Bima Mobile Pakistan the leading provider of mobile-delivered insurance and health has launched an innovation new product “BIMA Family” that allows customers to cover their family and friends through their prepaid Jazz accounts. BIMA Family enables customers to cover the insurance needs of family, friends, relatives and employees.
BIMA Family provides a monthly Personal Accidental & Hospitalization insurance policy with uniquely bundled health services. Prepaid customers can add up to 10 additional people to their account. They can all access the range of BIMA Family benefits including 24/7 access to qualified tele-doctors, weekly SMS health tips and cover in case of hospitalization or accidents.The customers nominees can be registered with other networks or postpaid customers.
BIMA Family will be launched for Postpaid customers soon so they can benefit from this innovative service.
It’s hassle & paper free. Customers sign up direct from their mobiles with no need for paperwork or medical check-ups.
Call 042-111-119-878 or SMS “BIMA Sehat” to 9878 and an agent will call* you to guide you and help subscribe to the service *MILVIK representative will call you within 24 working from 0309-0559878. There are no charges for sending an SMS to 9878.
|Personal Accidental Cover|
|Plan||**Daily Price||**Monthly Price||Maximum Cover/Benefit provided|
|Silver||PKR 2.51||PKR 75.31||PKR 225,000|
|Gold||PKR 4.00||PKR 120.05||PKR 450,000|
|Platinum||PKR 8.71||PKR 261.26||PKR 1,250,000|
|Diamond||PKR 15.83||PKR 475.01||PKR 2,500,000|
|BIMA SEHAT Cover|
|Plan||**Daily Price||**Monthly Price||Maximum sum assured per night (max 30 nights per year)|
|Silver||Rs. 2.51||Rs. 75.27||Rs 1000|
|Gold||Rs. 4.00||Rs. 120.10||Rs. 2,250|
|Platinum||Rs. 7.86||Rs. 235.90||Rs. 5,500|
|Diamond||Rs. 14.30||Rs. 428.95||Rs. 12,000|
Note: Monthly Price for customer will be directly dependent on the number of recipients the Funder add to the policy and the plan opted for each child.
The monthly price is charged in **installments over 30 days
If the Funder pays only a partial amount of the monthly cost the Funder/recipient or their beneficiary are still eligible for partial coverage.
For details please refer to the detailed Terms & Conditions
**The monthly price for whole family is divided into 30 equal installments and is charged once per day from Funder’s account until the entire month’s price is received. If the Jazz Funder’s balance is not sufficient for payment then the whole family is not charged for that day.A proportionate reduced amount of insurance benefit will be provided even after at least one day deduction. However BIMA will not be responsible to provide cover to Funder or to recipients if Funder fail to pay a minimum one day deduction in a month.
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 042-111-119-878 no later than 270 days from the first night of hospitalization and a BIMA representative will contact you with full information on how to process your claim.
The Insurance is underwritten by IGI General Insurance and delivered by BIMA (registered as BIMA)
BIMA is the global leader in mobile-delivered health and insurance products. To date BIMA has reached over 31 million customers worldwide. BIMA operates across Asia, Africa and Latin America. BIMA is proudly underwritten by IGI General Insurance. IGI General Insurance offers first class security and service to the insuring public at an international standard. Jazz Telecom, is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or BIMA’s performance of its obligations.
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall sustain any Bodily Injury caused by Accident as defined herein the Company will pay to the Insured Person or in the event of his death, to his Beneficiary, if surviving, otherwise to the estate of the Insured Person the Benefit stated in the Policy Schedule attached hereto
Personal Accidental Insurance
Payment of claims is subject to exclusions, as outlined below. The Personal Accident Insurance Cover shall not cover any Death or Permanent Disability which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
BIMA SEHAT plan shall not cover any hospitalization claim which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
Eligibility & Enrolment
Applicants are eligible to apply for an Accident Protection and BIMA SEHAT Insurance Plan under the Policy if Applicants meet ALL the criteria set out below:
The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.
Intentional False Statements of The Insured
In the event of any concealment or misrepresentation the Personal Accident and BIMA SEHAT Policy shall become null and void with respect to the relevant Insured.
The Company shall be notified of the hospitalization and occurrence of Death of the Insured or the Permanent Disablement of the Insured or in case of hospitalization as soon as possible, but not later than 270 (two hundred & seventy days) days from the date of incident or from the first night of hospitalization after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.
(1)For each Claim reported, the Company shall obtain:
From the Claimant:
CNIC; final hospital invoice or discharge report which states date of admission and discharge.
Insurer may require any other document if reasonably deems necessary before approving a claim under the Policy.
A notice of death, which could be a legal death certificate, a certificate of attending physician, containing his registration number and mentioning actual cause of death, and proof of the personal identity of the Insured, which could be the official personal identity data.
Medical report containing the degree of Disablement certified by the surgeon.
In case of Permanent Disablement, unnatural or unusual death, Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
The insurance of an Insured shall automatically terminate at the earliest time below:
Interested customers shall participate through an electronic enrolment process, assisted by a call center agent, or by submitting information electronically via their handset, in two phases:
Name of the Customer:
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by MILVIK to a MILVIK agent. This confirmation serves as digital signature for the BIMA SEHAT/Personal Accidental Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT/Personal Policy.
All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.
Compliance with Policy Provisions
Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.
The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident/BIMA SEHAT Policy as defined hereunder.
If an Insured dies or is permanently disabled due to an Accident hospitalized due to any reason(with the exception of exclusions), on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the Hospitalization/ Death or Permanent Disablement of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording
The amount of benefit received by the Insured or the Beneficiary in the event of the Hospitalization from the first night of hospitalization or accidental Death or Total and Permanent Disablement of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.
In the event of partial pay-out following Permanent Disablement due to Accident, the Company shall permit renewal of the insurance offer on a case-by case basis, and inform the registered subscriber accordingly.
The following actions shall be taken depending on the decision of renewal or non-renewal:
Each Applicant can select the level of maximum insurance benefit at the point of Enrolment.
The Subscriber has the option to choose between four (4) cover levels, at four (4) corresponding End User Price points, as given below.
Unlimited M‑health is included for all four (4)
|Monthly Price||Daily||Method of Payment||Maximum sum assured per night (max 30 nights per year)||M-Health||Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health)|
|Rs. 75.27||Rs. 2.51||Prepaid balance||PKR 1,000||Unlimited||NA|
|Rs. 120.10||Rs. 4.00||Prepaid balance||PKR 2,250||Unlimited||NA|
|Rs. 235.90||Rs. 7.86||Prepaid balance||PKR 5,500||Unlimited||YES|
|Rs. 428.95||Rs. 14.30||Prepaid balance||PKR 12,000||Unlimited||YES|
|Monthly Price||Daily||Method of Payment||Level of maximum insurance benefit provided|
|PKR 75.31||PKR 2.51||Prepaid balance||PKR 225,000|
|PKR 120.05||PKR 4.00||Prepaid balance||PKR 450,000|
|PKR 261.26||PKR 8.71||Prepaid balance||PKR 1,250,000|
|PKR 475.01||PKR 15.83||Prepaid balance||PKR 2,500,000|
Yes, a Jazz prepaid customer can become a Funder for BIMA Service.
Yes, a Funder can add user of any other network as a recipient for BIMA Service.
A Funder can opt for two policies (BIMA Accidental Protection & BIMA SEHAT) for each recipient.
Yes, he can.
A Funder can add up to 10 Recipients.
No, recipient will not be charged for BIMA Services, Funder will pay from his own account for the recipient.
Recipients don’t have to worry about the payment as Jazz Funder will pay for BIMA service on behalf of them.
No, Recipient can’t request to change cover level. Only Funder can request such changes.
Yes, Recipient can claim directly for BIMA Services.
Customer can send SMS at 9878 or call at our 24/7 helpline 042-111-119-878 or dial 042-32534444
If Funder is added as a beneficiary, then he can claim.
Yes, Funder can process Recipient change request at any time. Both Funder and Recipient will receive an SMS on service de-registration.