More About IGI Health Insurance Plans
Health Sure Plan
IGI’s Health Sure offers complete solution for healthcare needs. Health Sure covers hospitalization covers and maternity covers. In addition, the product covers pre- and post-hospitalization expenses. The insured can facilitate from long list of hospital panels across Pakistan. The insured can also benefit from discount arrangements made by IGI General with various pharmacies and diagnostic laboratories.
Following are the prominent features;
• Coverage extended to: Working employees & their dependent spouses & children
• Age limits: For employees & their spouses up to 65 years of age; unmarried/ unemployed daughters; sons up to 25 years age if unemployed; divorced / separated / widowed daughters dependent on the employees without any age limit.
• Health declaration: Each insured employee must complete a health questionnaire form, for underwriting purposes.
Family Healthcare
IGI General’s Family HealthCare Insurance secures more than one family members (self, spouse and children up to 4) for a fixed amount in case of hospitalization. The coverage can be utilized by any family member any number of times within your coverage limit. Hospitalization limits available to choose from, for a family are Rs. 275,000, Rs. 550,000, Rs. 750,000, Rs. 1,000,000 as required.
Above limits are annual limits combined for a family. The coverage can be utilized for any number of times until the limit is lapsed.
Competitive Product features include,
• Provides Cashless benefits through panel of many hospitals across Pakistan
• No requirements for Medical tests
• Pre-Existing Conditions will be covered after 03 years of continuous coverage
• Free cancellation within 14 days of policy issuance, if you are not satisfied
Parents Healthcare
IGI General’s parents care insurance plan covers the health of old age people who are within the age bracket of 45 to 65 years and renewable up to 70 years of age. The policy also covered pre-existing conditions up to 10% of the total hospitalization limit covered. The pre-existing limit is increased to 20%, 30%, 40% and 50% at every consecutive renewal.
Following 5 plans with different annual Hospitalization limits available are Rs. 200,000, Rs. 300,000, Rs. 500,000, Rs. 700,000, Rs. 1,000,000 as per your needs.
Competitive Product features include,
• Provides Cashless benefits through panel of many hospitals across Pakistan
• No requirements for Medical tests
• Limited cover for Pre-Existing Conditions (PECs) from 1st year.
• Enhancement for PECs cover at consecutive renewals to a maximum of 50%.
• Free cancellation within 14 days of policy issuance, if you are not satisfied
Lifestyle Care
IGI General’s Lifestyle Care is designed cover 7 critical illness that may be diagnosed to the insured. In case of any diagnosis IGI pays fixed lump sum amount without any medical test report or bills.
The seven Critical Illnesses covered under this Lifestyle Care policy which are as follows:
1. Cancer
2. Open Chest Coronary Artery Bypass Surgery
3. Heart Attack (Myocardial Infarction)
4. Kidney Failure
5. Stroke
6. Major Organ Transplant
7. Paralysis
Following are the options for Critical Illness insurance plan with lump sum amount benefit;
• Silver with Sum insured of Rs. 300,000
• Gold with Sum insured of Rs. 500,000
• Diamond with Sum insured of Rs. 700,000
• Platinum with Sum insured of Rs. 1,000,000
Her Care
IGI General’s Her care plan protects a woman from 8 types of women diseases. The plan cover following 8 critical illnesses of woman;
1. Breast Cancer
2. Cervical Cancer
3. Burns
4. Paralysis or Multi-trauma
5. Fallopian Tube Cancer
6. Uterine or Endometrial Cancer
7. Vaginal Cancer
8. Ovarian Cancer
In addition, the plan also covered Congenital Disability Benefit free of cost. The plan lists some common congenital disabilities that a new-born baby might suffer. If the baby suffers from any of the prescribed disabilities, the plan pays 50% of the Sum Assured to the mother. The disabilities covered include:
• Down’s Syndrome
• Congenital Cyanotic Heart Disease
• Trachea-esophageal Fistula
• Cleft Palate with or without cleft lip
• Spina Bifida
This benefit is available for the first two children and only if the children are born before the woman attains 40 years of age.
There are three types of plans:
• Gold Plan with a limit of PKR 500,000/-
• Diamond Plan with a limit of PKR 750,000/-
• Platinum Plan with a limit of PKR 1,000,000/-
