Jubilee Insurance has been one of that kind of a company having the vision to facilitate people with all such kinds of umbrellas that shall help them through any such situations and when searching for any kind of insurance of comprehensive plans Jubilee general insurance is our very first destination.

Those who are looking for health insurance are surely aware of the list of companies that appear on our screen who claim to offer exclusive health insurance plans. If you are one such individual do not fall for fake promises. Most of these companies are not even clear with what is meant by health insurance and what the main purpose of offering any such service is. This is where the Jubilee General Insurance has come up with the innovative plans that make it stand different from other companies and it is the reason why most of the people trust Jubilee insurance for their services.

The Jubilee General Insurance has offered new health insurance plans on the basis of years of experience excellence, passion, and integrity. Jubilee General Insurance is known as one of the most reputed health insurance service providers in Pakistan. It is associated with some of the well-known hospitals across Pakistan with its head office located in Karachi and an exclusive network in all the major cities of the country.

With the revolution in the insurance sector, around the globe, Jubilee General Insurance has come up with amazing ideas to facilitate customers with the best of services.

With its latest approaches, Jubilee General Insurance is able to be known as s disruptor and innovator of traditional services and high quality of the products delivered. With the help of digital media, Jubilee General Insurance is progressing rapidly with a faster, convenient and reliable automation processing and enhance control over the delivery of a better customer experience.

Recently Jubilee General Insurance has come up with new insurance plans every single person in our family. These plans are crafted based on the needs of an individual giving the customer and ease to pay only for the services they are willing to avail.

• The Parent Care Insurance Plan by Jubilee General Insurance:

The Jubilee General Insurance, for the very first time in Pakistan, has introduced the Parent Care insurance plan that is innovative and one of its kind health insurance plan for the masses. This plan is specifically for the people who at the time of registering for the plan fall in the age bracket of 45 to 65 years of age and can be renewed till the age of 70.

The hook of the idea is that you can buy the plan for your own self, your spouse, parents or even for your parent’s in law. Jubilee General Insurance has also facilitated the customers to buy this plan online with just a few and easy steps. This plan is specifically designed by the experts keeping in mind all the needs of the customers and this is the reason why every single detail needs to be available with the high level of convenience for both the parties making sure that in all cases the person gets comprehensive healthcare cover.

• Product Features of Parent Care Plan:

The parent care health insurance plan by Jubilee General Insurance offers a number of perks to the insurer including;  

•   Provision of cashless benefits with the help of preferred service providers
•   No initial medical tests
•   Limited health cover for already existing health issues
•   A free look period of 14 days with the option of cancellation if you are not satisfied

What are the Value Added Services?

The plan also offers you credit facility to be used on more than 200 hospitals in the country, the user shall also get a customized health care card. You can use this plan with the help of any of the two given packages; Silver plan worth of PKR 200,000 or Gold Plan worth PKR 300,000.

This package is available for people within a certain age limit and they can switch the plan after renewal, this plan is for the Pakistani nationals only. You can find more details about the plan in the plan section of the Jubilee insurance website.

• The Critical Care Insurance Plan:

Life is unpredictable and you may need a helping hand at any time in your life. This is the reason why  Jubilee General Insurance offers the plan that offers the critical health care services with the help of exclusively designed critical care insurance plan. It is designed to help you protect your life in the time when you are all alone to meet all your needs.

Product Features of the Critical Care Insurance Plan:

The Jubilee General Insurance Critical Care Insurance Plan is specifically designed to cover get insured person in case he or she is diagnosed for the 7 major critical illness that is pointed out in the policy. The service provider will pay the whole amount of the covered limit without asking for any medical test or bills. Other prominent features of the plan include the cash to pay to for medical treatments that are not covered by the health plan, the cash to pay your loans, the cash to pay for the child school or college, the cash for traveling for the treatment and the cash for maintaining your lifestyle. You can also seek help from round the clock emergency services.

What Critical Diseases are covered?

The critical diseases that are covered in the critical illness plan by Jubilee include; open-chest coronary artery bypass surgery; cancer; heart attack; stroke; kidney failure; paralysis and major organ transplant. You can find more details about the plan by visiting the official website of Jubilee General Insurance.

HerCare Health Care Insurance Plan:

We do celebrate a special day for women-but do we have any especially insurance plan for HER?

Celebrating a day once a year is not enough to celebrate women and the beauty and joy she brings to everyone’s life, A women also needs care and not just in the general, but in a special way, as they are special their  needs should also be taken care in a special manner, for that Jubilee general insurance has come up with a customized plan for women focusing specifically on the women and offered a comprehensive insurance plan to help these ladies in stage or phase of their life.

What Does the HerCare Insurance Plan Include?

The HerCare Insurance plan, offered by the Jubilee General Insurance is all about offering a specific critical illness policy for her care is focused on covering the most commonly found health issues and critical illness, specific to women. This policy can offer a lump-sum amount that is insured if the women who own the insurance is found to have any of the following critical diseases; Breast Cancer; Cervical Cancer; Burns; Paralysis or Multi-trauma; Fallopian Tube Cancer; Uterine or Endometrial Cancer; Vaginal Cancer; and Ovarian Cancer.

It is the right time to bring the change, take your first step today to secure the future of your loved ones tomorrow. Jubilee General Insurance is focused to offer you all the services that you may ever wish to have to ensure the well-being of your family, with amazing Jubilee General Insurance policies and plans, you can now have it all, right on your fingertips.

Khurram Zahid

The post Top 3 Distinctive Health Insurance Plans from Jubilee General Insurance appeared first on Smartchoice.pk.

This small ignorance from our daily routine not only brings us some short-term damage but the bad impact on these habits stay with us for long. We all know many of the bad habits we carry in our daily life but ignore them. While there are many others about which we have no idea.

Here we have listed the top 10 habits that are seriously damaging our life and we need to stop doing them right now if we really want to live a healthy and happy life.

1- Sleeping Less Than 7 Hours:

If you are not sleeping for about 8 hours, each day, your health is at risk.

Most of us take it as a compliment for not sleeping more than 4 to 5 hours each day and spending most of the time in working. Many of us stay up even if we have a lot of work to finish the next day. We think that by doing so we are building our stamina and will end up being more productive. This thinking can mostly be found in the students who are struggling to get a good grade.

Beware! If you are not taking enough sleep each day you are racking your health. If you sleep less than 6 hours a day, continuously, the chances are high for your immune system to turn a week. It will also have a negative impact on other body functioning.

Your body will lose the ability to fight the external germs if your body has a weak immune system. In such situations, your body becomes more vulnerable to disease and infections. And you will get sick sooner and often. Thus science suggests sleeping at least for 8 hours a day to keep your inner self-healthy.

2- Negativity in Mind:

Nothing can harm you more than your own negative thoughts. To live a healthy and happy life, you need to stay positive in every way possible.

Positivity is not only good for your mental health but has a huge impact on your physical health. One must never stress on if they have limited friends or if they are facing some kind of problem in their life. All such situations are a part of life, if you are keeping yourself positive you might find a solution but if you tend to stay negative, you will come with no benefits.

You mental stress will have a direct impact on your physical health and will weaken your immune system.

Related Read: Top 5 Health Care Tips for Couple with Kids

3- Using Headphones for Long:

Today we can see almost every person wearing headphone, plugged in for hours. Either used for music or for taking a call during driving, headphones are one of the essential parts of our daily life. But only a few of us know that they are a big risk to our life.

The habit is really bad as it will cost you damage in your earbuds if you keep using headphones for a very long time. To avoid any damage to your sensitive eardrums, make sure you are not using the headphones for many hours.

Also, try to keep the volume audible enough so that you can hear the words correctly and effortlessly.

4- A Couch Potato:

Obesity is one of the major health issues, globally. Obesity is taking a considerable number of lives, each year and is also a root cause of life taking a disease like heart attack and diabetes.
And one of the root causes of obesity is lesser physical activity. No matter if it’s a long vacation or if it is the weekends, sitting in front of the TV, playing video games on the computer and laying on the couch for hours and hours is really bad for your health.

If you are sitting for hours and using these electronic devices, not only you will get infected with the radiations but will other health problem like eyes and heart disease and obesity. Apart from causing you such serious health issues this habit will make you lazy and can have a negative impact on other matters of your life.

Rather than becoming a couch potato one must adopt a healthy and active lifestyle. Indulge yourself in sports activities and have some walk and exercise as a part of your daily routine.

5- Heels:

Here the fashion lover might have some serious arguments with me and maybe they will lose a wish to read ahead but it is something that is damaging your health for real.

No matter how successfully you can carry yourself in high heels and how gorgeous they can make you look, but the fact remains the same that they are silent killers of your health. Wearing high heels every day make dispose you to early age back pain and other skeletal issues like tendon injuries, arthritis, and bone deformation.

Even after knowing all this, if you want to wear them, make sure that you are not wearing more than 1.5 inches.

Related Read: How to Save Money in Your Health Insurance Plan?

6- Carry Heavy Bags:

This one again goes for girls. Every girl likes to look fresh all day, anywhere, anytime. For this reason, most girls love to carry everything they might need for this purpose.

But we must not do this at the cost of our health. If you are carrying an extra heavy bag with you all the time, your back and shoulders will be stressed. This habit can lead to long-term issues like neck and back pain and will lead to a posture problem as well. Thus, avoid taking that risk on your life and empty your bag from all the extra material that you have in it.

7- Sleeping with Makeup On:

It’s one of the most common problems the females face, specifically the working women. When they get back home after a hectic day at work, tired a lot they are normally they just want to hit their bed. Many do this without taking their makeup off.

This is a dangerous habit that hurt the skin and leads to serious skin damage like clogged pores, congested skin and spots etc.

Sleeping with eye makeup on is more dangerous than the face. As eyes are the most sensitive area on our face, sleeping with strong products can cause a damage to vision and eyes infection.

8- Eating with Empty-Full Stomach:

Your eating patterns define your health and predict your future. If you are not eating with a defined and proper pattern your stomach will stop sharing the signals of hunger, when it should. If it happens, you will eat even if you are not hungry, as a result, your body will get flooded with extra calories.

If we look at the modern food items they are also not healthy and getting our body stuffed with such food throughout the day it will have to cause us lasting health problems like heart disease, acidity and obesity and many others.

Related Read: Why Health Insurance is NOT a Thing to Avoid

9- Avoiding Breakfast:

The saying to eat breakfast like a king is not without a good reason. Breakfast is the most important meal of a day and if you skip having a proper breakfast your metabolism will be affected negatively. It will also have a negative impact on the energy reserved in your body.

Here important to note is that if your breakfast is not healthy, you will not gain the benefits that you must earn by eating a breakfast. A healthy breakfast contains fats, proteins, and carbohydrates.

Dietitians may recommend you to skip your lunch (in some cases) but they never agree for skipping a healthy breakfast.

10- The Junk Food:

Thou, discussed throughout the discussion, junk food is the root cause of many health issues, but here necessary is to address the junk food in a separate slot.

Junk food is the root cause of many serious health issues, some of which are occurring globally e.g. obesity. Junk food is bad for our health but still, we consume it. If you are eating junk food every day or even two times a week, your body is at risk. Junk foods contain a high amount of preservatives, sugar, spice, and fats.

Eating lots of junk food can cause your health problems like stroke, high cholesterol, and diabetes etc. It is also found to harden the arteries and raise the level of plaque deposition in the body. This increased plaque in your body then leads to issues like heart attack and others.

Thus for a number of reasons the dietitians and health instructors refrain using junk food and adopting a healthy living style with a considerable amount of physical activities in our life.
If you are willing to live along and healthy life, you must take into consideration eliminating these habits from your lifestyle.

Khurram Zahid

The post 10 Common Habits which are Killing Your Health Quietly appeared first on Smartchoice.pk.

What HR should consider before offering health insurance

When you are a company offering health insurance to your employees, it positively effects your company though you have to weigh out the risk factors also as it deals with big amounts. Here are a few things your HR should compare before selecting an health insurance plan for employees:

Related Read: Why Health Insurance is NOT a Thing to Avoid

1. Weigh out the disadvantages

Insurance premiums tend to change every year, so you should have a good know-how on the working of the particular insurance company and their fluctuations. Carefully analyze the terms and conditions, the duration and the extent to which the insurance is provided. Compare the upfront costs and the payment pattern of different companies and see which one suits you best.

2. The number of employees in your company

Depending on what size of a company you are, HR must be very careful in deciding this sort of thing. While smaller company or an entrepreneurial venture may have lesser employees, they also have a smaller amount go capital they can invest in health insurance. All of these things certainly count when deciding health insurance policies.

3. Look for a renowned trusted insurance company

In today’s world, being fooled at all levels is very common. It’s better to be safe than sorry. Insurances, over time tend to take up a good amount from us, and if it is not returned as promised, it will be counted as a very big loss, leading to a loss of trust and reputation of your company. The employees expect you to authenticate the insurance company that you are offering, hence it is important for your HR to carefully look into the credibility of the insurance company and try getting the ones that are known and trusted in the market.

Related Read: 5 Questions to Ask Before Going for Health Insurance in Pakistan

4. The post you are offering the insurance too

Like with every post, the salary varies, similarly the insurance policies should be such that they cater to the position your employee is on and is worth their standard. This not only attracts the best of employees to apply, but also gives a good outlook to your company’s attitude towards its workers.

5. Coverage

This is the most important factor which determines the worth of an insurance. As per definition, insurance coverage is ‘the amount of risk or liability that is covered for an individual or entity by way of insurance services. Insurance coverage, such as auto insurance, life insurance – or more exotic forms, such as hole-in-one insurance – is issued by an insurer in the event of unforeseen occurrences.’

6. Claim process

This includes the procedure of pre or post payments by the insurance company. It refers to the process of submitting medical slips to the company and claiming the money. This is the core procedure in any insurance company.

7. Existing illness

A pre-existing condition is a medical condition that started before a person’s health insurance went into effect. This is important for employees who are suffering from a particular illness which is lifelong before getting the insurance. This is a very common phenomenon, hence should be taken into consideration.

8. Deductible, co-payment and the coinsurance

Deductible is the amount that you have to pay before the insurance companies starts covering your eligible health costs. Co-payment is something similar to deductible but has to be paid each time you want to use your insurance. However, coinsurance is the percentage of cost that you will have to pay during any medical procedure (this is your share of the total cost). As it is evident from the definition, this is how the insurance companies work, thus it is one of the core information that has to be evaluated by the HR before final selection.

Related Read: 6 Vital Dos And Don’ts Of Health Insurance Plans

Companies, especially newer companies and entrepreneurial ventures, should seriously consider giving their employees health insurance. Nowadays, health insurance is a huge attraction for those interested in any job.

Khurram Zahid

The post Going to Offer Health Insurance to Your Employees? These 8 Things Your HR Should be Comparing appeared first on Smartchoice.pk.

Health insurance is when you insure the availability of money via an insurance company of your choice, for the chance of an unfortunate circumstance such as an injury or an illness that requires a lot of money to be treated. In Pakistan, mostly salaried people or people who earn a mediocre amount of money pay a specified amount to insurance companies as per their packages to ensure that money is available to pay for health care. The company then holds responsibility to make the money available when you require it. Different companies offer different packages and you choose according to what you can afford and what you may want to attain in the time of need. Compare health insurance policies from different companies before deciding upon a specific plan.

Why is health insurance necessary?

Following are some of the factors that prove that health insurance is necessary in a capitalistic environment like ours:

1. The government and private healthcare division has created classes in the system itself and quality healthcare, in a developing country like Pakistan. Good healthcare can only be bought with money because the better it is the costlier it gets. To ensure recovery, a person spends as much money as possible on health and to be able to do that, money must be invested and saved for the sole purpose of meeting up with medical needs.

2. The working sector of Pakistan, or the middle class, do not pay as much attention on their health as they should because as it appears, they do not get the time to visit the doctor every once in a while, to get check-ups.

3. Personal level savings are not reliable in such cases because they are more subjected to be used for other purposes and it is very difficult to save up for separate uses at a domestic level. Generally, money is mostly saved without setting out goals or uses. The only way that remains is health insurance.

4. To think that medical expenses can be escaped is highly impractical since we live in a developing country like Pakistan where pollution, accidents, terrorist attacks, diseases like heart attack, high and low blood pressure and diabetes are very common. Health insurance in Pakistan will help remove a potential burden from your finance and will allow you to be worry-free from a very important and inevitable part of your life.

Hence, health insurance is very much necessary to meet up with your health needs as per requirement. It is easy to compare health insurance in Pakistan because all details are available online and health insurance quotes are also easily available. Anyone can research about different health insurance policies in no time.

Related Read: 5 Questions to Ask Before Going for Health Insurance in Pakistan

Consequences of not getting health insurance

1. Risking precious lives due to lack of money:

The obvious consequence is not having enough money and ending up risking a life by not choosing to rely on health insurance.

2. The psychological pressure:

Unavailability of money would result in extended disease and that further would mean psychological pressure and would make you regret your decision of not getting a health insurance.

3. Use of other savings:

In such circumstances people use up their general domestic level savings having no other choice and little money is then left for emergency use or any other purposes you may require it for. Honestly, some health insurance policies are not even that expensive and you can easily check which ones suit your budget by comparing health insurance quotes.

4. Financial strain on the monthly budget:

Regular check ups will also put a dent on your monthly budget effecting your daily livelihood drastically.

Related Read: 6 Vital Dos And Don’ts Of Health Insurance Plans

The affordability of health insurance in Pakistan

To give you a summary as to how health insurance works and how is it therefore very much affordable, here is an overview of the steps to be followed:

1. The fact that you choose your own package as per your demands is what makes it affordable. Compare health insurance packages and policies of different companies and chose the one that you think is feasible for you and meets your needs. This would depend on the money you can offer to the company and how you can submit it, i.e. monthly, annually etc. Different companies offer a variety of policies that can even cover complete all medical expenses. Examples include family health-care plan to meet the medical needs of your family as a whole, personal injuries can also be covered along with expenses for in-home treatments of minor surgeries, services such as hiring an ambulance for transportation and burial costs for if in unfortunate cases the patient dies. Health insurance quotes ensure that you can look at which health insurance packages are most applicable for you.

2. After comparing health insurance and choosing it, all there is left to do is to buy the plan and submit investments as per your package and you will be saved from the extra effort of worrying yourself about your health expenditure.

Related Read: Government & SECP Announce New Initiatives To Boost Health Insurance In Pakistan!

There remains no reason of not choosing to invest in health insurance, because it is incredibly necessary for the majority of the population of Pakistan that consists of working class or salaried people. Health being one of the vital needs of human beings, demands capital investment and avoiding health insurance is similar to avoiding health itself.

Khurram Zahid

The post Why Health Insurance is NOT a Thing to Avoid appeared first on Smartchoice.pk.

While looking for the best health insurance plan you have to find the health insurance providers who have a well-established Health Insurance Department. The best health insurance companies in Pakistan include Alfalah insurance company, Allianz EFU health insurance, Jubilee general insurance, among many others.

The staff should be competent and well experienced. They should be able to serve the insured members with the best possible healthcare at an affordable cost. In th end it is all about the economy, the efforts and your relationship with the company.

Health insurance in Pakistan is not something everyone understands or takes advantage of. Here we have outlined a few question that you should ask your health insurance provider before making any decision.

1. How to pay the monthly premium at the most affordable price possible?

First, you need to ask your employer if he offers Health insurance. Avail this opportunity if presented to you. This is generally the best option around because the employer typically contributes 50% or more of the monthly premium thus making it more affordable. You do not have to pay for it all on your own.

Secondly, remember to let your broker know your (or your family’s) annual projected income for the upcoming year. Why? Simply because this exercise will determine if you are eligible for premium assistance through your state or otherwise.

Third, determine as soon as possible whether it is better to go with a high deductible plan to keep your premium cost down while applying for an individual/family plan. This will help you save money at least on the monthly premium.

2. What is the best plan for you and your family, and why?

The best possible way to answer this is by first understanding what you can afford, your needs and medical usage history. After discussing this with your health insurance provider, you can look over the advised plans, and choose what suits your needs.

Another thing to consider is that can you change the plan if it is necessary later, and how much change will it be to move to a different plan if your situation changes.

3. What Does the Plan Cover?

Different health insurance plans might cover different types of medical care. For example, some might not cover mental health, prescription drugs, or maternity care. All insurance plans must cover these ten “essential health benefits”, or most of them.

• Emergency services
• Hospitalization
• Laboratory tests
• Maternity and newborn care
• Mental health and substance-abuse treatment
• Outpatient care (doctors and other services you receive outside of a hospital)
• Pediatric services including dental and vision care
• Prescription drugs
• Preventive services (such as immunizations and mammograms) and management of
• chronic diseases such as diabetes
• Rehabilitation services

The rules for insurance provided by larger health insurance companies might be different but most of them will cover these set of benefits. If you are selecting from plans from a larger employer and are unsure what the plans cover, ask your employer to provide you with the Summary of Benefits and Coverage (SBC), which is a standard form that will state exactly what the plan covers and does not cover.

4. How Much Does the Plan Cost?

When you’re looking at the cost of health insurance plans, consider two main factors:

First, what will be the amount that you will pay to the insurance company for your plan, usually paid monthly. This is called the premium.

Secondly, and quite important what is the amount you will pay out of your own finances when you receive medical care.

These amounts will be reflected as a combination of deductibles, coinsurance, and copays.

These are called your out-of-pocket costs.

To make plan and cost comparison easier, the plans will be displayed in standardized various combinations of premiums and out-of-pocket costs. If not, you should ask your health insurance provider for these.

Make sure you understand the new plan coverage levels. Which plan coverage will be right for you depends on your health and financial situation. If you have an expensive medical condition or have a planned medical procedure, consider a plan with a higher premium that covers more of your costs. If you are generally healthy you might come out ahead by paying a lower premium and a bigger share of your health costs. Of course, you need to be prepared to pay more if you unexpectedly become sick or injured.

5. Ask about everything you are unsure of

Will you be able to continue seeing your current Doctors? Ask about the things you need to keep in mind when choosing your doctors and hospitals. Ask for a list of the doctors and hospitals that are covered to decide if the plan is right for you, and make sure all is in order.

What information do you need to provide to the health insurance provider in order to receive a health insurance plan? Now days only the basic information such as names, address, birth dates, social security numbers are needed. and if you are applying through a state your family income and proof of residency are required amongst a few other things.

In the end you will have to rely on your health insurance provider to guide you, so keep in mind that you have to find a health insurance .provider who you feel comfortable with. They should take time to listen, understand your economical and medical history, and give you advice and support to make the critical decision of choosing a health insurance plan which will be smooth and easy. Just remember to think through everything.

Khurram Zahid

The post 5 Questions to Ask Before Going for Health Insurance in Pakistan appeared first on Smartchoice.pk.