JS Sehat Sarmaya is a comprehensive healthcare package that provides financial protection in case of an illness or accident that leads to hospitalisation. The plan is underwritten by Allianz EFU, Pakistan’s first specialised health insurance company.
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Credit-based hospitalisation coverage is provided to you and your family members (including parents) at a network of pre-approved hospitals across the country1. Key features of coverage include:
Coverage is provided in case of:
Add family members to the plan including children (above 90 days old), spouse (up to age 60) and parents (up to age 64) in the policy. Each family member is entitled to an independent coverage at the same benefit level as the main applicant. Once enrolled, the coverage can be continued up to the age of 65 years. This plan is issued for 1 year and can be renewed on an annual basis.
Earn a bonus if there is no claim under the policy for 2 consecutive years. In addition, the basic annual limit will be enhanced by 100% with effect from the following policy year, free of charge. This limit enhancement, however, doesn't apply to individuals aged 55 years and above.
Coverage for pre-existing medical conditions is available after 4 policy years. Pre-existing conditions, if any, must be disclosed by the insured member at the time of enrollment.2
Get the most affordable rates for the plan you choose and for the individuals you enroll in the plan
Benefit Limits:
The following chart gives you the Benefit Limits:
| Description of Benefits | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Basic Annual Limit | Rs.100,000 | Rs.200,000 | Rs.350,000 | Rs.500,000 |
| Additional Annual Limit for Accidental Hospitalizationt | Rs.25,000 | Rs.50,000 | Rs.100,000 | Rs.100,000 |
| Additional Annual Limit for Accidental Hospitalizationt | Rs.25,000 | Rs.50,000 | Rs.100,000 | Rs.100,000 |
| Intensive Care Unit | Actual | Actual | Actual | Actual |
| Pre/ Post Hospitalisation Investigations | 30 days | 30 days | 30 days | 30 days |
| Pre/ Post Hospitalisation Consultations | 30 days | 30 days | 30 days | 30 days |
| Pre/ Post Hospitalisation Medicines | 30 days | 30 days | 30 days | 30 days |
| Emergency Evacuation Sub Limit | Rs.25,000 | Rs.35,000 | Rs.50,000 | Rs.50,000 |
JS SehatSarmaya is a comprehensive healthcare package that provides financial protection in case of an illness or accident that leads to hospitalization. The plan is underwritten by Allianz EFU, Pakistan’s first specialised health insurance company.
JS SehatSarmaya offers coverage in case of:
Allianz EFU has developed a network of over 160 carefully selected hospitals spread across the country. In case of hospitalisation, one can avail the credit facility arranged by Allianz EFU through a simple pre-authorization procedure and Allianz EFU will settle your bills directly with the hospital, as per your entitlement. Moreover, to add greater value to our services, Allianz EFU has chosen discount centers in major cities whereby the insured members can avail discounts on outpatient consultations and investigations just by presenting their Health Cards. In addition to this, credit shall be extended for specialized investigations like CT scan, MRI and thallium scan (where available) provided prior approval has been obtained from Allianz EFU.
What are the applicable premiums under different age bands?
The age bands and applicable premiums are given below:
| Age (Next Birthday) | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| 90 Days to 18 Years | 3,950 | 6,100 | 8,600 | 10,050 |
| 19 to 29 Years | 4,900 | 7,400 | 9,700 | 11,700 |
| 30 to 34 Years | 6,250 | 8,850 | 11,350 | 14,200 |
| 35 to 39 Years | 7,200 | 11,100 | 15,150 | 18,150 |
| 40 to 44 years | 8,500 | 14,000 | 18,650 | 21,600 |
| 45 to 49 Years | 9,800 | 16,000 | 20,900 | 24,500 |
| 50 to 54 Years | 11,250 | 18,050 | 22,950 | 27,100 |
| 55 to 59 Years | 13,850 | 20,650 | 25,050 | 31,300 |
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