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.

While planning to get health insurance or once you’ve got health insurance, you should be aware of the Dos and Don’ts to make sure that you are able to get your money’s worth and don’t run into any issues later on during the course of your coverage period. These set of best practices will ensure you get proper healthcare without it becoming a burden on yourself. Let’s talk about the things you should do when you plan to purchase a healthcare policy or have already done so.

1) Get the right policy:
This is the most important aspect of any insurance policy. Whether you are buying the individual policy or one for your family, make sure that all your possible requirements are covered.  Read all coverage details given for your policy by the provider to see the things that are covered such as maximum amount of cover, routine checkups, emergency care and medications. Some plans offer inbuilt maternity benefit, some don’t. Some health plans have certain caps and sub-limits on room rents; some don’t impose any such limit etc. Sometimes coverage for certain scenarios are sold as add-ons hence make sure to include those to your insurance policy if needed. Also if you’re a family it’s better to buy family insurance rather than individual insurance for each person as family insurance plans tend to bear expenses for child birth along with extra benefits and coverage.

2) Do your research:
This will help you choose the right insurance policy within your budget. Search and compare for policies from different providers to see differences between coverage levels within same price tiers to find out which one offers better value as it’s a long term affair if you plan to take up healthcare insurance seriously. Also if for any reason you are not satisfied with the policy you’ve bought, cancel it within the provided 15-day window to avoid losing your money.

3)Inform the insurance provider:
If you plan to get hospitalized, it’s best to inform the insurer before-hand so that any necessary formalities are taken care of in due time and doesn’t cause you a hassle later on once the treatment begins. Also if there is an emergency try to inform your provider on an ASAP basis. Also if you are not at a network hospital then it’s best to keep all the necessary documents such as medical prescriptions, consultation, diagnosis and medical/lab test bills and any purchase receipts to make sure you get reimbursed for the correct amount incurred.

Now let’s talk about a few important things that you should NOT do while buying or having a health insurance policy.

1) Don’t hide or misrepresent anything:
Whilst buying an insurance policy, don’t hide any previous ailments or medical history nor lie about your age or make a false claim after you’ve been insured. The consequences are severe as they can lead to the insurer rejecting your claim at the least to cancellation of policy coverage altogether and in the worst case scenario you could be blacklisted and the insurance company might not offer you any type of insurance policies in the future as well as you could  be at a risk of being totally barred from multiple insurance companies as they usually have a shared database regarding defaulters/blacklisted claimants.

2) Never delay policy renewal:
Don’t let your insurance cover lapse and renew before it expires because without a renewal your insurance policy will be terminated even if a single day has gone by which could cause in any of your claims being rejected. Thus timely renewal is vital to keep your insurance cover intact and you will be able to file successful claims with the provider.

3)Don’t travel abroad with your health insurance policy:
Sometimes people have this misconception that usually happens due to not reading the terms and conditions of their policy completely. You may think that just because you’ve already purchased a health care insurance for yourself, you will be covered for any health related issues abroad as well. This is false and fact is that you need to get separate travel insurance to be able to get compensation in case of health related issues abroad because such scenarios are only covered under travel insurance. Thus if you plan to travel abroad, make sure to get travel insurance. It’s quick and easy and you only need to buy the insurance policy for the duration of your travel only. At Smartchoice.pk we have a dedicated travel insurance portal where you can search, compare and purchase travel insurance policy with real time quotations from multiple providers in just a few clicks. It doesn’t get any easier than this!

Merely having a health insurance isn’t enough, but having the right healthcare plan will help you reap the benefits when needed the most. Complying with the above measures can ensure that the provider can process the claim efficiently, which in turn translates into quicker payment/treatment for the claimant. Always read all the terms and conditions and make sure that what you are getting is the right thing for you before you get your health insurance policy. We wish you a healthy and safe life!

Khurram Zahid

The post 6 Vital Dos And Don’ts Of Health Insurance Plans appeared first on Smartchoice.pk.

The conference attracted a huge gathering of youth including students. There were many other activities as well such as a cricket match, family carnival and special insurance supplements. The press conference was attended by General Secretary N A Usmani, Ayaz Hussain M Gad, Hassan Ali Abdullah, Muhammad Rashid, Hussain Pirjee, Imran Mughal and Muneerul Haq. It was jointly held by Insurance Association of Pakistan and Karachi Insurance Insitute.

The chairman on this occasion demanded that insurance for employees must be made compulsory as is the case in Middle Eastern countries. It’s pertinent to mention here that the Dubai Health Authority has issued a law last year that enforces all employers to make sure that their employees have insurance in place to counter any emergency health related needs. It is paramount that this insurance is provided by the employer and  not deducted from their salaries.

It is also worth mentioning that workforce of any particular company is a treasure in itself. These days employment offers are made more lucrative by giving out additional benefits in which insurance is a highlight. It plays a crucial role in the psychology of an employee as he feels more secure and a part of the company. Hence it also curtails the employee turnover ratio which makes it a win-win situation for the employer and the employee alike and strikes by labor unions could become lesser too. In India, by offering insurance to employees, the employer can also become eligible for tax deductions under the Income Tax Act.

Chairman IAP, Mr. Tahir Ahmed also said that insurance should be mandatory for organizations that have 10 or more employees. Chairman Karachi Insurance Institute Ayaz Hussain demanded that the Pay Safety Act should be amended because the compensation rate for workplace hazards and mishaps is currently not sufficient. General Secretary N.A. Usmani reiterated that by promoting insurance, quality of life of an employee and his dependents could be improved.

What do you guys think? Is Insurance something you consider strongly while applying at any organization? More importantly does your organization offer you such benefits? Let us know in the comments section below!

Khurram Zahid

The post IAP Encourages To Make Employee Insurance Compulsory in Pakistan. appeared first on Smartchoice.pk.