HEALTH CARE INERNATIONAL

	NEW JUBILEE HEALTH INSURANCE COVERAGE
	NJI Life provides different room & board limits and maximum annual limits to different employees in various categories. The benefit covers all expenses borne by treatment provided by a Physician to the Insured Person when admitted as a registered in-patient to a Hospital. NJI Life’s Health Care portfolio provides the following benefits.
	Hospital & Related Services
	Our H&R limits cover the following expenses:
	All in-hospital accommodation, treatment and services Doctor’s visits In-patient treatment/ drugs’ expenses ICU charges Charges for all Surgical procedures Pre-hospital diagnosis: Provides reimbursement of expenses for diagnosis outside the hospital and can be utilized up to 30 days before admission into the hospital. Post-hospital follow-up treatment: Provides reimbursement for post-hospitalization follow-up and can be utilized up to 30 days after discharge. Local ambulance services Day Care Surgery Diagnostic tests Accidental Emergency Medical Services
	Maternity Benefit
	Maternity Benefit covers the following expenses of up to the sub-limit for Normal Delivery:
	pre-natal treatment childbirth and post-natal treatment Complicated delivery; wherein the maternity sub-limits are increased from the amount of normal delivery (the additional is provided free of cost) Additional Unique Benefits CREDIT FACILITY from the best hospitals known as PPN REIMBURSEMENT in case of treatment from non-PPN hospitals INTERNATIONAL COVER – reimburses for sudden hospitalization abroad Issuance of PERSONAL CARD and CERTIFICATE of Insurance to each insured employee EMERGENCY HELPLINE SERVICE can be availed round the clock. Minimum turn around time for claim settlement.
	Who is covered?
	Employees & Spouses:
	Minimum eligible age - 18 years
	Maximum eligible age at entry - 59 years
	Maximum eligible age at expiry - 65 years
	Dependants - Children
	Maximum age 24 years (no age limit for unmarried daughters)
	Credit Facility from the best hospitals
	Panel hospitals New Jubilee Life Insurance has developed a Preferred Provider Network (PPN) of some very well known hospitals with the required geographical spread that can provide fine standard of care. The major facility, which is extremely convenient, is that an employee can avail full credit if he/she visits these hospitals.
	Non PPN hospitals We will reimburse the benefits utilized outside our Preferred Provider Network (PPN) hospitals on the basis of actual costs incurred.
	Coverage Outside Pakistan
	An individual traveling abroad on business or pleasure may end up incurring heavy expenses towards hospitalization due to high medical costs involved. When an insured employee (and his/her family) will travel abroad, NJI Life will reimburse the expenses in Pak rupees upon their return to Pakistan. The coverage here is subject to:
	Accidents or acute medical emergencies arising during Business/ Pleasure trip.
	The maximum period of stay should not exceed to 90 (ninety) days in a calendar year.
	Local treatment conditions of the policy
	Please note that elective, non-urgent, chronic treatment and treatments that can reasonably wait until return to the home country will not be included
	HEALTHCARE INTERNATIONAL
	Below is the outline of the sample limits provided by NJI Life for health insurance plan:
Basic Economy Standard Rs.100,000 Rs.250,000 Rs.500,000 Hospital & Related Limits Rs.100,000 Rs.250,000 Rs.500,000 Room & Board (per day) Rs.1000 Rs.2,000 Rs.4,500 PER DISABILITY Pre-Hospitalization Diagnosis(30 days) Rs.15,000 Rs.20,000 Rs.25,000 Post-Hospitalization Follow up(30 days)) Rs.7,500 Rs.10,000 Rs.12,500 MATERNITY OPTION Normal Delivery 10,000 20,000 30,000 Complicated Delivery 20,000 40,000 60,000
	''Limits can be changed as per client requirement.