Health Protector

About Health Protector:

Health Protector is a convenient and affordable way to cover your expenses in case of In-Patient hospitalization due to accident or illness. Health Protector is a health insurance scheme that provides annual coverage with an option of renewal each year, and will cover you in case of hospitalization. The plan is underwritten by Allianz EFU Health Insurance Limited, Pakistan’s first specialized Health Insurance Company.

Misfortune can strike at any time, and with healthcare costs on the rise, protect your family and yourself from mental distress with Health Protector

Health Protector – Product Overview:

There are three plan categories under this plan, which offers coverage in case of: In Patient

  • Hospitalization
  • Accidental Hospitalization
  •  Intensive Care Unit
  • Pre/Post-Hospitalization Investigations, Consultations and Medicines
  • Intensive Care Unit (ICU)
  • Emergency Accidental Outpatient Treatment and Dental Treatment (for pain relief only)
  • Emergency Evacuation
  • Day Care Treatment
  • Emergency International Coverage

Health Protector – Benefits:

The following benefits are offered under each plan:

Plan CategoryPlatinumGoldSilver
Annual LimitPKR 500,000PKR 300,000PKR 150,000
Additional Limit for Accidental HospitalizationPKR 150,000PKR 100,000PKR 50,000
Sub-Limit for Emergency EvacuationPKR 50,000PKR 50,000PKR 25,000
Sub-Limit for Pre/Post HospitalizationPKR 10,000PKR 7,500PKR 3,000
Sub-Limit for Emergency Accidental Outpatient TreatmentPKR 10,000PKR 7,500PKR 3,000
Room EntitlementPrivateSemi-PrivateSemi-Private

*The maximum lifetime limit is PKR 1,000,000 per insured member.

Premium Rates:

The policy premiums are affordable, and depend on the age of the member and the plan category, as below:

Age (Next Birthday)PlatinumGoldSilver
90 days - 18 days11,50010,0007,000
19 - 44 yrs12,00010,5007,200
45 - 59 yrs24,50022,00014,500
60 - 54 yrs33,50030,50020,500
65 - 69 yrs79,50072,50049,500

• Premiums inclusive of 1% Federal Insurance Fee (FIF)
• Please add Rs.750/- as Policy Admin Fee & Stamp Duty (Non-refundable)
• In case the policyholder is a non-filer, additional 4% Advance Tax on premiums shall be collected as required by the law.

How do I buy Health Protector Coverage?

If you are a healthy adult Pakistani up to sixty years of age, all you have to do to enroll is visit our branch and apply for the coverage. No medical examination is required.

For more information regarding Health Protector, visit your nearest JS Bank Branch or call our toll-free call center at 0800 01122.


  • JS Bank Limited (“Bank”) is acting as a distributor of this Insurance Policy under the Bancassurance agency agreement on behalf of Allianz EFU Health Insurance Limited (“Insurance Company”). Policy will be underwritten and issued by Allianz EFU Health Insurance Limited. Any claim liability arising out of this Policy shall be directly reported to Allianz EFU Health Insurance Limited.
  • The prospective policyholder’s / policyholder’s statement of account / application form, health declaration or recorded verbal statement for own self and / or on behalf of dependents will act as his / her enrolment along with proposed dependents under the Policy subject to realisation of due premium.
  • This product brochure only gives a general outline and introduction of the benefits available under the policy. For complete Terms and Conditions, please refer to the Policy Document