This is only one precedent. There are several different factors, for example, pollution, natural disasters, and age of waste are gradually negatively affecting your health. You may practice consistently, pursue a clean eating routine or practice yoga however it won’t make any visible difference if the air you’re breathing is breaking down in quality. At some point or another, you may experience the symptoms of diseases, for example, asthma, body torment, headaches or different clutters, for example, heart attack and malignant growth. In worst case scenario you’ll be hospitalized, and for this situation it is smarter to have a medical coverage plan set up.

But on the other side of the story, medical coverage isn’t justifiable, and sometimes it vary policy to policy that what it includes, particularly on the other-side that you never become ill. With this heavy month to month cost and the other miscellaneous expenses you might consider the amount you truly need inclusion.

Numerous individuals in their twenties feel they are solid enough to avoid medical coverage.When you start visiting a doctor for minor check-ups and it turns out that you need a major treatment of some disease and that too urgently,what will you do in that case? and then it might appear to be a smart thought to cut the medical coverage cost totally from your financial plan, Jubilee General Insurance health plans are affordable yet comprehensive.

You can pay your doctor each time you visit and can buy the prescribed medicines or treatments but on the other side ,  this could be exceptionally troublesome in the circumstances where  you have a genuine sickness, a mishap, or a continuous medical problem on the grounds that the expenses can turn out to be extremely expansive, in all respects rapidly. This is the reason it’s fundamental for everybody to dependably have some type of medical coverage.

Medicinal crises are over the top expensive. In the event that you have the mishap of experiencing a restorative crisis without protection, it is anything but difficult to wind up with a devastating measure of medicinal obligation, and apparently no chance to get out of the wreckage, to get yourself out of the mess with relaxed recovery get Jubilee General health Insurance Plan.

On the major ground that you take great care of your health it’s difficult to perceive any reason why you’d truly need Insurance. In any case, missing that last stair at home and disjoining a lower leg, or having a mishap on the ski sight and breaking an arm could cause damage that costs you a large amount in doctor’s visit expenses, and it can rapidly move higher. At this point in time you need medical procedure or any sort of progressing recovery. Crisis medical procedures, for example, an appendectomy can be pricey .

You will be unable to work while you’re laid up, and that implies you could miss out on pay too. Indeed, even with insurance, you may think that it’s hard to pay for medical services costs in these occurrences. It is extremely difficult to pay for medicinal expenses without medical coverage, particularly in worst case scenario that you are registered with an emergency clinic even simply medium-term.

Deterrent Care and Early Intervention

When you don’t have Insurance, you may abstain from getting treated for minor issues which can grow into more serious issues rapidly. Preventive prescription and brisk treatment are the most ideal approaches to maintain a strategic distance from costly emergency clinic remains.

If you have insurance at that point, you won’t have to stress over this to such an extent. Furthermore, In worst case scenario ,you put off going in for treatment and end up building a serious medical condition, you may have a troublesome time discovering medical coverage after you have not had any for such a long time.

Which Plan Fits Your Needs?

Medical coverage isn’t an extravagance; it’s a need. There are numerous different things you ought to abandon before you abandon medical coverage.

On the off chance that you need insurance yet feel uncertain about what options work for you, there are a few inquiries you can reply to discover.

How’s your health? 

Is it true that you are healthy right now? do you see a doctor consistently and do you take part in any dangerous games or occupations? Like different types of protection, your insurance needs are depended upon your level of hazard.

How often do you go to the doctor?

The importance of health insurance is also driven by your frequency of visiting a doctor.It is also determine by which doctor you are visiting and how many times you have visited this same doctor and pay in cash? Your problem and your treatment will tell your story and it’s conclusion it’s self that why health insurance is worthy for you? It will be Lot worthy if you visit your doctor for the same problem and yet again the problem is foreseeable and you should do something about it in terms of saving the cost now.

What are your priorities? 

In the event that you see the specialist frequently, you’ll presumably need an arrangement with lower copays and deductibles. On the off chance that your month to month costs are now stressing your paycheck, maybe you’re in an ideal situation with an arrangement that has lower month to month premiums. High-deductible plans can bring down your premiums, and in the event that you don’t go to the specialist regularly, it doesn’t bode well to pay huge premiums for a low-deductible arrangement.

What are your coverage needs? 

Count in the majority of the accessible insurance plan choices to those that fit your requirements, at that point delve into the subtleties. While the least expensive arrangement may catch your eye, it may not give as much esteem per Rupee as some different plans. Just to avoid all the hassle, you can simply compare all the latest policies on Smartchoic.pk that will help you in saving time as well as saving your money and get you the best offer.

Have you gotten an expert opinion? 

Some people find the whole experience of health insurance shopping overwhelming, and there are many insurance agents that can help you sort through the options. These agents spend their days immersed in insurance and can make quick work of finding your best-fit plan. You can always call the smartchoice representative and build up your understanding of the policy while comparing it on the same platform.

Khurram Zahid

The post Is Health Insurance Really Worth It? appeared first on Smartchoice.pk.

No one is guaranteed a hassle-free holiday – but we can all take action to give ourselves peace of mind. Allow us to share our advice on essential travel insurance to avoid expensive medical bills and unexpected costs on your holiday.

We sincerely hope you will never have to make a claim – but we are certain you’ll be glad of your insurance if the need arises. Anyone travelling abroad, be it a student, senior citizen, tourist, or a business traveller will require travel insurance. You can purchase Jubilee General Insurance policy online or conventionally depending on the preferred method.

Before purchasing a travel insurance policy for your upcoming travel, ensure that it covers international medical emergency costs. Carefully check the list of network hospitals, toll-free numbers, and person to contact in case of an emergency. Travel insurance is an important travel necessity for individuals and families.

Travel insurance is ultimately a legal contract created by lawyers and you should spend the time to read the fine print and description of coverage (policy wording) thoroughly and ask questions if you don’t understand what you’re covered for.

Here we outline simply what each major part actually does and what cost do be need to cover to travel:

1. Medical Emergencies & Evacuation

As mentioned above, if there is one reason to buy travel insurance, this is it.

Clinic expenses can approach $10,000 every day, while crisis transport home for treatment. Certainly set aside the effort to peruse this part in detail, particularly the territories of spread for crisis departure, restrains on therapeutic costs and spread for crisis dental work. Likewise make cautious note of the general prohibitions, which are laid out in the portrayal of inclusion (see policy wording). Jubilee General Insurance has obviously characterized every one of the issues in regards to therapeutic inclusion in their policy.

2. Trip cancellation

This spreads you for expenses in the event that you all of a sudden discover you can’t go on your excursion due to some unanticipated reason, for example, ailment, a mishap or a passing off of a relative. The significant thing to recollect here is that for this area to be helpful, you need to purchase travel protection when you begin booking tickets and not the prior week you leave.

Not all travel insurance plans cover cancellation, and only some cover your non-refundable, pre-booked costs if your trip is interrupted after you’ve left home, so please read the description of coverage (policy wording) of Jubilee Travel insurance relevant to you carefully.

3. Baggage & personal belongings

While the loss of your personal belongings is often the main reason most people buy travel insurance, it is arguably the least important: your things can be replaced but your health often can’t. Jubilee Travel Insurance emphasize that you to take ‘reasonable care’ of your belongings which means a claim may be denied if you leave your camera in a shared room in a hostel or in your car overnight (unsupervised in a public place) and it’s stolen.

If you are taking your laptop, camera and other valuables with you, some of our travel insurance plans allow you to specify these items to cover their higher value. Check Jubilee travel policy benefits and description of coverage (policy wording) carefully for the limits on this cover and exclusions, particularly for cash, high value items and sporting equipment.

4. Personal liability

First off this is not insurance for liability while you are driving car. If you are involved in an accident or accidentally cause damage and are held accountable for it, Jubilee travel insurance can cover your liability and legal expenses. Once again not all insurers offer this type of cover so please read the description of coverage relevant to you.

5. Coming home early & resuming your trip

Travel insurance usually ends the minute you arrive home, so if you have bought a policy for 12 months and come home after 4 months, you aren’t entitled to a refund on the ‘unused’ portion. For some of our policies, you can resume your trip on the same policy; you just won’t be covered for the time you’re at home. Read the description of coverage (policy wording) and look at the clauses for period of cover and the terms “medical evacuation”, “trip interruption” or “curtailment” for details on when you may be covered for expenses if you have to return home early (always read the exclusions not covered, carefully).

Travel insurance benefits and terms are easily understandable. For instance, say you might have to suddenly return to deal with a potential emergency back home. In such a case, you’d probably be better served by a higher-cost plan with built-in cancellation coverage. If you feel the default health insurance coverage is insufficient or the medical deductibles are too high, you could upgrade for more protection.

These seemingly minor changes make a huge difference. Reading the terms and conditions each policy includes before choosing is a great way to carry out a price-aware comparison and enjoy a successful trip. Always remember that it’s better to talk about it to someone who knows it to  make your trip stress-free and sound.

Khurram Zahid

The post 5 Tips to Avoid the Cost of Medical Bills and Enjoy a Stress-Free Trip appeared first on Smartchoice.pk.

It’s a company on a mission to provide innovative solutions to meet the need of individuals having diverse needs by providing various packages that fulfil needs and requirements of every person be it an individual looking to get himself insured against obscurity, the individual can get a Jubilee General Insurance personal health care plan, to get family insurance one may look-up for a family health care plan that shall cover husband wife and up to four children.

A women-centric plan that is all about making sure that all of her needs are being taken care of even, “A Strong women can also be vulnerable at the same time” understanding that vacuum in the society, Jubilee General Insurance has come up with a tailored plan to fulfil this need with the right understanding of what “A Woman” needs with their “Her Care” Plan.

Jubilee General Insurance also provides comprehensive coverage for the car, as it ensures that the car is protected from bumper-to-bumper through its packages like, Private car comprehensive and old car comprehensive, it also has 3T package that covers theft, total loss and thirty party liability having the best rates with swift claim settlement.

Jubilee General Insurance takes every opportunity to benefit the people as much as they can by providing discounts on multiple occasions like Blessed Friday 50% discount, Quaid-e-Azam day 25% discount, Pakistan Day 23% discount, these discounts on multiple occasions ensures that the coverage reaches to the maximum people out there so that they can protect themselves against unforeseen situations in their life that one may not be prepared to face and may put a lot of strain on an individual’s financial health.

This year around again Jubilee General Insurance is giving 23% discount on all its online insurance products, to benefit people and motivate them to get insured, the company is making multiple efforts as it has understood that Pakistan is a country that still lacks awareness and penetration of Insurance in the society and to build a rationale that “Getting Insurance is not a luxury but a necessity”.

In this journey Jubilee General Insurance has officially partnered with Smartchoice, an online financial comparison platform, Smartchoice helps people to make informed decisions and also guides them to the right fit policy.
The Jubilee General Insurance products be it car insurance, travel, personal accident or health insurance, all are available at Smartchoice platform, anybody can buy whichever policy they need by comparing one of the jubilee policy against another simply and make the right decision, these products are available at the same rates as Jubilee General Insurance and easy to buy, through just three major steps, Search-Compare-Save and get the policy you need.

Jubilee General Insurance has been passionately following the vision and mission of the company to ensure quality care available at affordable rates, easy access and premium customer service so when an individual, “Gets Insured” through Jubilee General Insurance they live hassle-free.

Khurram Zahid

The post Coverage plans that fits the Bill: Jubilee General Insurance appeared first on Smartchoice.pk.

It is, therefore, advised to have an insurance policy to cover the same. The Motor Vehicle Act of 1939, chapter VIII section, 96 and 97states (96: Duty of insurers to satisfy judgments against persons insured in respect of third party risks, 97: Rights of third parties against insurers on insolvency of the insured) also makes it mandatory to buy a car insurance policy before taking the wheels on the road.

The claim process for making a Car accident insurance claim is very straightforward just like buying a car insurance policy.
Here are 3 simple steps for you to follow while filing a car insurance claim:
Register your claim with your insurance provider and keep the details like policy number, engine chassis number, accident date and time, handy.
Drive your car to the nearest garage for repair, or have it towed depending on the severity of the damages.
Submit the copy of all the important documents to the garage, so that they can receive the amount from the insurer according to the criteria mentioned in your policy document.

Here are the top 10 tips that will be useful while filing a successful car insurance claim: Inform your insurance company about the car accident as soon as possible.
Inform the police in case of accident or theft. Keep the copy of FIR with you for claim processing.
Keep the following details at your disposal when you contact your insurer (online/offline):
a) Policy number
b) Engine number
c) Chassis number
d) Accident details like location, date and time of the accident
e) Km. reading of the car

Fill out the claim forms carefully. Take the help of insurer’s executives and furnish correct and adequate information about the incident.
Click pictures or make a video of the accident spot which may help the police and the insurers in their investigation.

Let the insurance company investigate the cause of the accident on their end. Do not interrupt their survey as it may mislead their analysis.

Never blow things out of proportion when reporting the incident. Stick to the facts and be explicit.
Follow up with the insurance company regularly and update yourself with the proceedings of the claim process.
Be honest about the incident. The Insurance Company will reject your claim if they find out that the claim is fraudulent.

Some insurance companies are very quick in settling insurance claim, companies like Jubilee General Insurance with AA+ ratings with their attractive packages such as private car comprehensive that covers the car bumper-to-bumper if your car model is 2014 and above, if you have a car that is 2013 and below you can also get your covered bumper-to-bumper under old car comprehensive package, there is also a 3T package that covers the car for three main threats those are third person liability, total lost ( if the car is completely destructed in any kind of accident) and theft.

Its one of the best company in Pakistan to get your car insured as their claim service is quick and just a call away, Car insurance from Jubilee General Insurance is the right way forward where your car is concerned.

At the time of insurance, an individual can buy insurance as per need and requirement and the kind of coverage they are looking for, as buying insurance is mandatory as per law and it also protects the entities for any unforeseen situations/circumstances.

Keep in mind the above pointers when you are filing a car insurance claim, to get your claim easy and hassle-free and swiftly.

Khurram Zahid

The post 10 Tips to successfully claim car insurance appeared first on Smartchoice.pk.

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.