Anyone who is aged between 18 and 65 years, can pay a nominal fee, can benefit from JazzCash Sehat Sahulat. One registration or policy will cover only one person.

As soon as confirmation SMS is received from JazzCash, health coverage will start. However, in case of admission in hospital due to illness, a waiting period will apply. Waiting period is fifteen (15) days in annual policy and (5) five days in monthly policy.

This condition will not apply if the admission in hospital is due to accident.

Yes, the customer can go to any registered hospital in Pakistan. Registered hospitals means an institution:

• Which is licensed as per laws of Pakistan to provide medical treatment
• Which has basic facilities for diagnostic & laboratory tests, medical diagnosis & treatment, and surgery
• Which provides 24 hours nursing service comprising registered graduate nurses under supervision of an in-house physician in-charge
• Where medical treatment is provided under proper documented procedures
• Which keeps medical record of each patient on a daily basis and allows insurance company easy access to medical record

Admission in a clinic will not be considered admission in a hospital. Therefore, customers will not be able to claim benefit of admission in a hospital. However, only in case of accident, customers can claim reimbursement of actual expenses incurred in a clinic by providing receipts.

You can select any of the following payment modes to pay subscription charges:

OneTime (Annual): PKR 999

Monthly: PKR 83

If you choose to pay monthly charges, your subscription will automatically continue to be renewed by deduction of charges from your JazzCash mobile account

Maximum coverage for a single admission in hospital is thirty (30) days. There is not limit on the number of hospitalisations in a year.

There is a limit of Rs. 30,000 on reimbursement for treatment expenses due to accident.

These limits apply on one year of coverage.

The coverage will end in any of following cases:

• When the customer turns sixty five (65) years old
• When the customer does not pay the charges to renew Sehat Sahulat subscription
• When the customer makes a fraudulent claim

If a customer stops monthly premium payment their coverage will lapse and will not be automatically renewed. However, any claims lodged for the time coverage was active will be processed as per product terms and conditions.

For any queries about JazzCash Sehat Sahulat, please dial 4444

Claim process is very easy. If a customer is admitted in hospital they should follow following instructions:

• Submit claim from JazzCash App or inform about the hospitalization on claims helpline no. 051 – 8 466 466. A person accompanying the customer can inform the helpline also.
• Notify the claims helpline when the customer is discharged. Our representative will help the customer in making the claim. It is important to inform within fifteen (15) days of discharge from the hospital

We request customer to provide following documents at the time of claim:

• Treatment record of hospital which includes dates of admission and discharge, medical diagnosis and treatment
• A copy of customer’s CNIC
• A certificate issued by the doctor
• Claim form with signature
• Police and medico legal reports are required in case of hospitalization due to accident, violence and attempted suicide
• In case of accident, receipts of treatment expenses and prescriptions issued by doctor and the hospital

Claims are settled within five (5) working days (days on which banks are open), after complete documents are received. Claim payments are made via JazzCash mobile wallet or cheque. Submission of documents within fifteen (15) days of discharge from hospital is required for claim payment.

Customers paying monthly charges can cancel anytime by dialling *786*8*3*2# or via JazzCash App or by calling 4444 from their mobile phone to stop future collections of charges. Refund of paid instalments is not applicable

Customers who have paid annual subscription charges can cancel anytime by dialling *786*8*3*2# or via JazzCash App or by calling 4444 from their mobile phone within fourteen (14) days to cancel annual policy and charges will be refunded immediately, if the customer has not already filed a claim. If the policy is cancelled after 14 days then the charges will not be refunded

• If claim is made due to an illness or injury which was present prior to registration in JazzCash Sehat Sahulat
• Pregnancy and related complications
• In case of accidents, if Rs. 30,000 have already been paid to reimburse expenses, further expenses will not be reimbursed
• Attempted suicide, self-inflicted injury whether intentional or unintentional
• Consumption of narcotics, alcohol and poison
• A waiting period of thirty (30) days will apply if after remaining admitted in a hospital for thirty (30) days, a customer is again admitted due to related causes

Please call 4444 to notify your complaint.