Introduction

You should consider personal health insurance if:

  • You don’t have health benefits through your employer.
  • You’re responsible for yourself and family including spouse, siblings, children & parents.

Hospitalization limits are annual. Parents Ease Insurance is offering three exclusive plans, i.e.

  • Bronze Plan: Rs. 125,000
  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000
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Our Personal Health Care Insurance is the answer to all such needs. This product is most customized, highly valued and competitive premium are the key aspects of this product. Because when it comes to your Personal lifestyle protection, Parents Ease is the partner you can trust.

Parents Ease’s Personal Health Care Insurance covers more you for a fixed amount of Sum insured in case of hospitalization. Thus you can take cover for Rs. 125,000, Rs. 275,000 & Rs. 550,000 as per your need.

1

Providers

Provides Cashless benefits through our preferred providers
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

Outlets

Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets.
2

Report

No requirement of any Medical test/ report
3

Lookup Period

Free Lookup Period for 14 days
4

Pre Existing coverage

Pre Existing coverage after 48 months of consequent renewals
5

Additional Charges

Additional 15% Hospitalization limit after 24 months of consequent renewals Subject to No Claims paid
6

425+ Hospitals

Credit facility on 425+ hospitals all across Pakistan
7

24/7 Facility

24/7 Medical Hotline approval centre for better coordinated care and facilitation through trained professionals
8

Health Card

Customized Personal Health Card for complete facilitation at Hospitals
1

Pre-existing Conditions

Benefits will not be available for Pre-existing Conditions* until 48 months of continuous coverage has elapsed
2

Waiting Period

Will not cover any expenses occurring during the first 30 days of the inception of policy, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break
3

Cosmetic Treatment

Cosmetic, aesthetic and related treatment
4

Congenital Anomalies

Congenital anomalies
5

HIV-AIDS

HIV-AIDS or any sexually transmitted disease
6

Fertility Treatment

Any fertility/impotence/ sterilization procedure or treatment
7

Pregnancy

Pregnancy related expenses ad complications
8

Psychiatric Treatment

Psychiatric treatment
9

War

War, invasion, civil commotion
10

Dentures

Cost of limbs / prosthetic / hearing aids / crutches /dentures
11

Drug

Drug abuse / self-inflicted injuries
12

Outpatient Expenses

Any outpatient expenses
1

Plans

Hospitalization limits are annual. Parents Ease Insurance is offering two exclusive plans, i.e.

  • Bronze Plan: Rs. 125,000
  • Silver Plan: Rs. 275,000
  • Gold Plan: Rs. 550,000

Product Benefit Table

Plans Bronze (PKR) Silver (PKR) Gold (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 125,000 275,000 550,000
Sub Limits:
Room & Board (Per Day) General Ward Semi Private Room Private Room
Pre hospitalization Expenses:
Covering Consultations, Medicines and Laboratory tests preceeding admission to the Hospital.
30 Days 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.
1,500 2,500 3,500
Emergency International Expenses:
Reasonable and Customary expenses only for emergency hospitalization abroad.
Covered

Entry Age: Proposer 18-49 (Once covered, policy can be renewed yearly till age 60).

Personal Health Care

Hospitalization Limit (PKR): 125,000 275,000 550,000
Room Entitlement: General Ward Semi-Private Private
Emergency Local Ambulance (PKR) 1,500 2,500 3,500
  Bronze (PKR) Silver (PKR) Gold (PKR)
Age Band
Max Entry Age 18 24 3,200 5,550 9,800
25 29 3,600 6,250 11,100
30 34 4,450 8,000 14,200
35 39 4,800 8,550 15,300
40 44 5,400 9,700 17,400
45 49 6,300 11,600 20,700
Renewals only 50 54 9,000 16,700 29,700
55 59 10,800 20,300 36,900

Personal Health Care

Medical double digits has significantly impacted.

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Frequently Asked Questions