26,100
60 – 64 years	PKR 22,100	PKR 33,100	PKR 35,700
65 – 69 years	PKR 52,700	PKR 78,200	PKR 84,800
70 – 75 years	PKR 54,700	PKR 86,300	PKR 94,500

Note: Death coverage is valid up to the 69th birthday only.

 

Eligibility & Term

Attribute	Details
Eligible Age	18 – 59 years
Renewable Up To	75 years
Plan Term	1 year (yearly renewable)

 

Claims Process

To process a hospitalization or medical claim, provide the following:

• Completed medical Takaful Claim Form (signed by claimant & treating physician)

• Details of illness/accident

• Pharmacy bills with prescriptions

• Lab & diagnostic reports (X-ray, tests, etc.)

• Attending Physician’s Statement with illness/injury details

• Hospital bills with discharge summary

• Attested CNIC copy

For death claims, standard requirements apply: Claimant’s Statement, Physician’s Statement, attested Death Certificates, CNICs, medical history, FIR & Post-Mortem (in case of accident).

Claim must be intimated within 30 days of event. Documents must be submitted within 90 days

Exclusions (Summary)
Claims are not payable in cases including but not limited to:

• Pre-existing conditions

• HIV/AIDS and related illnesses

• Suicide within the first year

• War or war-like situations

• Congenital birth defects

Submit claims to:
IGI Life – Window Takaful Operations
The Forum, 7th Floor, Suite No 701-713, Khayaban-e-Jami, Block 9, Clifton, Karachi 75600, Pakistan

Panel Hospital List

Free Look Period

If you cancel within 14 working days of receiving your Participant’s Membership Document (PMD), you are entitled to a full refund of your contribution, less medical/clinical exam expenses.
 

Disclaimer

The product is underwritten by IGI Life – Window Takaful Operations. It is not guaranteed or covered by Bank Alfalah Limited or its affiliates.