jubilee insurance Archives - Smartchoice.pk

Everything You Should Know About Personal Accident Insurance

Khurram Zahid — Tue, 23 Jul 2019 13:25:53 +0000

On the busy roads of Pakistan with thousands of vehicles, there is one common entity that takes place every day on these roads, Accidents. Accidents are those unpredictable events that result in injuries and sometimes death. Sometimes the job you’re doing involves the risk of facing accidents. Life is challenging as our lives gets involve with potential risk. With that, the need for “Personal Accident Insurance” is increasing.

Dr Salman Zubair mentioned that Pakistan ranked first in Asia and 48th in the world for most deaths caused by traffic accidents. Referring to the World Health Organization (WHO) 2015 Report, he said that nearly 1.2 million people die each year and 20-50 million people suffer non-fatal injuries due to road crashes.

Express Tribune-22 Feb 2019

another one!!!

Around 36,000 people were killed in road accidents across the country last year and therefore, the Motorway police are making all efforts to check such deaths by ensuring adherence to traffic laws by road users
Dawn-News 2019

Following are some of the cases that will help you to understand the need and importance of this product:

1) Yasir is a first-year student at an engineering university. One day he got late for his class due to his puncher bike. He decided to take a bus that takes 10 minutes time to his institute as he approaches towards the bus, the crowd started to run and get into the bus there is no space left. He decided to hang in by holding a stand near the door. Since the bus is overloaded, someone from the bus falls on to him and eventually, he falls off the bus and while falling, he supported himself with his hand on the road. His arm bone breaks due to the pressure of his body. In this emergency he rushes towards the nearest hospital and there he got himself treated and in the end,doctor hands him over a heavy amount to be paid.

2) Mr Ahsan and family have decided to take vacations and travel by road to the northern areas of Pakistan. While they pack their bags and take all the safety measures they don’t know what is coming . While travelling, the weather conditions deteriorated resulting in Landsliding. The car encounters an accident and half of the family suffer severe injuries, the rest of them died on the spot.

3) Umer is an 18-year-old boy and he has gone for late-night studies at his friend’s place somewhere in Defence. At 6 O’clock early morning, he decides to come back home. One of his friends gives him a ride on his bike. On the way back, their bike gets hit by a heavy truck on Baloach Bridge and their Umer got his face scraped on the road badly with friction due to which his face got a severe injury which requires almost 40 stitches to intact the skin back. Whereas his friend got a few scratches on his hands.

In all these above cases, one thing is common. The accidents are unforeseeable and out of human control. These tragedies don’t come free. It does not only cause emotional damage but also big dent to your pocket. To control that, there are some of the reasons mentioned below as why you should consider to get Personal Accident Insurance:

1.Different from the Other Products

A personal Accident Insurance is a product that is going to facilitate your need in the situation of injuries, disabilities and death that is solely caused by an accident.

You might be thinking that why it is different from the other products available with the insurance companies i.e. Medical Insurance. Medical Insurance comes with the limitations on the coverage of accident cases whereas Personal Accident Insurance entirely covers the cases that lie under the accident; Which is sufficient as accidental events can take place to any age group…

Check Jubliee Self Care Insurance for the list.

2. No Panel Restrictions

Thes hardest job after facing an accident is to get the best treatment for yourself/your loved ones. That can be done only in the hospital that you are assured off. Sometimes, Medical insurance imposes restrictions over panel. You can only go to the hospitals that fall under the panellist. Whereas there is no such restriction with “Personal Accident Insurance” You can call the helpline number of Jubliee General Insuranceand can get more information on this matter.

3. No Physical Documents are Required.

Submitting your documents to claim insurance coverage in such a crucial time is a burden of its own. But there is no such demand if you are aligned with Jubliee General Insurance.There is no requirement of physical documents if you are the customer of Jubliee General insurance’s “Personal Accident Insurance”

Criteria to Opt Jubliee’s Personal Accident Insurance

Eligibility Age: 18-65 years
Non-Filer Tax: A charge of 4% additional withholding tax on non-filers
Premium: Premium and limits may vary by plan chosen
Geographical Limitations : Pakistan Only
Claims Payment) : All claims will be payable in Pakistani Rupees only

Plans Available

There are 3 types of plans:

Plan A with a limit of PKR 240,000/-
Plan B with a limit of PKR 420,000/-
Plan C with a limit of PKR 600,000/-

This is a basic guide towards the Personal Accident Insurance. For further details, feel free to call SmartChoice for buying this policy or log on to Jubliee General Insurance

Have a safe time

Khurram Zahid

The post Everything You Should Know About Personal Accident Insurance appeared first on Smartchoice.pk.

Top Five Health Threats to Pakistanis

Khurram Zahid — Thu, 20 Dec 2018 12:51:14 +0000

Statistics regarding the Population of Pakistan and Initiatives taken for health (WHO) Total population (2017) 197 Million Gross national income per capita (PPP international $, 2013) Life expectancy at birth m/f (years, 2016) male: 66/ Female: 67 The probability of dying between 15 and 60 years m/f (per 1 000 populations, 2016) male: 178/ female: 139 Total expenditure on health per capita (Intl $, 2014) 129 Total expenditure on health as % of GDP (2014) 2.6

Communicable Diseases:

Communicable diseases are spread from person to person or from animal to person. The spread of these contagious diseases or transfers can happen through the air, through contact with contaminated surfaces, or through direct contact with blood, faeces, or other bodily fluids. A cold is an example of a communicable disease (cold is the general term given to a viral infection of the upper respiratory tract) compared to some other diseases such as malaria and tuberculosis etc.

Non-communicable disease (NCD)

Non-communicable diseases (NCDs) are those that are not caused by infectious agents (non-infectious or non-transmissible). NCDs can refer to chronic diseases which last for long periods and progress slowly. Sometimes, NCDs result in rapid deaths seen in certain diseases such as autoimmune diseases, heart diseases, stroke, cancers, diabetes, chronic kidney disease, osteoporosis, Alzheimer’s disease, cataracts, and others. Pakistan is counted among the developing countries and faces a real threat from many curable diseases as well as the issues that arise due to climate change. The increasing rate of health issues in Pakistan is alarming. These health issues are leading to new kinds of diseases that are difficult to treat because of the lack of finances and economic conditions. Pakistan is currently ranked 122 out of 190 countries in terms of health care according to the World Health Organization (WHO). Little or no attention is paid to an important aspect which is to prioritize health above other expenses, we often set aside our financial emergency fund, but very rarely do we keep aside funds for a medical emergency or design a contingency plan for such emergency, reason is lack of awareness of different ways we can secure ourselves against any unforeseen situation or lack at times just merely the lack of intention to do so.

Dengue fever

A disease that is transmitted through mosquito bites, dengue fever is a severe form of the virus that causes migraines, chills and loss of strength and appetite. Like malaria, it is also due to the hostile climatic changes and an environment that becomes a perfect breeding ground for mosquitos.

Health care system upgradation:

In Pakistan, a poor healthcare system may be responsible for the high mortality rate from dengue in previous years. The rate of mortality can be decreased by implementing timely and appropriate clinical management, which involves early clinical and laboratory diagnosis, intravenous rehydration, staff training and hospital reorganization. The Health Ministry of Pakistan should plan health promotion campaigns to spread awareness in the community to eliminate the breeding sites of mosquitoes. Improved hygienic practices, use of personal protective measures, encouraged use of larvicides, surrounding cleanliness and treatment of undesired stagnant water should be the objectives of on-spot awareness campaigns.

Personal Protection:

Preventive measures by individuals may contribute to some safety. Protective clothing may reduce the risk of mosquito biting and therefore it is recommended to wear full-sleeved shirts, socks and trousers. Mosquito mats, coils, aerosols and repellents are largely used for personal protection. Plant extracts such as neem oil and chemicals such as DEET (N, N-diethyl-m-toluamide) are natural and chemical repellents which provide protection, while a preventive measure is also to get a health plan for your family that protects yourself and your family in the face of an epidemic by preparing against it before time by getting a “Family Health Plan” so in the time of crisis you can rush to the hospital without worrying about anything else, especially the funds arrangement, your policy card would cover all, for you.

Diabetes

Diabetes is a disease that occurs when your blood glucose, also called blood sugar, is too high. Blood glucose is your main source of energy and comes from the food you eat. Insulin, a hormone made by the pancreas, helps glucose from food get into your cells to be used for energy. Sometimes your body doesn’t make enough or any insulin or doesn’t use insulin well. Glucose then stays in your blood and doesn’t reach your cells causing diabetes and every case of diabetes is serious. What are the different types of diabetes? The most common types of diabetes are type 1, and type 2 diabetes.

Type 1 diabetes

If you have type 1 diabetes, your body does not make insulin. Your immune system attacks and destroys the cells in your pancreas that make insulin. Type 1 diabetes is usually diagnosed in children and young adults, although it can appear at any age, People with type 1 diabetes need to take insulin every day to stay alive.

Type 2 diabetes

If you have type 2 diabetes, your body does not make or use insulin well. You can develop type 2 diabetes at any age, even during childhood. However, this type of diabetes occurs most often in middle-aged and older people. Type 2 is the most common type of diabetes. According to the research conducted (Hayatabad Medical Complex, Peshawar, 2017) based on census results of 2017 for an adult population, approximately 21.9 million were suffering from diabetes mellitus (DM), which suggests the ratio of 1:7 for diabetes prevalence among the population aged 20 or above. Out of the total prevalence in the latest survey, at least 17.85 per cent of the female population is affected and 16.22 male populations are suffering from the disease. While converting data from research to real-life situations, it is known that for every known three diabetics, there were another two undiagnosed diabetics as well as two pre-diabetics. There is an increasing trend towards younger people developing diabetes as 30 per cent youngsters of aged between 20-39 years have diabetes. (Centers for Disease Control and Prevention, National diabetes statistics report, 2017. Center for Disease Control and Prevention website, www.cdc.gov/diabetes/pdfs/data/statistics/national-diabetes-statistics-report) As you grow older from the age of 45 years onwards there are more chances that you develop type 2 diabetes have a family history of diabetes or are overweight. Physical inactivity and your lifestyle may cause the disease, you should take preventive measures against it as at times we are struck by it without even knowing it, as we grow older we should take special care, diabetes may not directly be dangerous but it can cause heart disease, stroke, kidney disease, eye problems, dental disease, nerve damage, foot problems, they happen quite unexpectedly and at that time having much cash at hand is difficult due to the expenses we incur in our everyday life, plans like “PARENTS CARE” by Jubilee insurance that children can buy for their parents for the unforeseen situation, whereas this plan that has been specifically designed for Parents, keeping in mind the age and issues that comes with it, the plan also covers pre-existing conditions that come with the phase, making it an ideal plan for the parents and loved ones. Over time, having too much glucose in your blood can cause health problems. Although diabetes has no cure, you can take steps to manage your diabetes and stay healthy.

Blood Pressure

Normal blood pressure is vital to life. Without the pressure that forces our blood to flow around the circulatory system, no oxygen or nutrients would be delivered through our arteries to the tissues and organs. You can have high blood pressure or hypertension and still feel just fine. That’s because high blood pressure often does not cause signs of illness that you can see or feel. But, high blood pressure, sometimes called “the silent killer,” is very common in older people and a major health problem. If high blood pressure isn’t controlled with lifestyle changes and medicine, it can lead to stroke, heart disease, eye problems, kidney failure, and other health problems. High blood pressure can also cause shortness of breath during light physical activity or exercise. The National Health Survey of Pakistan estimated that hypertension affects 18% of adults and 33% of adults above 45 years old. In another report, it was shown that 18% of people in Pakistan suffer from hypertension with every third person over the age of 40 becoming increasingly vulnerable to a wide range of diseases. It was also mentioned that only 50% of the people with hypertension were diagnosed and that only half of those diagnosed were ever treated. Thus, only 12.5% of hypertension cases were adequately controlled. Some High Blood Pressure Risks You Can’t Change Anyone can get high blood pressure. But, some people have a greater chance of having it because of things they can’t change. These are: Age: The chance of having high blood pressure increases as you get older. Gender: Before age 55, men have a greater chance of having high blood pressure. Women are more likely to have high blood pressure after menopause. Family history: High blood pressure tends to run in some families. Blood pressure can cause some far-reaching problems to a person and it is wise for an individual to be covered against all the health issues e.g.: Blood pressure, Cardiac Arrest etc. that may arise with time.

Cancer (Lung and Breast Cancer)

Breast Cancer:

Breast cancer is a very serious health risk for women throughout the world, it is estimated that 1 in 9 Pakistani women develop breast cancer at some stage of their life. Experts say that the increase in the cases of breast cancer is also because most patients delay getting help. They consider it against society’s norms to inform others about the disease or delay seeking help due to psychological barriers. Having a contingency plan is having a policy or a plan that acts as a cushion for an individual to ensure the access to best possible health facilities, for example, treatments like Surgery, Radiation therapy, Chemotherapy, and targeted therapy without adding more trauma to the stress that an individual is already dealing with and to make sure that one shall not have to bear the horror of losing a mother, a sister, a wife or a daughter as women in every role are precious, for these beautiful souls Jubilee insurance has come up with a plan that is especially for them “HER CARE” a plan that focuses on women and the essentiality of a custom/tailored plan that is just right for “HER” and address the needs and issues of women.

Lung Cancer

In Pakistan every year 90,000 breast cancer cases are reported in the country and over 40,000 deaths are caused by it, Pakistan has the highest rate of breast cancer in Asia, though early diagnosis and proper treatment can save lives and make a difference. Lung cancer takes the lives of 100,000 people every year in Pakistan, and almost 90% of the cases are caused by chain smoking. In South Asia, Pakistan has the highest consumption of tobacco. Today, lung cancer is one of the major causes of death all over Pakistan. It is prevalent in men as well as women, smokers as well as non-smokers. What’s more, is that the survival rate of lung cancer is extremely low. However, there is still hope as renowned institutions and hospitals are using the latest studies and advanced technical facilities to develop cures for this deadly disease, Treatment required: Surgery, Radiation therapy, Chemotherapy, and targeted therapy and these treatments can be pretty heavy on the pocket and can be exhausting and extensive as well, with the emotional strain it’s an additional burden that is the monetary expense but that burden can easily be transferred by just putting little funds aside in the form of a policy, that is investing in a “policy” being responsible for our self probably getting a “Personal Health Care plan” it’s just like keeping the parachute under our seats while flying even though we may not need it even once for the flight, so buying a policy would also be like transferring risk to a third party against a little amount that you pay.

Tuberculosis

Tuberculosis is a disease of poverty and poor, malnourished, diabetic patients using corticosteroid drugs, drug addicts, smokers, elderly, HIV-infected patients, alcoholics and people living in overcrowded institutions like a prison. A large number of people infected with the tuberculosis bacilli were not diagnosed earlier because of a lack of awareness about the seriousness of the disease. The delay in diagnosis along with unsupervised, inappropriate and inadequate drug regimens, and poor follow-up even leads to death. TB is a lung disease that is contagious and spreads by coughing and sneezing. Pakistan ranks 8 out of the 22 countries in the world that are most highly prone to tuberculosis, according to WHO. Tuberculosis can occur in the pulmonary (lungs), respiratory, and central nervous system as well as meningitis (brain), bones, joints and other organs. Annually around 430,000 people including 15,000 children contract tuberculosis in Pakistan and every year no less than 70,000 deaths can be attributed to the disease in the country. Pakistan is also estimated to have the fourth highest prevalence of multi-drug resistant tuberculosis (MDR-TB) globally. Over 95 per cent of tuberculosis deaths occur in low and middle-income countries. Tuberculosis is a treatable disease with a six-month course of antibiotics. However, prevention is better than cure. It can be prevented by BCG vaccination and by awareness-raising campaigns on a mass scale. If somebody has the symptoms of tuberculosis, one should report to the nearest health care centres to get his or her mucus tested free of cost. Tuberculosis patients should not be stigmatized and must receive full support from family and community. To reduce the prevalence of the disease in Pakistan there is an ample need to increase awareness among the public, especially among the youth through mass media and other social media channels to have the message reach large audiences. These are some of the major health threats that are faced by every Pakistani; there are multiple factors responsible for such diseases, environment, lifestyle, sanitation, unclean water, over-population, depleted un-hygienic conditions and many other factors act as an incubator to such diseases, penetrating in the society affecting the people’s health as well as their pocket expansively. An ideal solution or the best alternative to this is to “Get Insured” It will be your cushion against any such health issue that you may encounter and would ease of your financial burden in the face of an emergency.

Khurram Zahid

The post Top Five Health Threats to Pakistanis appeared first on Smartchoice.pk.

“Jubilee HER CARE Policy” A Great Defensive Game Plan Against Medical Crises for Women in Pakistan

Khurram Zahid — Thu, 25 Oct 2018 06:30:13 +0000

Every woman is a superwoman in her own right. At every stage of her life from being a daughter, an independent woman, to being a wife, mother and role model, her health is as vital to her as it is to the people around her.
According to the figures every year, 8.2 million people die worldwide due to cancer while 14 million new cancer cases are registered every year, everyday 15 women loose battle to 100% curable cervical cancer, 40,000 lose their life to breast cancer per annum.

It is known for a fact that around the world women are more susceptible to fall to Cancers, that can not only be life threatening for a person, at the same time it is huge emotional and financial blow that causes a person an additional trauma of not being able to meet the expenses , some of the basic expenses that causes the family to suffer begins with a mere visit to an oncologist, surgeries, chemotherapy, radiation, medicines and many other known unknown expenses that comes our way when such situation arises.

Being a woman is a beautiful feeling, the endurance and patience they carry is the epitome of grace but at the same time they are fragile and can be easily hurt due to smallest thing happening around them.

Being a witness to this situation first hand, it was shattering to see when my aunt was diagnosed with breast cancer, it was something we had heard and its impact that it has on families but when experienced personally cancer is disease that does only effect your blood cells yet is also affects our confidence, our family the people around us and primarily the strain it causes breaks a person in every possible manner.

The very first thing we usually do is to see doctors and not only one but minimum two hoping and praying that the first one and his opinion would be all wrong and everything shall be okay, yet when the second doctor also confirmed the latter.

We went into full time schedule of hospital, home, hospital, our world revolved around the doctor and the things he prescribed for the procedural activities, at that moment everything in our life became secondary, our whole life went on hold like a movie that had paused without us knowing anything when it shall resume to normalcy.

The one thing that was source of relief in this time of strain and pain was that a year back she had gotten Jubilee insurance “HER CARE” plan, at that time it seemed like an accessory an additional card in the wallet, even an undue liability that she had imposed on herself without having any indication of it coming to use, little did we know that it’s going to be the primary source of quality care in the near future.

The premium she had paid the previous year seemed a little price to pay for the amount that was being spent day in and day out for the treatment expenses, leaving us only to be concerned about the well being of my aunt only as Jubilee insurance with its specialized women centric Plan took care of the rest.

Along with the policy coverage, we were also provided with additional services to make this stressful period easier, some of the add-on services were out-patient services, facility of second opinion before reaching to conclusion and 24/7 medical hotline for any emergency that may arise anytime keeping the critical situation at hand in understanding.

The incident like this my family made me realized and opened my eyes to a fact that Insurance plays a vital role in economic development by helping individuals and families manage risk and deal with uncertainty.
Some of the BASIC reasons why women should put “HER PLAN” on their bucket list:

You need 5-10 times your annual salary in coverage

It is recommended by most experts that buying a policy that’s five to ten times your annual income, is a good place to start.

You can buy “HER CARE” coverage online

Women do just about everything online, from grocery shopping, to ordering a car service. Until recently, however, buying insurance was anything but online. It usually takes several weeks and required paper applications, phone calls, doctor’s visits, emails, and faxes – all with no promise of coverage, with this plan of Jubilee insurance you can Place your order for “HER CARE” plan online.

No income doesn’t mean “NO” insurance

Many assume that the only family member who needs insurance is the primary breadwinner, but they couldn’t be more wrong. Not only is being a stay-at-home mother or wife one of the most demanding jobs in the world, but the cost of replacing all the work they do is quite significant, according to an analysis all the work a stay-at-home mom accomplishes equates to a big sum of money if your family had to outsource it all, so a person who manages the home, take cares of the day to day need is considerably important and needs a customized Plan that helps her being around your family for a longer period of time and can be assured quality health care.

Not only is insurance affordable, it’s even more affordable for women

Women often have more expenses than men when it comes to clothing, cosmetics, and self-care, but they don’t have to pay more for a plan that solely is for “HER”, premiums starting from as low as PKR 3,900 to the sum insured 750,000 that provides her cushion in the face of a medical crisis.

Women’s needs and preferences differ by segment and life cycle events, requiring insurers to tailor products and services keeping the need and importance of it Jubilee insurance has introduced for the first time in Pakistan “HER CARE” that celebrates women by providing specific critical illness policy that solely covers illnesses common among women.

While there may be plenty of plans that cater to the general population of men and women alike, there are as many reasons as to why women need a specific plan that’s personalized to their unique needs.

Khurram Zahid

The post “Jubilee HER CARE Policy” A Great Defensive Game Plan Against Medical Crises for Women in Pakistan appeared first on Smartchoice.pk.