Medical Insurance

Introduction:

For the first time, JazzCash introduces “Medical Insurance by EFU Life” – an innovative health protection facility for its customers. This plan offers a convenient and secure health Insurance coverage with key benefits such as accidental medical OPD/IPD cover, reimbursement for outpatient expense and EFU mHealth facility for the entire family including parents providing an all-round Insurance protection. Enjoy the assurance of health coverage without lengthy paperwork or prior approval. Get peace of mind with this hassle-free service.

Product Features: :

Reimbursement for daily hospitalization benefit for the assured customer.
Accidental OPD/IPD coverage for unforeseen accidental expenses.
Outpatient coverage with reimbursement for expenses as prescribed by EFU mHealth panel doctors
Free doctor consultations for the entire family (including parents) via the EFU mHealth app or landline Tele-Health Facility
Simple Enrollment Process: A paperless process that allows enrollment within minutes with no medical examinations required

Benefit	Coverages
Hospitalization	PKR 7,500 Per Day Maximum Coverage PKR 750,000
Out-Patient Limit	PKR 10,000 Per day
Accidental OPD/IPD Limit	PKR 20,000
Telehealth Free for Entire Family
Annual Premium	PKR 2,000

A simple sign-up process

JazzCash Mobile Account customers can subscribe to Medical Insurance by EFU LIfe by simply dialing *786# or via JazzCash App
Jazz Cash Mobile Account customers can also subscribe to JazzCash by calling 042-111-333-033 from Jazz mobile phone.

Eligibility Criteria

Age Limit for enrollment: 18 – 59 years
Age Limit for Coverage: 18 – 60 years

Key Details

The Plan term is 1 Years
Reimbursements for OPD fees up to the limit mentioned. The OPD Claim will be payable subject to having a mHealth consultation and bill being prescribed or verified by the mHealth Doctor.
For hospitalization, a per-day limit is provided for 24 hours of hospital confinement regardless of room category. Maximum 100 days covered in a year.
Maximum Consecutive hospitalization of 30 days. 30-day gap between successive hospitalizations is applicable.
30 Day waiting period for OPD & 15 Day waiting period for hospitalization due to sickness.

Exclusions

Conditions in which a claim will not be payable:

Pre-existing Conditions
Intentional self-inflicted injury, murder, suicide and violation of law; Failure to seek or follow medical advice, taking of alcohol or drugs.
Treatment related to dental, pregnancy, miscarriage or childbirth.
Participating in exercises while service in the armed or paramilitary forces or any form of policing duty.
Routine dental and vision care, over-the-counter medications aside from doctors’ prescriptions, vitamins, or supplements.

Important Information

Medical Insurance is underwritten by EFU Life, registered, and supervised by Pakistan’s Securities and Exchange Commission. EFU Life is responsible for paying claims. The address of EFU Life Assurance is:

EFU Life House, Plot No. 112, 8th East Street, Phase I, DHA, Karachi

Mobilink Microfinance Bank and Jazz Cash are the Medical Insurance by EFU Life distributors and are not responsible for paying claims to customers.

FAQ`s

What are the benefits and coverage offered under this plan?

The plan provides coverage for Hospitalization, Accidental OPD/IPD, and Outpatient fees as prescribed by EFU mHealth panel doctors.

What is the OPD coverage under this plan?

Participants will be reimbursed for outpatient fees, medicines, and other expenses incurred, as prescribed or verified by EFU mHealth panel doctors.

What is the term of this plan?

The plan has a term of 1 year, with all benefits and limits applicable for this period.

What is Accidental OPD/IPD coverage?

Accidental OPD/IPD coverage provides customers reimbursement for inpatient or outpatient treatment in case of an accident. OPD claims will be payable subject to having a mHealth consultation and the bill being prescribed or verified by a mHealth doctor.

When does the coverage start for the customer?

Coverage will start as soon as the Premium amount is deducted from your JazzCash account.

Under what conditions will a claim not be paid?

Pre-existing conditions
Intentional self-inflicted injury, murder, suicide, and violation of law; failure to seek or follow medical advice, taking of alcohol or drugs
Treatment related to dental, pregnancy, miscarriage, or childbirth
Participation in exercises while serving in the armed or paramilitary forces or any form of policing duty
Routine dental and vision care, over-the-counter medications aside from doctors’ prescriptions, vitamins, or supplements

How can I initiate a claim process?

To initiate a claim, please call EFU Life Assurance Ltd at UAN 042-111-333-033 or email support@mhealth.efulife.com Alternatively, you can call the JazzCash helpline number 4444. Our representative will guide you through the claim process.