Dost Muhafiz Women Health


Webdoc and JazzCash brings “Dost Muhafiz Women Health,” an innovative health insurance facility dedicated for our female customers and their families.

This coverage addresses the financial needs for health coverage for you and provides unlimited access to online doctors for your family. You can easily purchase this insurance plan using your JazzCash mobile account instantly.

With this hassle-free and simple service, customers will not have to go through time-consuming documentation processes, carry health insurance cards, or seek permission before treatment.

Product Features:

  • Risk Protection:The product offers a financial safety net to customers against the costs of hospitalization.
  • Call A DOC: A service that provides free telephonic consultation with a professional doctor. Registered customers’ family members can also call for telephonic consultation.
  • Fluent Process:The paperless enrollment process allows for enrollment in just a few minutes. No medical examinations are required for enrollment.

Product Details

JazzCash, in partnership with Webdoc Pakistan, brings Dost Muhafiz Women Health, which provide complete freedom in managing health-related risks. This new feature eliminates the need for customers to visit doctors in-person and provides unlimited free voice and video calls. With Dost Muhafiz Women Health, managing your health has never been more convenient and stress-free.


  • Financial protection in case of hospitalization
  • Coverage for customer and Free online consultation for entire family
  • No condition on panel hospitals
  • Generous cash benefit amounts
  • Simplified coverages tailored as per your needs
  • Instant claims processing through digital medium
Premium Rs. 2,000
Coverage Period Annual
Hospitalization – Maximum l
Rs. 100,000
Room and board General ward up to Rs. 5,000
Maternity Rs. 30,000
Covid Rs. 10,000
Rs. 120,000
Per month limit for Accidental
Rs. 10,000
Per Confinement Up to the Limit
Nursing Charges Not Covered
Food Charges Not Covered
Co-payment (in case of Treatment at a Non
Panel Hospital
100% re-imbursement
Unlimited Doctors Services
over the phone, Voice and Video for FAMILY
Ambulance Maximum Rs. 1000
MRI, CT scan, Endoscopy,
Angiography, Thallium Scan
(during hospitalization only)
  • Jazz Cash Women wallet users only
  • Age Limit:18-65 years
  • Age Limit for Maternity:18-45 years
  • Pre-Existing Conditions (PEC) Except Maternity is not covered
  • JazzCash Mobile Account holders can subscribe to JazzCash Dost Muhafiz Women Health by simply dialing *786*7*3*1*2#
  • Customers who do not have a JazzCash Mobile Account can simply dial *786# from their biometrically verified Jazz SIM to open their Account. Once the Mobile Account is registered, they can subscribe to Dost Muhafiz Women Health by dialing *786*7*3*1*2#
  • JazzCash Mobile Account customers can also subscribe to JazzCash by simply calling 051-8466336 or 04232153098 from Jazz mobile phone.
  • Claims will be calculated according to the normal charges of the hospital in the city where the claimant reside.
  • The maximum limit for surgeon fees is Rs. 10,000/- in the case of surgical procedures. Other charges such as anesthesia and operation room charges will be calculated at standard rates.
  • In case of a disease related to fever, claimants must provide a PCR/corona report.
  • Nursing charges are not payable.
  • Medicines upon discharge are not covered.
  • Food charges are excluded.
  • A 7-day waiting period is applied.

Webdoc (Pvt.) Limited is providing administrative services for JazzCash Dost Muhaifz & Women Health. Jazz cash Dost Muhaifz & Women Health is underwritten by UIC insurance which is registered and supervised by the Securities and exchange commission of Pakistan. UIC PVT LTD. is the insurance company of Jazz Cash Dost Muhaifz & Women health and is responsible for paying claims. The address of UIC PVT LTD is

Address: 2nd Floor, UIC House, 6-D, Upper Mall, Lahore-Pakistan

Payment of claims is subject to exclusions, as outlined below. Health Insurance Cover shall not cover

  • Any pre-existing conditions are not covered.
  • Congenital diseases are not covered.
  • HIV/Aids-related diseases are not covered.
  • Intentional and injuries due to quarrels are not covered.
  • Outpatient department (OPD) of all sorts – any admission less than 24 hours and no overnight stay is considered as OPD and will not be covered.
  • Surgical procedures such as cosmetic surgeries, joint replacements, and dental procedures are not covered.
  • Regular medications such as insulin are not covered.
  • Any special investigations that are not due to the admission or being an inpatient are not covered.
  • War, strikes, riots, civil commotion, and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that result in the declaration of a state of emergency on a local or national level are not covered

The company must be notified of the occurrence of an insured claim as soon as possible but no later than 15 (fifteen) days from the date of discharge from the hospital. Failure to do so will result in the claim being considered time-barred, and the company will not be liable to pay the claim.

For each Claim reported, the Company shall obtain:

From the Claimant:

  1. Admission Slip of Hospital
  2. Discharge Slip of Hospital
  3. 3. Doctor Prescription/Note for admission or Medical History
  4. Medical Reports if any
  5. Any Bills to be claimed.
  6. CNIC Both Sides
  7. 7. In the case of income loss compensation the customer must submit proof of income loss i.e salary slip etc.

If there is a dispute, suspected fraudulent activity on the claim, or a unique situation that requires further clarification, the payment period may be extended but shall not exceed fifteen (15) working days. If the dispute is resolved through the legal system, the payment period may be extended for a longer duration.

For claims, please reach out to 4444 or 051-8466336

Please confirm age limit for service activation?

18 to 64 years for general insurance
19 to 45 for maternity claim

What is this value-added free insurance?

Main product is only doctor consultancy for whole family members on 0348-1112242. Insurance is free with WebDoc Health Services only for Mobile account holder who activates the service. For Insurance age limit is 18-65 years.

Please confirm the total time of claim for insurance?

7 working days

Is there any turnaround time to report or to file the Claim, for the insurance?

Claims cannot be submitted after 15 days of admission in Hospital.

Is there any reversal or refund of this service?

Yes, within 14 days after subscription.

After service activation, is there any maturity time for claim?

7 Day maturity time for claims

Are doctors Pakistan Medical and Dental Council (PMDC) certified?

YES: All doctors are verified and approved by PMDC. All doctors are liable for their advice and consultancy.

How many times can the customer call or connect to a doctor during the subscription period?

No limit

How can the customer contact a Doctor?

Customer can dial 0348-1112242.. after subscription of service to avail the consultation services

who can avail the Women health service.

Women health services is only available for women wallet users.