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Domestic Travel Brief

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Viacare Travel Takaful – Domestic Plan

Jubilee General Takaful brings to you yet another customized Product for those who travel domestically.

Now you can get covered up to Rs.1,000,000. So get peace of mind while travelling and let Jubilee take care of you

Package Plans

We have two plans, i.e.,

  • Gold with coverage of Rs. 500,000 and;
  • Platinum with coverage of Rs. 1,000,000

extending coverage based on number of days of traveling.

Features and Coverage Details

  • Personal Accident (Accidental Death & Permanent Disability)
  • Accidental Medical reimbursement
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains (In case of Natural Death only)
  • Loss of Baggage
  • Loss of C.N.I.C

Benefit Table

Sr. No. DOMESTIC TRAVEL Platinum Gold
1 Accidental Death and Permanent Total Disability 1,000,000 500,000
2 Accidental medical reimbursement 50,000 25,000
3 Emergency Medical Evacuation 30,000 15,000
4 Repatriation of mortal remains* 15,000 15,000
5 Loss of baggage 7,500 3,500
6 Loss of C.N.I.C 2,000 1,500

(*) In case of Natural Death only

Contribution Table

Sr. No. Maximum Stay Limit Platinum by Air Gold by Air
1 Upto 7 Days 200 110
2 8 - 14 days 400 220
3 15 - 21 days 600 330
4 22 - 30 days 800 440

*these contributions are inclusive of Admin surcharge, government taxes and levies and stamp duty.

** maximum stay depicts total number of days starting from the time of departure from your home city in Pakistan for Domestic Air Travel only up-till the time of arrival in your home city on return from your Domestic trip

Business Travel Brief

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Package Plans

  • Schengen Compliant, fulfills the Visa requirement of Schengen States by offering US$ 50,000 or equivalent cover for hospitalization & medical expenses
  • Multi-Purpose offers travelers Takaful anywhere in the world except Schengen States.
  • Maximum stay limit for Multi trip packages (180 & 365 days package) is 92 days

Package Types

Each ViaCare Package has two types:

  • Plan for Individuals
  • Plan for Family
  • Participant’s age of coverage is up to 65 years. Double takaful contribution is charged for age between 66-70 years
  • The Family package includes participant spouse and Four children of age between 6 months to 18 years.
  • 100% Limit for all Family Members in Case of Medical Expense & Hospitalization
  • 50% Limit for spouse and 25% of the same for children

Benefit Table

Sr. No. Coverage/Benefits Schengen Compliant Multi-Purpose
1 Accidental Death & Permanent Disability US$15,000 US$10,000
2 Medical Expenses & Hospitalization Abroad US$50,000 US$10,000
3 Transport or Repartition in case of illness or injury US$50,000 US$15,000
4 Emergency Dental Care US$750 US$500
5 Repatriation of Family Member traveling with the participant US$3,000 US$1,500
6 Repatriation of Mortal Remains US$5,000 US$5,000
7 Return of Dependent Children US$5,000 US$5,000
8 Emergency Return Home Following Death of close Family Member US$5,000 US$5,000
9 Loss of Passport US$250 US$100
10 Trip Cancellation US$500 US$250
11 Delayed Departure US$500 US$250
12 Loss of Checked-in Baggage US$500 US$250
13 Compensation for delay in the arrival of luggage US$250 US$100
14 Travel And Stay Over One immediate Family Member US$100 per day for 10 days only US$100 per day for 10 days only

Contribution Table

Contribution Payable (Individual)

Tenure Stay Limit Schengen Multi-purpose
7 7 2,850 750
14 14 4,950 950
21 21 6,950 1,400
31 31 8,450 1,900
62 62 13,300 3,300
92 92 19,300 6,550
180 92 22,700 9,200
365 92 27,100 11,100

Contribution Payable (Family)

Tenure Stay Limit Schengen Multi-purpose
7 7 4,450 1,100
14 14 7,500 1,500
21 21 10,250 2,100
31 31 12,250 2,850
62 62 17,850 5,800
92 92 27,100 10,000
180 92 40,300 18,800
365 92 51,350 22,000

Student Travel Brief

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ViaCare Travel Takaful – Student Plan

Approved by ‘Schengen’ states and Worldwide for Visa & Travel Medical & Hospitalization needs

Main Features of Student Plan

List of important features are as follows;

  • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness abroad
  • Personal Accident (Accidental Death & Permanent Disability)
  • Tuition FEE Coverage
  • Travel & stay over of one immediate Family member
  • Medical Evacuation
  • Death Repatriation
  • Baggage & Passport Loss & Delay
  • Specialty Assist 24-Hour Assistance

Variants available for Student Plan

There are four Plans available with different coverage limits to protect you from unforeseen events.

  • Bronze
  • Silver
  • Gold
  • Platinum

Product Plans with Limits

Product Plans (Limits in USD) Bronze Silver Gold Platinum
Emergency Medical Expense for sickness & Hospitalization Abroad 10,000 25,000 50,000 100,000
Travel and stay over of one immediate Family member per day USD 100 (Maximum USD 5,000) 5,000 5,000 5,000 5,000
Repatriation of Mortal Remains 5,000 7,500 10,000 12,500
Travel Assistance Actual Actual Actual Actual
Loss of Passport 300 500 750 1,000
Loss of in flight checked in Baggage 500 750 1,000 1,500
Location and forwarding of lost baggage and Personal Effect Actual Actual Actual Actual
24 hour personal accident 7,500 10,000 15,000 25,000
Accidental Death 100% of Principle S.I 100% of Principle S.I 100% of Principle S.I 100% of Principle S.I
Permanent Disability % of principle sum as per injury table % of principle sum as per injury table % of principle sum as per injury table % of principle sum as per injury table
Tuition Fee 7,500 10,000 20,000 20,000

All 4 of the above packages are available in 6 months stay and 12 month stay options along with the option to obtain cover with/without tuition fees cover

Contribution Table

6 months 12 months
Package With Tuition Fee Without Tuition Fee With Tuition Fee Without Tuition Fee
Bronze 11,523 9,799 17,666 15,019
Silver 15,097 12,837 23,250 19,765
Gold 23,138 19,672 35,647 30,304
Platinum 40,225 34,195 54,744 46,535

Hajj/Umrah Brief

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Viacare Travel Takaful – Hajj & Umrah Plan

Main Features of ‘Hajj & Umrah’ Plan

  • List of important features are as follows;
  • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness
  • Personal Accident (Accidental Death & Permanent Disability)
  • Burial & Repatriation expense (In case of Natural Death Only)
  • Baggage Loss
  • Cash Loss

Package Types

  • There are two (02) packages for this product:
  • Plan for Death cover Rs. 300,000
  • Plan for Death cover Rs. 500,000
  • All individuals intending to perform Hajj &/or Umrah are eligible for this coverage. (Children below 18 years and traveling with parents are covered on the basis of form ‘B’)
  • Participant’s age of coverage is maximum up to 65 years.

The Coverage is available onIndividualbasis for following stay limits:

  • Up to 15 days
  • 16 - 30 days
  • 31 – 45 days

Product Plans with Limits

Sr. No. Benefits Plan A (PKR) Plan B (PKR)
1 Accidental Death and Permanent Total Disability 300,000 500,000
2 Hospitalization 75,000 150,000
3 Burial & Repatriation* 50,000 100,000
4 Loss of Checked in Baggage 20,000 40,000
5 Loss of Cash 10,000 20,000

* In case of Natural Death only

Contribution Table

Sr. No. Maximum Stay Limit Plan A (PKR) Plan B (PKR)
1 Upto 15 days 250 475
2 16 – 30 days 500 950
3 31 – 45 days 700 1,350

Ziarat Travel Brief

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Viacare Travel Takaful – Ziarat Plan

Ziarat Plan is a unique product from the bouquet of Jubilee General Takaful, designed to cover your sacred trips to Iraq & Iran. This Participant Membership Document provides monetary compensation to the dependents of the pilgrims against any unfortunate event.

Main Feature of Via Care Travel Takaful Ziarat Plan

  • Medical Expenses for Accident / Sickness, covers hospitalization expenses for accident or illness during the pilgrimage
  • Accidental Death and Permanent Total Disability due to act of Terrorism
  • Personal Accident (Accidental Death & Permanent Disability) inclusive of Terrorism cover
  • Death Burial & Repatriation expense
  • Baggage & Cash Loss

Package Types

  • There are two (02) packages for this product:
  • Plan for Death cover Rs. 300,000
  • Plan for Death cover Rs. 500,000
  • All individuals intending to perform pilgrimage activity are eligible for this coverage. (Children below 18 years and traveling with parents are covered on the basis of form ‘B’)
  • Participant’s age of coverage is maximum up to 65 years.

The Coverage is available onIndividualbasis for following stay limits:

  • Up to 15 days
  • 16 - 30 days
  • 31 – 45 days

Product Plans with Limits

Sr. No. Benefits Plan A (PKR) Plan B (PKR)
1 Accidental Death and Permanent Total Disability 300,000 500,000
2 Accidental Death and Permanent Total Disability due to act of Terrorism 300,000 500,000
3 Hospitalization 75,000 150,000
4 Burial & Repatriation* 50,000 100,000
5 Loss of Checked in Baggage 20,000 40,000
6 Loss of Cash 10,000 20,000

* In case of Natural Death only

Contribution Table

Sr. No. Maximum Stay Limit Plan A (PKR) Plan B (PKR)
1 Upto 15 days 500 1000
2 16 – 30 days 1000 2000
3 31 – 45 days 1500 2500

ViaCare home trip Participant Membership Document Brief

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ViaCare Travel Takaful

Insure your travel, Preserve your memories

Major Coverage

Jubilee general takaful provides the expatriates of Pakistan with an option to conveniently purchase its home trip travel takaful online. In insured to keep you covered in case of accidents, hospitalization and travel related inconvenience.
Offers expatriate(s) who travel to Pakistan to visit their family, friends or on business an takaful cover up to $10,000 for hospitalization, medical expenses, accidental death and permanent disability

Package Types

HomeTrip ViaCare offers

  • Plan for Individuals
  • Plan for Family

1) Participant’s age of coverage is up to 65 years starting from the age of 18
2) The Family package includes the Participant, spouse and up to 4 children of age between 6 months to 18 years.

Viacare home trip Plans with Limits & Contribution

Coverage/Benefits HomeTrip Limits
Accidental Death & Permanent Disability US $ 10000
Medical Expenses & Hospitalization Abroad US$10,000
Transport or Repartition in case of illness or injur US$15,000
Emergency Dental Care US$ 500
Repatriation of Family Member traveling with US$1,500
Repatriation of Mortal Remains US$5,000
Return of Dependent Children US$5,000
Emergency Return Home Following Death of close Family Member US$5,000
Loss of Passport US$100
Trip Cancellation US$250
Delayed Departure US$250
Loss of Checked-in Baggage US$250
Compensation for delay in the arrival of luggage US$100
Travel And Stay Over One immediate Family Member US$100 per day for 10 days only

EXCESS:

Medical Expenses and Hospitalization: USD 100
Trip Cancellation: USD 35 
Delayed Departure: 8 Hours

Contribution Payable in PKR (Individual and Family)

Contribution Payable in PKR
(Individual and Family)
Tenure
Stay Limit
Multipurpose
Individual Family
7
7 750 1,100
14
14 950 1,500
21
21 1,400 2,100
31
31 1,900 2,850
62
62 3,300 5,800
92
92 6,550 10,000
180
92 9,200 18,800
365
92 11,100 22,000

ParentsCare Brief

Please Click Here for Participant Membership Document Brief.

LifeStyleCare Brief

Please Click Here for Participant Membership Document Brief.

FamilyCare Health Brief

Please Click Here for Participant Membership Document Brief.

PersonalCare Health Brief

Please Click Here for Participant Membership Document Brief.

HerCare Health Policy brief

Please Click Here for Participant Membership Document brief

HomeCare Brief

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SelfCare Brief

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SELFCARE (Accidental Death, Disability & Medical Expense Takaful Cover)

Get Protection against unforeseen events

Coverage

Coverage against the risk of the following in case of Road & Non-road accidents and Terrorism activity

  • Accidental Death
  • Permanent Disability
  • Temporary Total Disability
  • Medical Expenses
  • Burial and Repatriation Expense

SelfCare Plans with Limits & Contribution

Risk Covered Plan A Plan B Plan C
Accidental Death & Permanent Disability 200,000 350,000 500,000
Accidental Medical Expenses 20,000 35,000 50,000
Burial & Repatriation 20,000 35,000 50,000
Total Sum Covered 240,000 420,000 600,000
Net Contribution 800 1,200 1,700

PMD Brief Personal Accidents

Please Click Here Participant Membership Document Brief Personal Accidents

Motor Takaful Participant Membership Document Briefs

Personal HealthCare PMD Wording

Please Click Here for Participant Membership Document Wording.

Critical Illness PMD Wording

Please Click Here for Participant Membership Document Wording.

FamilyCare Health PMD Wording

Please Click Here for Participant Membership Document Wording.

ViaCare Home trip PMD Wording

Please Click Here for Viacare home trip Participant Membership Document Wording.

PersonalCare Health PMD Wording

Please Click Here for Participant Membership Document Wording.

ParentCare Health PMD Wording

Please Click Here for Participant Membership Document Wording

HerCare Health PMD Wording

Please Click Here for Participant Membership Document Wording.

HomeCare PMD Wording

Please Click Here for Participant Membership Document Wording.

SelfCare PMD Wording

Please Click Here for Participant Membership Document Wording.

   

Travel FAQs

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Why should I buy ViaCare Travel Insurance?

Because we offer variety of benefits to protect you & your family from various perils ranging from emergencies away from your home to loss of baggage and flight delay. Also, it is mandatory to carry ViaCare Travel Insurance when flying to certain countries.

Up to what age does this policy cover?

Insured’s age of coverage under this policy is up to 65 years.

How many family members can be covered in a family package?

ViaCare family packages include the insured, spouse and up to 4 children aged between 6 months to 18 years.

How do I pay for my policy?

The payment is done upfront either with a credit card or by paying cash on delivery.

What is the stay limit for multiple trip packages?

Maximum stay limit for multiple trip packages is 92 days. This applies even for the yearly policies.

What medical expenses are covered in case of an emergency?

Company shall pay medical, pharmaceutical, hospitalization as well as the ambulance expenses from the place of the accident to the nearest medical center in case of any emergency.

How do I renew my annual ViaCare policy?

This policy can be renewed at the end of the year through our website.

What company will pay in case of delayed baggage?

We will pay for emergency replacement of clothing, medication and toiletries if the baggage is temporarily lost in transit during the outward journey and not returned to you within 12 hours provided a written consent is sent to us by the airline company.

In case of delayed departure what would the company pay?

If you are delayed for at least 8 hours from the scheduled time of departure due to strike, industrial action, adverse weather conditions, mechanical breakdown or technical fault, we will pay upto the limits mentioned in the schedule.

Can I buy domestic travel insurance from Jubilee General?

Yes, we do have a domestic travel plan that covers you if you are traveling domestically by air. The plan offers coverage for up to 30 days of your travel and has a wide range of covers to offer.

What are the major risks covered under a domestic travel policy?

There are six main covers being offered in our domestic travel policy, namely:

  • Personal accident
  • Accidental Medical reimbursement
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Loss of Baggage
  • Loss of C.N.I.C

What is the eligibility age for a Student ViaCare policy?

To be eligible for this policy you should age between 18-50 years.

What is covered under a Student ViaCare plan?

The main covers being offered in our Student travel policy are as follows:

  • Medical expenses for accident/sickness, covers hospitalization expenses for accident or illness abroad
  • Personal accident (accidental death & permanent disability)
  • Tuition assurance
  • Travel & stay over of one immediate family member
  • Medical evacuation
  • Death repatriation
  • Baggage & passport loss & delay
  • Specialty assist 24-hour assistance

Tuition assurance

HealthCare FAQs

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Why I should buy HealthCare Insurance?

With HealthCare you can ensure that in case of a medical emergency, you are able to pay for your medical expenses. Jubilee General HealthCare products are customized, with distinctive features being offered at competitive premiums.

How does a Family HealthCare Insurance operate?

Jubilee General’s Family HealthCare is a hospitalization cover that protects you, your spouse and your children in case of an accident or illness that may lead to hospitalization.

The sum insured floats over the entire family, protecting you and your loved ones against in-patient expenses— financially strengthening you. It is a simple to take out and easy to pay for policy with various unique features to offer to the insured.

What are the main features of a Family HealthCare plan?

The basic features of a Family HealthCare plan include:

  • No medical tests or reports required
  • Family Health Card
  • You do not pay cash! Avail cashless claims settlement directly at our listed hospitals, all you do is flash your health card!
  • 24/7 medical hotline
  • Discount centers: avail enticing discounts at various labs, pharmacies and clinics
  • Free lookup period: if you are not happy with your policy, you may cancel it within 14 days and get a full refund.
  • No claims bonus on renewals
  • A carefully selected panel list of over 200+ prestigious hospitals nationwide
  • Pre-existing medical conditions covered on the 5th renewal

What is the entry age limit in a hospitalization package for adults?

18-49 years

How many children can be insured in a family package?

Up to 4 children

To what age can my hospitalization policy be renewed?

49-59 years

What is the maximum age limit for the children to enroll in a family policy?

1-23 years

What are the major exclusions of a hospitalization policy?

The major exclusions of this policy are as under:

  • Any maternity expenses
  • Any out-patient expenses
  • Policy will not be available for any preexisting conditions until 48 months of constant renewals
  • Waiting period: will not cover any expenses occurring during the first 30 days of the inception of the policy, except the accidental injuries. However, waiting period does not apply on renewals.

What is the time duration of these HealthCare plans?

Jubilee General HealthCare plans offer you coverage for a year.

What is the main coverage of a HealthCare hospitalization plan?

The main coverage for HealthCare hospitalization plans include:

Hospitalization:Surgical & Miscellaneous expenses/ In-Hospital Consultations/ Intensive Care Charges/ Surgical Fees/ Anaesthitist's Fee/ Operation Theatre Charges/ Prescribed Medicines/ Diagnostic Investigations/ Blood & Oxygen Supplies/ Ventilator & Allied Services/ Day care procedures including Kidney Dialysis/ Chemotherapy & Radiotherapy for Cancer

Pre hospitalization Expenses:Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital

Post hospitalization Expenses:Covering Consultations, Medicines and Laboratory tests after discharge from the hospital

Emergency Local Ambulance Expenses:Both local and international

How does a CriticalCare Insurance operate?

Jubilee General’s CriticalCare is a plan that protects you against 7 major critical illnesses.

It offers you a lump sum amount upon the diagnosis of these illnesses without the need for the insured to produce any medical bills and tests.

What is the main coverage of this CriticalCare Insurance plan?

The 7 critical illnesses covered under this policy are:

  • Cancer
  • Open Chest Coronary Artery Bypass Surgery
  • Heart Attack (Myocardial Infarction)
  • Kidney Failure
  • Stroke
  • Major Organ Transplant
  • Paralysis

What are the main features of a CriticalCare plan?

Jubilee General CriticalCare Insurance has the following features to offer:

  • No medical tests or report required
  • Cash to pay for medical treatments not covered in your health plan
  • Cash to pay your loans while you are recovering
  • Cash to pay your children’s college and school fees
  • Cash so you can travel for treatments not locally available
  • Cash to protect your lifestyle

What is the entry age limit in a CriticalCare package for adults?

18-50 years

Up to what age can my CriticalCare policy be renewed?

Up to the age of 60 years

What are the major exclusions of a CriticalCare policy?

The major exclusions of a CriticalCare policy are as under:

  • Benefits will not be available for any preexisting conditions
  • Waiting period: will not cover any illnesses being diagnosed during the first 90 days of the inception of the policy
  • Insured person needs to survive for 30 days from the date of diagnosis to be able to claim the amount
  • Once the claim has been paid, the policy cannot be renewed

ParentsCare Insurance- FAQs

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What is ParentsCare Insurance/ who is eligible to purchase?

For the first time in Pakistan, Jubilee General Insurance has introduced “ParentsCare” Insurance, which is one of its kind health insurance plan for people who at the time of purchase, fall within the age bracket of 45-65 years (once covered, policy can be renewed yearly tillage 70). It can be bought for oneself, one’s spouse, parents and parents-in-law.

What does ParentsCare Insurance cover?

ParentsCare Insurance offers the following coverage:

1. HospitalizationCovers the insured person for in-patient hospitalization expense including:

  • Room rent
  • ICU charges
  • Day care surgeries
  • Hospital and surgical expenses
  • Physician’s and surgeon’s visit fee
  • Lab tests and x-ray exams
  • Operation theatre charges
  • Anesthesia and administration charges
  • Blood transfusions
  • Physiotherapy

Ventilator and allied services

2. Pre and Post Hospitalization ExpensesUp to 30 days of pre and post hospitalization expenses coverage including:

  • Physician’s fee
  • Cost of prescribed medicines
  • Cost of lab tests
  • Dressing and stitch removal charges
  • 3. Ambulance ChargesAmbulance charge up to Rs. 3,000 per policy year can be claimed in this policy

4. Accidental Medical Expenses Coverage

5. Medical Second Opinion (MSO) BenefitInternational Medical Second opinion from Mediguide International for more than 100 top hospitals across the world.

What are the plan options that I can avail?

The following plans are being offered currently for ParentsCare:

  • Silver PKR 200, 000
  • Gold PKR 300, 000
  • Platinum PKR 500, 000

What is the time duration of ParentsCare Insurance cover?

Jubilee General HealthCare plans offer you coverage for 1 year from the date of issue.

I have diabetes, can I still purchase the ParentsCare policy?

Any condition one has prior to purchase of the policy such as diabetes, hypertension, heart disease etc. are known as ‘pre-existing conditions’ and any treatment which is because of the pre-existing condition(s)* is only partially covered under the policy— starting from 10% of the limit in the first year and then going up at every consecutive renewal till it reaches 50% of the limit— as per the chart below.

  • 1st year of cover 10% of the annual limit
  • 2nd year of cover 20% of the annual limit
  • 3rd year of cover 30% of the annual limit
  • 4th year onwards 50% of the annual limit

*Pre-existing Conditionsmeans as any injury, illness, condition or symptom:

  • for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Issue Date of this Policy for the Life Assured, or
  • which originated or was known by the Policy Owner or the Life Assured to exist prior to the Issue Date of this Policy, whether or not treatment, or medication, or advice or diagnosis was sought or received.

Is there a waiting period that triggers when I buy ParentsCare Insurance cover?

Yes, a waiting period of 60 days will apply for the coverage from the date of issue of the policy. This, however, is not applicable in case of renewals or accidental cover claims.

What other features can I enjoy upon buying ParentsCare from Jubilee General?

The following additional features can be enjoyed upon the purchase of ParentsCare:

  • Credit facility on 400+ hospitals all across Pakistan
  • 24/7 medical hotline for coordinated care and facilitation through trained professionals
  • Customized health card
  • Savings with health insurance policy through discounts on outpatient services (pharmacies and labs) at selected outlets
  • Medical Second Opinion from International Hospitals
  • Free look up period of 14 days

In case of Medical Second Opinion, who should I contact?

For Medical Second Opinion call MediGuide at 111-11- CARE (2273) for complete detail on how to avail this benefit.

Can I switch my plan after purchasing ParentsCare Insurance?

No, plan can only be switched upon renewal.

What are the major exclusions of the plan?

The following are the major exclusions of this product:

  • Benefits will not be available for Pre-existing Conditions* beyond the extent mentioned in the schedule of benefits.
  • Treatment from non-panel hospitals
  • Will not cover any expenses occurring during the first 60 days of the inception of policy, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break.
  • Cosmetic, aesthetic and related treatment
  • Congenital anomalies beyond the extent mentioned in the schedule of benefits
  • HIV-AIDS or any sexually transmitted disease
  • Any fertility/impotence/ sterilization procedure or treatment
  • Pregnancy related expenses ad complications
  • Psychiatric treatment
  • War, invasion, civil commotion
  • Cost of limbs/ prosthetics/ hearing aids / crutches /dentures
  • Drug abuse / self-inflicted injuries
  • Any outpatient expenses.

Please refer to the policy document for complete set of exclusions

Who can I reach in case of any queries or claims?

The following are the contact centers in case of complaints, queries and claims:

For Complaints or Queries:Toll Free Number: 0800 03786
Email: buyonline@jubileegeneral.com.pk
Address: Retail Business Division, Jubilee General Insurance Company Limited, 2nd floor, I.I. Chundrigar Road, Karachi, Pakistan.

For Emergency, Claims & Hospital related matter:24/7 Medical Hotline: (021) 111-111- 544
Email: customer.services@jubileehealth.com
Address: Health Insurance Administration Office, 36-A/2 Lalazar, M. T. Khan Road, Karachi-74000,Pakistan.

Medical Second Opinion FAQs

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HerCare FAQs

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Q1. How does a “HerCare” Insurance plan operate?

Jubilee General’s HerCare Insurance provides cover for women against major female cancers, burns and paralysis. It offers you a lump sum amount upon the diagnosis of any of these without the need for the insured to produce any medical bills and tests.

Q2. What is the main coverage of “HerCare” Insurance plan?

A. The main coverage offered in HerCare Insurance is as follows:

I. Female Cancers
  • Breast Cancer
  • Fallopian Tube Cancer
  • Uterine / Cervical Cancer
  • Ovarian Cancer
  • Vaginal Cancer &
  • Carcinoma in situ (normally excluded in critical insurance plans)
II. Burns
  • Burns involving 40% or more of the body surface area
  • Second or third degree burns caused by accidental thermal, electric or chemical burn
III. Paralysis
  • -Persisting for more than 6 months from the date of diagnosis. Caused by disease/accident and certified by a physician of insured’s complete and permanent
  • Loss of functionality of both arms or both legs
  • Loss of functionality of one arm or one leg

Additional Benefit: Congenital Disability Benefit- Sub limit (50% of sum Assured)

An amount equal to 50% of the sum assured will be payable under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below and the child survives 30 days from the date of diagnosis. This benefit will be available for first two children only and will not be available if the birth of the child occurs after the proposer attains the age of 40 years

  • Down’s syndrome
  • Congenital Cyanotic Heart Diseases
  • Spina Bifida
  • Tracheo-esophageal fistula
  • Cleft Palate/ Without Cleft lip

Q3. What are the main features of “HerCare” Insurance?

A. Some of the main features of HerCare Insurance are as follows:

  • No medical tests required
  • 14 days free look up period
  • International Medical Second Opinion: MediGuide's Medical Second Opinion services by calling at the following number:111-11-CARE (2273)

Q4. What is the entry age limit for “HerCare” Insurance?

A. Entry Age must be between 18-50 years (once covered, policy can be renewed yearly till 60th birthday).

Q5. What are the plans for this policy?

A. There are two types of plans

  • Platinum Plan with a limit of PKR 750,000/-
  • Gold Plan with a limit of PKR 500,000/-

Q6. Is there any need for medical test prior to taking this policy?

A. There is no need for any type of medical tests to avail this policy.

Q7. What is the time duration of “HerCare” Insurance cover?

A. Jubilee General HealthCare plans offer you coverage for 1 year from the date of issue.

Q8. Is there a waiting period that triggers when I buy “HerCare” Insurance cover?

A. Yes, a waiting period of 90 days will apply for the coverage from the date of issue of the policy. This, however, is not applicable in case of renewals.

Q9. What happens after the diagnosis of my critical illness?

A. The insured person needs to survive for 30 days from the date of diagnosis of critical illness for claim to be admissible.

Q10. In case of International Medical Second Opinion (MSO) who should I contact?

A. For Medical Second Opinion call MediGuide at 111-11- CARE (2273) for complete detail on how to avail this benefit.

Q11. Up to what age can my “HerCare” policy be renewed?

A. Once covered, policy can be renewed yearly till the 60th birthday of the insured

Q12. What are the major exclusions of a “HerCare” policy?

A. The major exclusions of a HerCare policy are as under:

  • Pre-Existing Conditions- Pre-existing Medical Condition means any sickness, disease or injury or any symptom related to such sickness, disease or injury which has been diagnosed, treated or is under treatment or has been known, even if so medical advice or treatment was sought, before the effective date of this insurance. No liability will be accepted by JGI for any Pre-existing Medical Condition.
  • Willful self-inflicted injury by/to the Life Assured or unreasonable failure to seek or follow medical advice.
  • Infection with Human Immuno-deficiency Virus (HIV) or variants (including Acquired Immune Deficiency Syndrome (AIDS)) or AIDS Related Complex (ARC).
  • Radiation induced burns
  • Death within 30 days from the diagnosis of the CI.
  • Willful misuse of drug.
  • Others-

Please refer to the policy document for complete set of exclusions

Q13. Who can I reach in case of any queries or claim?

The following are the contact centers in case of complaints, queries and claims:

  • For Complaints or Queries:
  • Toll Free Number: 0800 03786
  • Email: buyonline@jubileegeneral.com.pk
  • Address: Retail Business Division, Jubilee General Insurance Company Limited, 2nd floor, I.I. Chundrigar Road, Karachi, Pakistan.
  • For Emergency, Claims & Hospital related matter:
  • 24/7 Medical Hotline: (021) 111-111- 544
  • Email: customer.services@jubileehealth.com
  • Address: Health Insurance Administration Office, 36-A/2 Lalazar, M. T. Khan Road, Karachi-74000, Pakistan.

HomeCare FAQs

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SelfCare FAQs

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WHAT IS SELFCARE PLAN?

Jubilee General SelfCare is Personal Accident Insurance, which protects YOU and your loved one for financial losses for unfortunate accidental death and total permanent & temporary disabilities. If the customer chooses to add Accidental Medical Expenses coverage to the Plan, all Accidental medical expenses up to assigned limit that occur as a result of an accident will also be covered as per policy.

WHAT IS PERSONAL ACCIDENT INSURANCE?

This insurance covers the insured against accidental death, temporary & total permanent disabilities. If the insured dies as a result of an accident due to risk defined in policy, coverage limit in the plan that he/she chose will directly be paid to the beneficiaries (Spouse or Blood Relatives) of the insured.

WHAT PLANS ARE AVAILABLE AND UP TO WHAT LIMITS?

Risk Covered Plan A Plan B Plan C
Accidental Death & Permanent Disability 200,000 350,000 500,000
Accidental Medical Expenses 20,000 35,000 50,000
Burial & Repatriation 20,000 35,000 50,000
Net Premium 800 1,200 1,700

WHAT IS ACCIDENT AS PER JGI SELFCARE POLICY?

Accident means a sudden unexpected, unusual, specific event which occurs at an identifiable time and place, conveyance but shall also include exposure resulting from a mishap to an Insured who is traveling.

IS THERE ANY AGE LIMIT TO GET SELF CARE INSURANCE?

The maximum age limit for this coverage is 65 years.

HOW CAN I GET SELFCARE INSURANCE PLAN?

All you have to do to avail any insurance plan is follow the series of questions under that particular plan. We offer different types of insurance plans whose differences are based on premium or specific information. This is why our plans are custom made to cater to you. All you have to do is answer the questions that come in front of you and you will be able to find a plan that suits your needs.

IS PERSONAL ACCIDENT INSURANCE EXPENSIVE?

No, Personal Accident is actually an inexpensive insurance product for all classes of society. You just have to pay nominal amount for this coverage and you are covered for the whole year for any kind of accident that may happen.

FOR HOW LONG I AM COVERED?

This is an annual policy and you will be covered for the whole year (12 months) from the date of inception till the expiry date for any kind accident that may happen as per company policy.

WHAT SHOULD I DO IN CASE OF ACCIDENT?

You can follow following simple steps to process your claim: 
In case of any mishap, please contact JGI 111-654-111, or 0800-3786 within 24 hours of the incident

Retail Business Division
Jubilee General Insurance Company Limited
Head Office, 2nd floor, Jubilee Insurance House,
I. I. Chundrigar Road, Karachi
buyonline@jubileegeneral.com.pk
Phone: 32416022-26 ext. 322
Direct: 021 3 2462225

Jubilee General Insurance will appoint Government licensed surveyor who will contact you and collect all requisite documents from you.

WHAT ARE THE NECESSARY DOCUMENTS TO BE SUBMITTED TO JUBILEE GENERAL INSURANCE CLAIMS DEPARTMENT IN CASE OF A CLAIM?

In case of a claim, following documents should be submitted:

  • FOR DEATH CLAIMS:

Death Certificate from concerned Municipal Office

Death Certificate from Hospital / doctor

Burial Certificate

Police Report

  • FOR PERMANENT TOTAL DISABILITY CLAIMS:

Doctor’s or hospital’s report that states and approves the state of disability.

  • FOR MEDICAL EXPENSES:

Doctor Report

Original invoice that documents the Medical Expenses

WHAT ARE THE EXCLUSIONS IN SELFCARE POLICY?

Intentional Self Injury, suicide or attempted suicide whether felonious or not.

War, Terrorism, Sabotage and nuclear exclusion

The insured being under the influence of, or being affected by Intoxicants or in a pregnancy/ natal related condition

The insured engaging or taking part in naval, military, air force and law enforcement service or operations.

Others: Please refer to the policy document for complete set of exclusions

HOW MUCH TIME DOES IT TAKE TO SETTLE THE CLAIM?

15 days after submission of complete documents.

Personal Accident FAQs

Please Click Here Policy Brief Personal Accidents

Motor Insurance FAQs - Old Car Comprehensive

Tracker Details:For certain vehicles tracker is mandatory to be installed in the vehicle. Suzuki Bolan, Mehran, Daihatsu Cuore and all variants of Toyota Corolla should have the tracker in them.

Will I get compensation if my car is torched during a public strike or a riot?

Yes. Riot and strike damage is covered under the policy.

Will I be indemnified in case of an accident if someone else is driving my car?

Only in the case where the drivers are identified by the insured as drivers of the vehicle are entitled to indemnity in case of loss

What are the geographical parameters to my cover?

Covered all across Pakistan

Am I covered in case of meeting an accident while driving a car not belonging to me?

Yes.

How would I be indemnified in case of loss?

Indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

What do I do in case my car gets snatched or it meets an accident?

File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

Is car tracker a prerequisite to buying this policy?

No. For Old Car Comprehensive cover, tracker is not mandatory.

How old does my vehicle have to be in order to be insurable under the Old Car Comprehensive policy?

It needs to be older than 5 years from the year of manufacturing

What disqualifies the vehicle from being insured in old cars insurance?

Any vehicle which has existing damages such as (or combination of below)

  • Dents on all sides
  • Broken panels due to rusting/corrosion
  • Broken lights and faulty electronic connections
  • Broken/Tampered Pallet where Engine/Chassis# are mentioned
  • Broken/Tampered/Non-Genuine Number Plates
  • Vehicles with Government Number Plates and Vehicles of Armed Forces

All such vehicles should be declined

Motor Insurance FAQs - 3T Old Car

In case of total loss to my car, who would be entitled to the salvage?

The Company has rights to the salvage.

What does constructive total loss mean?

Constructive total loss is defined in the policy as when the actual cost of repairs exceeds 60% of the market value or the insured estimated value of the vehicle— whichever is lower

How old does my vehicle have to be in order to be insurable under the 3T policy?

It needs to be older than 5 years from the year of manufacturing

What are the geographical parameters to my cover?

Covered all across Pakistan

How would I be indemnified in case of loss?

In case of Third Party loss, indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

What do I do in case my car gets snatched or it meets an accident?

File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

What disqualifies the vehicle from being insured in old cars insurance?

Any vehicle which has existing damages such as (or combination of below)

  • Dents on all sides
  • Broken panels due to rusting/corrosion
  • Broken lights and faulty electronic connections
  • Broken/Tampered Pallet where Engine/Chassis# are mentioned
  • Broken/Tampered/Non-Genuine Number Plates
  • Vehicles with Government Number Plates and Vehicles of Armed Forces

All such vehicles should be declined

Motor Insurance FAQs - Private Car Comprehensive

Will I get compensation if my car is torched during a public strike or a riot?

Yes. Riot and strike damage is covered under the policy.

Will I be indemnified in case of an accident if someone else is driving my car?

Only the drivers identified in the proposal form will be acknowledged as drivers eligible for indemnity

What are the geographical parameters to my cover?

Covered all across Pakistan

Am I covered in case of meeting an accident while driving a car not belonging to me?

Yes.

How would I be indemnified in case of loss?

Indemnity could be in the form of cash, repair or replacement depending upon the type of loss.

What do I do in case my car gets snatched or it meets an accident?

File an FIR (in case of snatching) and lodge a claim at Jubilee General Insurance Company Limited

Is car tracker a prerequisite to buying this policy?

For certain vehicles tracker is mandatory to be installed in the vehicle. Suzuki Bolan, Mehran, Daihatsu Cuore and all variants of Toyota Corolla should have the tracker in them.

Will the company bear my car tracker costs?

No. To be borne by the insured in all cases and it should be of a tracker company approved by JGI.

Glossary & Definitions

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1. Premiums:The amount you have to pay per year to avail the medical & health-care facilities.

2. In-Network Hospitals:If you are in-network, you are dealing with a doctor or hospital that has agreed to work with your insurance company at particular service rates.

3. ViaCareViaCare is dedicated to meeting all your travelling needs, whether it is domestic travel or international. We insure all your trips for business or for pleasure, regardless of whether you are going alone or with family. We even cater to students who want to insure their time studying abroad: Tuition fee included.

4. HealthCareUnder the HealthCare Umbrella, we cater to both individuals and families. We works towards insuring your personal lifestyle in the way that you want. Our elaborate network of plans will cater to many different unique family systems that give you a personalized experience.

5. SelfCareAnything that can happen, will happen; which is why it is best to insure yourself against any accidents that may occur. In today’s fast-paced world you can easily run into trouble so it is wise to insure yourself against anything and everything around you.

6. Critical IllnessIn today’s world where you are already swamped with endless expenses, critical health care expenses are hard to keep up with. If there is any problem or disease that may befall you, you need to dedicate your time to taking care of yourself instead of worrying about expenses. Let us to that for you instead!

7. HomeCareYou may have insured yourself and your family, but to attain even more peace of mind you should also take great care of your personal living space. There is nothing more satisfying than knowing the home you live in and the possessions that you keep in it are safe from any harm that may befall them.

8. Core Benefits:The most basic or fundamental benefit that the insured patient derives from Jubilee Insurance.

9. Anesthetics Fees:The amount paid to receive an anesthetic procedure.

10. Pathological & radiological investigations:Pathological investigations are tests conducted to study the nature, effects, causes and consequences of disease. A radiological investigation is any sort of investigation that requires imaging procedures e.g. x-rays, ultrasound, CAT scans.

11. EEGs:An electroencephalogram is a test that detects electrical activity in your brain using small, flat metal discs (electrodes) attached to your scalp. This activity shows up as wavy lines on an EEG recording.

12. MRI:Magnetic resonance imaging (MRI) is a technique that uses a magnetic field and radio waves to create detailed images of the organs and tissues within your body.

13. CT Scans:A technology that uses computer-processed x-rays to produce images (virtual 'slices') of specific areas of the body, allowing the user to see what is inside it without cutting it open.

14. ETT:Endotracheal tube - a tube inserted (as through the nose or mouth) into the trachea to maintain an unobstructed passageway especially to deliver oxygen or anesthesia to the lungs.

15. Echo:A test of the heart using ultrasound waves to produce a visual display, for the diagnosis or monitoring of heart disease.

16. Thallium Scan:Test that uses a radioactive substance to produce images of the heart muscle. When combined with an exercise test, the thallium scan helps determine if areas of the heart do not receive enough blood.
Angiography: Radiography of blood vessels - uses X-ray imaging to see your heart's blood vessels and how much blood is being pumped to and back from the heart.

17. Angioplasty:Surgical repair or unblocking of a blood vessel, especially a coronary artery.

18. Ventilator & Allied services:A machine that mechanically assists a patient in the process of breathing, sometimes artificially. Allied services are support services provided by helping staff.

19. Diagnostic or Therapeutic Endoscopies Procedures:A procedure that allows the visualization of more of the small bowel than is possible with EGD, through the use of a long conventional endoscope, a wireless camera mounted in a swallowed capsule, or a double-balloon endoscope.

20. In-patient:A patient who lives in hospital while under treatment.

21. Out-patient:A patient who attends a hospital or sees a doctor as an out-patient or obtains an out-patient test and receives treatment without staying overnight in a medical facility.

22. Psychiatric treatments:Treatment of mental disorders and behavioral disturbances using verbal and nonverbal communication, including receiving medications and other procedures.

23. Diagnosis coverage:Insurance covering a defined type/number of diagnostic tests.

24. Prescription Drugs:Licensed medicine that is regulated by legislation to require a medical prescription before it can be bought.

25. Accommodation:A hospital stay, at least overnight.

26. Surgical appliances and prosthesis:An appliance serving as an aid to or as a part of a surgical procedure such as a heart valve.

27. Chronic conditions:A chronic condition is defined as one that is long term and requires ongoing monitoring and treatment. It cannot be cured but it can be alleviated. It is likely to be life-long and requires you to be specially trained on how to deal with it.

28. Pre-existing conditions:These conditions are those which you have had prior to taking out a health insurance policy.

29. Physiotherapy:The treatment of disease, injury, or deformity by physical methods such as massage, heat treatment, and exercise rather than by drugs or surgery.

30. Radiotherapy:The treatment of disease, especially cancer, using X-rays or similar forms of radiation.

31. Work-related injury:An injury/illness which occurs in the last 12 months, where a person suffers either physically or mentally from a condition that has arisen out of, or in the course of, employment.

32. Renal Failure:A medical condition in which the kidneys fail to adequately filter waste products from the blood, leading to complications or failure of the kidneys.

33. CAD requiring surgery:Coronary artery disease is a narrowing or blockage of arteries and vessels that provide oxygen and nutrients to the heart.

34. Accident:This means an unexpected, unforeseen and undesirable event, especially one resulting in bodily injury.

35. Bodily Injury:This means any accidental physical bodily harm solely and directly caused by external, violent, visible and evident causes but does not include any sickness or disease.

36. Hospital:Any institution in Pakistan established for indoor care and treatment of sickness and injuries and which has been registered either as a Hospital with the local authorities and is under the supervision of a registered and qualified Medical Practitioner’ or should comply with minimum criteria as under:

  • It should have at least 30 inpatient beds
  • It should have a fully equipped operation theatre of its own, whenever surgical operations are carried out
  • It should have fully qualified nursing staff under its employment round the clock
  • A fully qualified Medical Practitioner (s) should be in-charge round the clock.

Discount Centers

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Panel Hospital List

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Sehat Kahani Guide

Please Click Here for Sehat Kahani guide.

MediGuide's Medical Second Opinion Program

Please Click Here for MediGuide's Medical second opinion program.

Medical Second Opinion Top Hospital List

Please Click Here for Top Hospital List.

Compare Plans

Please Click Here for Plan Comparison.

List of panel tracking companies

Revised List of Approved Tracker Companies

In continuation of Memo dated September 30, 2014 the following are the revised approved tracking companies:

  • C-Track (Tracker Private Limited)
  • Star Technologies
  • Trafco Tracking
  • Sky Track (4 B Solutions Private Limited)
  • Megatech Trackers Private Limited
  • Premier Tracking Solutions (Pvt) Limited
  • Falcon-i (Pvt) Ltd
  • SecureTrack Private Limited

Falcon-i and SecureTrack are new additions in Jubilee's approved tracking companies list.

Contact Us

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If there is still any query that our FAQ section and Glossary doesn’t satisfy, then you can feel free to contact us on ( 9221) 111-654-111 or 0800-03786. Our customer service representatives are always eager to help you. You can even drop us an email at buyonline@jubileegeneral.com.pkand we will cater to the questions that you have.