Health care costs are not affordable by most of the people. Even for those who can afford, the high uncertainty disrupts the future investment plans and savings.

Insurance helps eliminate risk and improves standard of heath care for all insureds. Health insurance is not only for those who get sick; it also covers investigation costs to maintain your health before any health condition triggers.

Coverage
• Inpatients / Pre & Post Hospitalization Expense (Including Hospital/Surgical & Miscellaneous expenses. Some of the covered expenses are In-Hospital Consultations, Intensive Care Charges, Surgical Fees, Anesthetist’s Fee, Operation Theatre Charges, Prescribed Medicines, Diagnostic Investigations, Blood & Oxygen Supplies, Ventilator & Allied Services, Day care procedures including Kidney Dialysis/Chemotherapy & Radiotherapy for Cancer)
• Emergency Local ambulance
• Emergency Hospitalization Abroad
• Second Opinion from International health care providers
• Outpatient (Optional Extension)
• Maternity (Optional Extension)

Features
• Range of up to 1000+ hospital across Pakistan
• 24/7 Medical Hotline
• Health Insurance Card
• Discounts of outpatient, lab test, pharmacies etc.
• Free Lookup Period for 14 days
• Pre Existing coverage on specific plans
• Discount at renewal subject to no claims

Personal Health Plan
Cover yourself for the risk of financial loss from medical expenses incurred for the treatment of diseases, injuries etc.

Family Health Plan
Best protection for your family in case unforeseen health illness to protect and maintain your lifestyle.

Senior Citizen Health Plan
Unique heath plan put together considering needs of old age. Protect your parents and any person above 45 years.

Women Health Plan
Economical plan designed to cover Women’s related complications such as female cancers, body burns, Paralysis and the like.

Follow three simple steps;
Step 1 - Fill easy fields with your details
Step 2 - Evaluate the comparison or seek our insurance expert’s assistance
Step 3 - Make payment to buy Insurance coverage and receive insurance card & policy

Utilize direct billing facility from insurer to healthcare providers directly by simply using your Insurance Card at the provider reception.

Some insurers have limited facility with only reimbursement claims filing facility. In such cases the insured will be required to maintain records of all medical reports, formal receipts, doctor’s note etc. These documents are then submitted to the insurer for reimbursement.

In order to avoid any possibility of claim being rejected, Comet’s servicing team assists in obtaining the advance approval letter from the insurer.

• Cosmetic, aesthetic and related treatment
• Congenital anomalies
• HIV-AIDS or any sexually transmitted disease
• Any fertility/impotence/ sterilization procedure or treatment
• Pregnancy related expenses ad complications
• Psychiatric treatment
• War, invasion, civil commotion
• Cost of limbs/ prosthetics/ hearing aids / crutches /dentures
• Drug abuse / self-inflicted injuries
• Any outpatient expenses (unless extended)
• Maternity (unless extended)
• Benefits for Pre-existing Conditions are usually limited.
• Waiting Period: Usually does not cover any expenses occurring during the first 30 days of the inception of policy, except from accidental injuries.

Follow the policy documents or seek Comet's advise for full details.