Introduction

Health Insurance for single families which includes Self, Spouse and Children. Cashless Medical Treatment facilities at 425+ hospitals in 45 cities across Pakistan. You will have your personal family health card which can be used for treatment in any of the panel hospital on cashless basis.

Hospitalization limits are annual and allocated on ‘Per Family’ basis. Parents Ease is offering two exclusive plans with following annual family limits, i.e.

  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000

List of panel hospitals

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Our Family Health Care Insurance covers more than one family member (Self, spouse, up to 04 children) for a fixed amount of cover in case of hospitalization. The amount of sum insured floats over the entire family – this means that the limit can be used by any member of the family and for any number of times. Thus a family of 04 takes a cover for Rs. 550,000 -the entire family can claim up to this amount together.

1

Hospitalization

Hospitalization limits are annual and allocated on ‘Per Family’ basis. Parents Ease is offering two exclusive plans with following annual family limits, i.e.,

  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000

2

Packages

Product Packages are as follows:

  • Family ‘A’ - Self, Spouse & up to 02 children
  • Family ‘B’ - Self, Spouse & up to 03 children
  • Family ‘C’ - Self, Spouse & up to 04 children

1

Providers

Provides Cashless benefits through our preferred providers network
2

Tests

No Medical tests are required
3

PEC

PECs will be covered after 04 years of continuous coverage
4

Look Period

Free look period of 14 days –option of canceling if not satisfied
1

425+ Hospitals

Credit facility on 425+ hospitals all across Pakistan
2

24/7 Facility

24/7 Medical Hotline approval centre for better coordinated care and facilitation through trained professionals
3

Health Card

Customized Family Health Card for complete facilitation at hospitals
4

Outlets

Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets
5

Second Opinion

Medical Second Opinion Facility
6

Lookup Period

Free Lookup Period for 14 days
7

Pre Existing Coverage

Pre Existing coverage after 48 months of consequent renewals
8

Additional Charges

Additional 15% Hospitalization limit after 24 months of consequent renewals subject to No Claims paid

Product Benefit Table

Plans Gold (PKR) Silver (PKR)
Hospitalization Limits Including Hospital/Surgical & Miscellaneous expenses. Some of the covered expenses are: In-Hospital Consultations, Intensive Care Charges, Surgical Fees, Anaesthitist’s Fee, Operation Theatre Charges, Prescribed Medicines, Diagnostic Investigations, Blood & Oxygen Supplies, Ventilator & Allied Services, Day care precedures including Kidney Dialysis/Chemotherapy & Radiotherapy for Cancer 550,000 275,000
Room & Board (Per Day) Private Room Semi Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
30 Days 30 Days
Post hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests after discharge from the Hospital.
Emergency Local Ambulance Expenses:
To pay for the transfer of the patient to end between Hospitals in an ambulance provided by any service provider, per eligible claim.
3,500 2,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.
Covered

Entry Age: Proposer/ Spouse- 18-49 (Once covered, policy can be renewed yearly till age60).

Children: 1 year -23 years.
Single premium covers a family of maximum 06 (self + Spouse + up to 4 children)
Family Premium: Will depend on the age (next birthday) of the eldest member and the package premium will cover a maximum of 06 persons-Self, Spouse and 04 Children.

Family Health Care

Silver Plan
Hospitalization Limit (PKR): 275,000
Room Entitlement: Semi-Private
Emergency Local Ambulance Exp (PKR): 2,500
Family Family A (PKR) Family B (PKR) Family C (PKR)
Age Band
Max Entry Age 18 24 14,201 17,652 21,102
25 29 14,601 18,052 21,502
30 34 15,401 18,852 22,302
35 39 16,501 19,952 23,402
40 44 18,101 21,552 25,002
45 49 21,301 24,752 28,202
Renewals only 50 54 27,501 30,952 34,402
55 59 30,701 34,152 37,602
Gold Plan
Hospitalization Limit (PKR): 550,000
Room Entitlement: Private
Emergency Local Ambulance Exp (PKR): 3,500
Family Family A (PKR) Family B (PKR) Family C (PKR)
Age Band
Max Entry Age 18 24 25,801 31,952 38,102
25 29 26,801 32,952 39,102
30 34 28,801 34,952 41,102
35 39 31,001 37,152 43,302
40 44 34,801 40,952 47,102
45 49 41,601 47,752 53,902
Renewals only 50 54 55,301 61,452 67,602
55 59 62,701 68,852 75,002

Family ‘A’ – Self, Spouse & up to 02 children
Family ‘B’ – Self, Spouse & up to 03 children
Family ‘C’ – Self, Spouse & up to 04 children

Family Health Care

Medical double digits has significantly impacted.

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Frequently Asked Questions