{"product_id":"parental-insurance-45-49","title":"Parental Insurance","description":"\u003cp\u003e\u003cstrong\u003eDescription:\u003c\/strong\u003e \u0026lt;div\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Health Insurance for Parents\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Basic Hospitalization Limit Per Participant Per Annum: 500,000\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Daily Room \u0026amp; Board Entitlement\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Sub Limit: 20,000\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Covered\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Emergency Room treatment for accidental emergencies only.\u0026lt;br\u0026gt;  Medical emergencies covered subject to maximum Rs. 5,000 as per TPL standard clause.\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Specialised Investigations \u0026amp; Day Care Surgeries\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Day care surgeries, Dialysis, MRI, CT-Scan, Thallium Scan, Angiography, Cataract (including IOL up to Rs. 25,000), Endoscopy, treatment for fractures \u0026amp; lacerated wounds, emergency dental treatment due to accidental injuries (within 48 hours for pain relief only).\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Pre \u0026amp; Post Hospitalization\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Pre hospitalization charges: 30 days prior to hospitalization.\u0026lt;br\u0026gt;  Post hospitalization charges: 30 days after discharge.\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Coverage Eligibility\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Parents up to 75 years.\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Age Bracket Premiums (Annual)\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  45–49 years: 38,635\u0026lt;br\u0026gt;  50–54 years: 42,212\u0026lt;br\u0026gt;  55–59 years: 44,563\u0026lt;br\u0026gt;  60–64 years: 54,273\u0026lt;br\u0026gt;  65–69 years: 65,107\u0026lt;br\u0026gt;  70–75 years: 70,218\u0026lt;\/p\u0026gt;  \u0026lt;p\u0026gt;\u0026lt;strong\u0026gt;Underwriting Terms \u0026amp; Conditions\u0026lt;\/strong\u0026gt;\u0026lt;br\u0026gt;  Period of insurance: 12 months.\u0026lt;br\u0026gt;  Pre-existing conditions under hospitalization coverage:\u0026lt;br\u0026gt;  1st year – 25% | 2nd year – 50% | 3rd year – 75% | 4th year – 100%.\u0026lt;br\u0026gt;  Waiting period: 30 days.\u0026lt;br\u0026gt;  Reimbursement basis for non-panel hospitals: 80:20 co-payment.\u0026lt;br\u0026gt;  COVID-19 coverage only for fully vaccinated members in case of hospitalization.\u0026lt;br\u0026gt;  Validity of proposal: 30 days.\u0026lt;br\u0026gt;  Medical health cards issued within 15 working days.\u0026lt;br\u0026gt;  Territorial limit: Pakistan.\u0026lt;br\u0026gt;  Network panel hospitals: 220+ (list provided).\u0026lt;br\u0026gt;  Online claim settlement via IBFT.\u0026lt;br\u0026gt;  Premium may vary based on number of participants, age, or benefit limits.\u0026lt;br\u0026gt;  Mode of payment: annually in advance.\u0026lt;br\u0026gt;  Medical facilities at AKUH, OMI, Doctors Hospital, and Shifa International only if room entitlement meets minimum General Ward Room Rent of respective hospitals.\u0026lt;\/p\u0026gt;\u0026lt;\/div\u0026gt;\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePack \/ Variation:\u003c\/strong\u003e Pc\u003c\/p\u003e","brand":"TPL Insurance","offers":[{"title":"Pc","offer_id":54310239109393,"sku":"57308","price":38635.0,"currency_code":"PKR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0671\/7515\/3937\/files\/Parental_20health.jpg?v=1787175855","url":"https:\/\/mamasjan.com\/products\/parental-insurance-45-49","provider":"Mamasjan","version":"1.0","type":"link"}