Family Sehat (Health)
A reliable health plan that includes medical outlay, laboratory test costs, medication, hospitalization costs, including critical illness.
Our health is subject to multiple risks in today’s fast-paced lifestyle. To commit to the good health of our family and ourselves, it becomes essential to protect yourself by investing in a reliable health plan that includes medical outlay, laboratory test costs, medication, hospitalization costs, including critical illness. Healthy lifestyle is the key to a happy life, and one must be prepared to tackle health-related problems as and when they occur. Pak-Qatar’s FAMILY SEHAT is the solution to all such needs.
Benefits Offered
Hospital Care Benefit
Critical Illness Benefit (Optional)
Coverage Under Hospital Care Benefit
Medical expenses related to the following are covered under Hospital Care Benefit:
- Hospitalization or In-patient Treatment
- Accidental Emergency Treatment
- Day Care Procedures (e.g. Endoscopy, Dialysis, Cataract Surgery, etc.)
- Specialized Investigative Procedures (e.g: Angiography, MRI, CT Scan, etc.)
Critical Illness Benefits
This is an optional benefit covered with additional charges. It includes lump sum payment on diagnosis of one of the illnesses or undergoing one of the procedures. Payment under this benefit is in addition to the payments under Hospital Care Benefit.
Eligibility Criteria
Childern
Others
91 days to 25 years
18 years to 59 years
Salient Features
- Panel Hospitals & Credit Facility.
- Pak-Qatar Family Takaful has one of the biggest panel hospital network nationwide.
- Pak-Qatar’s Health Card provides you credit facility at panel hospitals as per individual’s minimum room entitlement.
- You can also avail exclusive discounts on lab tests and consultation in designated medical centers by showing Pak-Qatar Health Card.
- Refer to Panel Hospitals Booklet available on our website.
24/7 Worldwide Coverage
The plan also provides coverage outside Pakistan in case of accident or acute medical emergency. Any expense incurred for such treatments will be reimbursed in Pakistani Rupees subject to terms and conditions of the policy document.
Hospital/Doctor of Your Choice
Under Individual Family Sehat, you have the privilege to avail the facility for treatment at a particular hospital/doctor that is not on our panel.
Pre-Existing Conditions Coverage
Pre-Existing Condition (PEC) means any injury, disease, illness, condition or symptom for which treatment, or medication, or advice, or diagnosis has been sought or received (even if no treatment is provided) or was foreseeable prior to the Membership Commencement Date.
Disclosed and accepted Pre-Existing Conditions are covered under Hospital Care Benefit starting from 91st day and up to limits specified in the table
Year
Lower of
1
20% of covered expenses
20% of Hospital Care Limit
2
40% of covered expenses
40% of Hospital Care Limit
3
60% of covered expenses
60% of Hospital Care Limit
4
80% of covered expenses
80% of Hospital Care Limit
5+
100% of covered expenses
100% of Hospital Care Limit
Benefits Limits
Hospital Care Benefit Annual Limits (in PKR)
| Class of Membership | Budget | Economy | Silver | Gold | Platinum | Platinum + |
|---|---|---|---|---|---|---|
| Total Hospital Care Benefit Limit | 100,000 | 200,000 | 350,000 | 500,000 | 1,000,000 | 1,200,000 |
| Room & Board Limit | 2,500 | 5,000 | 12,000 | 17,000 | 35,000 | 55,000 |
Critical Illness Supplementary Benefits (in PKR)
| Age Bracket | Plan of Membership | A | B | C | D | E |
|---|---|---|---|---|---|---|
| Critical Illness Limits | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 |
Hospital Care Benefit per Individual Annual Contribution (in PKR)
| Age Bracket | Budget | Economy | Silver | Gold | Platinum | Platinum + |
|---|---|---|---|---|---|---|
| 91 days – 45 Yrs | 9,000 | 11,250 | 22,500 | 32,500 | 51,550 | 72,200 |
| 46 – 55 | 13,000 | 18,350 | 33,500 | 61,100 | 97,300 | 126,550 |
| 56 – 59 | 16,000 | 22,700 | 41,600 | 76,150 | 121,350 | 157,950 |
Critical Illness Benefits per Individual Annual Contribution (Optional) (in PKR)
| Age Bracket | Plan of Membership | A | B | C | D | E |
|---|---|---|---|---|---|---|
| 18–35 | 400 | 600 | 750 | 1,000 | 1,200 | |
| 36–45 | 950 | 1,400 | 1,850 | 2,350 | 2,750 | |
| 46–50 | 2,050 | 3,000 | 4,000 | 5,100 | 6,150 | |
| 51–55 | 5,150 | 7,550 | 9,850 | 12,600 | 15,200 | |
| 56–59 | 2,750 | 5,450 | 8,200 | 10,900 | 13,650 |
**15% discount for couple and 25% discount for families (including children)
Exclusive discount of 40% available for existing members of Mahana Bachat & Takaful Flexi Plan
Major Exclusions
OPD & Expense related to routine check-up
Dental treatment
Injuries as a result of participation in dangerous sports
Experimental treatments
Vaccinations
Illegal activities / criminal acts
Infertility
Psychiatric disorders
Corrective / cosmetic surgeries
Sterilization
Self-infected injuries
Cost of hospital negligence
External implants
HIV or other STDs
Elective overseas treatments
Non-medical hospital expenses
Maternity and related complications
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Note
- This product is underwritten by Pak-Qatar Family Takaful Limited.
- Information provided in this brochure is for illustrative purposes only. Actual terms and conditions of the Plan are given in policy document.
