Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through daily deductions from his/her airtime balance.
Features and benefits:
How to subscribe:
Call 042-111-119-878 or SMS “BIMA Sehat” to 9878. You will receive a call from a MILVIK representative or an IVR-based response (automated call) within 24–48 working hours from 042-33339878. There are no charges for sending an SMS to 9878
Plan | **Daily Price | **Monthly Price | Maximum sum assured per night (max 30 nights per year) |
Silver |
Rs. 3 | Rs. 90 | Rs.1,250 |
Gold | Rs. 5 | Rs. 150 | Rs.3,000 |
Platinum | Rs. 9.5 | Rs. 285 | Rs.7,000 |
Diamond | Rs. 17 | Rs. 510 | Rs.15,000 |
Prepaid: The monthly price is charged in **installments over 30
days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the
entire monthly price. For details, please refer to the Terms &
Conditions
**The monthly price is divided into 30 equal installments and is charged once per day
until the entire month’s price is received. If your prepaid balance is low and you may
not be charged for that day. A proportionately reduced amount of insurance benefit will
be provided even after one day deduction.
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 042-111-119-878 no later than 270 days from the first night of hospitalization. A MILVIK representative will contact you with full information on how to process your claim.
The Insurance is underwritten by IGI General Insurance and delivered by MILVIK
BIMA
Since 2010, has been revolutionizing lives in emerging markets with its innovative
mobile-led insurance and health products. BIMA has established itself as a global leader
in the industry, serving over 7 million active customers across 6 countries in Asia and
Africa.
BIMA Mobile Pakistan, established in 2015, partnered with Mobile Network Operators (MNOs) and insurance companies to provide digital healthcare and insurance services that are affordable and accessible to all Pakistanis.
MILVIK is proudly underwritten by IGI General Insurance. IGI General Insurance offers first class security and service to the insuring public at an international standard. Jazz Telecom, is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or MILVIK’s performance of its obligations.
BIMA SEHAT POLICY
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall be hospitalized due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary.
DEFINITIONS
BIMA SEHAT means monthly hospitalization insurance policy with Tele-Health Services.
IGI refers to the COMPANY, the INSURER, or IGI General Insurance Company Limited.
APPLICANT means the individual who applies for BIMA Sehat Plan under this Policy.
BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
MILVIK refers to MILVIK Mobile Pakistan.
The COMPANY is stated as IGI General Insurance Company Limited.
ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium, Jazz’s Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.
HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical practitioner.”
HOSPITALISATION: staying minimum of one night in a facility recognized as hospital.
INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.
The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy.
The INSURER is stated as IGI General Insurance Company Limited.
MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
JAZZ SYSTEMS mean Jazz’s GSM mobile cellular system.
JAZZ PAYMENT TERMS mean Jazz’s payment terms published at jazz.com.pk, as revised from time to time.
EXCLUSIONS
The BIMA SEHAT plan shall not cover any hospitalization claim which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
GENERAL PROVISIONS
1. Eligibility & Enrolment
Applicants are eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL the criteria set out below:
(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the BIMA Sehat Policy.
(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.
(4) If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:
i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
iii. confirm the BIMA Sehat Plan that the Applicant wishes to apply for;
iv. authorize Jazz to make 30 daily deductions each month from the prepaid account and
a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.
2. Mistake In Age
3. Intentional False Statements Of The Insured
4. Notice Of Claims
the Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the from the first night of hospitalization after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.
(2) For each Claim reported, the Company shall obtain:
From the Claimant:
CNIC; final hospital invoice or discharge report which states date of admission and discharge.
Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
5. Termination Of Individual Insurance
The insurance of an Insured shall automatically terminate at the earliest time below:
6. Participation Requirement/Process
Interested customers shall participate through an electronic enrolment process, assisted by a call center agent, or by submitting information electronically via their handset, in two phases:
1st Phase:
2nd phase:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by MILVIK to a MILVIK agent. This confirmation serves as digital signature for the BIMA SEHAT Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.
7. Arbitration
All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.
8. Compliance with Policy Provisions
Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.
9. Insurance Benefits
The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder.
If an Insured is hospitalized due to any reason(with the exception of exclusions), on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the hospitalization of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording.
Benefit:
The amount of benefit received by the Insured or the Beneficiary in the event of the hospitalization from the from the first night of hospitalization of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.
Terms and conditions of this cover are as follows:
The following actions shall be taken depending on the decision of renewal or non-renewal:
The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
The Subscriber has the option to choose between four (4) cover levels, at four (4) corresponding End User Price points, as given below. Unlimited M health is included for all four (4) cover levels.
Monthly Price | Daily | Method of Payment | Maximum sum assured per night (max 30 nights per year) | M-Health | Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health) |
Rs.90 |
Rs.3 | Prepaid balance | PKR 1,250 | Unlimited | Yes |
Rs.150 | Rs.5 | Prepaid balance | PKR 3,000 | Unlimited | Yes |
Rs.285 | Rs.9.5 | Prepaid balance | PKR 7,000 | Unlimited | Yes |
Rs.510 | Rs.17 | Prepaid balance | PKR 15,000 | Unlimited | Yes |
PKR 1,250 Per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
90 |
1,250 |
87 |
1,208 |
84 |
1,167 |
81 |
1,125 |
78 |
1,083 |
75 |
1,042 |
72 |
1,000 |
69 |
958 |
66 |
917 |
63 |
875 |
60 |
833 |
57 |
792 |
54 |
750 |
51 |
708 |
48 |
667 |
45 |
625 |
42 |
583 |
39 |
542 |
36 |
500 |
33 |
500 |
30 |
500 |
27 |
500 |
24 |
500 |
21 |
500 |
18 |
500 |
15 |
500 |
12 |
500 |
9 |
500 |
6 |
500 |
3 |
500 |
0 |
Nil |
PKR 3,000 per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
150 |
3,000 |
145 |
2,900 |
140 |
2,800 |
135 |
2,700 |
130 |
2,600 |
125 |
2,500 |
120 |
2,400 |
115 |
2,300 |
110 |
2,200 |
105 |
2,100 |
100 |
2,000 |
95 |
1,900 |
90 |
1,800 |
85 |
1,700 |
80 |
1,600 |
75 |
1,500 |
70 |
1,400 |
65 |
1,300 |
60 |
1,200 |
55 |
1,100 |
50 |
1,000 |
45 |
900 |
40 |
800 |
35 |
700 |
30 |
600 |
25 |
500 |
20 |
500 |
15 |
500 |
10 |
500 |
5 |
500 |
0 |
Nil |
PKR 7,000 per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
285 |
7,000 |
276 |
6,767 |
266 |
6,533 |
257 |
6,300 |
247 |
6,067 |
238 |
5,833 |
228 |
5,600 |
219 |
5,367 |
209 |
5,133 |
200 |
4,900 |
190 |
4,667 |
181 |
4,433 |
171 |
4,200 |
162 |
3,967 |
152 |
3,733 |
143 |
3,500 |
133 |
3,267 |
124 |
3,033 |
114 |
2,800 |
105 |
2,567 |
95 |
2,333 |
86 |
2,100 |
76 |
1,867 |
67 |
1,633 |
57 |
1,400 |
48 |
1,167 |
38 |
933 |
29 |
700 |
19 |
500 |
10 |
500 |
0 |
Nil |
PPKR 15,000 per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
510 |
15,000 |
493 |
14,500 |
476 |
14,000 |
459 |
13,500 |
442 |
13,000 |
425 |
12,500 |
408 |
12,000 |
391 |
11,500 |
374 |
11,000 |
357 |
10,500 |
340 |
10,000 |
323 |
9,500 |
306 |
9,000 |
289 |
8,500 |
272 |
8,000 |
255 |
7,500 |
238 |
7,000 |
221 |
6,500 |
204 |
6,000 |
187 |
5,500 |
170 |
5,000 |
153 |
4,500 |
136 |
4,000 |
119 |
3,500 |
102 |
3,000 |
85 |
2,500 |
68 |
2,000 |
51 |
1,500 |
34 |
1,000 |
17 |
500 |
0 |
Nil |
Monthly Price | Daily Charges(PKR) | Method of Payment | Level of maximum insurance cover provided | Funeral Expense (PKR) | Hosipatlization due to Accident (PKR) |
Rs.75.27 | Rs.2.51 | Prepaid balance | PKR 225,000 | 40,000 | 600 |
Rs.120.05 | Rs.4.00 | Prepaid balance | PKR 450,000 | 80,000 | 1,200 |
Rs.261.26 | Rs.8.71 | Prepaid balance | PKR 1,250,000 | 180,000 | 3,000 |
Rs.475.01 | Rs.15.83 | Prepaid balance | PKR 2,500,000 | 360,000 | 6,000 |
PKR 225,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
75.31 |
225,000 |
72.80 |
217500 |
70.29 |
210,000 |
67.78 |
202,500 |
65.27 |
195,000 |
62.76 |
187,500 |
60.25 |
180,000 |
57.74 |
172,500 |
55.23 |
165,000 |
52.72 |
157,500 |
50.21 |
150,000 |
47.70 |
142,500 |
45.19 |
135,000 |
42.68 |
127,500 |
40.17 |
120,000 |
37.66 |
112,500 |
35.14 |
105,000 |
32.63 |
97,500 |
30.12 |
90,000 |
27.61 |
82,500 |
25.10 |
75,000 |
22.59 |
67,500 |
20.08 |
60,000 |
17.57 |
52,500 |
15.06 |
45,000 |
12.55 |
37,500 |
10.04 |
30,000 |
7.53 |
22,500 |
5.02 |
15,000 |
2.51 |
7,500 |
0 |
Nil |
PKR 450,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
120.05 |
450,000 |
116.05 |
435,000 |
112.05 |
420,000 |
108.05 |
405,000 |
104.05 |
390,000 |
100.04 |
375,000 |
96.04 |
360,000 |
92.04 |
345,000 |
88.04 |
330,000 |
84.04 |
315,000 |
80.03 |
300,000 |
76.03 |
285,000 |
72.03 |
270,000 |
68.03 |
255,000 |
64.03 |
240,000 |
60.03 |
225,000 |
56.02 |
210,000 |
52.02 |
195,000 |
48.02 |
180,000 |
44.02 |
165,000 |
40.02 |
150,000 |
36.02 |
135,000 |
32.01 |
120,000 |
28.01 |
105,000 |
24.01 |
90,000 |
20.01 |
75,000 |
16.01 |
60,000 |
12.01 |
45,000 |
8.00 |
30,000 |
4.00 |
15,000 |
0 |
Nil |
PKR 1,250,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
261.26 |
1,250,000 |
252.55 |
1,208,333 |
243.84 |
1,166,667 |
235,13 |
1,125,000 |
226.43 |
1,083,333 |
217.72 |
1,041,677 |
209.01 |
1,000,000 |
200.30 |
958,333 |
191.59 |
916,667 |
182.88 |
875,000 |
174.17 |
833,333 |
165.46 |
791,667 |
156.76 |
750,000 |
148.05 |
708,333 |
139.34 |
666.667 |
130.63 |
625,000 |
121.92 |
583,333 |
113.21 |
541,667 |
104.50 |
500,000 |
95.80 |
458,333 |
87.09 |
416,667 |
78.38 |
375,000 |
69.67 |
333,333 |
60.96 |
291,667 |
52.25 |
250,000 |
43.54 |
208,333 |
34.83 |
166,667 |
26.13 |
125,000 |
17.42 |
83,333 |
8.71 |
41,667 |
0 |
Nil |
PKR 2,500,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
475.01 |
2,500,000 |
459.18 |
2,416,667 |
443.34 |
1,166,667 |
427.51 |
2,250,000 |
411.68 |
2,166,667 |
395.82 |
2.083,333 |
380.01 |
2,000,000 |
364.17 |
1,916,667 |
348.34 |
1,833,333 |
332.51 |
1,750,000 |
316.67 |
1,666,667 |
300.84 |
1,583,333 |
285.01 |
1,500,000 |
269.17 |
1,416,667 |
253.34 |
1,333,333 |
237.51 |
1,250,000 |
221.67 |
1,166,667 |
205.84 |
1,083,333 |
190.00 |
1,000,000 |
174.17 |
916,667 |
158.34 |
833,333 |
142.50 |
750,000 |
126.67 |
666,667 |
110.84 |
583,33 |
95.00 |
500,000 |
79.17 |
416,667 |
63.33 |
333,333 |
47.50 |
250,000 |
31.67 |
166,667 |
15.83 |
83,333 |
0 |
Nil |
Hospital Insurance
Cover: lump sum pay out based on number of overnight stays in hospital, maximum thirty (30) nights per year.
In addition to the Hospitalization cover BIMA Sehat service includes:
Health programs:
Access to one health program, chosen by the Subscriber from a menu of health programs provided by MILVIK. Health programs include periodic delivery of program-specific content through different communication channels. The health program is only available for the Subscriber.
Tele-Consultation:
Unlimited access to tele-consultations with MILVIK doctors to address acute minor ailments and to receive medical advice on general health topics, however, these may not be used for urgent conditions. The teleconsultations are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.
Specialist Consultation:
Access to specialists (gynecologist, pediatrician, nutritionist and psychologist/psychiatrist) for your health needs in both consultative and health advice related matters. The specialist services are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.
DISCLAIMER/ TERMS OF USE of BIMA SEHAT Consultations
TERMS OF USE
THIS DOCUMENT IS AN AGREEMENT BETWEEN YOU AND MILVIK, WHICH CONTAINS THE TERMS AND CONDITIONS YOU AGREE TO WHEN YOU USE THE BIMA SEHAT PRODUCT. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE OUR SERVICES. WE MAY UPDATE THESE TERMS OF USE FROM TIME TO TIME. WE ENCOURAGE YOU TO REVIEW THESE TERMS PERIODICALLY. YOUR CONTINUED USE OF OUR SERVICES (AS DEFINED BELOW) INDICATES YOUR ACCEPTANCE OF THE CHANGED TERMS OF USE.
Any reference to “MILVIK”, “our”, “us”, or “we” are references to MILVIK Mobile Pakistan (Pvt.) Limited, a private company registered in Pakistan (company number 90585), the registered office being 3rd Floor, New Liberty Tower, Model Town Link Road, Model Town, Lahore, Pakistan.
Services Provided:
MILVIK provides real-time medical consultations with licensed physicians (“BIMA Doctors”) through telephone, video, SMS, apps or other means for the purpose of providing advice and/or recommendations on medical and health issues (“Services”). MILVIK may also offer other health-related services provided in partnership with local providers, which may include hospitals, diagnostic laboratories or pharmacies (together with the BIMA Doctors, the “Providers”).
MILVIK facilitates access to Providers who have agreed to provide medical and health advice and services to customers. It does not interfere with the practice of medicine or other licensed profession by BIMA Doctors and MILVIK does not impose any guidelines or protocols that restrict the actions of BIMA Doctors.
Use of MILVIK health Services is NOT FOR EMERGENCIES:
Our Services are NOT for use in potential or actual medical emergencies or if you have a condition that you know will require a physical examination. If this is the case, you should visit your nearest emergency room. You must not delay your visit to the emergency room in anticipation of obtaining medical advice from a BIMA Doctor through MILVIK.
Relationship with your Primary Care Physician:
Your interaction with the BIMA Doctors through our Services is not intended to replace your relationship with your existing primary care physician or other healthcare professional or be your permanent medical access point. You should seek emergency help or follow-up care when recommended by a BIMA Doctor or when otherwise needed and continue to consult with your primary care physician and other health care professionals as necessary. Consult your primary care physician or health care professional as relevant if you have any questions about any symptoms or medical condition, and before starting or stopping any treatment by your physician or health care professional.
Medication Policy:
MILVIK will provide you with access to BIMA Doctors that are appropriately qualified and experienced to practice medicine. Subject to all applicable laws, such BIMA Doctor may recommend a medication as deemed appropriate. BIMA Doctors cannot guarantee the availability, effectiveness, authenticity, reliability, safety, legality or quality of the recommended medicine. MILVIK does not guarantee that a BIMA Doctor will recommend or issue medication, and does not endorse, recommend or make any representation or warranty about the medicines recommended or prescribed by the BIMA Doctor.
You agree that any medication recommended to you from a BIMA Doctor shall be solely for your personal use. You agree to fully and carefully read all product information and labels before use and to contact a physician or pharmacist if you have any questions regarding the medicine. You agree that you are using our Services only for yourself, or on behalf of a child under 18 in your capacity as his/her parent or legal guardian, provided that you supervise the child’s use of the Services at all times. MILVIK may suspend services or terminate customer accounts if we reasonably suspect that such accounts are being used in breach of the restrictions in this section.
Privacy:
When you sign up for the Services, you agree that the Providers will communicate with you, by sending information, messages and notices to you. These messages may be conveyed or sent via email, SMS, notifications, etc, using the contact information associated with your account, which includes the information you provide when you register or update information in your account settings. You also agree that MILVIK may retain your medical records and that such records will be held in compliance with all applicable laws. MILVIK may record calls and other communications with you for quality assurance purposes.
Intellectual Property Rights:
You may communicate materials containing our copyrights, trademarks, trade secrets, patents, or other intellectual property rights (“IPR”) to your physician or health care professional only. You are not permitted to copy, distribute or make any business use of our IPR.
Informed Consent:
Tele-health is the delivery of health care services using interactive audio and/or video technology, where the patient and the BIMA Doctor are not in the same physical location. During your tele-health consultation with a BIMA Doctor details of your medical or health history and personal health information may be discussed through the use of interactive audio, video, and/or other telecommunications technology, and the BIMA Doctor may perform a physical exam through these technologies. Depending on your medical or health history and/or specific complaint, you may be asked to provide information through other electronic means and verify your identity with a national identity card or other legal document.
Limitations of Tele-Health:
There are potentials risks associated with the use of tele-health, including, but not limited to:
Complaints and Disputes:
You can always give us feedback on our Services by calling 042-111-119-878 or emailing us at [email protected].
If you have a complaint about our Services, we would like to resolve it as soon as possible. Please tell us about your complaint as soon as you can so that we can do this. We may ask you for certain details about you and your complaint in order to address it. Please provide these as soon as you can so that we can resolve your complaint quickly. We will tell you the outcome of our investigation into your complaint and give you the chance to discuss it with us. If we find that we have broken any of these terms and you suffer loss or damage, we are responsible for compensating you for that loss or damage if it was a foreseeable result of our breaking of these terms. We are not responsible for compensating you for indirect, incidental, special or consequential damages.
These terms are governed by Pakistani laws and the Pakistani courts shall have exclusive jurisdiction to hear any claim arising out of or in connection with these terms or the use of our products and services.
Acceptance of these terms of use:
By using the Services, you acknowledge that you understand and agree with the following:
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
No, you have to enroll yourself into this service, as BIMA Sehat service charges will be separately deducted from your JAZZ balance.
CNIC, Final hospital invoice or Discharge report which states date of admission and discharge will be required for CLAIM.
The money is paid by check or mobile money within 3 – 10 working days after the submission of all documents.
Due to intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice. Due to an elective treatment, such as cosmetic surgery. Pregnancy and any complication arising from pregnancy will not be covered during the first 12 months of the policy becoming effective.
Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through his monthly postpaid bill.
How to subscribe:
Call 042-111-119-878 or SMS “BIMA Sehat” to 9878 and an agent will call* you to guide and help subscribe to the service *MILVIK agent will call you within 24 working hours There are no charges for sending an SMS to 9878.
Plan | Monthly Price | Maximum sum assured per night (max 30 nights per year) |
Silver | Rs. 44.84 | Rs.1,000 |
Gold | Rs. 89.70 | Rs.2,000 |
Platinum | Rs. 224.23 | Rs.5,000 |
Diamond | Rs. 448.44 | Rs.10,000 |
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 042-111-119-878 no later than 270 days from the first night of hospitalization and a MILVIK representative will contact you with full information on how to process your claim.
The Insurance is underwritten by IGI General Insurance and delivered by BIMA.
BIMA Pakistan is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations across Asia and Africa.
Bima is proudly underwritten by IGI General Insurance. IGI General Insurance offers first class security and service to the insuring public at an international standard.
Jazz Telecom, is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or BIMA’s performance of its obligations.
BIMA SEHAT POLICY
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall be hospitalized due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary
DEFINITIONS
EXCLUSIONS
The BIMA SEHAT plan shall not cover any hospitalization claim which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
GENERAL PROVISIONS
1. Eligibility & Enrolment
Applicants are eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL the criteria set out below:
(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the BIMA Sehat Policy.
(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty-five (65) years of age at the time of registration.
(4) If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:
1. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
2. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
3. confirm the BIMA Sehat Plan that the Applicant wishes to apply for;
4. authorize Jazz to charge every month from the postpaid account for the subscribed service and
5. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
6. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.
2. Mistake In Age
The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.
3. Intentional False Statements Of The Insured
In the event of any concealment or misrepresentation the BIMA Sehat Policy shall become null and void with respect to the relevant Insured.
4. Notice Of Claims
the Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the from the first night of hospitalization after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.
(2) For each Claim reported, the Company shall obtain:
From the Claimant:
CNIC; final hospital invoice or discharge report which states date of admission and discharge.
Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
5. Termination Of Individual Insurance
The insurance of an Insured shall automatically terminate at the earliest time below:
6. Participation Requirement/Process
Interested customers shall participate through an electronic enrolment process, assisted by a call center agent, or by submitting information electronically via their handset, in two phases:
1st Phase:
Name of the Customer:
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:
Insurance Benefits selected by Customer:
2nd phase:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by MILVIK to a MILVIK agent. This confirmation serves as digital signature for the BIMA SEHAT Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.
7. Arbitration
All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.
8. Compliance with Policy Provisions
Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.
9. Insurance Benefits
The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder.
If an Insured is hospitalized due to any reason(with the exception of exclusions), on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the hospitalization of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording
Benefit:
The amount of benefit received by the Insured or the Beneficiary in the event of the hospitalization from the first night of hospitalization of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.
Terms and conditions of this cover are as follows:
The following actions shall be taken depending on the decision of renewal or non-renewal:
On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable.
On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month
The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
The Subscriber has the option to choose between four (4) cover levels, at four (4) corresponding End User Price points, as given below. Unlimited M health is included for all four (4) cover levels.
Monthly Price |
Method of Payment |
Maximum sum assured per night (max 30 nights per year) |
M-Health |
Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health) |
Rs. 44.84 |
Postpaid Bill |
Rs.1,000 |
Unlimited |
Unlimited |
Rs. 89.70 |
Postpaid Bill |
Rs.2,000 |
Unlimited |
Unlimited |
Rs. 224.23 |
Postpaid Bill |
Rs.5,000 |
Unlimited |
Unlimited |
Rs. 448.44 |
Postpaid Bill |
Rs.10,000 |
Unlimited |
Unlimited |
BIMA in collaboration with Jazz, brings an innovative Personal Accidental Insurance service through a mobile-based platform. Our offerings include flexible pricing plans and compelling product features designed specifically for Jazz customers.
Features/Benefits
How to subscribe:
Call 042-111-119-878 or SMS “BIMA Sehat” to 9878. You will receive a call from a MILVIK representative within 24–48 working hours from 042-33339878. There are no charges for sending an SMS to 9878.
Monthly Price | Daily Charges(PKR) | Method of Payment | Level of maximum insurance cover provided | Funeral Expense (PKR) | Hospitalization due to Accident (PKR) |
Rs.90 |
Rs.3 | Prepaid balance | PKR 280,000 | 50,000 | 750 |
Rs.150 | Rs.5 | Prepaid balance | PKR 560,000 | 100,000 | 1,500 |
Rs.315 | Rs.10.5 | Prepaid balance | PKR 1,560,000 | 225,000 | 3,500 |
Rs.570 | Rs.19 | Prepaid balance | PKR 3,125,000 | 450,000 | 7,500 |
Prepaid: The monthly price is charged in **installments over 30 days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms &
Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. A proportionately reduced amount of insurance benefit will be provided even after one day deduction.
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 042-111-119-878 no later than 270 days from the first night of hospitalization. A MILVIK representative will contact you with full information on how to process your claim.
The Insurance is underwritten by IGI General Insurance and delivered by MILVIK
BIMA Since 2010, has been revolutionizing lives in emerging markets with its innovative mobile-led insurance and health products. Serving over 7 million active customers across 6 countries in Asia and Africa, BIMA has established itself as a global leader in the industry.
BIMA Mobile Pakistan, established in 2015, partnered with Mobile Network Operators (MNOs) and insurance companies to provide digital healthcare and insurance services that are affordable and accessible to all the Pakistanis
MILVIK is proudly underwritten by IGI General Insurance IGI General Insurance offers first class security and service to the insuring public at an international standard.
Jazz Telecom, is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or MILVIK’s performance of its obligations.
BIMA PERSONAL ACCIDENT INSURANCE POLICY
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall sustain any Bodily Injury caused by Accident as defined herein, the Company will pay to the Insured Person or in the event of his death, to his Beneficiary, if surviving, otherwise to the estate of the Insured Person the Benefit stated in the Policy Schedule attached hereto.
DEFINITIONS
EXCLUSIONS
Payment of claims is subject to exclusions, as outlined below. The Personal Accident Insurance Cover shall not cover any Death or Permanent Disability which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
GENERAL PROVISIONS
1. Eligibility & Enrolment
Applicants are eligible to apply for an Accident Protection Plan under the Policy if Applicants meet ALL the criteria set out below:
(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accident Policy.
(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.
(4) If the Applicant wishes to apply for and subscribe to an Accident Protection Plan under this Insurance Policy, the Applicant will be required during the registration process to:
i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
iii. confirm the Accident Protection Plan that the Applicant wishes to apply for;
iv. Authorize Jazz to make 30 daily deductions each month from the prepaid account and bill the amount for postpaid
a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.
2. Mistake In Age
3. Intentional False Statements Of The Insured
4. Notice Of Claims
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
5. Termination Of Individual Insurance
The insurance of an Insured shall automatically terminate at the earliest time below:
6. Participation Requirement/Process
Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:
1st Phase:
Name of the Customer:
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:
Insurance Benefits selected by Customer:
2nd phase:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by BIMA to a BIMA agent. This confirmation serves as digital signature for the Personal Accident Insurance Cover. After receiving positive response, the customer shall be enrolled under the Personal Accident Policy.
7. Arbitration
All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.
8. Compliance with Policy Provisions
Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.
8. Insurance Benefits
The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident Policy as defined hereunder. If an Insured dies or is permanently disabled due to an Accident as defined herein, on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the Death or Permanent Disablement of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording, as full and final settlement of Death or Permanent Disablement Claim in respect of the deceased/disabled Insured.
Benefit:
The amount of benefit received by the Insured or the Beneficiary in the event of the accidental Death or Total and Permanent Disablement of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.
Terms and conditions of this cover are as follows:
In the event of partial pay-out following Permanent Disablement due to Accident, the Company shall permit renewal of the insurance offer on a case-by case basis, and inform the registered subscriber accordingly. The following actions shall be taken depending on the decision of renewal or non-renewal:
The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
Charges and BIMA Cover:
Monthly Price | Daily Charges(PKR) | Method of Payment | Level of maximum insurance cover provided | Funeral Expense (PKR) | Hospitalization due to Accident (PKR) |
Rs.90 |
Rs.3 |
Prepaid balance |
PKR 280,000 |
50,000 |
750 |
Rs.150 |
Rs.5 |
Prepaid balance |
PKR 560,000 |
100,000 |
1,500 |
Rs.315 |
Rs.10.5 |
Prepaid balance |
PKR 1,560,000 |
225,000 |
3,500 |
Rs.570 |
Rs.19 |
Prepaid balance |
PKR 3,125,000 |
450,000 |
7,500 |
Table of Insurance Benefit:
Death / Total bermanent Disablement | % of maximum insurance benefit paid |
Accidental death |
100% |
Amputation or Loss of use of two limbs |
100% |
Amputation or Loss of use of both hands, or of all fingers and both thumbs |
100% |
Total paralysis or Injuries resulting in being Permanently bedridden or Disablement |
100% |
Total insanity |
100% |
Total and irrevocable loss of all sight in both eyes |
100% |
PERMANENT PARTIAL DISABLEMENT | % of maximum insurance benefit paid |
Amputation or Loss of use of a limb |
50% |
Amputation or Loss of use of four fingers and thumb on one hand |
50% |
Total and irrevocable loss of all sight in one eye |
50% |
Total Loss of hearing or speech |
50% |
Burns – 3rd degree covering more than 9% of body |
50% |
PKR 280,000 Policy
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
90 |
280,000 |
87 |
270,667 |
84 |
261,333 |
81 |
252,000 |
78 |
242,667 |
75 |
233,333 |
72 |
224,000 |
69 |
214,667 |
66 |
205,333 |
63 |
196,000 |
60 |
186,667 |
57 |
177,333 |
54 |
168,000 |
51 |
158,667 |
48 |
149,333 |
45 |
140,000 |
42 |
130,667 |
39 |
121,333 |
36 |
112,000 |
33 |
102,667 |
30 |
93,333 |
27 |
84,000 |
24 |
74,667 |
21 |
65,333 |
18 |
56,000 |
15 |
46,667 |
12 |
37,333 |
9 |
28,000 |
6 |
18,667 |
3 |
9,333 |
0 |
Nil |
PKR 560,000 Policy
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
150 |
560,000 |
145 |
541,333 |
140 |
522,667 |
135 |
504,000 |
130 |
485,333 |
125 |
466,667 |
120 |
448,000 |
115 |
429,333 |
110 |
410,667 |
105 |
392,000 |
100 |
373,333 |
95 |
354,667 |
90 |
336,000 |
85 |
317,333 |
80 |
298,667 |
75 |
280,000 |
70 |
261,333 |
65 |
242,667 |
60 |
224,000 |
55 |
205,333 |
50 |
186,667 |
45 |
168,000 |
40 |
149,333 |
35 |
130,667 |
30 |
112,000 |
25 |
93,333 |
20 |
74,667 |
15 |
56,000 |
10 |
37,333 |
5 |
18,667 |
0 |
Nil |
PKR 1,560,000 Policy
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
315 |
1,560,000 |
304 |
1,508,000 |
294 |
1,456,000 |
283 |
1,404,000 |
273 |
1,352,000 |
262 |
1,300,000 |
252 |
1,248,000 |
241 |
1,196,000 |
231 |
1,144,000 |
220 |
1,092,000 |
210 |
1,040,000 |
199 |
988,000 |
189 |
936,000 |
178 |
884,000 |
168 |
832,000 |
157 |
780,000 |
147 |
728,000 |
136 |
676,000 |
126 |
624,000 |
115 |
572,000 |
105 |
520,000 |
94 |
468,000 |
84 |
416,000 |
73 |
364,000 |
63 |
312,000 |
52 |
260,000 |
42 |
208,000 |
31 |
156,000 |
21 |
104,000 |
10 |
52,000 |
0 |
Nil |
PKR 3,125,000 Policy
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
570 |
3,125,000 |
551 |
3,020,833 |
532 |
2,916,667 |
513 |
2,812,500 |
494 |
2,708,333 |
475 |
2,604,167 |
456 |
2,500,000 |
437 |
2,395,833 |
418 |
2,291,667 |
399 |
2,187,500 |
380 |
2,083,333 |
361 |
1,979,167 |
342 |
1,875,000 |
323 |
1,770,833 |
304 |
1,666,667 |
285 |
1,562,500 |
266 |
1,458,333 |
247 |
1,354,167 |
228 |
1,250,000 |
209 |
1,145,833 |
190 |
1,041,667 |
171 |
937,500 |
152 |
833,333 |
133 |
729,167 |
114 |
625,000 |
95 |
520,833 |
76 |
416,667 |
57 |
312,500 |
38 |
208,333 |
19 |
104,167 |
0 |
Nil |
Monthly Price |
Daily Charges(PKR) |
Method of Payment |
Level of maximum insurance cover provided |
Funeral Expense (PKR) |
Hosipatlization due to Accident (PKR) |
Rs.75.27 |
Rs.2.51 |
Prepaid balance |
PKR 225,000 |
40,000 |
600 |
Rs.120.05 |
Rs.4.00 |
Prepaid balance |
PKR 450,000 |
80,000 |
1,200 |
Rs.261.26 |
Rs.8.71 |
Prepaid balance |
PKR 1,250,000 |
180,000 |
3,000 |
Rs.475.01 |
Rs.15.83 |
Prepaid balance |
PKR 2,500,000 |
360,000 |
6,000 |
PKR 225,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
75.31 |
225,000 |
72.80 |
217500 |
70.29 |
210,000 |
67.78 |
202,500 |
65.27 |
195,000 |
62.76 |
187,500 |
60.25 |
180,000 |
57.74 |
172,500 |
55.23 |
165,000 |
52.72 |
157,500 |
50.21 |
150,000 |
47.70 |
142,500 |
45.19 |
135,000 |
42.68 |
127,500 |
40.17 |
120,000 |
37.66 |
112,500 |
35.14 |
105,000 |
32.63 |
97,500 |
30.12 |
90,000 |
27.61 |
82,500 |
25.10 |
75,000 |
22.59 |
67,500 |
20.08 |
60,000 |
17.57 |
52,500 |
15.06 |
45,000 |
12.55 |
37,500 |
10.04 |
30,000 |
7.53 |
22,500 |
5.02 |
15,000 |
2.51 |
7,500 |
0 |
Nil |
PKR 450,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
120.05 |
450,000 |
116.05 |
435,000 |
112.05 |
420,000 |
108.05 |
405,000 |
104.05 |
390,000 |
100.04 |
375,000 |
96.04 |
360,000 |
92.04 |
345,000 |
88.04 |
330,000 |
84.04 |
315,000 |
80.03 |
300,000 |
76.03 |
285,000 |
72.03 |
270,000 |
68.03 |
255,000 |
64.03 |
240,000 |
60.03 |
225,000 |
56.02 |
210,000 |
52.02 |
195,000 |
48.02 |
180,000 |
44.02 |
165,000 |
40.02 |
150,000 |
36.02 |
135,000 |
32.01 |
120,000 |
28.01 |
105,000 |
24.01 |
90,000 |
20.01 |
75,000 |
16.01 |
60,000 |
12.01 |
45,000 |
8.00 |
30,000 |
4.00 |
15,000 |
0 |
Nil |
PKR 1,250,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
216.26 |
1,250,000 |
252.55 |
1,208,333 |
243.84 |
1,166,667 |
235,13 |
1,125,000 |
226.43 |
1,083,333 |
217.72 |
1,041,677 |
209.01 |
1,000,000 |
200.30 |
958,333 |
191.59 |
916,667 |
182.88 |
875,000 |
174.17 |
833,333 |
165.46 |
791,667 |
156.76 |
750,000 |
148.05 |
708,333 |
139.34 |
666.667 |
130.63 |
625,000 |
121.92 |
583,333 |
113.21 |
541,667 |
104.50 |
500,000 |
95.80 |
458,333 |
87.09 |
416,667 |
78.38 |
375,000 |
69.67 |
333,333 |
60.96 |
291,776 |
52.25 |
250,000 |
43.54 |
208,333 |
34.83 |
166,667 |
26.13 |
125,000 |
17.42 |
83,333 |
8.71 |
41,667 |
0 |
Nil |
PKR 2,500,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
475.01 |
2,500,000 |
459.18 |
2,416,667 |
443.34 |
1,166,667 |
427.51 |
2,250,000 |
411.68 |
2,166,667 |
395.82 |
2.083,333 |
380.01 |
2,000,000 |
364.17 |
1,916,667 |
348.34 |
1,833,333 |
332.51 |
1,750,000 |
316.67 |
1,666,667 |
300.84 |
1,583,333 |
285.01 |
1,500,000 |
269.17 |
1,416,667 |
253.34 |
1,333,333 |
237.51 |
1,250,000 |
221.67 |
1,166,667 |
205.84 |
1,083,333 |
190.00 |
1,000,000 |
174.17 |
916,667 |
158.34 |
833,333 |
142.50 |
750,000 |
126.67 |
666,667 |
110.84 |
583,33 |
95.00 |
500,000 |
79.17 |
416,667 |
63.33 |
333,333 |
47.50 |
250,000 |
31.67 |
166,667 |
15.83 |
83,333 |
0 |
Nil |
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Postpaid customer will get the cover from 2nd day of the registration.
If the customer does not become Active in the billing cycle, BIMA will not provide insurance coverage to the customer.
Customer will be charged on prorate from the day service is subscribed till his bill date and customer will be charged in advance for every month.
For un- subscription from this service, customer will write “NO”, “Cancel” or “Unsub” in message and send it to 9878 OR customer can call on 042-111-119-878 anytime.
Customer will get cover according to prorated charges and cover will be provided accordingly.
Yes, he will be covered as we have not associated the collection of bills with the cover of customer.
Yes, customer will be charged and get cover.
Yes, if BIMA agent speaks to the original customer and the customer is willing to opt in.
For postpaid customers as we charge them in bill, so customer will be eligible to get cover even if he is out of country.
An unexpected misfortune may hit anyone at any time, secure your family’s future by getting BIMA plan today! BIMA is an Accidental Insurance Product aimed at providing you or your family with financial security. It’s Hassle Free & It’s Paper Free.
How to subscribe:
Call 042-111-119-878 and an agent will help you subscribe to the service OR SMS “BIMA” to
9878
and an agent will *call you to guide and help subscribe to the service.
*MILVIK agents will call you within 24 working hours. Also, there are no charges for
sending an
SMS to 9878
Plan | **Monthly Price | Maximum Cover/Benefit Provided |
Silver | Rs.49.67 | Rs.200,000 |
Gold | Rs.99.31 | Rs.400,000 |
Platinum | Rs.248.30 | Rs.1,000,000 |
Diamond | Rs.496.62 | Rs.2,000,000 |
Postpaid:
For post-paid accounts, successful withdrawal represents billing and payment of the entire monthly premium due. If payment is made, corresponding cover is issued for Rs.49.67, Rs.99.30, Rs.248.30, or Rs.496.62 Premium plans as stated above. Please note that customer will be charge on prorate basis at the time of subscription till the bill date and on the bill date and advance rental will be charged and customer will be entitled for the cover accordingly.
Postpaid:
Subscriber is eligible for the maximum corresponding cover level/ benefit the day after the confirmation of his service subscription.
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 042-111-119-878 within 270 days of the accident and a BIMA representative will contact you within 24 working hours with full information on how to process your claim.
The Insurance is underwritten by IGI General Insurance and delivered by BIMA.
BIMA Pakistan is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations in across Asia, Africa, Latin America, and the Caribbean. BIMA is proud to have paid over $8 million in claims. Bima is proudly underwritten by IGI General Insurance. IGI General Insurance offers first class security and service to the insuring public at an international standard. Jazz Telecom, is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or BIMA’s performance of its obligations.
BIMA PERSONAL ACCIDENT INSURANCE POLICY
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall sustain any Bodily Injury caused by Accident as defined herein, the Company will pay to the Insured Person or in the event of his death, to his Beneficiary, if surviving, otherwise to the estate of the Insured Person the Benefit stated in the Policy Schedule attached hereto.
DEFINITIONS
EXCLUSIONS
Payment of claims is subject to exclusions, as outlined below. The Personal Accident Insurance Cover shall not cover any Death or Permanent Disability which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
GENERAL PROVISIONS
1. Eligibility & Enrolment
Applicants are eligible to apply for an Accident Protection Plan under the Policy if Applicants meet ALL the criteria set out below:
(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accident Policy.
(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.
(4) If the Applicant wishes to apply for and subscribe to an Accident Protection Plan under this Insurance Policy, the Applicant will be required during the registration process to:
i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
iii. confirm the Accident Protection Plan that the Applicant wishes to apply for;
iv. Authorize Jazz to make 30 daily deductions each month from the prepaid account and bill the amount for postpaid
a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.
2. Mistake In Age
The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.
3. Intentional False Statements Of The Insured
In the event of any concealment or misrepresentation the Personal Accident Policy shall become null and void with respect to the relevant Insured.
4. Notice Of Claims
The Company shall be notified of the occurrence of Death of the Insured or the Permanent Disablement of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the date of Death or occurrence of Permanent Disablement after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.
(2) For each Claim reported, the Company shall obtain:
From the Claimant:
In case of Death:
A notice of death, which could be a legal death certificate, a certificate of attending physician, containing his registration number and mentioning actual cause of death, and proof of the personal identity of the Insured, which could be the official personal identity data.
In case of Permanent Disablement:
Medical report containing the degree of Disablement certified by the surgeon. In case of Permanent Disablement, unnatural or unusual death, Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
5. Termination Of Individual Insurance
The insurance of an Insured shall automatically terminate at the earliest time below:
6. Participation Requirement/Process
Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:
1st Phase:
Name of the Customer:
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:
Insurance Benefits selected by Customer:
2nd phase:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by BIMA to a BIMA agent. This confirmation serves as digital signature for the Personal Accident Insurance Cover. After receiving positive response, the customer shall be enrolled under the Personal Accident Policy.
7. Arbitration
All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.
8. Compliance with Policy Provisions
Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.
9. Insurance Benefits
The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident Policy as defined hereunder. If an Insured dies or is permanently disabled due to an Accident as defined herein, on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the Death or Permanent Disablement of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording, as full and final settlement of Death or Permanent Disablement Claim in respect of the deceased/disabled Insured.
Benefit:
The amount of benefit received by the Insured or the Beneficiary in the event of the accidental Death or Total and Permanent Disablement of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.
Terms and conditions of this cover are as follows:
In the event of partial pay-out following Permanent Disablement due to Accident, the Company shall.
permit renewal of the insurance offer on a case-by case basis, and inform the registered subscriber.
accordingly. The following actions shall be taken depending on the decision of renewal or non-renewal:
The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
Charges and BIMA Cover Postpaid:
Plan |
**Monthly Price |
Maximum Cover/Benefit provided |
Silver |
Rs.49.67 |
Rs.200,000 |
Gold |
Rs.99.31 |
Rs.400,000 |
Platinum |
Rs.248.30 |
Rs.1,000,000 |
Diamond |
Rs.496.62 |
Rs.2,000,000 |
Table of Insurance Benefit:
Death / Total Permanent Disablement |
% of maximum insurance benefit paid |
Accidental death |
100% |
Amputation or Loss of use of two limbs |
100% |
Amputation or Loss of use of both hands, or of all fingers and both thumbs |
100% |
Total paralysis or Injuries resulting in being Permanently bedridden or Disablement |
100% |
Total insanity |
100% |
Total and irrevocable loss of all sight in both eyes |
100% |
PARMANENT PARTIAL DISABLEMENT | % of maximum insurance benefit paid |
Amputation or Loss of use of a limb |
50% |
Amputation or Loss of use of four fingers and thumb on one hand |
50% |
Total and irrevocable loss of all sight in one eye |
50% |
Total Loss of hearing or speech |
50% |
Burns – 3rd degree covering more than 9% of body |
50% |
Monthly Price |
Daily |
Method of Payment |
Maximum sum assured per night (max 30 nights per year) |
M-Health |
Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health) |
Rs.75.27 |
Rs.2.51 |
Prepaid balance |
PKR 1,000 |
Unlimited |
NA |
Rs.120.10 |
Rs.4.00 |
Prepaid balance |
PKR 2,250 |
Unlimited |
NA |
Rs.235.90 |
Rs.7.86 |
Prepaid balance |
PKR 5,500 |
Unlimited |
Yes |
Rs.428.95 |
Rs.14.30 |
Prepaid balance |
PKR 12,000 |
Unlimited |
Yes |
PKR 1,000 Per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
75.27 |
1,000 |
72.76 |
967 |
70.25 |
933 |
67.74 |
900 |
65.23 |
867 |
62.72 |
833 |
60.22 |
800 |
57.71 |
767 |
55.20 |
733 |
52.69 |
700 |
50.18 |
667 |
47.66 |
633 |
45.16 |
600 |
42.65 |
567 |
40.41 |
533 |
37.64 |
500 |
35.13 |
500 |
32.62 |
500 |
30.11 |
500 |
27.60 |
500 |
25.09 |
500 |
22.58 |
500 |
20.07 |
500 |
17.56 |
500 |
15.05 |
500 |
12.55 |
500 |
10.04 |
500 |
7.53 |
500 |
5.02 |
500 |
2.51 |
500 |
0 |
Nil |
PKR 2,250 per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
120.10 |
2,250 |
116.10 |
2,175 |
112.09 |
2,100 |
108.09 |
2,025 |
104.09 |
1,950 |
100.08 |
1,875 |
96.08 |
1,800 |
92.08 |
1,725 |
88.07 |
1,650 |
84.07 |
1,575 |
80.07 |
1,500 |
76.06 |
1,425 |
72.06 |
1,350 |
68.06 |
1,275 |
64.05 |
1,200 |
60.05 |
1,125 |
56.05 |
1,050 |
52.04 |
975 |
48.04 |
900 |
44.04 |
825 |
40.03 |
750 |
36.03 |
675 |
32.03 |
600 |
28.02 |
525 |
24.02 |
500 |
20.02 |
500 |
16.01 |
500 |
12.01 |
500 |
8.01 |
500 |
4.00 |
500 |
0 |
Nil |
PKR 5,500 per night
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
235.90 |
5,500 |
228.04 |
5,316 |
220.17 |
5,134 |
212.31 |
4,950 |
204.45 |
4,766 |
196.58 |
4,584 |
188.72 |
4,400 |
180.86 |
4,216 |
172.99 |
4,034 |
165.13 |
3,850 |
157.27 |
3,666 |
149.40 |
3,484 |
141.45 |
3,300 |
133.68 |
3,116 |
125.81 |
2,934 |
117.95 |
2,750 |
110.09 |
2,566 |
102.22 |
2,384 |
94.36 |
2,201 |
86.50 |
2,018 |
78.63 |
1,835 |
70.77 |
1,652 |
62.91 |
1,469 |
55.04 |
1,286 |
47.18 |
1,103 |
39.32 |
920 |
31.45 |
737 |
23.59 |
554 |
15.73 |
500 |
7.86 |
500 |
0 |
Nil |
PKR 12,000
Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
428.95 |
12,000 |
414.65 |
11,600 |
400.35 |
11,200 |
386.06 |
10,800 |
371.76 |
10,400 |
357.46 |
10,000 |
343.16 |
9,600 |
328.86 |
9,200 |
314.56 |
8,800 |
300.27 |
8,400 |
285.97 |
8,000 |
271.67 |
7,600 |
257.37 |
7,200 |
243.07 |
6,800 |
228.77 |
6,400 |
214.48 |
6,000 |
200.18 |
5,600 |
185.88 |
5,200 |
171.58 |
4,800 |
157.28 |
4,400 |
142.98 |
4,000 |
128.69 |
3,600 |
114.39 |
3,200 |
100.09 |
2,800 |
85.79 |
2,400 |
71.49 |
2,000 |
57.19 |
1,600 |
42.90 |
1,200 |
28.60 |
800 |
14.30 |
500 |
0 |
Nil |
Monthly Price |
Daily Charges(PKR) |
Method of Payment |
Level of maximum insurance cover provided |
Funeral Expense (PKR) |
Hosipatlization due to Accident (PKR) |
Rs.75.27 |
Rs.2.51 |
Prepaid balance |
PKR 225,000 |
40,000 |
600 |
Rs.120.05 |
Rs.4.00 |
Prepaid balance |
PKR 450,000 |
80,000 |
1,200 |
Rs.261.26 |
Rs.8.71 |
Prepaid balance |
PKR 1,250,000 |
180,000 |
3,000 |
Rs.475.01 |
Rs.15.83 |
Prepaid balance |
PKR 2,500,000 |
360,000 |
6,000 |
PKR 225,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
75.31 |
225,000 |
72.80 |
217500 |
70.29 |
210,000 |
67.78 |
202,500 |
65.27 |
195,000 |
62.76 |
187,500 |
60.25 |
180,000 |
57.74 |
172,500 |
55.23 |
165,000 |
52.72 |
157,500 |
50.21 |
150,000 |
47.70 |
142,500 |
45.19 |
135,000 |
42.68 |
127,500 |
40.17 |
120,000 |
37.66 |
112,500 |
35.14 |
105,000 |
32.63 |
97,500 |
30.12 |
90,000 |
27.61 |
82,500 |
25.10 |
75,000 |
22.59 |
67,500 |
20.08 |
60,000 |
17.57 |
52,500 |
15.06 |
45,000 |
12.55 |
37,500 |
10.04 |
30,000 |
7.53 |
22,500 |
5.02 |
15,000 |
2.51 |
7,500 |
0 |
Nil |
PKR 450,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
120.05 |
450,000 |
116.05 |
435,000 |
112.05 |
420,000 |
108.05 |
405,000 |
104.05 |
390,000 |
100.04 |
375,000 |
96.04 |
360,000 |
92.04 |
345,000 |
88.04 |
330,000 |
84.04 |
315,000 |
80.03 |
300,000 |
76.03 |
285,000 |
72.03 |
270,000 |
68.03 |
255,000 |
64.03 |
240,000 |
60.03 |
225,000 |
56.02 |
210,000 |
52.02 |
195,000 |
48.02 |
180,000 |
44.02 |
165,000 |
40.02 |
150,000 |
36.02 |
135,000 |
32.01 |
120,000 |
28.01 |
105,000 |
24.01 |
90,000 |
20.01 |
75,000 |
16.01 |
60,000 |
12.01 |
45,000 |
8.00 |
30,000 |
4.00 |
15,000 |
7.86 |
500 |
0 |
Nil |
PKR 1,250,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
216.26 |
1,250,000 |
252.55 |
1,208,333 |
243.84 |
1,166,667 |
235,13 |
1,125,000 |
226.43 |
1,083,333 |
217.72 |
1,041,677 |
209.01 |
1,000,000 |
200.30 |
958,333 |
191.59 |
916,667 |
182.88 |
875,000 |
174.17 |
833,333 |
165.46 |
791,667 |
156.76 |
750,000 |
148.05 |
708,333 |
139.34 |
666.667 |
130.63 |
625,000 |
121.92 |
583,333 |
113.21 |
541,667 |
104.50 |
500,000 |
95.80 |
458,333 |
87.09 |
416,667 |
78.38 |
375,000 |
69.67 |
333,333 |
60.96 |
291,776 |
52.25 |
250,000 |
43.54 |
208,333 |
34.83 |
166,667 |
26.13 |
125,000 |
17.42 |
83,333 |
8.71 |
41,667 |
0 |
Nil |
PKR 2,500,000 Policy:
Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
475.01 |
2,500,000 |
459.18 |
2,416,667 |
443.34 |
1,166,667 |
427.51 |
2,250,000 |
411.68 |
2,166,667 |
395.82 |
2.083,333 |
380.01 |
2,000,000 |
364.17 |
1,916,667 |
348.34 |
1,833,333 |
332.51 |
1,750,000 |
316.67 |
1,666,667 |
300.84 |
1,583,333 |
285.01 |
1,500,000 |
269.17 |
1,416,667 |
253.34 |
1,333,333 |
237.51 |
1,250,000 |
221.67 |
1,166,667 |
205.84 |
1,083,333 |
190.00 |
1,000,000 |
174.17 |
916,667 |
158.34 |
833,333 |
142.50 |
750,000 |
126.67 |
666,667 |
110.84 |
583,33 |
95.00 |
500,000 |
79.17 |
416,667 |
63.33 |
333,333 |
47.50 |
250,000 |
31.67 |
166,667 |
15.83 |
83,333 |
0 |
Nil |
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Postpaid customer will get the cover from 2nd day of the registration. BIMA will pay the premium for the cover from the date of confirmation till the customer’s bill date out of goodwill.
If the customer does not become Active in the billing cycle, BIMA will not provide insurance coverage to the customer.
As soon as the customer is confirmed, the monthly amount will be deducted upfront and there won’t be daily deductions.
For un- subscription from this service, you have to write “NO”, “Cancel” or “Unsub” in message and send it to 9878 OR you can call on 042-111-119-878 anytime.
Jazz and EFU Life have partnered together to launch Hifazat Program. Through this program, Jazz subscribers can opt for Tahaffuz Plans which includes low-cost nano insurance products with unique benefits including income continuation, education continuation, accidental cover and coverage for major medical illnesses. In addition, the customer’s entire family can utilize virtual health care benefits. Virtual health care service is provided by EFU Life’s dedicated mHealth Platform called EFU mHealth where users have access to doctors, fitness videos and lifestyle content.
Hafiz Plan is a monthly protection bundle that is paid for by the Subscriber through daily deductions from his/her airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS to 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Tahaffuz Plan.
Plan |
**Daily |
Monthly |
Monthly Education Continuation Benefit for 12 months (PKR) |
Monthly Income Continuation Benefit for 12 months (PKR) |
ACCIDENTAL DEATH Sum Assured (PKR) |
EFU mHealth Subscription |
Silver |
3.15 |
94.5 |
2,000 |
10,000 |
250,000 |
Unlimited per month for family |
Gold |
4.4 |
132 |
3,000 |
15,000 |
350,000 |
Unlimited per month for family |
Platinum |
5.98 |
179.4 |
5,000 |
20,000 |
500,000 |
Unlimited per month for family |
Prepaid: The monthly price is charged in installments over 30 days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction
Postpaid Service will be launched for postpaid soon.
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
Hafiz Plan is underwritten and distributed by EFU Life
EFU Life is a leading life insurance company and is part of largest insurance group in Pakistan which provides insurance coverage to millions of Pakistanis.
Jazz Telecom is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to Hafiz Plan and EFU Life Insurance’s performance of its obligation.
1. DEFINITIONS
In these provisions:
HAAFIZ PLUS PLAN means a term assurance product which provides a guaranteed level of life insurance protection against death, accidental permanent total disability alongwith Telehealth Services.
ACCIDENT means accidental bodily injury which is caused solely by violent, external and accidental means resulting directly and independently of all other causes.
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
COMPANY means EFU Life Assurance Limited.
ELIGIBLE PERSON means customers of the Group Policy Holder, male or female Pakistani nationals, who is eligible for insurance cover under this policy in accordance with Clause 2 of these provisions and conditions.
COMMENCEMENT DATE means the date on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Member
GROUP POLICY HOLDER means Pakistan Mobile Communications Limited or Jazz.
ENROLLMENT DATE means the date on which the Member was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which an Insured Person was initially enrolled under this Policy.
MOBILE NETWORK OPERATOR means Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan and having its registered office at 1-A Kohistan Road, DHQ-1 F-8 Markaz, Islamabad, Pakistan.
MEMBER means an Eligible Person who is to be included in this policy after giving his valid documented or recorded consent to purchase this insurance and pay required premium amount.
NOMINEE means a person or persons appointed by the Member (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under the policy.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
RENEWAL means any subsequent monthiversary of the Commencement Date.
RENEWAL ENROLLMENT means Re-enrolment of the Member into this Policy upon payment of premium on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date or Renewal Date.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.
2. ELIGIBILITY
The eligible persons for this Policy are the present and future customers of the Group Policy Holder who are within the Eligibility Age range i.e. 18 to 66 years and have given their valid consent to opt for insurance cover under this policy. Any Member shall not be eligible for multiple enrollments at a single point in time
3. EFFECTIVE DATE OF INDIVIDUAL ASSURANCE
Member will become eligible from 1st day of next calendar month following the date on which the premium is paid after acceptance of the application by the Member
4. EVIDENCE OF AGE
Evidence of age of a Member satisfactory to the Company will be required before any benefit in respect of him/her is paid under this Policy and if after commencement of the insurance cover hereunder the date of birth of any Member is found to have been incorrectly notified to the Company, the Company shall notify the Group Policyholder of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Member is found to be more than maximum eligibility age of 66 years.
5. AMOUNT & CALCULATION OF PREMIUM
Premiums under this Policy are payable by the Group Policy Holder at such office/ offices of the Company as the Company may designate in writing to the Group Policy Holder from time to time. The Company may authorize the Corporate Insurance Agent to collect premium from the Group Policy Holder on its behalf. Such authorization will be in writing and provided to the Group Policy Holder.
Premiums are due by the 1st of each calendar month for all such eligible Members, who are to be covered as per the terms and conditions of the Policy. At the time of initial enrollment of the Member and at each subsequent Renewal Enrollment, the Group Policy Holder will calculate the monthly premium as per the following table:
Plan Category |
Monthly Premium (PKR) |
Daily Premium (PKR) |
Silver |
94.5 |
3.15 |
Gold |
132 |
4.4 |
Platinum |
179.4 |
5.98 |
The coverage will start from the 1st day of the next month. Where full premium for an insured Member is not paid any benefit amount will be adjusted on Pro rata basis as per the variant wise table below.
Silver
Amount of End User Price paid in calendar |
Education Continuation Benefit |
Income Continuation Benefit |
Accidental Death Benefit |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
3.15 |
66.67 |
333.33 |
8,333.33 |
Unlimited per month for family |
6.3 |
133.33 |
666.67 |
16,666.67 |
Unlimited per month for family |
9.45 |
200 |
1,000.00 |
25,000.00 |
Unlimited per month for family |
12.6 |
266.67 |
1,333.33 |
33,333.33 |
Unlimited per month for family |
15.75 |
333.33 |
1,666.67 |
41,666.67 |
Unlimited per month for family |
18.9 |
400 |
2,000.00 |
50,000.00 |
Unlimited per month for family |
22.05 |
466.67 |
2,333.33 |
58,333.33 |
Unlimited per month for family |
25.2 |
533.33 |
2,666.67 |
66,666.67 |
Unlimited per month for family |
28.35 |
600 |
3,000.00 |
75,000.00 |
Unlimited per month for family |
31.5 |
666.67 |
3,333.33 |
83,333.33 |
Unlimited per month for family |
34.65 |
733.33 |
3,666.67 |
91,666.67 |
Unlimited per month for family |
37.8 |
800 |
4,000.00 |
100,000.00 |
Unlimited per month for family |
40.95 |
866.67 |
4,333.33 |
108,333.33 |
Unlimited per month for family |
44.1 |
933.33 |
4,666.67 |
116,666.67 |
Unlimited per month for family |
47.25 |
1,000.00 |
5,000.00 |
125,000.00 |
Unlimited per month for family |
50.4 |
1,066.67 |
5,333.33 |
133,333.33 |
Unlimited per month for family |
53.55 |
1,133.33 |
5,666.67 |
141,666.67 |
Unlimited per month for family |
56.7 |
1,200.00 |
6,000.00 |
150,000.00 |
Unlimited per month for family |
59.85 |
1,266.67 |
6,333.33 |
158,333.33 |
Unlimited per month for family |
63 |
1,333.33 |
6,666.67 |
166,666.67 |
Unlimited per month for family |
66.15 |
1,400.00 |
7,000.00 |
175,000.00 |
Unlimited per month for family |
69.3 |
1,466.67 |
7,333.33 |
183,333.33 |
Unlimited per month for family |
72.45 |
1,533.33 |
7,666.67 |
191,666.67 |
Unlimited per month for family |
75.6 |
1,600.00 |
8,000.00 |
200,000.00 |
Unlimited per month for family |
78.75 |
1,666.67 |
8,333.33 |
208,333.33 |
Unlimited per month for family |
81.9 |
1,733.33 |
8,666.67 |
216,666.67 |
Unlimited per month for family |
85.05 |
1,800.00 |
9,000.00 |
225,000.00 |
Unlimited per month for family |
88.2 |
1,866.67 |
9,333.33 |
233,333.33 |
Unlimited per month for family |
91.35 |
1,933.33 |
9,666.67 |
241,666.67 |
Unlimited per month for family |
94.5 |
2,000.00 |
10,000.00 |
250,000.00 |
Unlimited per month for family |
Gold Plan
Amount of End User Price paid in calendar month (PKR) |
Education Continuation Benefit(12 Months) |
Income Continuation Benefit (12 Months) |
Accidental Death Benefit (Lump sum) |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
4.4 |
100 |
500 |
11,666.67 |
Unlimited per month for family |
8.8 |
200 |
1,000.00 |
23,333.33 |
Unlimited per month for family |
13.2 |
300 |
1,500.00 |
35,000.00 |
Unlimited per month for family |
17.6 |
400 |
2,000.00 |
46,666.67 |
Unlimited per month for family |
22 |
500 |
2,500.00 |
58,333.33 |
Unlimited per month for family |
26.4 |
600 |
3,000.00 |
70,000.00 |
Unlimited per month for family |
30.8 |
700 |
3,500.00 |
81,666.67 |
Unlimited per month for family |
35.2 |
800 |
4,000.00 |
93,333.33 |
Unlimited per month for family |
39.6 |
900 |
4,500.00 |
105,000.00 |
Unlimited per month for family |
44 |
1,000.00 |
5,000.00 |
116,666.67 |
Unlimited per month for family |
48.4 |
1,100.00 |
5,500.00 |
128,333.33 |
Unlimited per month for family |
52.8 |
1,200.00 |
6,000.00 |
140,000.00 |
Unlimited per month for family |
57.2 |
1,300.00 |
6,500.00 |
151,666.67 |
Unlimited per month for family |
61.6 |
1,400.00 |
7,000.00 |
163,333.33 |
Unlimited per month for family |
66 |
1,500.00 |
7,500.00 |
175,000.00 |
Unlimited per month for family |
70.4 |
1,600.00 |
8,000.00 |
186,666.67 |
Unlimited per month for family |
74.8 |
1,700.00 |
8,500.00 |
198,333.33 |
Unlimited per month for family |
79.2 |
1,800.00 |
9,000.00 |
210,000.00 |
Unlimited per month for family |
83.6 |
1,900.00 |
9,500.00 |
221,666.67 |
Unlimited per month for family |
88 |
2,000.00 |
10,000.00 |
233,333.33 |
Unlimited per month for family |
92.4 |
2,100.00 |
10,500.00 |
245,000.00 |
Unlimited per month for family |
96.8 |
2,200.00 |
11,000.00 |
256,666.67 |
Unlimited per month for family |
101.2 |
2,300.00 |
11,500.00 |
268,333.33 |
Unlimited per month for family |
105.6 |
2,400.00 |
12,000.00 |
280,000.00 |
Unlimited per month for family |
110 |
2,500.00 |
12,500.00 |
291,666.67 |
Unlimited per month for family |
114.4 |
2,600.00 |
13,000.00 |
303,333.33 |
Unlimited per month for family |
118.8 |
2,700.00 |
13,500.00 |
315,000.00 |
Unlimited per month for family |
123.2 |
2,800.00 |
14,000.00 |
326,666.67 |
Unlimited per month for family |
127.6 |
2,900.00 |
14,500.00 |
338,333.33 |
Unlimited per month for family |
132 |
3,000.00 |
15,000.00 |
350,000.00 |
Unlimited per month for family |
Platinum Plan
Amount of End User Price paid in calendar month (PKR) |
Education Continuation Benefit (12 Months) |
Income Continuation Benefit (12 Months) |
Accidental Death Benefit (Lump sum) |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
5.98 |
166.67 |
666.67 |
16,666.67 |
Unlimited per month for family |
11.96 |
333.33 |
1,333.33 |
33,333.33 |
Unlimited per month for family |
17.94 |
500 |
2,000.00 |
50,000.00 |
Unlimited per month for family |
23.92 |
666.67 |
2,666.67 |
66,666.67 |
Unlimited per month for family |
29.9 |
833.33 |
3,333.33 |
83,333.33 |
Unlimited per month for family |
35.88 |
1,000.00 |
4,000.00 |
100,000.00 |
Unlimited per month for family |
41.86 |
1,166.67 |
4,666.67 |
116,666.67 |
Unlimited per month for family |
47.84 |
1,333.33 |
5,333.33 |
133,333.33 |
Unlimited per month for family |
53.82 |
1,500.00 |
6,000.00 |
150,000.00 |
Unlimited per month for family |
59.8 |
1,666.67 |
6,666.67 |
166,666.67 |
Unlimited per month for family |
65.78 |
1,833.33 |
7,333.33 |
183,333.33 |
Unlimited per month for family |
71.76 |
2,000.00 |
8,000.00 |
200,000.00 |
Unlimited per month for family |
77.74 |
2,166.67 |
8,666.67 |
216,666.67 |
Unlimited per month for family |
83.72 |
2,333.33 |
9,333.33 |
233,333.33 |
Unlimited per month for family |
89.7 |
2,500.00 |
10,000.00 |
250,000.00 |
Unlimited per month for family |
95.68 |
2,666.67 |
10,666.67 |
266,666.67 |
Unlimited per month for family |
101.66 |
2,833.33 |
11,333.33 |
283,333.33 |
Unlimited per month for family |
107.64 |
3,000.00 |
12,000.00 |
300,000.00 |
Unlimited per month for family |
113.62 |
3,166.67 |
12,666.67 |
316,666.67 |
Unlimited per month for family |
119.6 |
3,333.33 |
13,333.33 |
333,333.33 |
Unlimited per month for family |
125.58 |
3,500.00 |
14,000.00 |
350,000.00 |
Unlimited per month for family |
131.56 |
3,666.67 |
14,666.67 |
366,666.67 |
Unlimited per month for family |
137.54 |
3,833.33 |
15,333.33 |
383,333.33 |
Unlimited per month for family |
143.52 |
4,000.00 |
16,000.00 |
400,000.00 |
Unlimited per month for family |
149.5 |
4,166.67 |
16,666.67 |
416,666.67 |
Unlimited per month for family |
155.48 |
4,333.33 |
17,333.33 |
433,333.33 |
Unlimited per month for family |
161.46 |
4,500.00 |
18,000.00 |
450,000.00 |
Unlimited per month for family |
167.44 |
4,666.67 |
18,666.67 |
466,666.67 |
Unlimited per month for family |
173.42 |
4,833.33 |
19,333.33 |
483,333.33 |
Unlimited per month for family |
179.4 |
5,000.00 |
20,000.00 |
500,000.00 |
Unlimited per month for family |
6. BENEFITS
Upon receipt of due proof in writing that the Member has, whilst the Policy is in full force and effect, suffered any of the event(s) set out below, the Company, subject to the exclusions set out below and the terms and conditions contained herein, shall pay the following Benefits.
DEATH BENEFIT:On death of the Member, whilst the Policy is in full force and effect, the amount of benefit payable shall be determined according to the Plan Category chosen by the Member from the table given hereunder:
Plan Category |
Monthly Education Continuation Benefit for 12 months (PKR) |
Monthly Income Continuation Benefit for 12 months (PKR) |
Silver |
2,000 |
10,000 |
Gold |
3,000 |
15,000 |
Platinum |
5,000 |
20,000 |
ADDITIONAL ACCIDENTAL DEATH BENEFIT:If the Member dies as a result of injuries caused solely by violent, external and accidental means and there is evidence of a visible contusion or wound on exterior of the body except in the case of drowning or of an internal injury revealed by an autopsy, and that such death occurred within 90 days of the accident solely as a result of the same injury and not as an indirect result of any fit, physical defect, illness or disorder, the Company, upon receipt of and due investigation of the claim, will pay an amount shown in the Table of Death Risk below, in addition to any benefits under the Policy.
TABLE OF ACCIDENTAL DEATH RISK
Plan Category |
Sum Assured (PKR) |
Silver |
250,000 |
Gold |
350,000 |
Platinum |
500,000 |
ACCIDENTAL PERMANENT TOTAL DISABILITY BENEFIT:If the Member whilst the Policy is in full force has sustained injuries caused solely by violent external and accidental means and within 90 days of the accident suffers the losses set out in the Table of Benefits of Accidental Disability solely as a result of the same injuries, the Company, upon receipt of and due investigation of the claim, will pay an amount depending on the type of loss as provided in the Table of benefits of Accidental Disability below.
Permanent Total Disability due to Accident |
||
S. No. |
Description of Injuries |
Percentage of Sum Covered |
1. |
Loss of both hands or amputation at higher sites |
100% |
2. |
Loss of hand and a foot |
100% |
3. |
Double amputation through leg or thigh; or amputation through leg or thigh on one side and loss of other foot |
100% |
4. |
Loss of sight to such an extent as to render the claimant unable to perform any work for which eye-sight is essentia |
100% |
5. |
Absolute deafness |
100% |
7. CESSATION OF MEMBERSHIP
Insurance Cover shall cease on any of the following:
8. EXCLUSIONS
No benefit will be paid if the death or disability of the Member results directly, wholly or partly, as a result of or related to:
ASSIGNMENT
The insurance cover provided for under this Policy and the benefits payable hereunder are not assignable.
10. CLAIMS
In case of any claim under the benefit(s) covered against in this policy, the same shall be notified to the Company. The Member or the Nominee at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Member or the Nominee
Written notice of claim must be presented to and received at the Main Office of the Company within three hundred and sixty five (365) days after the date of event giving rise to the claim. Otherwise the claim shall be invalid.
Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with astandard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents
The insurance cover effected hereunder shall carry no paid-up or surrender value.
Claim will be processed by the Company following the submission of the claim documents to the Company or an entity authorized by the Company.
11. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be affected by the payment of the required premium when due.
12. CHANGE OF OWNERSHIP
If the business of the Group Policy Holder is transferred to or succeeded by any person or corporation then, subject to the consent of the Company, the payment of premium under this Policy may at the option of such person or corporation be continued in which case such person or corporation shall as from the date of such transfer or succession take the place of and be treated for all purposes of this Policy as being the Group Policy Holder hereof.
13. TERMINATION OF THIS POLICY
The Company reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of Group Policy Holder and Company assumed at any time prior to the effective date of termination. Further, the Company reserves the right to give the Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
14. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
15. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 this policy and any additional benefits shall be referable to the Conventional Business Statutory Fund of the Company. The Company may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
DISCLAIMER/ TERMS OF USE of EFU mHealth Services:
TERMS OF USE
Services Provided:
Use of Telemedicine Services is NOT FOR EMERGENCIES:
EFU mHealth services are primary care services and will only be used for non-emergency conditions.
Privacy:
EFU mHealth is HIPAA compliant and maintains privacy as per the standards of Health Insurance Portability and Accountability Act.
Limitations
These services are limited to the consultation where physical examination through touching can be bypassed (in case of non-emergency conditions)
Complaints and Disputes:
Complaints and disputes can be highlighted via UAN number (042 111 333 033) or contacting via email address [email protected] turnaround time would be 48 working hours.
Requirements:
Apart from registration and mobile application, the user would require.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
For Tahaffuz Plan subscribers of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (65) can avail of Tahaffuz plan upon payment of the applicable subscription fee. The registration under Tahaffuz plan will expire when a subscriber reaches the age of sixty-six (66) years.
No, you can only avail for one variant at a time i.e., either silver or gold or platinum
Benefits |
Silver |
Gold |
Platinum |
Education Continuation Benefit (12 Months) |
2,000 |
3,000 |
5,000 |
Income Continuation Benefit (12 Months) |
10,000 |
15,000 |
20,000 |
Accidental Death Benefit (Lump sum) |
250,000 |
350,000 |
500,000 |
**EFU mHealth Subscription |
Unlimited per month for family |
Yes you can enroll for one variant on each of both the plans.
For Education Continuation Plan, Income Continuation Plan & Personal Accident Plan, no benefit will be payable in case of:
Other conditions:
How to claim?
In case the beneficiary wants to intimate a claim, you or any of your family members can notify us through one of these methods:
For Education and Income Continuation:
In case of Disability claim:
In case of Death claim:
For Personal Accident:
Jazz and EFU Life have partnered together to launch Hifazat Program. Through this program, Jazz subscribers can opt for Muqammal Tahaffuz Plan which includes low-cost nano insurance products with unique benefits including income continuation, education continuation, accidental cover and coverage for major medical illnesses. In addition, the customer’s entire family can utilize virtual health care benefits. Virtual health care service is provided by EFU Life’s dedicated mHealth Platform called EFU mHealth where users have access to doctors, fitness videos and lifestyle content.
Hafiz Plus Plan which is a monthly protection bundle that is paid for by the Subscriber through daily deductions from his/her airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS to 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Muqammal Tahaffuz Plan.
Plan |
**Daily |
Monthly |
Monthly Education Continuation Benefit for 12 months (PKR) |
Monthly Income Continuation Benefit for 12 months (PKR) |
ACCIDENTAL DEATH Sum Assured (PKR) |
MAJOR MEDICAL ILLNESS |
EFU mHealth Subscription |
Silver |
4.4 |
132 |
2,000 |
10,000 |
250,000 |
25,000 |
Unlimited per month for family |
Gold |
6.2 |
186 |
3,000 |
15,000 |
350,000 |
35,000 |
Unlimited per month for family |
Platinum |
8.8 |
264 |
5,000 |
20,000 |
500,000 |
50,000 |
Unlimited per month for family |
Prepaid: The monthly price is charged in installments over 30 days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction.
Postpaid: Service will be launched for postpaid soon.
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
Hafiz Plus Plan is underwritten and distributed by EFU Life.
EFU Life is a leading life insurance company and is part of largest insurance group in Pakistan which provides insurance coverage to millions of Pakistanis.
Jazz Telecom is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to Hafiz Plan and EFU Life Insurance’s performance of its obligation.
DEFINITIONS
In these provisions:
MUQAMMAL TAHAFFUZ PLANmeans a term assurance product which provides a guaranteed level of life insurance protection against death, accidental permanent total disability or major medical illness treatment.
ACCIDENT means accidental bodily injury which is caused solely by violent, external and accidental means resulting directly and independently of all other causes
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
COMPANY means EFU Life Assurance Limited.
ELIGIBLE PERSON means customers of the Group Policy Holder, male or female Pakistani nationals, who is eligible for insurance cover under this policy in accordance with Clause 2 of these provisions and conditions.
COMMENCEMENT DATE means the date on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Member.
GROUP POLICY HOLDER means Pakistan Mobile Communications Limited or Jazz.
ENROLLMENT DATE means the date on which the Member was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which an Insured Person was initially enrolled under this Policy.
MAJOR MEDICAL ILLNESS CONDITIONS was initially enrolled under this Policy.
MOBILE NETWORK OPERATOR means Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan and having its registered office at 1-A Kohistan Road, DHQ-1 F-8 Markaz, Islamabad, Pakistan.
MEMBER means an Eligible Person who is to be included in this policy after giving his valid documented or recorded consent to purchase this insurance and pay required premium amount.
NOMINEE means a person or persons appointed by the Member (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under the policy.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
RENEWAL DATE means any subsequent monthiversary of the Commencement Date
RENEWAL ENROLLMENT means Re-enrolment of the Member into this Policy upon payment of premium on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date or Renewal Date.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.
2. ELIGIBILITY
The eligible persons for this Policy are the present and future customers of the Group Policy Holder who are within the Eligibility Age range i.e. 18 to 51 years and have given their valid consent to opt for insurance cover under this policy. Any Member shall not be eligible for multiple enrollments at a single point in time.
3. EFFECTIVE DATE OF INDIVIDUAL ASSURANCE
Member will become eligible from 1st day of next calendar month following the date on which the premium is paid after acceptance of the application by the Member.
4. EVIDENCE OF AGE
Evidence of age of a Member satisfactory to the Company will be required before any benefit in respect of him/her is paid under this Policy and if after commencement of the insurance cover hereunder the date of birth of any Member is found to have been incorrectly notified to the Company, the Company shall notify the Group Policyholder of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Member is found to be more than maximum eligibility age of 51 years
5. AMOUNT & CALCULATION OF PREMIUM
Premiums under this Policy are payable by the Group Policy Holder at such office/ offices of the Company as the Company may designate in writing to the Group Policy Holder from time to time. The Company may authorize the Insurance Broker to collect premium from the Group Policy Holder on its behalf. Such authorization will be in writing and provided to the Group Policy Holder.
Premiums are due by the 1st of each calendar month for all such eligible Members, who are to be covered as per the terms and conditions of the Policy. At the time of initial enrollment of the Member and at each subsequent Renewal Enrollment, the Group Policy Holder will calculate the monthly premium as per the following table:
Plan Category |
Monthly Premium (PKR) |
Daily Premium (PKR) |
Silver |
132 |
4.4 |
Gold |
186 |
6.2 |
Platinum |
264 |
8.8 |
The coverage will start from the 1st day of the next month. Where full premium for an insured Member is not paid the Benefit amount will be adjusted on Pro rata basis as per below variant table:
Silver Plan:
Amount of End User Price Paid in calendar month |
Education Continuation Benefit (12 Months) |
Income Continuation Benefit (12 Months) |
Accidental Death Benefit (Lump sum) |
Major Medical Illness |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
4.4 |
66.67 |
333.33 |
8,333.33 |
833.33 |
Unlimited per month for family |
8.8 |
133.33 |
666.67 |
16,666.67 |
1,666.67 |
Unlimited per month for family |
13.2 |
200 |
1,000.00 |
25,000.00 |
2,500.00 |
Unlimited per month for family |
17.6 |
266.67 |
1,333.33 |
33,333.33 |
3,333.33 |
Unlimited per month for family |
22 |
333.33 |
1,666.67 |
41,666.67 |
4,166.67 |
Unlimited per month for family |
26.4 |
400 |
2,000.00 |
50,000.00 |
5,000.00 |
Unlimited per month for family |
30.8 |
466.67 |
2,333.33 |
58,333.33 |
5,833.33 |
Unlimited per month for family |
35.2 |
533.33 |
2,666.67 |
66,666.67 |
6,666.67 |
Unlimited per month for family |
39.6 |
600 |
3,000.00 |
75,000.00 |
7,500.00 |
Unlimited per month for family |
44 |
666.67 |
3,333.33 |
83,333.33 |
8,333.33 |
Unlimited per month for family |
48.4 |
733.33 |
3,666.67 |
91,666.67 |
9,166.67 |
Unlimited per month for family |
52.8 |
800 |
4,000.00 |
100,000.00 |
10,000.00 |
Unlimited per month for family |
57.2 |
866.67 |
4,333.33 |
108,333.33 |
10,833.33 |
Unlimited per month for family |
61.6 |
933.33 |
4,666.67 |
116,666.67 |
11,666.67 |
Unlimited per month for family |
66 |
1,000.00 |
5,000.00 |
125,000.00 |
12,500.00 |
Unlimited per month for family |
70.4 |
1,066.67 |
5,333.33 |
133,333.33 |
13,333.33 |
Unlimited per month for family |
74.8 |
1,133.33 |
5,666.67 |
141,666.67 |
14,166.67 |
Unlimited per month for family |
79.2 |
1,200.00 |
6,000.00 |
150,000.00 |
15,000.00 |
Unlimited per month for family |
83.6 |
1,266.67 |
6,333.33 |
158,333.33 |
15,833.33 |
Unlimited per month for family |
88 |
1,333.33 |
6,666.67 |
166,666.67 |
16,666.67 |
Unlimited per month for family |
92.4 |
1,400.00 |
7,000.00 |
175,000.00 |
17,500.00 |
Unlimited per month for family |
96.8 |
1,466.67 |
7,333.33 |
183,333.33 |
18,333.33 |
Unlimited per month for family |
101.2 |
1,533.33 |
7,666.67 |
191,666.67 |
19,166.67 |
Unlimited per month for family |
105.6 |
1,600.00 |
8,000.00 |
200,000.00 |
20,000.00 |
Unlimited per month for family |
110 |
1,666.67 |
8,333.33 |
208,333.33 |
20,833.33 |
Unlimited per month for family |
114.4 |
1,733.33 |
8,666.67 |
216,666.67 |
21,666.67 |
Unlimited per month for family |
118.8 |
1,800.00 |
9,000.00 |
225,000.00 |
22,500.00 |
Unlimited per month for family |
123.2 |
1,866.67 |
9,333.33 |
233,333.33 |
23,333.33 |
Unlimited per month for family |
127.6 |
1,933.33 |
9,666.67 |
241,666.67 |
24,166.67 |
Unlimited per month for family |
132 |
2,000.00 |
10,000.00 |
250,000.00 |
25,000.00 |
Unlimited per month for family |
Gold Plan
Amount of End User Price Paid in calendar month |
Education Continuation Benefit (12 Months) |
Income Continuation Benefit (12 Months) |
Accidental Death Benefit (Lump sum) |
Major Medical Illness |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
6.2 |
100 |
500 |
11,666.67 |
1,166.67 |
Unlimited per month for family |
12.4 |
200 |
1,000.00 |
23,333.33 |
2,333.33 |
Unlimited per month for family |
18.6 |
300 |
1,500.00 |
35,000.00 |
3,500.00 |
Unlimited per month for family |
24.8 |
400 |
2,000.00 |
46,666.67 |
4,666.67 |
Unlimited per month for family |
31 |
500 |
2,500.00 |
58,333.33 |
5,833.33 |
Unlimited per month for family |
37.2 |
600 |
3,000.00 |
70,000.00 |
7,000.00 |
Unlimited per month for family |
43.4 |
700 |
3,500.00 |
81,666.67 |
8,166.67 |
Unlimited per month for family |
49.6 |
800 |
4,000.00 |
93,333.33 |
9,333.33 |
Unlimited per month for family |
55.8 |
900 |
4,500.00 |
105,000.00 |
10,500.00 |
Unlimited per month for family |
62 |
1,000.00 |
5,000.00 |
116,666.67 |
11,666.67 |
Unlimited per month for family |
68.2 |
1,100.00 |
5,500.00 |
128,333.33 |
12,833.33 |
Unlimited per month for family |
74.4 |
1,200.00 |
6,000.00 |
140,000.00 |
14,000.00 |
Unlimited per month for family |
80.6 |
1,300.00 |
6,500.00 |
151,666.67 |
15,166.67 |
Unlimited per month for family |
86.8 |
1,400.00 |
7,000.00 |
163,333.33 |
16,333.33 |
Unlimited per month for family |
93 |
1,500.00 |
7,500.00 |
175,000.00 |
17,500.00 |
Unlimited per month for family |
99.2 |
1,600.00 |
8,000.00 |
186,666.67 |
18,666.67 |
Unlimited per month for family |
105.4 |
1,700.00 |
8,500.00 |
198,333.33 |
19,833.33 |
Unlimited per month for family |
111.6 |
1,800.00 |
9,000.00 |
210,000.00 |
21,000.00 |
Unlimited per month for family |
117.8 |
1,900.00 |
9,500.00 |
221,666.67 |
22,166.67 |
Unlimited per month for family |
124 |
2,000.00 |
10,000.00 |
233,333.33 |
23,333.33 |
Unlimited per month for family |
130.2 |
2,100.00 |
10,500.00 |
245,000.00 |
24,500.00 |
Unlimited per month for family |
136.4 |
2,200.00 |
11,000.00 |
256,666.67 |
25,666.67 |
Unlimited per month for family |
142.6 |
2,300.00 |
11,500.00 |
268,333.33 |
26,833.33 |
Unlimited per month for family |
148.8 |
2,400.00 |
12,000.00 |
280,000.00 |
28,000.00 |
Unlimited per month for family |
155 |
2,500.00 |
12,500.00 |
291,666.67 |
29,166.67 |
Unlimited per month for family |
161.2 |
2,600.00 |
13,000.00 |
303,333.33 |
30,333.33 |
Unlimited per month for family |
167.4 |
2,700.00 |
13,500.00 |
315,000.00 |
31,500.00 |
Unlimited per month for family |
173.6 |
2,800.00 |
14,000.00 |
326,666.67 |
32,666.67 |
Unlimited per month for family |
179.8 |
2,900.00 |
14,500.00 |
338,333.33 |
33,833.33 |
Unlimited per month for family |
186 |
3,000.00 |
15,000.00 |
350,000.00 |
35,000.00 |
Unlimited per month for family |
Platinum Plan
Amount of End User Price paid in calendar month (PKR) |
Education Continuation Benefit (12 Months) |
Income Continuation Benefit (12 Months) |
Accidental Death Benefit (Lump sum) |
Major Medical Illness |
EFU mHealth Subscription |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
8.8 |
166.67 |
666.67 |
16,666.67 |
1,666.67 |
Unlimited per month for family |
17.6 |
333.33 |
1,333.33 |
33,333.33 |
3,333.33 |
Unlimited per month for family |
26.4 |
500 |
2,000.00 |
50,000.00 |
5,000.00 |
Unlimited per month for family |
35.2 |
666.67 |
2,666.67 |
66,666.67 |
6,666.67 |
Unlimited per month for family |
44 |
833.33 |
3,333.33 |
83,333.33 |
8,333.33 |
Unlimited per month for family |
52.8 |
1,000.00 |
4,000.00 |
100,000.00 |
10,000.00 |
Unlimited per month for family |
61.6 |
1,166.67 |
4,666.67 |
116,666.67 |
11,666.67 |
Unlimited per month for family |
70.4 |
1,333.33 |
5,333.33 |
133,333.33 |
13,333.33 |
Unlimited per month for family |
79.2 |
1,500.00 |
6,000.00 |
150,000.00 |
15,000.00 |
Unlimited per month for family |
88 |
1,666.67 |
6,666.67 |
166,666.67 |
16,666.67 |
Unlimited per month for family |
96.8 |
1,833.33 |
7,333.33 |
183,333.33 |
18,333.33 |
Unlimited per month for family |
105.6 |
2,000.00 |
8,000.00 |
200,000.00 |
20,000.00 |
Unlimited per month for family |
114.4 |
2,166.67 |
8,666.67 |
216,666.67 |
21,666.67 |
Unlimited per month for family |
123.2 |
2,333.33 |
9,333.33 |
233,333.33 |
23,333.33 |
Unlimited per month for family |
132 |
2,500.00 |
10,000.00 |
250,000.00 |
25,000.00 |
Unlimited per month for family |
140.8 |
2,666.67 |
10,666.67 |
266,666.67 |
26,666.67 |
Unlimited per month for family |
149.6 |
2,833.33 |
11,333.33 |
283,333.33 |
28,333.33 |
Unlimited per month for family |
158.4 |
3,000.00 |
12,000.00 |
300,000.00 |
30,000.00 |
Unlimited per month for family |
167.2 |
3,166.67 |
12,666.67 |
316,666.67 |
31,666.67 |
Unlimited per month for family |
176 |
3,333.33 |
13,333.33 |
333,333.33 |
33,333.33 |
Unlimited per month for family |
184.8 |
3,500.00 |
14,000.00 |
350,000.00 |
35,000.00 |
Unlimited per month for family |
193.6 |
3,666.67 |
14,666.67 |
366,666.67 |
36,666.67 |
Unlimited per month for family |
202.4 |
3,833.33 |
15,333.33 |
383,333.33 |
38,333.33 |
Unlimited per month for family |
211.2 |
4,000.00 |
16,000.00 |
400,000.00 |
40,000.00 |
Unlimited per month for family |
220 |
4,166.67 |
16,666.67 |
416,666.67 |
41,666.67 |
Unlimited per month for family |
228.8 |
4,333.33 |
17,333.33 |
433,333.33 |
43,333.33 |
Unlimited per month for family |
237.6 |
4,500.00 |
18,000.00 |
450,000.00 |
45,000.00 |
Unlimited per month for family |
246.4 |
4,666.67 |
18,666.67 |
466,666.67 |
46,666.67 |
Unlimited per month for family |
255.2 |
4,833.33 |
19,333.33 |
483,333.33 |
48,333.33 |
Unlimited per month for family |
264 |
5,000.00 |
20,000.00 |
500,000.00 |
50,000.00 |
Unlimited per month for family |
6. BENEFITS
Upon receipt of due proof in writing that the Member has, whilst the Policy is in full force and effect, suffered any of the event(s) set out below, the Company, subject to the exclusions set out below and the terms and conditions contained herein, shall pay the following Benefits.
DEATH BENEFIT:
On death of the Member, whilst the Policy is in full force and effect, the amount of benefit payable shall be determined according to the Plan Category chosen by the Member from the table given hereunder:
Plan Category |
Monthly Education Continuation Benefit for 12 months (PKR) |
Monthly Income Continuation Benefit for 12 months (PKR) |
Silver |
2,000 |
10,000 |
Gold |
3,000 |
15,000 |
Platinum |
5,000 |
20,000 |
ADDITIONAL ACCIDENTAL DEATH BENEFIT:
If the Member dies as a result of injuries caused solely by violent, external and accidental means and there is evidence of a visible contusion or wound on exterior of the body except in the case of drowning or of an internal injury revealed by an autopsy, and that such death occurred within 90 days of the accident solely as a result of the same injury and not as an indirect result of any fit, physical defect, illness or disorder, the Company, upon receipt of and due investigation of the claim, will pay an amount shown in the Table of Death Risk below, in addition to any benefits under the Policy.
TABLE OF ACCIDENTAL DEATH RISK
Plan Category |
Sum Assured (PKR) |
Silver |
250,000 |
Gold |
350,000 |
Platinum |
500,000 |
ACCIDENTAL PERMANENT TOTAL DISABILITY BENEFIT:
f the Member whilst the Policy is in full force has sustained injuries caused solely by violent external and accidental means and within 90 days of the accident suffers the losses set out in the Table of Benefits of Accidental Disability solely as a result of the same injuries, the Company, upon receipt of and due investigation of the claim, will pay an amount depending on the type of loss as provided in the Table of benefits of Accidental Disability below
Permanent Total Disability due to Accident |
||
S. No. |
Description of Injuries |
Percentage of Sum Covered |
1. |
Loss of both hands or amputation at higher sites |
100% |
2. |
Loss of hand and a foot |
100% |
3. |
Double amputation through leg or thigh; or amputation through leg or |
100% |
4. |
Loss of sight to such an extent as to render the claimant unable
to |
100% |
5. |
Absolute deafness |
100% |
MAJOR MEDICAL ILLNESS REIMBURSEMENT BENEFIT:
If the Member is diagnosed with any of the critical illnesses defined in this Policy under this benefit and has incurred medical expenses on account of treatment of the same illness, the Company, upon receipt of and due investigation of the claim, will pay an actual reimbursement amount up to the limit assigned as per the selected category to Member in addition to any benefit under the policy.
Plan Category |
Maximum Reimbursement Amount Limit (PKR) |
Silver |
25,000 |
Gold |
35,000 |
Platinum |
50,000 |
There will only be one treatment allowed on the life of a Member in his lifetime.
The coverage will start from the 1st day of the next month. Where full premium for an insured Member is not paid any benefit amount will be adjusted on Pro rata basis as per above variant wise tables.
7. CESSATION OF MEMBERSHIP
Insurance Cover shall cease on any of the following:
8. EXCLUSIONS
No benefit will be paid if the death or disability of the Member results directly, wholly or partly, as a result of or related to:
No benefit will be paid if the illness of the Member results directly, wholly or partly, as a result of or related to:
9. ASSIGNMENT
The insurance cover provided for under this Policy and the benefits payable hereunder are not assignable.
10. CLAIMS
In case of any claim under the benefit(s) covered against in this policy, the same shall be notified to the Company. The Member or the Nominee at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Member or the Nominee.
ritten notice of claim must be presented to and received at the Main Office of the Company within three-hundred and sixty five days (365) days after the date of event giving rise to the claim. Otherwise the claim shall be invalid.
Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with standard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents
The insurance cover effected hereunder shall carry no paid-up or surrender value
Claim will be processed by the Company following the submission of the claim documents to the Company or an entity authorized by the Company.
11. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be effected by the payment of the required premium when due.
12. CHANGE OF OWNERSHIP
If the business of the Group Policy Holder is transferred to or succeeded by any person or corporation then, subject to the consent of the Company, the payment of premium under this Policy may at the option of such person or corporation be continued in which case such person or corporation shall as from the date of such transfer or succession take the place of and be treated for all purposes of this Policy as being the Group Policy Holder hereof.
13. TERMINATION OF THIS POLICY
The Company reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of Group Policy Holder and Company assumed at any time prior to the effective date of termination. Further, the Company reserves the right to give the Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
14. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
15. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 this policy and any additional benefits shall be referable to the Conventional Business Statutory Fund of the Company. The Company may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
DISCLAIMER/ TERMS OF USE of Telemedicine Services:
TERMS OF USE
1. Services Provided:
2. Use of EFU mHealth Services is NOT FOR EMERGENCIES:
EFU mHealth services are primary care services and will only be used for non-emergency conditions.
3. Privacy:
EFU mHealth is HIPAA compliant and maintains privacy as per the standards of Health Insurance Portability and Accountability Act
8. Limitations:
These services are limited to the consultation where physical examination through touching can be bypassed (in case of non-emergency conditions)
9. Complaints and Disputes:
Complaints and disputes can be highlighted via UAN number (042 111 333 033) or contacting via email address [email protected] turnaround time would be 48 working hours.
10. Requirements
Apart from registration and mobile application, user would require.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
For Muqammal Tahaffuz Plan subscribers of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under fifty-one years (51) can avail of Muqammal Tahaffuz plan upon payment of the applicable subscription fee. The registration under Muqammal Tahaffuz plan will expire when a subscriber reaches the age of fifty-one (51) years.
No, you can only avail for one variant at a time i.e., either silver or gold or platinum.
Muqammal Tahaffuz Plan
Benefits |
Silver |
Gold |
Platinum |
Education Continuation Benefit (12 Months) |
2,000 |
3,000 |
5,000 |
Income Continuation Benefit (12 Months) |
10,000 |
15,000 |
20,000 |
Accidental Death Benefit (Lump sum) |
250,000 |
350,000 |
500,000 |
*Major Medical illness |
25,000 |
35,000 |
50,000 |
**EFU mHealth Subscription | Unlimited per month for family |
Yes you can enroll for one variant each of both the plans.
For Education Continuation Plan, Income Continuation Plan & Personal Accident Plan, no benefit will be payable in case of:
For Major Medical Illness Reimbursement benefit, no benefit will be payable in case of:
Other conditions:
In case the beneficiary wants to intimate a claim, you or any of your family members can notify us through one of these methods:
1- SMS ‘Claim’ at 4141
3- Call the following number : 042-111-333-033
4- Send an email at [email protected]
For Education and Income Continuation:
In case of Disability claim:
In case of Death claim:
For Personal Accident:
For Major Medical Illness:
Jazz and EFU Life collaborated to launch an exclusive Takaful Product Suite. Within this collaboration, Jazz customers are now offered the opportunity to choose the Shariah-compliant Takaful plan.
The plan provided takaful coverage in the unfortunate event of the covered member’s or their spouse’s demise, easing the financial shock one goes through in such times. Additionally, the plan provides coverage for critical illnesses related to women's health. (Breast, Uterus, Cervix, Uteri, Ovary, Fallopian Tube, Vagina, Vulva, Severe Osteoporosis and Rheumatoid Arthritis).
This plan is a monthly protection bundle that is paid for by the Customer through daily contribution deductions from their airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Takaful Plan.
Plan |
Term Takaful (Covered Member & Spouse) |
Critical illness (Covered Member only) |
Daily |
A |
100,000 |
50,000 |
3.5 |
B |
200,000 |
100,000 |
7 |
C |
300,000 |
150,000 |
11 |
D |
400,000 |
200,000 |
14 |
Prepaid: The monthly price is charged in installments over 30 days
Prepaid subscribers are eligible for coverage even if they are unable to pay the entire monthly price. For details, please refer to the Terms & Conditions
The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. A proportionately reduced amount of Takaful benefit will be provided even after on day deduction.
Postpaid: The service will be launched for postpaid soon.
Daily contributions for Prepaid customers only.
EUC = End User Contribution
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
GROUP FAMILY TAKAFUL SCHEME
Participant's Membership Document(PMD)
GENERAL PROVISIONS
Preamble:
This is to acknowledge that the applicant (hereinafter called the Participant), having submitted the Application Form along with the associated documents and undertaking to pay the Takaful Contribution, as more fully described in the Participant's Specific Schedule (hereinafter referred to asthe "PSS") attached hereto:
i. is accepted, as per the PSS as a member of the Group Family Participants Takaful Fund (hereinafter referred to as the GFPTF) operated by EFU Life Assurance Ltd. (hereinafter referred to as the Window Takaful Operator) under EFU Family Takaful Waqf Fund (hereinafter referred to asthe Waqf Fund).
ii. Being a member of the GFPTF, the Participant is acknowledged as a beneficiary of the benefits declared by the GFPTF from time to time under this PMD; in accordance with the Waqf Deed and the Participant Takaful Fund (PTF) Policies. The PTF Rules are available at the Head Office of the Window Takaful Operator.
iii. Subject to the Participant continuing as a member of the GFPTF and complying with its undertaking and the declarations made in the Application Form, the Participant may be paid by the GFPTF as one of its beneficiaries against the Takaful Benefits, in the manner and to the extent asstated hereunder.
iv. No payment in respect of any Contribution shall be deemed to be payment to the Window Takaful Operator unless a printed form of receipt for the same, signed by an official of the Takaful Operator, shall have been given to the Participant.
v. Notwithstanding anything above, cover under this PMD shall not commence until the Contribution, as stated in the PSS hereof, has been paid or guaranteed to be paid in the manner as stated in the PSS or as expressly agreed and stated therein.
Therefore, this PMD witnessed that this Membership shall at all times and under all circumstances be subject to the Conditions and Stipulations printed hereon, which Conditions and Stipulations constitute the basis of this Membership, and are to be considered as incorporated in and forming part of this PMD
Term Takaful Plan is underwritten and distributed by EFU Life - WTO. Jazz is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the plan and EFU Life-WTO’s performance of its obligation.
1. DEFINITIONS
In these provisions:
CANCER TAKAFUL PLAN: means a product that provides a guaranteed level of life takaful protection a in case the Participant is diagnosed with cancer.
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
BENEFIT(s): means the benefits provided under this Policy as per Benefit Contracts are specified as under:
1. Family Takaful Coverage in case of Cancer
NOMINEE: means a person or persons appointed by the Participant (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under this Policy in the event of his death.
COMPANY means EFU Life Assurance Limited.
COMMENCEMENT DATE means the date on which the Contribution is paid after acceptance of the application for group family takaful.
CONTRIBUTORY TAKAFUL means Takaful coverage for which the Participant contributes
ELIGIBLE PERSON means Jazz customer who is eligible for takaful cover under this policy by Clause 4 of these Terms and Conditions.
EFFECTIVE DATE & TIME OF THE POLICY means the date and time on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Participant.
ENROLLMENT DATE means the date on which the Participant was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which the Participant initially enrolled under this Policy.
GROUP FAMILY PARTICIPANTS TAKAFUL FUND means the collective fund hereinafter referred as GFPTF under the Window Takaful Operator Waqf Fund into which all Group Family Takaful Contributions for Takaful Death Benefits as well as Takaful Additional Benefits (if any) are pooled. The benefits of GFPTF belong to the Participants with certain conditions for their mutual help and GFPTF is managed by the Window Takaful Operator as Wakeel under the Islamic Concept of Wakalah.
GROUP POLICYHOLDER: means Pakistan Mobile Communications Limited or Jazz.
PARTICIPANT means an Eligible Person who is to be included in this policy after giving his valid consent and paying the required takaful contribution amount.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
PRE-EXISTING CONDITIONS for the purposes of this Policy means any injury, illness, condition or symptom: for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Commencement Date of the Policy for Member, or which originated or was known by the Member to exist prior to the Commencement Date of this Policy, whether or not treatment, or medication, or advice or diagnosis was sought or received.
RENEWAL DATE means any subsequent month anniversary of the Commencement Date.
RENEWAL ENROLLMENT means Re-enrolment of the Participant into this Policy upon payment of contribution on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date.
TAKAFUL CONTRIBUTION means periodic contributions paid into the Group Family Participants Takaful Fund for Takaful Death Benefit as well as Takaful Supplementary Benefits (if any).
WAQF DEED means the Deed of Waqf Settlement establishing the irrevocable Waqf Fund called EFU Family Takaful Waqf Fund.
WAQF RULES means the Rules made under Waqf Deed related to the GFPTF. The Waqf Deed and the Waqf Rules shall collectively be called, in this document, as Waqf Rules. The Waqf Rules are available at the Head Office of the Window Takaful Operator.
WINDOW TAKAFUL OPERATOR’S FEES means the fees required to cover expenses of underwriting, administration and general management of the GFPTF.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.
2. MASTER CONTRACT
This document, the Takaful Supplementary Benefit document(s), the Application Form (including the Proposal Form), the PSS and any endorsements and documents that evidence the basis for, and any future changes in, the aforesaid document(s) executed between the Participant and the Window Takaful Operator, together constitute the Contract. All statements and declarations made by the Participant or Bank shall in the absence of fraud, be deemed representations and not warranties and no such statement shall void the Policy or be issued in defense of a claim hereunder unless it is contained in the Proposal and Declaration thereof.
No one except an Authorized Signatory is authorized to extend the time for Contribution payment, to waive any lapse or forfeiture, to waive any of the Window Takaful Operator's rights or requirements or to bind the Window Takaful Operator by making any promise or by accepting any representation or information not contained in the Proposal and Declaration for this Policy. The Window Takaful Operator shall not be bound by any promise or representation heretofore or hereafter given by any person other than the authorized representative and such approval be endorsed hereon.
3. AMENDMENT OF THIS POLICY
This Policy may be amended or changed at any time, without the consent of the Participants covered hereunder, on written request made by the Bank and agreement by the Company. Unless otherwise agreed, any amendment or change to this Policy shall be binding on all Participants whether covered under this Policy prior to or on or after the date such amendment or change becomes effective.
4. ELIGIBILITY
The Eligible Person for this Policy are the present and future customers of the Jazz who are within the Eligibility Age range i.e. 18 to 60 years and who have given their valid consent to opt for family takaful coverage under this Policy. Any Member shall not be eligible for multiple enrollments at a single point in time.
5. EFFECTIVE DATE OF INDIVIDUAL FAMILY TAKAFUL COVERAGE
Customer will become eligible from the date on which the takaful contribution is paid for this takaful coverage.
6. EVIDENCE OF AGE
Evidence of age of a Participant satisfactory to the Window Takaful Operator will be required before any benefit in respect of him is paid under this Policy and if after commencement of the Family Takaful Benefit hereunder the date of birth of any Participant is found to have been incorrectly notified to the Window Takaful Operator, the Window Takaful Operator shall notify the Participant and/or Bank of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Participant is found to be more 60 years.
7. AMOUNT AND CALCULATION OF CONTRIBUTION
Takaful Contribution shall be payable in respect of each Participant as follows; the contribution amount excludes telco taxes.
Plan |
Daily Contribution (PKR) |
A |
3 |
B |
5.5 |
C |
7.8 |
D |
10.2 |
The coverage will start from the 1st day of next month. Where full Contribution for a Covered Member is not paid any benefit amount will be adjusted on Pro-rata basis as per the variant wise table below.
PLAN A:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
3.00 |
3,333 |
6.00 |
6,667 |
9.00 |
10,000 |
12.00 |
13,333 |
15.00 |
16,667 |
18.00 |
20,000 |
21.00 |
23,333 |
24.00 |
26,667 |
27.00 |
30,000 |
30.00 |
33,333 |
33.00 |
36,667 |
36.00 |
40,000 |
39.00 |
43,333 |
42.00 |
46,667 |
45.00 |
50,000 |
48.00 |
53,333 |
51.00 |
56,667 |
54.00 |
60,000 |
57.00 |
63,333 |
60.00 |
66,667 |
63.00 |
70,000 |
66.00 |
73,333 |
69.00 |
76,667 |
72.00 |
80,000 |
75.00 |
83,333 |
78.00 |
86,667 |
81.00 |
90,000 |
84.00 |
93,333 |
87.00 |
96,667 |
90.00 |
100,000 |
PLAN B:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
5.50 |
6,667 |
11.00 |
13,333 |
16.50 |
20,000 |
22.00 |
26,667 |
27.50 |
33,333 |
33.00 |
40,000 |
38.50 |
46,667 |
44.00 |
53,333 |
49.50 |
60,000 |
55.00 |
66,667 |
60.50 |
73,333 |
66.00 |
80,000 |
71.50 |
86,667 |
77.00 |
93,333 |
82.50 |
100,000 |
88.00 |
106,667 |
93.50 |
113,333 |
99.00 |
120,000 |
104.50 |
126,667 |
110.00 |
133,333 |
115.50 |
140,000 |
121.00 |
146,667 |
126.50 |
153,333 |
132.00 |
160,000 |
137.50 |
166,667 |
143.00 |
173,333 |
148.50 |
180,000 |
154.00 |
186,667 |
159.50 |
193,333 |
165.00 |
200,000 |
PLAN C:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
7.80 |
10,000 |
15.60 |
20,000 |
23.40 |
30,000 |
31.20 |
40,000 |
39.00 |
50,000 |
46.80 |
60,000 |
54.60 |
70,000 |
62.40 |
80,000 |
70.20 |
90,000 |
78.00 |
100,000 |
85.80 |
110,000 |
93.60 |
120,000 |
101.40 |
130,000 |
109.20 |
140,000 |
117.00 |
150,000 |
124.80 |
160,000 |
132.60 |
170,000 |
140.40 |
180,000 |
148.20 |
190,000 |
156.00 |
200,000 |
163.80 |
210,000 |
171.60 |
220,000 |
179.40 |
230,000 |
187.20 |
240,000 |
195.00 |
250,000 |
202.80 |
260,000 |
210.60 |
270,000 |
218.40 |
280,000 |
226.20 |
290,000 |
234.00 |
300,000 |
PLAN D:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
10.20 |
13,333 |
20.40 |
26,667 |
30.60 |
40,000 |
40.80 |
53,333 |
51.00 |
66,667 |
61.20 |
80,000 |
71.40 |
93,333 |
81.60 |
106,667 |
91.80 |
120,000 |
102.00 |
133,333 |
112.20 |
146,667 |
122.40 |
160,000 |
132.60 |
173,333 |
142.80 |
186,667 |
153.00 |
200,000 |
163.20 |
213,333 |
173.40 |
226,667 |
183.60 |
240,000 |
193.80 |
253,333 |
204.00 |
266,667 |
214.20 |
280,000 |
224.40 |
293,333 |
234.60 |
306,667 |
244.80 |
320,000 |
255.00 |
333,333 |
265.20 |
346,667 |
275.40 |
360,000 |
285.60 |
373,333 |
295.80 |
386,667 |
306.00 |
400,000 |
The Window Takaful Operator may however, by giving written notice to and taking consent of the Participant, modify rates for future Policy Period as it thinks fit.
The Window Takaful Operator reserves the right to charge any extra Contribution in respect of any Member who engages in hazardous activities. The Takaful Contributions would be deposited into a pool called the GFPTF Window Takaful Operator’s Fee: The Window Takaful Operator’s fee would be taken out by the Window Takaful. Operator from the GFPTF to cover its expenses in underwriting, administering, and general management of the GFPTF.
8. BENEFITS
Death Benefit: In case of death of the covered Participant or his spouse whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Benefit Amount (PKR) |
A |
100,000 |
B |
200,000 |
C |
300,000 |
D |
400,000 |
Critical illness Benefit
In case of critical illnesses related to women's health. (Breast, Uterus, Cervix, Uteri, Ovary, Fallopian Tube, Vagina, Vulva, Severe Osteoporosis and Rheumatoid Arthritis). Participant whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Benefit Amount (PKR) |
A |
50,000 |
B |
100,000 |
C |
150,000 |
D |
200,000 |
9. CESSATION OF MEMBERSHIP
Family Takaful Cover shall cease for the Participant on event of any of the following:
10. EXCLUSIONS
No benefit will be paid if the death or injury of the Member results directly, wholly or partly, as a result of or related
11. ASSIGNMENT
The Family Takaful Cover provided for under this Policy and the benefits payable hereunder are not assignable.
12. CLAIMS
In case of death of the Member, the same shall be notified to the Window Takaful Operator. The Nominee, at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Nominee, all claims will require evidence of claim and proof of age of the Member.
Written notice of claim must be presented to and received at the Main Office of the Window Takaful Operator within ninety (90) days after the date of event. Otherwise, the claim shall be invalid.
The Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with standard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents.
The Takaful coverage affected hereunder shall carry no paid-up /value.
Claim will be processed by the Window Takaful Operator following the submission of the Claim documents to the Window Takaful Operator or an entity authorized by the Window Takaful Operator, by the Participant.
Upon satisfaction, the GFPTF managed by the Window Takaful Operator shall pay the claim amount to the Nominee.
13. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be affected by the payment of the required contribution when due.
14. TERMINATION OF THIS POLICY
The Window Takaful Operator reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of the group policy holder and Window Takaful Operator assumed at any time prior to the effective date of termination. Further, the Window Takaful Operator reserves the right to give Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
a) No individual enrollment shall be entertained under this Policy after the time of termination.
15. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
16. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 and Takaful Rules 2012 this policy and any additional benefits shall be referable to the Family Takaful Protection Business Statutory Fund of the Window Takaful Operator. The Window Takaful Operator may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Customer of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (59) can avail of Women Takaful plan upon payment of the applicable subscription fee. The registration under the Women Takaful plan will expire when a subscriber reaches the age of sixty-six (60) years.
No, you can only avail one plan variant of plan at a time.
Haafiz Plus Plan
Plan |
Term Takaful (Covered Member & Spouse) |
Critical illness (Covered Member only) |
A |
100,000 |
50,000 |
B |
200,000 |
100,000 |
C |
300,000 |
150,000 |
D |
400,000 |
200,000 |
Other conditions:
The plan provided takaful coverage in the unfortunate event of the covered member’s or their spouse’s demise, easing the financial shock one goes through in such times. Additionally, the plan provides includes coverage for critical illnesses related to women's health. (Breast, Uterus, Cervix, Uteri, Ovary, Fallopian Tube, Vagina, Vulva, Severe Osteoporosis and Rheumatoid Arthritis).
In case the Participant or Nominee wants to intimate a claim, you or any of your family members can notify us through one of these methods:
1- SMS ‘Claim’ at 4141
2- Call EFU Helpline help line 021-111-338-111 or the following number: 042-111-333-033
3- Send an email at [email protected]
Jazz and EFU Life joined forces to introduce an exclusive Takaful Product Suite. Within this collaboration, Jazz customers are now offered the opportunity to choose the Shariah-compliant Term Takaful plan. This plan not only serves as an affordable protection product but also ensures monetary compensation in the unfortunate event of the policyholder's demise. In such cases, a lump sum amount is provided to alleviate the financial burdens faced by the customer's family, offering a comprehensive solution during challenging times.
This plan is a monthly protection bundle that is paid for by the Customer through daily contribution deductions from their airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS to 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Takaful Plan.
Plan |
Term Takaful |
Daily |
A |
100,000 |
2.4 |
B |
200,000 |
4.8 |
C |
300,000 |
7 |
D |
400,000 |
9.5 |
Prepaid: The monthly price is charged in installments over 30 days
**Prepaid subscribers are eligible for coverage even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. A proportionately reduced amount of Takaful benefit will be provided even after on day deduction.
Postpaid: The service will be launched for postpaid soon.
Daily contributions for Prepaid customers only.
EUC = End User Contribution
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
GROUP FAMILY TAKAFUL SCHEME
Participant's Membership Document(PMD)
GENERAL PROVISIONS
Preamble:
This is to acknowledge that the applicant (hereinafter called the Participant), having submitted the Application Form along with the associated documents and undertaking to pay the Takaful Contribution, as more fully described in the Participant's Specific Schedule (hereinafter referred to asthe "PSS") attached hereto:
i. is accepted, as per the PSS as a member of the Group Family Participants Takaful Fund (hereinafter referred to as the GFPTF) operated by EFU Life Assurance Ltd. (hereinafter referred to as the Window Takaful Operator) under EFU Family Takaful Waqf Fund (hereinafter referred to asthe Waqf Fund).
ii. Being a member of the GFPTF, the Participant is acknowledged as a beneficiary of the benefits declared by the GFPTF from time to time under this PMD; in accordance with the Waqf Deed and the Participant Takaful Fund (PTF) Policies. The PTF Rules are available at the Head Office of the Window Takaful Operator.
iii. Subject to the Participant continuing as a member of the GFPTF and complying with its undertaking and the declarations made in the Application Form, the Participant may be paid by the GFPTF as one of its beneficiaries against the Takaful Benefits, in the manner and to the extent asstated hereunder.
iv. No payment in respect of any Contribution shall be deemed to be payment to the Window Takaful Operator unless a printed form of receipt for the same, signed by an official of the Takaful Operator, shall have been given to the Participant.
v. Notwithstanding anything above, cover under this PMD shall not commence until the Contribution, as stated in the PSS hereof, has been paid or guaranteed to be paid in the manner as stated in the PSS or as expressly agreed and stated therein.
Therefore, this PMD witnessed that this Membership shall at all times and under all circumstances be subject to the Conditions and Stipulations printed hereon, which Conditions and Stipulations constitute the basis of this Membership, and are to be considered as incorporated in and forming part of this PMD
Term Takaful Plan is underwritten and distributed by EFU Life - WTO. Jazz is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the plan and EFU Life-WTO’s performance of its obligation.
1. DEFINITIONS
In these provisions:
TERM TAKAFUL PLAN: : means a product that provides a guaranteed level of life takaful protection against death, of the Participant.
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
BENEFIT(s): means the benefits provided under this Policy as per Benefit Contracts are specified as under:
1. Family Takaful Coverage in case of Death
NOMINEE: means a person or persons appointed by the Participant (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under this Policy in the event of his death.
COMPANY means EFU Life Assurance Limited.
COMMENCEMENT DATE means the date on which the Contribution is paid after acceptance of the application for group family takaful.
CONTRIBUTORY TAKAFUL means Takaful coverage for which the Participant contributes toward.
ELIGIBLE PERSON means Jazz customer who is eligible for takaful cover under this policy by Clause 4 of these Terms and Conditions.
EFFECTIVE DATE & TIME OF THE POLICY means the date and time on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Participant.
ENROLLMENT DATE means the date on which the Participant was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which Participant initially enrolled under this Policy.
GROUP FAMILY PARTICIPANTS TAKAFUL FUND means the collective fund hereinafter referred as GFPTF under the Window Takaful Operator Waqf Fund into which all Group Family Takaful Contributions for Takaful Death Benefits as well as Takaful Additional Benefits (if any) are pooled. The benefits of GFPTF belong to the Participants with certain conditions for their mutual help and GFPTF is managed by the Window Takaful Operator as Wakeel under the Islamic Concept of Wakalah.
GROUP POLICY HOLDER: means means Pakistan Mobile Communications Limited or Jazz.
PARTICIPANT means an Eligible Person who is to be included in this policy after giving his valid consent and paying the required takaful contribution amount.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
PRE-EXISTING CONDITIONS for the purposes of this Policy means any injury, illness, condition or symptom: for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Commencement Date of the Policy for Member, or which originated or was known by the Member to exist prior to the Commencement Date of this Policy, whether or not treatment, or medication, or advice or diagnosis was sought or received.
RENEWAL DATE means any subsequent month anniversary of the Commencement Date.
RENEWAL ENROLLMENT means Re-enrolment of the Participant into this Policy upon payment of contribution on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date.
TAKAFUL CONTRIBUTION means periodic contributions paid into the Group Family Participants Takaful Fund for Takaful Death Benefit as well as Takaful Supplementary Benefits (if any).
WAQF DEED means the Deed of Waqf Settlement establishing the irrevocable Waqf Fund called EFU Family Takaful Waqf Fund.
WAQF RULES means the Rules made under Waqf Deed related to the GFPTF. The Waqf Deed and the Waqf Rules shall collectively be called, in this document, as Waqf Rules. The Waqf Rules are available at the Head Office of the Window Takaful Operator.
WINDOW TAKAFUL OPERATOR’S FEES means the fees required to cover expenses of underwriting, administration and general management of the GFPTF.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires
2. MASTER CONTRACT
This document, the Takaful Supplementary Benefit document(s), the Application Form (including the Proposal Form), the PSS and any endorsements and documents that evidence the basis for, and any future changes in, the aforesaid document(s) executed between the Participant and the Window Takaful Operator, together constitute the Contract. All statements and declarations made by the Participant or Bank shall in the absence of fraud, be deemed representations and not warranties and no such statement shall void the Policy or be issued in defense of a claim hereunder unless it is contained in the Proposal and Declaration thereof.
No one except an Authorized Signatory is authorized to extend the time for Contribution payment, to waive any lapse or forfeiture, to waive any of the Window Takaful Operator's rights or requirements or to bind the Window Takaful Operator by making any promise or by accepting any representation or information not contained in the Proposal and Declaration for this Policy. The Window Takaful Operator shall not be bound by any promise or representation heretofore or hereafter given by any person other than the authorized representative and such approval be endorsed hereon.
3. AMENDMENT OF THIS POLICY
This Policy may be amended or changed at any time, without the consent of the Participants covered hereunder, on written request made by the Bank and agreement by the Company. Unless otherwise agreed, any amendment or change to this Policy shall be binding on all Participants whether covered under this Policy prior to or on or after the date such amendment or change becomes effective.
4. ELIGIBILITY
The Eligible Person for this Policy are the present and future customers of the Jazz who are within the Eligibility Age range i.e. 18 to 66 years and who have given their valid consent to opt for family takaful coverage under this Policy. Any Member shall not be eligible for multiple enrollments at a single point in time.
5. EFFECTIVE DATE OF INDIVIDUAL FAMILY TAKAFUL COVERAGE
Customers will become eligible from the date on which the takaful contribution is paid for this takaful coverage.
6. EVIDENCE OF AGE
Evidence of age of a Participant satisfactory to the Window Takaful Operator will be required before any benefit in respect of him is paid under this Policy and if after commencement of the Family Takaful Benefit hereunder the date of birth of any Participant is found to have been incorrectly notified to the Window Takaful Operator, the Window Takaful Operator shall notify the Participant and/or Bank of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Participant is found to be more 66 years.
7. AMOUNT AND CALCULATION OF CONTRIBUTION
Takaful Contribution shall be payable in respect of each Participant as follows; the contribution amount excludes telco taxes.
Plan |
Daily Contribution (PKR) |
A |
2.4 |
B |
4.8 |
C |
7 |
D |
9.5 |
The coverage will start from the 1st day of next month. Where full Contribution for a Covered Member is not paid any benefit amount will be adjusted on Pro-rata basis as per the variant-wise table below.
PLAN A:
Amount of End User Contribution paid in calendar month (PKR) |
Death Benefit (Lumpsum) |
2.40 |
3,333 |
4.80 |
6,667 |
7.20 |
10,000 |
9.60 |
13,333 |
12.00 |
16,667 |
14.40 |
20,000 |
16.80 |
23,333 |
19.20 |
26,667 |
21.60 |
30,000 |
24.00 |
33,333 |
26.40 |
36,667 |
28.80 |
40,000 |
31.20 |
43,333 |
33.60 |
46,667 |
36.00 |
50,000 |
38.40 |
53,333 |
40.80 |
56,667 |
43.20 |
60,000 |
45.60 |
63,333 |
48.00 |
66,667 |
50.40 |
70,000 |
52.80 |
73,333 |
55.20 |
76,667 |
57.60 |
80,000 |
60.00 |
83,333 |
62.40 |
86,667 |
64.80 |
90,000 |
67.20 |
93,333 |
69.60 |
96,667 |
72.00 |
100,000 |
PLAN B:
Amount of End User Contribution paid in calendar month (PKR) |
Death Benefit (Lumpsum) |
4.80 |
6,667 |
9.60 |
13,333 |
14.40 |
20,000 |
19.20 |
26,667 |
24.00 |
33,333 |
28.80 |
40,000 |
33.60 |
46,667 |
38.40 |
53,333 |
43.20 |
60,000 |
48.00 |
66,667 |
52.80 |
73,333 |
57.60 |
80,000 |
62.40 |
86,667 |
67.20 |
93,333 |
72.00 |
100,000 |
76.80 |
106,667 |
81.60 |
113,333 |
86.40 |
120,000 |
91.20 |
126,667 |
96.00 |
133,333 |
100.80 |
140,000 |
105.60 |
146,667 |
110.40 |
153,333 |
115.20 |
160,000 |
120.00 |
166,667 |
124.80 |
173,333 |
129.60 |
180,000 |
134.40 |
186,667 |
139.20 |
193,333 |
144.00 |
200,000 |
PLAN C:
Amount of End User Contribution paid in calendar month (PKR) |
Death Benefit (Lumpsum) |
7 |
10,000 |
14 |
20,000 |
21 |
30,000 |
28 |
40,000 |
35 |
50,000 |
42 |
60,000 |
49 |
70,000 |
56 |
80,000 |
63 |
90,000 |
70 |
100,000 |
77 |
110,000 |
84 |
120,000 |
91 |
130,000 |
98 |
140,000 |
105 |
150,000 |
112 |
160,000 |
119 |
170,000 |
126 |
180,000 |
133 |
190,000 |
140 |
200,000 |
147 |
210,000 |
154 |
220,000 |
161 |
230,000 |
168 |
240,000 |
175 |
250,000 |
182 |
260,000 |
189 |
270,000 |
196 |
280,000 |
203 |
290,000 |
210 |
300,000 |
PLAN D:
Amount of End User Contribution paid in calendar month (PKR) |
Death Benefit (Lumpsum) |
9.50 |
13,333 |
19.00 |
26,667 |
28.50 |
40,000 |
38.00 |
53,333 |
47.50 |
66,667 |
57.00 |
80,000 |
66.50 |
93,333 |
76.00 |
106,667 |
85.50 |
120,000 |
95.00 |
133,333 |
104.50 |
146,667 |
114.00 |
160,000 |
123.50 |
173,333 |
133.00 |
186,667 |
142.50 |
200,000 |
152.00 |
213,333 |
161.50 |
226,667 |
171.00 |
240,000 |
180.50 |
253,333 |
190.00 |
266,667 |
199.50 |
280,000 |
209.00 |
293,333 |
218.50 |
306,667 |
228.00 |
320,000 |
237.50 |
333,333 |
247.00 |
346,667 |
256.50 |
360,000 |
266.00 |
373,333 |
275.50 |
386,667 |
285.00 |
400,000 |
The Window Takaful Operator may however, by giving written notice to and taking consent of the Participant, modify rates for future Policy Period as it thinks fit.
The Window Takaful Operator reserves the right to charge any extra Contribution in respect of any Member who engages in hazardous activities. The Takaful Contributions would be deposited into a pool called the GFPTF Window Takaful Operator’s Fee: The Window Takaful Operator’s fee would be taken out by the Window Takaful Operator from the GFPTF to cover for its expenses in underwriting, administering and general management of the GFPTF.
8. BENEFITS
Death Benefit: In the event of death of the covered Participant whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Death Benefit Amount (PKR) |
A |
100,000 |
B |
200,000 |
C |
300,000 |
D |
400,000 |
9. CESSATION OF MEMBERSHIP
Family Takaful Cover shall cease for the Participant on event of any of the following:
10. EXCLUSIONS
No benefit will be paid if the death or injury of the Member results directly, wholly or partly, as a result of or related to:
11. ASSIGNMENT
The Family Takaful Cover provided for under this Policy and the benefits payable hereunder are not assignable.
12. CLAIMS
In case of death of the Member, the same shall be notified to the Window Takaful Operator. The Nominee at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Nominee, all claims will require evidence of claim and proof of age of the Member.
Written notice of claim must be presented to and received at the Main Office of the Window Takaful Operator within ninety (90) days after the date of event. Otherwise the claim shall be invalid.
The Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with standard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents.
The Takaful coverage affected hereunder shall carry no paid-up / surrender value.
Claim will be processed by the Window Takaful Operator following the submission of the Claim documents to the Window Takaful Operator or an entity authorized by the Window Takaful Operator, by the Participant.
Upon satisfaction, the GFPTF managed by the Window Takaful Operator shall pay the claim amount to the Nominee.
13. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be effected by the payment of the required contribution when due.
14. TERMINATION OF THIS POLICY
The Window Takaful Operator reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of the group policy holder and Window Takaful Operator assumed at any time prior to the effective date of termination. Further, the Window Takaful Operator reserves the right to give Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
a) No individual enrollment shall be entertained under this Policy after the time of termination.
15. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
16. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 and Takaful Rules 2012 this policy and any additional benefits shall be referable to the Family Takaful Protection Business Statutory Fund of the Window Takaful Operator. The Window Takaful Operator may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Customer of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (65) can avail of Term Takaful plan upon payment of the applicable subscription fee. The registration under Term Takaful plan will expire when a subscriber reaches the age of sixty-six (66) years.
No, you can only avail one plan variant of Term Takaful Term takaful at a time.
Haafiz Plus Plan
Plan |
Term Takaful |
A |
100,000 |
B |
200,000 |
C |
300,000 |
D |
400,000 |
Other conditions:
In case the Participant or Nominee wants to intimate a claim, you or any of your family members can notify us through one of these methods:
1- SMS ‘Claim’ at 4141
2- Call EFU Helpline help line 021-111-338-111 or the following number: 042-111-333-033
3- Send an email at [email protected]
Jazz and EFU Life collaborated to launch an exclusive Takaful Product Suite. Within this collaboration, Jazz customers are now offered the opportunity to choose the Shariah-compliant Takaful plan.
The plan provided takaful coverage in the unfortunate event of hospitalization of the participant. Additionally, the plan provides coverage in case of diagnosis or hospitalization due to water borne diseases such as Dengue, Chikungunya, Yellow Fever, Cholera and Typhoid.
This plan is a monthly protection bundle that is paid for by the Customer through daily contribution deductions from their airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Takaful Plan.
Benefits |
Amount & End User Contribution |
Health Wallet (Hospitalization Benefit) |
5,000 (Monthly Limit) |
Water & Air Bourne Diseases (Diagnosis & Hospitalization Benefit) |
5,000 (Monthly Limit) |
EFU mHealth Subscription |
Unlimited Per Month for Family |
End User Contribution (EUC) |
1.20 |
Prepaid: The monthly price is charged in installments over 30 days
Prepaid subscribers are eligible for coverage even if they are unable to pay the entire monthly price. For details, please refer to the Terms & Conditions
The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. A proportionately reduced amount of Takaful benefit will be provided even after on day deduction.
Postpaid: The service will be launched for postpaid soon.
Daily and Weekly contributions for Prepaid customers only.
Monthly contribution for both Prepaid and Postpaid customers.
EUC = End User Contribution
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
GROUP FAMILY TAKAFUL SCHEME
Participant's Membership Document(PMD)
GENERAL PROVISIONS
Preamble:
This is to acknowledge that the applicant (hereinafter called the Participant), having submitted the Application Form along with the associated documents and undertaking to pay the Takaful Contribution, as more fully described in the Participant's Specific Schedule (hereinafter referred to asthe "PSS") attached hereto:
i. is accepted, as per the PSS as a member of the Group Family Participants Takaful Fund (hereinafter referred to as the GFPTF) operated by EFU Life Assurance Ltd. (hereinafter referred to as the Window Takaful Operator) under EFU Family Takaful Waqf Fund (hereinafter referred to asthe Waqf Fund).
ii. Being a member of the GFPTF, the Participant is acknowledged as a beneficiary of the benefits declared by the GFPTF from time to time under this PMD; in accordance with the Waqf Deed and the Participant Takaful Fund (PTF) Policies. The PTF Rules are available at the Head Office of the Window Takaful Operator.
iii. Subject to the Participant continuing as a member of the GFPTF and complying with its undertaking and the declarations made in the Application Form, the Participant may be paid by the GFPTF as one of its beneficiaries against the Takaful Benefits, in the manner and to the extent asstated hereunder.
iv. No payment in respect of any Contribution shall be deemed to be payment to the Window Takaful Operator unless a printed form of receipt for the same, signed by an official of the Takaful Operator, shall have been given to the Participant.
v. Notwithstanding anything above, cover under this PMD shall not commence until the Contribution, as stated in the PSS hereof, has been paid or guaranteed to be paid in the manner as stated in the PSS or as expressly agreed and stated therein.
Therefore, this PMD witnessed that this Membership shall at all times and under all circumstances be subject to the Conditions and Stipulations printed hereon, which Conditions and Stipulations constitute the basis of this Membership, and are to be considered as incorporated in and forming part of this PMD
Term Takaful Plan is underwritten and distributed by EFU Life - WTO. Jazz is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the plan and EFU Life-WTO’s performance of its obligation.
1. DEFINITIONS
In these provisions:
1 Rupee Product: means a product that provides a guaranteed level of takaful protection in case of Participant hospitalization or diagnosis in case of air borne diseases such as Dengue, Chikungunya, Yellow Fever, Cholera and Typhoid.
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
BENEFIT(s): means the benefits provided under this Policy as per Benefit Contracts are specified as under:
1. Hospitalization Coverage in case of admission of Participant or Spouse in any registered hospital across Pakistan or diagnosis of air borne diseases as specified in 1 Rupee Product
COMPANY: Y means EFU Life Assurance Limited.
COMMENCEMENT DATE means the date on which the Contribution is paid after acceptance of the application for group family takaful.
CONTRIBUTORY TAKAFUL means Takaful coverage for which the Participant contributes.
ELIGIBLE PERSON means Jazz customer who is eligible for takaful cover under this policy by Clause 4 of these Terms and Conditions.
EFFECTIVE DATE & TIME OF THE POLICY means the date and time on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Participant.
ENROLLMENT DATE means the date on which the Participant was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which the Participant initially enrolled under this Policy.
GROUP FAMILY PARTICIPANTS TAKAFUL FUND means the collective fund hereinafter referred as GFPTF under the Window Takaful Operator Waqf Fund into which all Group Family Takaful Contributions for Takaful Hospitalization Benefits as well as Takaful Additional Benefits (if any) are pooled. The benefits of GFPTF belong to the Participants with certain conditions for their mutual help and GFPTF is managed by the Window Takaful Operator as Wakeel under the Islamic Concept of Wakalah.
GROUP POLICY HOLDER: means Pakistan Mobile Communications Limited or Jazz.
PARTICIPANT means an Eligible Person who is to be included in this policy after giving his valid consent and paying the required takaful contribution amount.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
PRE-EXISTING CONDITIONS for the purposes of this Policy means any injury, illness, condition or symptom: for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Commencement Date of the Policy for Member, or which originated or was known by the Member to exist prior to the Commencement Date of this Policy, whether or not treatment, or medication, or advice or diagnosis was sought or received.
RENEWAL DATE means any subsequent month anniversary of the Commencement Date.
RENEWAL ENROLLMENT means Re-enrolment of the Participant into this Policy upon payment of contribution on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date.
TAKAFUL CONTRIBUTION means periodic contributions paid into the Group Family Participants Takaful Fund for Takaful Hospitalization Benefit as well as Takaful Supplementary Benefits (if any).
WAQF DEED means the Deed of Waqf Settlement establishing the irrevocable Waqf Fund called EFU Family Takaful Waqf Fund.
WAQF RULES means the Rules made under Waqf Deed related to the GFPTF. The Waqf Deed and the Waqf Rules shall collectively be called, in this document, as Waqf Rules. The Waqf Rules are available at the Head Office of the Window Takaful Operator.
WINDOW TAKAFUL OPERATOR’S FEES means the fees required to cover expenses of underwriting, administration and general management of the GFPTF.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.
2. MASTER CONTRACT
This document, the Takaful Supplementary Benefit document(s), the Application Form (including the Proposal Form), the PSS and any endorsements and documents that evidence the basis for, and any future changes in, the aforesaid document(s) executed between the Participant and the Window Takaful Operator, together constitute the Contract. All statements and declarations made by the Participant or Bank shall in the absence of fraud, be deemed representations and not warranties and no such statement shall void the Policy or be issued in defense of a claim hereunder unless it is contained in the Proposal and Declaration thereof.
No one except an Authorized Signatory is authorized to extend the time for Contribution payment, to waive any lapse or forfeiture, to waive any of the Window Takaful Operator's rights or requirements or to bind the Window Takaful Operator by making any promise or by accepting any representation or information not contained in the Proposal and Declaration for this Policy. The Window Takaful Operator shall not be bound by any promise or representation heretofore or hereafter given by any person other than the authorized representative and such approval be endorsed hereon.
3. AMENDMENT OF THIS POLICY
This Policy may be amended or changed at any time, without the consent of the Participants covered hereunder, on written request made by the Bank and agreement by the Company. Unless otherwise agreed, any amendment or change to this Policy shall be binding on all Participants whether covered under this Policy prior to or on or after the date such amendment or change becomes effective.
4. ELIGIBILITY
The Eligible Person for this Policy are the present and future customers of the Jazz who are within the Eligibility Age range i.e. 18 to 65 years and who have given their valid consent to opt for family takaful coverage under this Policy. Any Member shall not be eligible for multiple enrollments at a single point in time.
5. EFFECTIVE DATE OF INDIVIDUAL FAMILY TAKAFUL COVERAGE
Customer will become eligible from the date on which the takaful contribution is paid for this takaful coverage.
6. EVIDENCE OF AGE
Evidence of age of a Participant satisfactory to the Window Takaful Operator will be required before any benefit in respect of him is paid under this Policy and if after commencement of the Family Takaful Benefit hereunder the date of birth of any Participant is found to have been incorrectly notified to the Window Takaful Operator, the Window Takaful Operator shall notify the Participant and/or Bank of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Participant is found to be more 65 years.
7. AMOUNT AND CALCULATION OF CONTRIBUTION
The coverage will start from the 1st day of next month. Where full Contribution for a Covered Member is not paid any benefit amount will be adjusted on Pro-rata basis as per the variant wise table below.
Amount of End User Contribution paid in calendar month (PKR) |
Hospital Cash Limit (PKR) |
Water Borne Diseases (PKR) |
EFU mHealth |
1.26 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
2.52 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
3.78 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
5.04 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
6.30 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
7.56 |
1,000.00 |
1,000.00 |
Unlimited per Month for Family |
8.82 |
1,166.67 |
1,166.67 |
Unlimited per Month for Family |
10.08 |
1,333.33 |
1,333.33 |
Unlimited per Month for Family |
11.34 |
1,500.00 |
1,500.00 |
Unlimited per Month for Family |
12.60 |
1,666.67 |
1,666.67 |
Unlimited per Month for Family |
13.86 |
1,833.33 |
1,833.33 |
Unlimited per Month for Family |
15.12 |
2,000.00 |
2,000.00 |
Unlimited per Month for Family |
16.38 |
2,166.67 |
2,166.67 |
Unlimited per Month for Family |
17.64 |
2,333.33 |
2,333.33 |
Unlimited per Month for Family |
18.90 |
2,500.00 |
2,500.00 |
Unlimited per Month for Family |
20.16 |
2,666.67 |
2,666.67 |
Unlimited per Month for Family |
21.42 |
2,833.33 |
2,833.33 |
Unlimited per Month for Family |
22.68 |
3,000.00 |
3,000.00 |
Unlimited per Month for Family |
23.94 |
3,166.67 |
3,166.67 |
Unlimited per Month for Family |
25.20 |
3,333.33 |
3,333.33 |
Unlimited per Month for Family |
26.46 |
3,500.00 |
3,500.00 |
Unlimited per Month for Family |
27.72 |
3,666.67 |
3,666.67 |
Unlimited per Month for Family |
28.98 |
3,833.33 |
3,833.33 |
Unlimited per Month for Family |
30.24 |
4,000.00 |
4,000.00 |
Unlimited per Month for Family |
31.50 |
4,166.67 |
4,166.67 |
Unlimited per Month for Family |
32.76 |
4,333.33 |
4,333.33 |
Unlimited per Month for Family |
34.02 |
4,500.00 |
4,500.00 |
Unlimited per Month for Family |
35.28 |
4,666.67 |
4,666.67 |
Unlimited per Month for Family |
36.54 |
4,833.33 |
4,833.33 |
Unlimited per Month for Family |
37.80 |
5,000.00 |
5,000.00 |
Unlimited per Month for Family |
The Window Takaful Operator may however, by giving written notice to and taking consent of the Participant, modify rates for future Policy Period as it thinks fit.
The Window Takaful Operator reserves the right to charge any extra Contribution in respect of any Member who engages in hazardous activities. The Takaful Contributions would be deposited into a pool called the GFPTF Window Takaful Operator’s Fee: The Window Takaful Operator’s fee would be taken out by the Window Takaful .Operator from the GFPTF to cover for its expenses in underwriting, administering and general management of the GFPTF.
8. BENEFITS
Hospitalization Benefit: : In case of hospitalization of the covered Participant whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Benefit Amount (PKR) |
Health Wallet |
Up to 5,000 |
Water Borne Diseases:
In case of diagnosis of or hospitalization due to water borne disease such as Dengue, Chikungunya, Yellow fever, Cholera and Typhoid. Participant whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Benefit Amount (PKR) |
Health Wallet |
5,000 |
9. CESSATION OF MEMBERSHIP
Family Takaful Cover shall cease for the Participant on event of any of the following:
10. EXCLUSIONS
No benefit will be paid if the hospitalization of the Member results directly, wholly or partly, as a result of or related to:
a) Suicide and attempt to suicide, murder, self-inflicted injury, participation in a criminal act or violation of law, and illegal act of the covered member.
11. ASSIGNMENT
The Family Takaful Cover provided for under this Policy and the benefits payable hereunder are not assignable.
12. CLAIMS
In case of hospitalization of the Member, the same shall be notified to the Window Takaful Operator. The participant, at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Participant, all claims will require evidence of claim and proof of age of the Member.
Written notice of claim must be presented to and received at the Main Office of the Window Takaful Operator within ninety (90) days after the date of event. Otherwise, the claim shall be invalid.
The Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with standard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents.
The Takaful coverage affected hereunder shall carry no paid-up /value.
Claim will be processed by the Window Takaful Operator following the submission of the Claim documents to the Window Takaful Operator or an entity authorized by the Window Takaful Operator, by the Participant.
Upon satisfaction, the GFPTF managed by the Window Takaful Operator shall pay the claim amount to the Nominee.
13. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be affected by the payment of the required contribution when due.
14. TERMINATION OF THIS POLICY
The Window Takaful Operator reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of the group policy holder and Window Takaful Operator assumed at any time prior to the effective date of termination. Further, the Window Takaful Operator reserves the right to give Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
a) No individual enrollment shall be entertained under this Policy after the time of termination.
15. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
16. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 and Takaful Rules 2012 this policy and any additional benefits shall be referable to the Family Takaful Protection Business Statutory Fund of the Window Takaful Operator. The Window Takaful Operator may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Customer of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (65) can avail of 1 Rupee Product plan upon payment of the applicable subscription fee. The registration under the 1 Rupee Product plan will expire when a subscriber reaches the age of sixty-six (66) years.
No, you can only avail one plan variant of plan at a time.
Benefits |
Amount & End User Contribution |
Amount & End User Contributio |
5,000 (Monthly Limit) |
Water & Air Bourne Diseases (Diagnosis & Hospitalization Benefit) |
5,000 (Monthly Limit) |
EFU mHealth Subscription |
Unlimited Per Month for Family |
Other conditions:
The plan provides takaful coverage in the unfortunate event of the covered member’s admission into hospital. Additionally, the plan provides includes coverage for water borne diseases such as Dengue, Chikungunya, Yellow Fever, Cholera and Typhoid.
In case the Participant or Nominee wants to intimate a claim, you or any of your family members can notify us through one of these methods:
1- SMS ‘Claim’ at 4141
2- Call EFU Helpline help line 021-111-338-111 or the following number: 042-111-333-033
3- Send an email at [email protected]
Jazz and EFU Life collaborated to launch an exclusive Takaful Product Suite. Within this collaboration, Jazz customers are now offered the opportunity to choose the Shariah-compliant Takaful plan. The plan offers coverage to individuals in the unfortunate event of a cancer diagnosis. In such instances, the Takaful Operator commits to providing a predetermined lump-sum payout to the covered member, offering financial support on the diagnosis. This plan is a monthly protection bundle that is paid for by the Customer through daily contribution deductions from their airtime balance.
How to subscribe:
Call 042-111-333-033 or SMS 4141 and EFU Life’s representative will call you within 24 working hours to guide you and help subscribe to the Takaful Plan.
Plan |
Cancer Coverage |
Daily |
A |
100,000 |
3 |
B |
200,000 |
5.5 |
C |
300,000 |
7.8 |
D |
400,000 |
10.2 |
Prepaid: The monthly price is charged in installments over 30 days
**Prepaid subscribers are eligible for coverage even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. A proportionately reduced amount of Takaful benefit will be provided even after on day deduction.
Postpaid: The service will be launched for postpaid soon.
Daily for Prepaid customers only.
EUC = End User Contribution
How do I Claim:
SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.
GROUP FAMILY TAKAFUL SCHEME
Participant's Membership Document(PMD)
GENERAL PROVISIONS
Preamble:
Thisisto acknowledge that the applicant (hereinafter called the Participant), having submitted the Application Form along with the associated documents and undertaking to pay the Takaful Contribution, as more fully described in the Participant's Specific Schedule (hereinafter referred to asthe "PSS") attached hereto:
i. is accepted, as per the PSS as a member of the Group Family Participants Takaful Fund (hereinafter referred to as the GFPTF) operated by EFU Life Assurance Ltd. (hereinafter referred to as the Window Takaful Operator) under EFU Family Takaful Waqf Fund (hereinafter referred to asthe Waqf Fund).
ii. Being a member of the GFPTF, the Participant is acknowledged as a beneficiary of the benefits declared by the GFPTF from time to time under this PMD; by the Waqf Deed and the Participant Takaful Fund (PTF) Policies. The PTF Rules are available at the Head Office of the Window Takaful Operator.
iii. Subject to the Participant continuing as a member of the GFPTF and complying with its undertaking and the declarations made in the Application Form, the Participant may be paid by the GFPTF as one of its beneficiaries against the Takaful Benefits, in the manner and to the extent asstated hereunder.
iv. No payment in respect of any Contribution shall be deemed to be payment to the Window Takaful Operator unless a printed form of receipt for the same, signed by an official of the Takaful Operator, shall have been given to the Participant.
v. Notwithstanding anything above, cover under this PMD shall not commence until the Contribution, as stated in the PSS hereof, has been paid or guaranteed to be paid in the manner as stated in the PSS or as expressly agreed and stated therein.
Therefore, this PMD witnessed that this Membership shall at all times and under all circumstances be subject to the Conditions and Stipulations printed hereon, which Conditions and Stipulations constitute the basis of this Membership, and are to be considered as incorporated in and forming part of this PMD
Term Takaful Plan is underwritten and distributed by EFU Life - WTO. Jazz is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the plan and EFU Life-WTO’s performance of its obligation.
1. DEFINITIONS
In these provisions:
CANCER TAKAFUL PLAN: means a product that provides a guaranteed level of life takaful protection a in case the Participant is diagnosed with cancer.
AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.
BENEFIT(s): means the benefits provided under this Policy as per Benefit Contracts are specified as under:
1. Family Takaful Coverage in case of Cancer
NOMINEE:means a person or persons appointed by the Participant (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under this Policy in the event of his death.
COMPANY: means EFU Life Assurance Limited.
COMMENCEMENT DATE means the date on which the Contribution is paid after acceptance of the application for group family takaful.
CONTRIBUTORY TAKAFUL means Takaful coverage for which the Participant contributes.
ELIGIBLE PERSON means Jazz customer who is eligible for takaful cover under this policy by Clause 4 of these Terms and Conditions.
EFFECTIVE DATE & TIME OF THE POLICY means the date and time on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Participant.
ENROLLMENT DATE means the date on which the Participant was initially enrolled under this Policy.
ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which the Participant initially enrolled under this Policy.
GROUP FAMILY PARTICIPANTS TAKAFUL FUND means the collective fund hereinafter referred as GFPTF under the Window Takaful Operator Waqf Fund into which all Group Family Takaful Contributions for Takaful Death Benefits as well as Takaful Additional Benefits (if any) are pooled. The benefits of GFPTF belong to the Participants with certain conditions for their mutual help and GFPTF is managed by the Window Takaful Operator as Wakeel under the Islamic Concept of Wakalah.
GROUP POLICY HOLDER: means Pakistan Mobile Communications Limited or Jazz.
PARTICIPANT means an Eligible Person who is to be included in this policy after giving his valid consent and paying the required takaful contribution amount.
POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.
PRE-EXISTING CONDITIONS for the purposes of this Policy means any injury, illness, condition or symptom: for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the Commencement Date of the Policy for Member, or which originated or was known by the Member to exist prior to the Commencement Date of this Policy, whether or not treatment, or medication, or advice or diagnosis was sought or received.
RENEWAL DATE means any subsequent month anniversary of the Commencement Date.
RENEWAL ENROLLMENT means Re-enrolment of the Participant into this Policy upon payment of contribution on Renewal Date.
SICKNESS means sickness or disease contracted for the first time after the Commencement Date.
TAKAFUL CONTRIBUTION means periodic contributions paid into the Group Family Participants Takaful Fund for Takaful Death Benefit as well as Takaful Supplementary Benefits (if any).
WAQF DEED means the Deed of Waqf Settlement establishing the irrevocable Waqf Fund called EFU Family Takaful Waqf Fund.
WAQF RULES means the Rules made under Waqf Deed related to the GFPTF. The Waqf Deed and the Waqf Rules shall collectively be called, in this document, as Waqf Rules. The Waqf Rules are available at the Head Office of the Window Takaful Operator.
WINDOW TAKAFUL OPERATOR’S FEES means the fees required to cover expenses of underwriting, administration and general management of the GFPTF.
Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.
2. MASTER CONTRACT
This document, the Takaful Supplementary Benefit document(s), the Application Form (including the Proposal Form), the PSS and any endorsements and documents that evidence the basis for, and any future changes in, the aforesaid document(s) executed between the Participant and the Window Takaful Operator, together constitute the Contract. All statements and declarations made by the Participant or Bank shall in the absence of fraud, be deemed representations and not warranties and no such statement shall void the Policy or be issued in defense of a claim hereunder unless it is contained in the Proposal and Declaration thereof.
No one except an Authorized Signatory is authorized to extend the time for Contribution payment, to waive any lapse or forfeiture, to waive any of the Window Takaful Operator's rights or requirements or to bind the Window Takaful Operator by making any promise or by accepting any representation or information not contained in the Proposal and Declaration for this Policy. The Window Takaful Operator shall not be bound by any promise or representation heretofore or hereafter given by any person other than the authorized representative and such approval be endorsed hereon.
3. AMENDMENT OF THIS POLICY
This Policy may be amended or changed at any time, without the consent of the Participants covered hereunder, on written request made by the Bank and agreement by the Company. Unless otherwise agreed, any amendment or change to this Policy shall be binding on all Participants whether covered under this Policy prior to or on or after the date such amendment or change becomes effective.
4. ELIGIBILITY
The Eligible Person for this Policy are the present and future customers of the Jazz who are within the Eligibility Age range i.e. 18 to 60 years and who have given their valid consent to opt for family takaful coverage under this Policy. Any Member shall not be eligible for multiple enrollments at a single point in time.
5. EFFECTIVE DATE OF INDIVIDUAL FAMILY TAKAFUL COVERAGE
Customer will become eligible from the date on which the takaful contribution is paid for this takaful coverage.
6. EVIDENCE OF AGE
Evidence of age of a Participant satisfactory to the Window Takaful Operator will be required before any benefit in respect of him is paid under this Policy and if after commencement of the Family Takaful Benefit hereunder the date of birth of any Participant is found to have been incorrectly notified to the Window Takaful Operator, the Window Takaful Operator shall notify the Participant and/or Bank of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Participant is found to be more 60 years.
7. AMOUNT AND CALCULATION OF CONTRIBUTION
Takaful Contribution shall be payable in respect of each Participant as follows; the contribution amount excludes telco taxes.
Plan |
Daily Contribution (PKR) |
A |
3 |
B |
5.5 |
C |
7.8 |
D |
10.2 |
The coverage will start from the 1st day of next month. Where full Contribution for a Covered Member is not paid any benefit amount will be adjusted on Pro-rata basis as per the variant wise table below.
PLAN A:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
3.00 |
3,333 |
6.00 |
6,667 |
9.00 |
10,000 |
12.00 |
13,333 |
15.00 |
16,667 |
18.00 |
20,000 |
21.00 |
23,333 |
24.00 |
26,667 |
27.00 |
30,000 |
30.00 |
33,333 |
33.00 |
36,667 |
36.00 |
40,000 |
39.00 |
43,333 |
42.00 |
46,667 |
45.00 |
50,000 |
48.00 |
53,333 |
51.00 |
56,667 |
54.00 |
60,000 |
57.00 |
63,333 |
60.00 |
66,667 |
63.00 |
70,000 |
66.00 |
73,333 |
69.00 |
76,667 |
72.00 |
80,000 |
75.00 |
83,333 |
78.00 |
86,667 |
81.00 |
90,000 |
84.00 |
93,333 |
87.00 |
96,667 |
90.00 |
100,000 |
PLAN B:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
5.50 |
6,667 |
11.00 |
13,333 |
16.50 |
20,000 |
22.00 |
26,667 |
27.50 |
33,333 |
33.00 |
40,000 |
38.50 |
46,667 |
44.00 |
53,333 |
49.50 |
60,000 |
55.00 |
66,667 |
60.50 |
73,333 |
66.00 |
80,000 |
71.50 |
86,667 |
77.00 |
93,333 |
82.50 |
100,000 |
88.00 |
106,667 |
93.50 |
113,333 |
99.00 |
120,000 |
104.50 |
126,667 |
110.00 |
133,333 |
115.50 |
140,000 |
121.00 |
146,667 |
126.50 |
153,333 |
132.00 |
160,000 |
137.50 |
166,667 |
143.00 |
173,333 |
148.50 |
180,000 |
154.00 |
186,667 |
159.50 |
193,333 |
165.00 |
200,000 |
PLAN C:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
7.80 |
10,000 |
15.60 |
20,000 |
23.40 |
30,000 |
31.20 |
40,000 |
39.00 |
50,000 |
46.80 |
60,000 |
54.60 |
70,000 |
62.40 |
80,000 |
70.20 |
90,000 |
78.00 |
100,000 |
85.80 |
110,000 |
93.60 |
120,000 |
101.40 |
130,000 |
109.20 |
140,000 |
117.00 |
150,000 |
124.80 |
160,000 |
132.60 |
170,000 |
140.40 |
180,000 |
148.20 |
190,000 |
156.00 |
200,000 |
163.80 |
210,000 |
171.60 |
220,000 |
179.40 |
230,000 |
187.20 |
240,000 |
195.00 |
250,000 |
202.80 |
260,000 |
210.60 |
270,000 |
218.40 |
280,000 |
226.20 |
290,000 |
234.00 |
300,000 |
PLAN D:
Amount of End User Contribution paid in calendar month (PKR) |
Cancer Cover (Lumpsum) |
10.20 |
13,333 |
20.40 |
26,667 |
30.60 |
40,000 |
40.80 |
53,333 |
51.00 |
66,667 |
61.20 |
80,000 |
71.40 |
93,333 |
81.60 |
106,667 |
91.80 |
120,000 |
102.00 |
133,333 |
112.20 |
146,667 |
122.40 |
160,000 |
132.60 |
173,333 |
142.80 |
186,667 |
153.00 |
200,000 |
163.20 |
213,333 |
173.40 |
226,667 |
183.60 |
240,000 |
193.80 |
253,333 |
204.00 |
266,667 |
214.20 |
280,000 |
224.40 |
293,333 |
234.60 |
306,667 |
244.80 |
320,000 |
255.00 |
333,333 |
265.20 |
346,667 |
275.40 |
360,000 |
285.60 |
373,333 |
295.80 |
386,667 |
306.00 |
400,000 |
The Window Takaful Operator may however, by giving written notice to and taking consent of the Participant, modify rates for future Policy Period as it thinks fit.
The Window Takaful Operator reserves the right to charge any extra Contribution in respect of any Member who engages in hazardous activities. The Takaful Contributions would be deposited into a pool called the GFPTF Window Takaful Operator’s Fee: The Window Takaful Operator’s fee would be taken out by the Window Takaful. Operator from the GFPTF to cover its expenses in underwriting, administering, and general management of the GFPTF.
8. BENEFITS
Cancer Benefit: In the event of diagnosis of Cancer the covered Participant whilst the Policy is in full force and effect and subject to exclusions, terms and conditions, upon receipt of due proof and investigation of the claim, the GFPTF managed by the Window Takaful Operator will pay the amount as per the plan chosen by the covered Participant specified in table below:
Category |
Cancer Benefit Amount (PKR) |
A |
100,000 |
B |
200,000 |
C |
300,000 |
D |
400,000 |
9. CESSATION OF MEMBERSHIP
Family Takaful Cover shall cease for the Participant on event of any of the following:
10. EXCLUSIONS
No benefit will be paid if the death or injury of the Member results directly, wholly or partly, as a result of or related to:
a) Pre-existing Illness. The covered member has received or is receiving treatment. Clear and distinct symptoms are or were evident.
b) Covered Illness occurring within (30) days after the Policy Purchase.
11. ASSIGNMENT
The Family Takaful Cover provided for under this Policy and the benefits payable hereunder are not assignable.
12. CLAIMS
In case of death of the Member, the same shall be notified to the Window Takaful Operator. The Nominee, at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Nominee, all claims will require evidence of claim and proof of age of the Member.
Written notice of claim must be presented to and received at the Main Office of the Window Takaful Operator within ninety (90) days after the date of event. Otherwise, the claim shall be invalid.
The Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with standard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents.
The Takaful coverage affected hereunder shall carry no paid-up / surrender value.
Claims will be processed by the Window Takaful Operator following the submission of the Claim documents to the Window Takaful Operator or an entity authorized by the Window Takaful Operator, by the Participant.
Upon satisfaction, the GFPTF managed by the Window Takaful Operator shall pay the claim amount to the Nominee.
13. RENEWAL PRIVILEGE
This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be affected by the payment of the required contribution when due.
14. TERMINATION OF THIS POLICY
The Window Takaful Operator reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of the group policy holder and Window Takaful Operator assumed at any time prior to the effective date of termination. Further, the Window Takaful Operator reserves the right to give Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.
Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:
a) No individual enrollment shall be entertained under this Policy after the time of termination.
15. LAW
The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.
16. STATUTORY FUND
Under the provisions of the Insurance Ordinance 2000 and Takaful Rules 2012 this policy and any additional benefits shall be referable to the Family Takaful Protection Business Statutory Fund of the Window Takaful Operator. The Window Takaful Operator may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Customer of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (59) can avail of Cancer Takaful plan upon payment of the applicable subscription fee. The registration under the Cancer Takaful plan will expire when a subscriber reaches the age of sixty-six (60) years.
No, you can only avail one plan variant of plan at a time.
Plan |
Cancer Cover |
A |
100,000 |
B |
200,000 |
C |
300,000 |
D |
400,000 |
Other conditions:
This plan offers coverage for a comprehensive range of cancer types. In the unfortunate event of a cancer diagnosis, the policyholder is eligible to receive a lump-sum payment.
This financial assistance is specifically designed to empower the individual to allocate funds towards their treatment expenses, providing crucial support during a challenging period of illness.
In case the Participant or Nominee wants to intimate a claim, you or any of your family members can notify us through one of these methods:
1- SMS ‘Claim’ at 4141
2- Call EFU Helpline help line 021-111-338-111 or the following number: 042-111-333-033
3- Send an email at [email protected]
Free 24/7 Unlimited General Practitioner Consultations on Mobile Applications, Web Apps, and Call Centers.
50% discount on Specialist Doctor Consultations by Doctors from 32 Medical and Surgical Specialties.
24/7 Customer Hotline and Call Center manned by doctors to reply to customers’ queries.
25% discount on Doctor physical visits at home.
Free Home Laboratory sample collection.
25% discount on Laboratory tests.
Free Home Medicine Delivery.
10% discount on medicines.
25% discount on home imaging services (X-ray, Ultrasound).
15% discount on Home nursing care.
20% discount on Ambulance Service (within the city and across cities).
Free Consultation, Content, and VOD platform for Fitness, Lifestyle, well-being, Women’s health, Child health, Elderly health.
Free Electronic Medical records.
Subscription Charges:
Rs. 6/Day.
HOW TO DOWNLOAD
Download MedIQ app on your smartphone through Google Play and Apple App Store links below.
iOS QR
Android QR
MedIQ is Pakistan’s first digitally integrated hybrid healthcare platform. We bring together multiple healthcare service providers, including doctors, hospitals, laboratories, diagnostic centers, and pharmacies, into a single touchpoint, revolutionizing how patients are treated and cared for.
Rs 5+tax daily
You can send “SUB” to 7040 or download the application from Playstore & Apple Store.
You can send “UNSUB” to 7040.
To report any issues with our app or healthcare services, we encourage you to send your queries to [email protected]. Our team is available to assist you with any questions or concerns and will work to resolve any issues you encounter as quickly as possible.
We use industry-standard security measures to ensure that your personal data is safe and secure. We also use encryption and other security technologies to protect your data from unauthorized access, use, and disclosure.
Personal health information, whether it is videos or electronic medical records, is encrypted. And access is limited to only the patient, the healthcare provider, and other authorized people.
The teleconsultation between the doctor and patient is not recorded to ensure the privacy and confidentiality of the patient’s personal and medical information. We use appropriate security measures to protect the patient’s information during the teleconsultation.
To reschedule your appointment, call or contact us on our WhatsApp. The appointment will be rescheduled according to a time that accommodates your schedule and the availability of the doctor.
For a teleconsultation, the average waiting time is 2 minutes. If you do not receive a call from the doctor, please contact us on WhatsApp, and our agent will take the necessary actions and see through the request immediately.
If a precise diagnosis cannot be made through teleconsultation or if further investigations are required, it is recommended to consult a specialist at the earliest.
To cancel your order, call or contact us on WhatsApp; our agent will see through your request immediately. Your payment for that order will then be reimbursed.
To change your password for security reasons or to reset it if you forget it, click on “Forgot Password” when signing in. Enter your mobile number, receive OTP, and enter your new password.
Yes, we offer a diverse range of doctors on our platform, including both male and female practitioners. The availability of doctors may vary depending on their specialty and schedule.
MedIQ provides online full-time, highly trained, and licensed General Practitioners who are available to our consumers 24x7 and 365 days in a year, to provide a proper level of care.
Get your mobile phones secured with Waada Mobile Phone Insurance
Mobile phone screen damage and theft can cause financial distress to anyone, especially in the Pakistani market where the prices of mobile phones have increased significantly in the recent past. This plan, in partnership with Jazz and Habib Insurance, provides a lump sum benefit to the customers in case of theft and loss, and replacement of the screen in case of damage due to any reason. *Terms and conditions apply.
How to subscribe:
Customers will get an outbound call from Waada (021-33129284-94, 021-37189284-94) for plan subscription. The representative will explain the product details and walk through the registration process. Customers are required to provide mobile phone make and model and consent for sharing their other relevant information by Jazz.
Once registered with the plan in accordance with the customer's mobile phone make and model, applicable daily subscription charges will be automatically deducted from the mobile balance (if available). For more information call 021-111-992-232.
Packages and Cover
Plan | Daily premium (PKR) | Theft Coverage* (PKR) | **Screen Damage Coverage (PKR) |
1 |
2.00 | 10,000 | 4,000 |
2 |
4.00 | 20,000 | 8,000 |
3 |
6.50 | 30,000 | 12,000 |
4 |
8.50 | 40,000 | 16,000 |
5 |
10.50 | 50,000 | 20,000 |
Prepaid: *Maximum benefit available upon payment of full one month’s subscription fee. For details please refer to the Terms & Conditions.
Screen Damage Coverage: ** Screen damage coverage is lower of slabs mentioned above or the actual market price.
Postpaid: Service is not available for postpaid customers.
4. How do I Claim:
In case of any insured loss, customer can notify us through any of the following channels:
1- Call at Waada helpline 021-111-992-232.
2- Send an email at [email protected]
3- Call Jazz helpline 111
Please note that you must notify a claim within ninety (90) days of occurrence of the insured loss and failure to do so can affect claim approval.
5. How to unsubscribe to Mobile Phone Protection Plan?
To unsubscribe mobile phone protection plan, Call Waada at 021-111-992-232
Customers can also unsubscribe the mobile phone protection plan using the link below; https://waada.pk/cancel(Customers will get OTP before confirming the cancellation on their registered mobile numbers).
6. GENERAL PROVISIONS
The Insurance plans are underwritten by Habib Insurance and powered by WAADA.
WAADA is an insurance technology company which focuses on the retail insurance sector through localized distribution solutions. Waada is acting as a distributor & administrator of these insurance plans.
JAZZ, has partnered with Waada to facilitate and enable Waada’s unique range of innovative insurance and tech products for Jazz customers.
7. DEFINITIONS
MOBILE PROTECTION means daily mobile phone insurance policy covering theft / loss of phone & screen damage.
HABIB refers to Insurer i.e. Habib Insurance Company Limited. A Company incorporated as a public company under the applicable laws of Pakistan having its registered office at 1st Floor, State Life Building No. 6, Habib Square, M. A. Jinnah Road, Karachi – 74000, Pakistan.
WAADA refers to Service provider i.e. Waada Digital (Private) Limited. A private limited company incorporated under the laws of Pakistan, having its principal place of business at 163 Bangalore Town, Main Shahrah-e-Faisal, Karachi
JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
INSURANCE COVER means the amount which shall be paid by Habib to the Insured or the Beneficiary as per the terms and conditions of the Insurance Policy.
INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.
The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy.
MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
EXCLUSIONS
The claim will not be paid in the event of the following:
(a) Loss or damage caused by any faults or defects existing at the time of commencement of this policy whether known or not.
(b) Any manufacturing fault (whether known or unknown).
(c) Loss or damage for which the manufacturer or supplier of the insured items is responsible either by law or under contract
(d) Claims during waiting/no-claim period
This policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the incident occurs due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary.
This policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the incident occurs due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary.
1. All subscriptions renew automatically until canceled by the subscriber.
2. In order to have full coverage under your plan, the subscription amount must be paid full in the previous month. In case of partial payment due to insufficient balance, the month being the commencement month or any other reason, the benefit coverage under the selected plan reduces on a pro-rata basis for the following month.
3. Under these plans, attempts will be made, up to multiple times a day, to collect the pre-defined subscription amount from the mobile balance of the subscriber. There will not be accumulative deductions at any day or time for the period when the balance was insufficient. This means max deduction on any given day or time would be the subscription amount due for that period only.
4. All subscriptions and benefits payable under these plans will be in Pakistani rupees.
5. On-call consent given by the customer shall be considered as a legally binding agreement to subscribe for the plan.
6. Upon subscription, the user agrees to a recurring amount charged or deducted as subscription from the talk-time balance and auto-renewed until unsubscribed.
7. By enrolling in the plan, subscribers authorize [Telco] to share their details available to the parties providing these services under these plans.
8. The benefit offered under the plans will be governed by the terms and conditions contained in the group policy or policies issued by a registered insurance or a takaful company in Pakistan. The coverage under the plan is underwritten by Habib Insurance limited, also known as the underwriter. They are the ultimate party responsible to pay the claims.
9. The plan is developed by Waada Digital Pvt Limited who is providing distribution, technology and administrative services under this arrangement.
10. The subscription amount must be paid in advance for a subscriber to be eligible for the benefits under the plans.
11. The terms of the plans, including subscription amount is amendable and withdrawable by the supplier parties at any time. In such an event, the subscriber will be informed through an SMS or any other manner as agreed between them.
12. SMS notifications for subscribed services and service renewal may be sent anytime during 24 hours.
13. Notice of claim under this plan must be given to Waada or the underwriter within 30 days of the claim occurrence.
The process is very simple. You will get a call from a Waada representative who will tell you about the product features and will assist in the registration process. Once your registration is activated on Waada systems, the charging will start, and your coverage will be active. Rest assured, you will be getting SMS notifications at each step.
Mobile Phone insurance plan offers generous limits as stated below: Lump sum benefit in case of theft & total loss of mobile phone upto 40% of lump sum benefit in case of mobile screen damage.
Plan | Daily premium (PKR) | Theft Coverage (PKR) | Screen Damage Coverage (PKR) |
1 |
2.00 | 10,000 | 4,000 |
2 |
4.00 | 20,000 | 8,000 |
3 |
6.50 | 30,000 | 12,000 |
4 |
8.50 | 40,000 | 16,000 |
5 |
10.50 | 50,000 | 20,000 |
Once signed up, the daily premium of this plan shall be deducted automatically from the pre-paid balance of the subscriber.
We have taken care of that scenario and in such case, you will be offered prorated benefit as per the following formula in daily recursive charging: [Total daily subscription fee collected during one calendar month ÷ full daily subscription fee due during one calendar month] × maximum benefit]
Suppose you have selected a package where the daily subscription fee is PKR 6.50. To avail maximum benefits, you have to pay PKR 195 during a calendar month. Now assume that you could pay only PKR 130 during a calendar month, your coverage will be as per the following table:
Benefit type | Coverage amount (PKR) |
Theft Benefit | 20,000 |
Mobile Screen Damage | 8,000 |
Benefit amount will be calculated on the basis of the subscription fee collected from you in a calendar month and cover will start from the first day of the following calendar month.
No. Only the registered mobile phone & in use of the insured will be entitled for claim.
Waiting period means no claim shall be payable if the coverage triggers within 15 days of the subscription enrollment.
No waiting period in case of theft or total loss. In case of screen protection, the waiting period is 15 days.
In case of any insured loss, customer can notify us through one of these methods:
1- Call at Waada helpline 021-111-992-232.
2- Call Jazz helpline 111
3- Send an email at [email protected]
Please note that you must notify a claim within ninety (90) days of occurrence of the insured loss and failure to do so can affect claim approval.
Following documents must be provided within ninety (90) days of the date of occurrence of theft or damage to the phone through the process explained below:
Theft (100% of the sum assured or the value of new phone whichever is lower).
Screen Cover (40% of sum assured)
Once a claim is made policy and deduction shall terminate
The claim will be payable to the insured subscriber.
No. Only loss of phone as a result of theft & snatching will be covered. Screen damage is covered after the waiting period.
You will not be getting a replacement phone. Instead, funds will either be transferred online in the bank account of the policy holder or cheque as per settlement amount will be made available to you.
You are entitled to coverage of the insured amount only. Any exceeding payments will be borne by the customer.
No. Only PTA approved mobiles are covered under this policy. In case of claim, blocking of the IMEIs of the phone are mandatory and proof will be required at the time of claim.
All valid claims will be paid within 72 working hours upon completion of all required documents.
One customer can enroll in only one subscription on one Telco Sim.
You can file claims until the maximum cover amount is fully claimed.
The claim will not be paid in the event of the following:
(a) Loss or damage caused by any faults or defects existing at the time of commencement of this policy whether known or not.
(b) Any manufacturing fault (whether known or unknown).
(c) Loss or damage for which the manufacturer or supplier of the insured items is responsible either by law or under contract
(d) Claims during waiting/no-claim period
(a) Cessation of Mobile Phone Protection by any reason whatsoever
(b) Upon payment of any claim
(c) Insured subscriber ceases to be a Jazz subscriber
(d) Your decision not to continue with the product and communication of that to us using the customer service touch points
(e) Continuous non-payment of subscription fee
(f) Filing of fake claims
1- Call at Waada helpline 021-111-992-232.
2- Call Jazz helpline 111
3- Send an email at [email protected]
No, Only one mobile phone can be insured on one SIM.
Yes, you can get a subscription for discontinued mobile phones depending on the current market price of the set.
Customers need to call Waada helpline 021-111-992-232 if they wish to change their mobile phone used under the registered MSISDN. The Sum Assured however is fixed and cannot be changed. The new phone shall have a waiting period (no claim period) of 15 days given the same phone number is being used in the new phone.
Yes but only upon receiving an outbound call from WAADA.