Introduction

Her Ease is offering Specialised Insurance product only for women with Lump Sum Cash Benefit

  • Platinum Plan with a limit of PKR 750,000/-
  • Gold Plan with a limit of PKR 500,000/-

HER EASE for women provides for 8 types of critical illnesses:

  • Breast Cancer
  • Cervical Cancer
  • Burns
  • Paralysis or Multi-trauma
  • Fallopian Tube Cancer
  • Uterine or Endometrial Cancer
  • Vaginal Cancer
  • Ovarian Cancer
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Here’s all you Need to know about the Policy

This policy pays a lump sum amount equivalent to the amount of Sum Assured chosen, if the insured woman is diagnosed with any of the 8 specified critical illnesses during the tenure of the policy.

1

Critical Illness Plan

Critical Illness Plan for women provides for 8 types of critical illnesses:

  • Breast Cancer
  • Cervical Cancer
  • Burns
  • Paralysis or Multi-trauma
  • Fallopian Tube Cancer
  • Uterine or Endometrial Cancer
  • Vaginal Cancer
  • Ovarian Cancer

What makes the plan unique is that it has certain inbuilt benefits other than the coverage against the specified critical illnesses. Moreover, no additional premium is required to be paid. The benefit included in the cover is:

1

Congenital Disability Benefit

Bearing a child is the most important milestone in a woman’s life and if the child has any congenital disability, the mother suffers the most. The plan lists some common congenital disabilities that a new-born baby might suffer. If the baby suffers from any of the prescribed disabilities, the plan pays 50% of the Sum Assured to the mother. The disabilities covered include:

  • Down’s Syndrome
  • Congenital Cyanotic Heart Disease
  • Trachea-esophageal Fistula
  • Cleft Palate with or without cleft lip
  • Spina Bifida

This benefit is available for the first two children and only if the children are born before the woman attains 40 years of age.

2

Other Features

Other features of ‘Her Ease’ Insurance are as follows:

  • No medical tests required
  • 14 days free look up period

1

24/7 Facility

24/7 Medical Hotline approval centre for better coordinated care and facilitation through trained professionals
2

Health Card

Customized Personal Health Card for complete facilitation at Hospitals
3

Outlets

Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets.
1

Plans

There are two types of plans:

  • Platinum Plan with a limit of PKR 750,000/-
  • Gold Plan with a limit of PKR 500,000/-

1

Entry Age

Entry Age must be between 18-50 years old (once covered, policy can be renewed yearly till 60th birthday)
2

Waiting Period

We will not cover any critical illness occurring during the first 90 days of the policy. The waiting period will not apply for renewals.
3

Pre-Existing Condition

Any benefit will not be available for any pre-existing condition.
4

Critical Illness

Insured person need to survive for 30 days from the date of diagnosis of critical illness for claim to be admissible.
5

Ceases

Cover ceases for insured person if claim has been paid under the policy.
6

Renewal

Policy cannot be renewed if claim is already paid once
7

Premium Plan

Premium may vary by age and plan chosen.
1

Pre-existing Conditions

Pre-existing Medical Condition means any sickness, disease or injury or any symptom related to such sickness, disease or injury which has been diagnosed, treated or is under treatment or has been known, even if so medical advice or treatment was sought, before the effective date of this insurance. No liability will be accepted by JGI for any Pre-existing Medical Condition.
2

Injury

Willful self-inflicted injury by/to the Life Assured or unreasonable failure to seek or follow medical advice.
3

HIV-AIDS

Infection with Human Immuno-deficiency Virus (HIV) or variants (including Acquired Immune Deficiency Syndrome (AIDS)) or AIDS Related Complex (ARC).
4

Radiation

Radiation induced burns
5

CI

Death within 30 days from the diagnosis of the CI.
6

Drug

Willful misuse of drug.
7

Others

Please refer to the policy document for complete set of exclusions

How Much Is It Going To Cost?

Her Ease Premium Table
Max Entry Age Age Bands PLANS
Platinum (PKR) Gold (PKR)
Sum Insured PKR 750,000/- Sum Insured PKR 500,000/-
18 35 3,900 2,500
36 40 5,800 3,600
41 45 8,650 5,300
46 50 14,250 8,650
Renewals Only 51 55 23,400 16,100
56 60 36,300 24,900

Her Ease

It solely covers illnesses common among women.

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Frequently Asked Questions