Health always comes first.
In life we take many things for granted, health is not one of them.
That is why we bring you IGI Life-WTO Shifa Takaful Plan, a comprehensive Shari’ah compliant health plan for you and your family.
The plan is being offered by IGI Life – Window Takaful Operations and has been exclusively designed for Bank Alfalah customers. It is only available through Bank Alfalah’s branches.
Features and Benefits
| Coverage | Plan Type | ||
|---|---|---|---|
| Bronze | Silver | Gold | |
| Hospitalization (per annum) | PKR 150,000 | PKR 300,000 | PKR 500,000 |
| Additional Coverage (in case of Hospitalization due to Accident) | PKR 100,000 | PKR 150,000 | PKR 250,000 |
| Daily Room and Board Limit | Semi Private | Semi Private | Private |
| Pre-Hospitalization (Investigation, Consultation and Medicines) |
Covered for 30 days | Covered for 30 days | Covered for 30 days |
| Post-Hospitalization (Investigation, Consultation and Medicines) |
Covered up to PKR 8,000 and for 30 days | Covered up to PKR 12,000 and for 30 days | Covered up to PKR 15,000 and for 30 days |
| Lacerated Wound and Fractures | Covered | Covered | Covered |
| Intensive Care Unit | Covered | Covered | Covered |
| Death due to any cause* | PKR 100,000 | PKR 100,000 | PKR 100,000 |
Payment Frequency
| Age | Bronze | Silver | Gold | |
|---|---|---|---|---|
| From | To | |||
| 0 | 44 | 5,700 | 8,700 | 9,600 |
| 45 | 59 | 11,600 | 17,800 | 19,300 |
| 60 | 64 | 16,300 | 24,500 | 26,400 |
| 65 | 69 | 39,000 | 57,900 | 62,800 |
| 70 | 75 | 40,500 | 63,900 | 70,000 |
Above is a breakdown of the contributions within the age bracket that can be made.
*Death Coverage is valid up to 69th Birthday only
you can choose any one of the plan types that best suits your requirement.
Note: For a better understanding in making your selection according to your takaful needs, you may contact representatives at your nearest Bank Alfalah Limited branch.
Eligibility
The plan is available to all Bank Alfalah Limited customers between 18-59 years of age. The plan is renewable up to the age of 75 years.
Term of Plan
IGI Life-WTO Shifa Takaful Plan is a yearly renewable hospitalization plan. The policy term of this plan is 1 year.
Claims
Following are the requirements for Claims settlement:
- Claimant’s Statement to be completed and signed by you : Download the form from the this link http://igilife.com.pk/downloads/claim-forms/
- Physician’s Statement to be filled by the Physician who treated/attended the deceased : Download the form from the this link http://igilife.com.pk/downloads/claim-forms/
- Original Union Council Death Certificate which will be returned to you OR copy duly attested by Union Council
- Copy of hospital death certificate
- Original Policy Document
- All previous and current medical treatment record of deceased
- Copies of CNIC’s of Beneficiary & Deceased
- Copy of FIR/Police Report duly attested by the issuing authority (In case of accident)
- Copy of Post Mortem Report duly attested by the issuing authority (In case of accident)
Note: Further requirements can be asked for depending on the case.
A claim is settled as soon as requirements to the satisfaction of IGI Life Window Takaful Operations are submitted at its Head Office (IGI Life Insurance Limited, The Forum, 7th Floor, Suite No 701-713, Khayaban-e-Jami, Block 9, Clifton, Karachi 75600, Pakistan)
Please find below the required details for hospital reimbursement:
- ‘Health Insurance Claim form’ to be completed by claimant and Attending /Treating Physician
- Details of Accident
- Pharmacy bill with the Physician’s prescription
- Official receipt for Lab text, X-ray films, and other examinations requested by your Physician’s
- Attending Physician’s Statement specifying the details of illness/accident and resultant injuries
- Hospital Bill together with hospitalization papers/Discharge Summary
- Attested copy of CNIC
Upon receipt of the above documents, we will be able to proceed further with this claim and may ask for additional information, if necessary.
FREE LOOK PERIOD
If you cancel your membership within a free look period of 14 days from the date of receipt of the Participant’s Membership Document (PMD), you are entitled for a full refund of contribution less any expenses incurred by IGI Life WTO in connection with your medical or clinical examinations.
Disclaimer:
The product is underwritten by IGI Life- Window Takaful Operations. It is not guaranteed or covered by Bank Alfalah Limited or its affiliates.
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