Parental Insurance

Description: <div> <p><strong>Health Insurance for Parents</strong><br> Basic Hospitalization Limit Per Participant Per Annum: 500,000</p> <p><strong>Daily Room & Board Entitlement</strong><br> Sub Limit: 20,000</p> <p><strong>Covered</strong><br> Emergency Room treatment for accidental emergencies only.<br> Medical emergencies covered subject to maximum Rs. 5,000 as per TPL standard clause.</p> <p><strong>Specialised Investigations & Day Care Surgeries</strong><br> Day care surgeries, Dialysis, MRI, CT-Scan, Thallium Scan, Angiography, Cataract (including IOL up to Rs. 25,000), Endoscopy, treatment for fractures & lacerated wounds, emergency dental treatment due to accidental injuries (within 48 hours for pain relief only).</p> <p><strong>Pre & Post Hospitalization</strong><br> Pre hospitalization charges: 30 days prior to hospitalization.<br> Post hospitalization charges: 30 days after discharge.</p> <p><strong>Coverage Eligibility</strong><br> Parents up to 75 years.</p> <p><strong>Age Bracket Premiums (Annual)</strong><br> 45–49 years: 38,635<br> 50–54 years: 42,212<br> 55–59 years: 44,563<br> 60–64 years: 54,273<br> 65–69 years: 65,107<br> 70–75 years: 70,218</p> <p><strong>Underwriting Terms & Conditions</strong><br> Period of insurance: 12 months.<br> Pre-existing conditions under hospitalization coverage:<br> 1st year – 25% | 2nd year – 50% | 3rd year – 75% | 4th year – 100%.<br> Waiting period: 30 days.<br> Reimbursement basis for non-panel hospitals: 80:20 co-payment.<br> COVID-19 coverage only for fully vaccinated members in case of hospitalization.<br> Validity of proposal: 30 days.<br> Medical health cards issued within 15 working days.<br> Territorial limit: Pakistan.<br> Network panel hospitals: 220+ (list provided).<br> Online claim settlement via IBFT.<br> Premium may vary based on number of participants, age, or benefit limits.<br> Mode of payment: annually in advance.<br> Medical facilities at AKUH, OMI, Doctors Hospital, and Shifa International only if room entitlement meets minimum General Ward Room Rent of respective hospitals.</p></div>

Pack / Variation: Pc