Digital Health Insurance | Digital Solutions

To mitigate the risk of unforeseen accidents and episodes of sickness of your employees, we’ve partnered up with MicroEnsure to provide a simple and affordable health insurance plan. Under the partnership, a range of innovative insurance products and solutions will be designed through end-to-end digital processes.

Sehatyab is a simple and affordable health insurance which helps address the financial risk of unforeseen hospitalization. With the insurance plan, your employees and their family members are provided with cash benefits for each night spent in a hospital.

Benefits

Sehatyab offers cash benefit for each night spent as in-patient in a hospital due to sickness or accident. There are three cover plans with benefits as follows:

Eligibility criteria

If your company is a corporate customer of the PMCL, you can access Sehatyab by providing your employees’ particulars to MicroEnsure. An employee (one spouse in case of family cover) shall be aged between 18 and 65 years to be considered eligible. Children (in case of family cover) must be aged between 2 and 18 years to be covered (Insured Person(s)).

Coverage

Coverage will commence from the time premium is paid by the client and will continue for one month. Timely payment of monthly premium will ensure uninterrupted coverage.

How it works

Step 1

Hospital treatment record which shows the date of admission, date of discharge, diagnosis, and treatment
Step 2

Copy of CNIC
Step 3

Doctor’s certificate
Step 4

Signed claim form (if required)
Step 5

Medico-legal report in case of accident, violence, or suspected suicide
Step 6

Claims are processed within five business days after submission of complete claim documents via cheque.
Step 7

Claims will be paid by the Aisa Insurance Company Limited.

Sehatyab does not limit coverage to panel hospitals. Insured Persons may go to any registered hospital for treatment. A registered hospital means an institution which:

Is licensed by laws of Pakistan to provide medical care
Has facilities for diagnostic and laboratory tests, medical diagnosis, treatment, and surgery
Has a 24-hour nursing service comprising registered graduate nurses under supervision of an in-house physician
Provides appropriate medical care to patients under documented procedures
Maintains medical records of each patient and provides the insurance company easy access to records
Admission in clinics is not covered

Maximum 30 days are covered for one hospitalization. Annual coverage limits of PKR 60,000/- (Bronze Plan), PKR 90,000/- (Silver Plan) and PKR 120,000/- (Gold Plan) apply. You employee can only be subscribed in one plan at a time.

Coverage will terminate in following cases:

When Insured Person turns 65 years of age (18 years for insured children)
If renewal premium is not paid
If a fake claim is notified

Please contact your company’s point of contact or your Jazz Business Consultant to cancel your subscription and discontinue future payments.

Claims will not be payable in the following cases:

A condition which existed prior to subscription
Pregnancy, childbirth, or related complications
Self-harm
Use of alcohol, narcotics, and poison
War, civil war, invasion, and natural catastrophes
Upon subscription, a waiting period of 15 days will apply on hospitalization due to sickness
Waiting period of 30 days will apply between successive hospitalizations