IGI introduces “Sehat Muhafiz”, a unique health insurance cover through UBL Omni, designed for UBL Omni Account Holders, Potential Account Holders, & Walk-In Customers. This product can be purchased from a selected set of Omni Dukaans and applicable age to avail this product is 18 to 64 years. Sehat Muhafiz can be purchased at an annual price of either Rs. 750 or Rs. 1,500, depending on the below mentioned plan selection features.
|
Plan
|
Annual price
|
In Hospital Income* (Accident & Sickness)
|
Accidental Medical Reimbursement
|
Accidental Death
|
| A
|
1,500
|
1,400 / day
|
20,000
|
200,000
|
| B
|
750
|
700 / day
|
10,000
|
100,000
|
Each plan is valid for a year from the date of subscription. This product has a waiting period of 30 days while free look period is 7 days. The plan offers multiple hospitalization benefits in case of Sickness and Accident and no medical questions are asked. The offer is coupled with additional benefits of Accidental Medical Reimbursement and Accidental Death.
How will the policy/plan be issued?
It will be issued from Agent Dukaan to Omni Account Holders as well as Walk-In Customers.
How many policies/plans can be purchased on one CNIC?
Customers can purchase only one policy/plan per CNIC.
Can the policy/plan be cancelled?
Yes, the policy/plan can be cancelled. If cancelled within 7 days, then customer’s premium is refunded.
In case of cancellation, how is the premium refunded?
In case of Walk in Customer, Disbursal Code will be sent on Customer’s Mobile number which can be used to receive the money back from Omni agent. In case of Omni Account Holder, premium amount will be refunded into the customer’s account. Customer can call the Omni call center 111-825-777 for further queries.
How will I know that I have subscribed to health insurance?
Upon successful transaction completion, an SMS will be sent to you containing the policy number.
Is there any medical exam required to be insured under Sehat Muhafiz Insurance plan?
No medical examination or form filling is required during insurance issuance.
What is meant by waiting period?
Waiting period implies that the benefit of the insurance plan will come into effect 30 days after subscription.
How do I change my beneficiary?
You cannot change your beneficiary
What types of conditions are not covered under the Hospitalization Plan?
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Intentional / self-inflicted injury
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Active participation in illegal activities
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Claims arising due to Wars / invasions
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Claims arising while the insured is under the influence of intoxicants
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Claims arising due to involvement in professional / extreme sports
-
AIDS / HIV
-
Claims arising related to any maternity related matter
What is the claim process?
You can lodge your claim by calling IGI Life directly at (021) 111-111-711. Upon receipt of the claim, you will be contacted by IGI Personnel and would be required to submit required documentation.