Insurance

Sehat Sahulat

JazzCash brings for its valued customers, “JazzCash Sehat Sahulat” – An innovative Health Insurance facility that covers all financial needs to ensure complete health coverage. Customers will now be able to purchase insurance plans using their JazzCash Mobile Accounts instantly.

With this hassle free service, customers no longer need to go through time consuming documentation processes, carry health insurance cards or seek permission before treatment.

Product Features

  • Financial Protection: The product offers a financial safety net to customer against costs of hospitalisation.
  • Simple Enrolment Process: Paperless enrolment process allows enrolment in a matter of few minutes. No medical examinations are required for enrolment.

JazzCash in partnership with MicroEnsure Pakistan, brings JazzCash Sehat Sahulat providing complete freedom in managing health related risks. This exciting new product frees the customers from the hassle of finding panel hospitals. Instead, they can get treatment from hospital of their choice.

Features

  • Financial protection in case of hospitalization
  • Visit any facility of your choice. No condition on panel hospitals
  • Generous cash benefit amounts
  • Simple and easy to understand coverage
  • Fast and electronic claims processing
  • Accidental medical reimbursement cover
Charges for 1 year (Rs.) 999
Hospitalization benefit– Daily (Rs.) 1,000
Hospitalization benefit – ICU – Daily (Rs.) 2,000
Accidental Coverage – Annual (Rs.) 30,000
  • Benefit of up to 30 days, payable for one admission
  • No limit on the number of admissions in hospital during coverage period
  • Reimbursement for expenses incurred at hospitals/clinics for treatment of injuries due to any accident

A Simple Signup Process

  • JazzCash Mobile Account customers can subscribe to JazzCash Sehat Sahulat by simply dialing *786*8*3*1# or via JazzCash App
  • 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 JazzCash Sehat Sahulat by dialing *786*8*3*1# or via JazzCash App
  • JazzCash Mobile Account customers can also subscribe to JazzCash by simply calling 042-33339293 from Jazz mobile phone.

Subscribe 1 year Sehat Sahulat from your JazzCash Mobile Account and get 999 minutes, 999 MBs internet and 999 sms absolutely FREE..

For more information, please call 4444.

Terms and Conditions

  • Duration of the insurance is for 1 year from the date of enrollment and will continue for 1 year.
  • Age Limit: 18 – 65; waiting period of 15 days upon enrolment will apply
  • Treatment of pre-existing condition and any disease, illness, medical condition or injury which is a complication of a pre-existing condition, are excluded
Exclusions

Conditions in which a claim is not payable

  • Pregnancy and related complications
  • 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 same causes

Important Information

MicroEnsure Pakistan (Pvt.) Limited is providing administrative services for JazzCash Sehat Sahulat. JazzCash Sehat Sahulat is underwritten by EFU Life Assurance Limited, which is registered and supervised by Securities and Exchange Commission of Pakistan. EFU Life Assurance Limited is the insurance company of JazzCash Sehat Sahulat and responsible for paying claims. The address of EFU Life Assurance is:

EFU Life House, Plot No. 112, 8th East Street, Phase I, DHA, Karachi

Mobilink Microfinance Bank and JazzCash are distributors of JazzCash Sehat Sahulat. They are not responsible for paying claims to customers.

JazzCash in partnership with MicroEnsure Pakistan, brings JazzCash Sehat Sahulat providing complete freedom in managing health related risks. This exciting new product frees the customers from the hassle of finding panel hospitals. Instead, they can get treatment from hospital of their choice.

Features

  • Financial protection in case of hospitalization
  • Visit any facility of your choice. No condition on panel hospitals
  • Generous cash benefit amounts
  • Simple and easy to understand coverage
  • Fast and electronic claims processing
  • Accidental medical reimbursement cover

 

Charges for 6 months (Rs.) 599
Hospitalization benefit – Daily (Rs.) 1,000
Hospitalization benefit – ICU – Daily (Rs.) 2,000
Accidental Coverage – Annual (Rs.) 30,000
  • Benefit of up to 30 days, payable for one admission
  • No limit on the number of admissions in hospital during coverage period
  • Reimbursement for expenses incurred at hospitals/clinics for treatment of injuries due to any accident

Terms and Conditions

  • Duration of the insurance is for 6 months from the date of enrollment and will continue for six months.
  • Age Limit: 18 – 65; waiting period of 15 days upon enrolment will apply
  • Treatment of pre-existing condition and any disease, illness, medical condition or injury which is a complication of a pre-existing condition, are excluded

Important Information

MicroEnsure Pakistan (Pvt.) Limited is providing administrative services for JazzCash Sehat Sahulat. JazzCash Sehat Sahulat is underwritten by EFU Life Assurance Limited, which is registered and supervised by Securities and Exchange Commission of Pakistan. EFU Life Assurance Limited is the insurance company of JazzCash Sehat Sahulat and responsible for paying claims. The address of EFU Life Assurance is:

EFU Life House, Plot No. 112, 8th East Street, Phase I, DHA, Karachi

Mobilink Microfinance Bank and JazzCash are distributors of JazzCash Sehat Sahulat. They are not responsible for paying claims to customers.

JazzCash in partnership with MicroEnsure Pakistan, brings monthly premium payment plan under JazzCash Sehat Sahulat providing complete freedom in managing health related risks. This exciting new feature frees the customers from the hassle of paying year’s premium upfront. Instead, they can avail same level financial protection through easy monthly payments.

Features

  • Financial protection in case of hospitalization
  • Visit any facility of your choice. No condition on panel hospitals
  • Generous cash benefit amounts
  • Simple and easy to understand coverage
  • Fast and electronic claims processing
  • Accidental medical reimbursement cover

 

Monthly Charges (Rs.) 83
Hospitalization benefit – Daily (Rs.) 1,000
Hospitalization benefit – ICU – Daily (Rs.) 2,000
Accidental Coverage – Annual (Rs.) 30,000
  • Benefit of up to 30 days, payable for one admission
  • No limit on the number of admissions in hospital during coverage period
  • Reimbursement for expenses incurred at hospitals/clinics for treatment of injuries due to any accident

A Simple Signup Process

  • JazzCash Mobile Account customers can subscribe JazzCash Sehat Sahulat by dialling *786*8*3*1# or through their JazzCash App
  • Alternatively, Customers can also request a call back in which a representative from MicroEnsure will call them and help in sign-up process

For more information, please call MicroEnsure helpline 051-8466466.

Terms and Conditions

  • Duration of the insurance is for 1 month from the date of enrolment
  • On each monthly due date or within applicable grace period, the applicable premium will be automatically collected from customer’s JazzCash mobile account and cover will renew for next one month
  • A grace period of 10 days will be allowed for collection of each renewal monthly premium. Cover will be effective during grace period and in case of any claim, outstanding premium will be collected from payable claim amount
  • Age Limit: 18 – 65; waiting period of 15 days upon enrolment will apply
  • Treatment of pre-existing condition and any disease, illness, medical condition or injury which is a complication of a pre-existing condition, are excluded

Exclusions

Conditions in which a claim is not payable

  • Pregnancy and related complications
  • 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 same causes

Important Information

The product is developed by MicroEnsure Pakistan (Private) Limited who is also providing distribution and administrative services under this arrangement. Asia Insurance Company Limited is the insurance company of JazzCash Sehat Sahulat and responsible for paying claims.

The address of insurance company is:

19-C & D, Block L, Gulberg III, Lahore, Pakistan

Mobilink Microfinance Bank and JazzCash are distributors of JazzCash Sehat Sahulat. They are not responsible for paying claims to customers.

Who can register in JazzCash Sehat Sahulat?

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.

When does the coverage start for customer?

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.

Can the customer go to any hospital?

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

If customer are admitted in a clinic, will they get any benefits?

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.

What are the charges for JazzCash Sehat Sahulat?

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

Are there any limits on the benefits

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.

When will a customer’s coverage under JazzCash Sehat Sahulat end?

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 discontinues the monthly premium payment?

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.

Who can a customer contact in case of any queries?

For any queries about JazzCash Sehat Sahulat, please dial 4444

How can a claim be made for benefits?

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.

If a customer wishes to cancel JazzCash Sehat Sahulat, what should they do?

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

Under what conditions will a claim not be paid?

  • 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

Who can I contact if I have a complaint for JazzCash Sehat Sahulat?

Please call 4444 to notify your complaint.

Important information:

Mobilink Microfinance Bank and JazzCash are distributors of JazzCash Sehat Sahulat. They are not responsible for paying claims to customers. MicroEnsure Pakistan (Pvt.) Limited is providing administrative services for JazzCash Sehat Sahulat. JazzCash Sehat Sahulat is underwritten by EFU Life Assurance Limited (Annual and Six Month Plans) and Asia Insurance Company Limited (Monthly Plan), which are registered and supervised by Securities and Exchange Commission of Pakistan.