Jazz

Insurance

Bima Family

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.

HOW TO SUBSCRIBE

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 042 33339878. There are no charges for sending an SMS to 9878.

Charges and Cover for BIMA Family
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.

Prepaid:
The monthly price is charged in **installments over 30 days

**Prepaid
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.

Terms & Conditions

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.

BIMA FAMILY POLICY

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

DEFINITIONS
  • ACCIDENT means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
  • ACCIDENT PROTECTION PLAN means one of the personal accident insurance covers under this Insurance Policy.
  • BIMA SEHAT means monthly hospitalization insurance policy with Tele-Health Services
  • IGI refers to the COMPANY, the INSURER, or IGI General Insurance Company Limited.
  • APPLICANT means the individual (can be an individual Customer, a Funder or a Recipient) who applies for an Accident Protection or BIMA SEHAT Plan under this Policy.
  • FUNDER means any JAZZ CUSTOMER who pays the END USER PRICE on behalf of a Recipient
  • Recipient means an applicant, who is not paying the premium for BIMA Services from his own mobile account.
  • BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
  • INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
  • BIMA Mobile refers to BIMA Mobile PAKISTAN.
  • BODILY INJURY means Bodily Injury which
  • is sustained by the Insured Person during the period of insurance and;
  • is caused by external, violent and visible means and;
  • is solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such Bodily Injury, occasions the death or Disablement of the Insured Person within twelve calendar months from the date of the Accident by which such Bodily Injury is caused.
  • The COMPANY is stated as IGI General Insurance Company Limited.
  • ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
  • END USER PRICE means the amount to be charged to the Subscriber/Funder for getting the Insurance Policy and it shall include the Premium, Jazz’s Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.
  • HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical doctor.”
  • HOSPITALISATION: staying minimum of one night in a facility recognized as hospital.
  • INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or to the Insured person as per the terms and conditions of the Insurance Policy.
  • INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber, Funder or Recipient
  • INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers and to their Recipient who can be from other network.
  • The INSURED or INSURED PERSON means any Jazz Telecom Subscriber/Funder and Recipient from other networks who opt to purchase policy
  • The INSURER is stated as IGI General Insurance Company Limited.
  • MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
  • PERMANENT DISABLEMENT means TOTAL OR PARTIAL PERMANENT DISABLEMENT as defined hereunder
  • PERMANENT PARTIAL DISABLEMENT means all those bodily injuries which result in reducing the insured person’s ability to work as defined in the Table of Insurance Benefits.
  • TOTAL AND PERMANENT DISABLEMENT means the Insured Member has established to the satisfaction of Insurer that the Insured Member has been incapacitated by Injury to such an extent as to render the Insured Member unable ever to engage in or work for reward in any occupation or work (on a temporary basis, part-time basis or full-time basis) which the Insured Member is capable of performing by reason of his or her education, training or experience.
  • PREMIUM means the premium payable by an Insured Member/Funder to Insurer in relation to the Insurance Policy.
  • SUBSCRIBER means those Customers who subscribe for the Insurance Services to get this Insurance Policy.
  • JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
  • JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
  • JAZZ SYSTEMS mean Jazz’s GSM mobile cellular system.
  • JAZZ PAYMENT TERMS mean Jazz’s payment terms published at jazz.com.pk , as revised from time to time.
EXCLUSIONS

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:

  • Suicide or any attempt thereat (sane or insane).
  • Kidnapping for ransom.
  • To any death or injury sustained whilst the Insured is under the influence (temporarily or otherwise) of intoxicants, alcohol or drugs.
  • War, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that results in the declaration of a state of emergency on a local or national level

BIMA Sehat

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:

  • intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice;
  • elective treatment, such as cosmetic surgery; and pregnancy and any complications arising from pregnancy during the first nine (9) months from the Subscription
GENERAL PROVISIONS

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:

  • Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers or a recipient of any other network when subscriber opts as depended. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
  • All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accidental or BIMA SEHAT Policy.
  • All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.
  • If the Applicant wishes to apply for and subscribe to an Accident Protection or BIMA SEHAT Plan under this Insurance Policy, the Applicant will be required during the registration process to:
  • Acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
  • Confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
  • Confirm the Accident Protection or BIMA SEHAT Plan that the Applicant wishes to apply for;
  • Authorize Jazz to make 30 daily deductions each month from the prepaid account and
  • The Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
  • If the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber/Funder paid will not be refunded.
Mistake in Age

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.

Notice of Claims

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:

In case of Hospitalization

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.

In case of Accidental Death:

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.

In case of Permanent Disablement:

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.

Termination of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • Upon payment on Death or
  • Upon settlement of the Insured of the amount of insurance, including in the event of early termination of such relationship; or
  • Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.
  • In case of non-payment of End User Price by the Funder for the Insurance Policy., Policy of Funder and Recipient will be terminated
Participation Requirement/Process

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:

1st Phase:
Name of the Customer:
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:

Insurance Benefits selected by Customer:

2nd phase:
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.
Arbitrations
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.

Insurance Benefits

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

Benefit:

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.

Terms and conditions of this cover are as follows:
  • One (1) Personal Accidental and One (1) BIMA Sehat policy per applicant (individual applicant, Funder or customer)
  • A Claim must be intimated to the Company within two hundred & seventy (270) days from the date of first night of hospitalization or from the date of occurrence of Death or Permanent Disablement
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract

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:

  • On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable.
  • On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month

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.

Cover levels of BIMA SEHAT

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


For More Details please visit https://www.jazz.com.pk/prepaid/bima-insurance/

Cover levels of Personal Accident

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


For More Details please visit https://www.jazz.com.pk/prepaid/bima/

    Q: Can a Jazz Prepaid Customer become Funder?

    Yes, a Jazz prepaid customer can become a Funder for BIMA Service.

    Q: Can a Jazz Funder add recipient from another network?

    Yes, a Funder can add user of any other network as a recipient for BIMA Service.

    Q: Which products Funder can opt for recipients?

    A Funder can opt for two policies (BIMA Accidental Protection & BIMA SEHAT) for each recipient.

    Q: Can a Funder choose single product for Recipient?

    Yes, he can.

    Q: How many Recipients can a Funder add?

    A Funder can add up to 10 Recipients.

    Q: Does Recipient have to pay separately for BIMA Service?

    No, recipient will not be charged for BIMA Services, Funder will pay from his own account for the recipient.

    Q: How Recipient from other network will pay for BIMA Service?

    Recipients don’t have to worry about the payment as Jazz Funder will pay for BIMA service on behalf of them.

    Q: Can a Recipient request to change his/her cover level by himself?

    No, Recipient can’t request to change cover level. Only Funder can request such changes.

    Q: Can a Recipient claim without informing funder?

    Yes, Recipient can claim directly for BIMA Services.

    Q: How a Recipient can contact BIMA?

    Customer can send SMS at 9878 or call at our 24/7 helpline 042-111-119-878 or dial 042-32534444

    Q: Can a Funder get claim on behalf of Recipient?

    If Funder is added as a beneficiary, then he can claim.

    Q: Does Funder have the option to change his/her Recipient at any time?

    Yes, Funder can process Recipient change request at any time. Both Funder and Recipient will receive an SMS on service de-registration.

Complete your registration a BIMA agent will call you in 24 hours.



Once you’ve subscribed to BIMA Sehat, any personal information you provide to BIMA/Milvik shall be handled by BIMA as per the following Bima Privacy Policy, which is also available at the following link www.milvikpakistan.com

Checkboxes *

OVERVIEW

Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through daily deductions from his/her airtime balance.

How to subscribe:

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.

Plan **Daily Price **Monthly Price

Maximum sum assured per night (max 30 nights per year)

Silver

Rs. 2.51 Rs. 75.27 Rs.1,000
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

Prepaid: The monthly price is charged in **installments over 30 days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction.

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 MILVIK representative will contact you within 24 working hours with full information on how to process your claim.

The Insurance is underwritten by IGI General Insurance and delivered by Bima
BIMA is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations in 15 markets across Asia, Africa, Latin America, and the Caribbean. BIMA is proud to have paid over $ 8 million in claims. MILVIK 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 MILVIK’s performance of its obligations.

BIMA SEHAT POLICY

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 be hospitalized due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary.

DEFINITIONS

BIMA SEHAT means monthly hospitalization insurance policy with Tele-Health Services.

IGI refers to the COMPANY, the INSURER, or IGI General Insurance Company Limited.

APPLICANT means the individual who applies for BIMA Sehat Plan under this Policy.

BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.

INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.

MILVIK refers to MILVIK Mobile Pakistan.

The COMPANY is stated as IGI General Insurance Company Limited.

ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.

END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium, Jazz’s Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.

HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical practitioner.”

HOSPITALISATION: staying minimum of one night in a facility recognized as hospital.

INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.

INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.

INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.

The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy.

The INSURER is stated as IGI General Insurance Company Limited.

MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.

PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.

SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.

JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.

JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.

JAZZ SYSTEMS mean Jazz’s GSM mobile cellular system.

JAZZ PAYMENT TERMS mean Jazz’s payment terms published at jazz.com.pk, as revised from time to time.

EXCLUSIONS

The 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:

  • intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice;
  • elective treatment, such as cosmetic surgery; and
  • pregnancy and any complications arising from pregnancy during the first nine (9) months from the Subscription.

GENERAL PROVISIONS

1. Eligibility & Enrolment

Applicants are eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL the criteria set out below:

(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.

(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the BIMA Sehat Policy.

(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.

(4) If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:

i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;

ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

iii. confirm the BIMA Sehat Plan that the Applicant wishes to apply for;

iv. authorize Jazz to make 30 daily deductions each month from the prepaid account and

a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and

b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

2. Mistake In Age

  • 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.

3. Intentional False Statements Of The Insured

  • In the event of any concealment or misrepresentation the BIMA Sehat Policy shall become null and void with respect to the relevant Insured.

4. Notice Of Claims

the Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the 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.

(2) 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 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.

5. Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • Upon Death of Policy Holder or
  • Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.

6. Participation Requirement/Process

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:

1st Phase:

  • Name of the Customer:
  • Age or CNIC Number:
  • Name of the Beneficiary:
  • Relationship to Customer:
  • Insurance Benefits selected by Customer:

2nd phase:

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 Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.

7. Arbitration

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.

8. Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

9. Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder.

If an Insured is 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 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.

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the hospitalization from the from the first night of hospitalization of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.

Terms and conditions of this cover are as follows:

  • Only One (1) policy per applicant.
  • A Claim must be intimated to the Company within two hundred & seventy (270) days from the date of first night of hospitalization.
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract:

The following actions shall be taken depending on the decision of renewal or non-renewal:

  • On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable.
  • On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month.

The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to 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) cover levels.

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

PKR 1,000 Per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

75.27

1,000

72.76

967

70.25

933

67.74

900

65.23

867

62.72

833

60.22

800

57.71

767

55.20

733

52.69

700

50.18

667

47.66

633

45.16

600

42.65

567

40.41

533

37.64

500

35.13

500

32.62

500

30.11

500

27.60

500

25.09

500

22.58

500

20.07

500

17.56

500

15.05

500

12.55

500

10.04

500

7.53

500

5.02

500

2.51

500

0

Nil

PKR 2,250 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

120.10

2,250

116.10

2,175

112.09

2,100

108.09

2,025

104.09

1,950

100.08

1,875

96.08

1,800

92.08

1,725

88.07

1,650

84.07

1,575

80.07

1,500

76.06

1,425

72.06

1,350

68.06

1,275

64.05

1,200

60.05

1,125

56.05

1,050

52.04

975

48.04

900

44.04

825

40.03

750

36.03

675

32.03

600

28.02

525

24.02

500

20.02

500

16.01

500

12.01

500

8.01

500

4.00

500

0

Nil

PKR 5,500 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

235.90

5,500

228.04

5,316

220.17

5,134

212.31

4,950

204.45

4,766

196.58

4,584

188.72

4,400

180.86

4,216

172.99

4,034

165.13

3,850

157.27

3,666

149.40

3,484

141.45

3,300

133.68

3,116

125.81

2,934

117.95

2,750

110.09

2,566

102.22

2,384

94.36

2,201

86.50

2,018

78.63

1,835

70.77

1,652

62.91

1,469

55.04

1,286

47.18

1,103

39.32

920

31.45

737

23.59

554

15.73

500

7.86

500

0

Nil

PKR 12,000

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

428.95

12,000

414.65

11,600

400.35

11,200

386.06

10,800

371.76

10,400

357.46

10,000

343.16

9,600

328.86

9,200

314.56

8,800

300.27

8,400

285.97

8,000

271.67

7,600

257.37

7,200

243.07

6,800

228.77

6,400

214.48

6,000

200.18

5,600

185.88

5,200

171.58

4,800

157.28

4,400

142.98

4,000

128.69

3,600

114.39

3,200

100.09

2,800

85.79

2,400

71.49

2,000

57.19

1,600

42.90

1,200

28.60

800

14.30

500

0

Nil

Monthly Price Daily Charges(PKR) Method of Payment Level of maximum insurance cover provided Funeral Expense (PKR) Hosipatlization due to Accident (PKR)
Rs.75.27 Rs.2.51 Prepaid balance PKR 225,000 40,000 600
Rs.120.05 Rs.4.00 Prepaid balance PKR 450,000 80,000 1,200
Rs.261.26 Rs.8.71 Prepaid balance PKR 1,250,000 180,000 3,000
Rs.475.01 Rs.15.83 Prepaid balance PKR 2,500,000 360,000 6,000

PKR 225,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

75.31

225,000

72.80

217500

70.29

210,000

67.78

202,500

65.27

195,000

62.76

187,500

60.25

180,000

57.74

172,500

55.23

165,000

52.72

157,500

50.21

150,000

47.70

142,500

45.19

135,000

42.68

127,500

40.17

120,000

37.66

112,500

35.14

105,000

32.63

97,500

30.12

90,000

27.61

82,500

25.10

75,000

22.59

67,500

20.08

60,000

17.57

52,500

15.06

45,000

12.55

37,500

10.04

30,000

7.53

22,500

5.02

15,000

2.51

7,500

0

Nil

PKR 450,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

120.05

450,000

116.05

435,000

112.05

420,000

108.05

405,000

104.05

390,000

100.04

375,000

96.04

360,000

92.04

345,000

88.04

330,000

84.04

315,000

80.03

300,000

76.03

285,000

72.03

270,000

68.03

255,000

64.03

240,000

60.03

225,000

56.02

210,000

52.02

195,000

48.02

180,000

44.02

165,000

40.02

150,000

36.02

135,000

32.01

120,000

28.01

105,000

24.01

90,000

20.01

75,000

16.01

60,000

12.01

45,000

8.00

30,000

4.00

15,000

0

Nil

PKR 1,250,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

261.26

1,250,000

252.55

1,208,333

243.84

1,166,667

235,13

1,125,000

226.43

1,083,333

217.72

1,041,677

209.01

1,000,000

200.30

958,333

191.59

916,667

182.88

875,000

174.17

833,333

165.46

791,667

156.76

750,000

148.05

708,333

139.34

666.667

130.63

625,000

121.92

583,333

113.21

541,667

104.50

500,000

95.80

458,333

87.09

416,667

78.38

375,000

69.67

333,333

60.96

291,667

52.25

250,000

43.54

208,333

34.83

166,667

26.13

125,000

17.42

83,333

8.71

41,667

0

Nil

PKR 2,500,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

475.01

2,500,000

459.18

2,416,667

443.34

1,166,667

427.51

2,250,000

411.68

2,166,667

395.82

2.083,333

380.01

2,000,000

364.17

1,916,667

348.34

1,833,333

332.51

1,750,000

316.67

1,666,667

300.84

1,583,333

285.01

1,500,000

269.17

1,416,667

253.34

1,333,333

237.51

1,250,000

221.67

1,166,667

205.84

1,083,333

190.00

1,000,000

174.17

916,667

158.34

833,333

142.50

750,000

126.67

666,667

110.84

583,33

95.00

500,000

79.17

416,667

63.33

333,333

47.50

250,000

31.67

166,667

15.83

83,333

0

Nil

Hospital Insurance

Cover: lump sum pay out based on number of overnight stays in hospital, maximum thirty (30) nights per year.

In addition to the Hospitalization cover BIMA Sehat service includes:

Health programs:

Access to one health program, chosen by the Subscriber from a menu of health programs provided by MILVIK. Health programs include periodic delivery of program-specific content through different communication channels. The health program is only available for the Subscriber.

Tele-Consultation:

Unlimited access to tele-consultations with MILVIK doctors to address acute minor ailments and to receive medical advice on general health topics, however, these may not be used for urgent conditions. The teleconsultations are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.

Specialist Consultation:

Access to specialists (gynecologist, pediatrician, nutritionist and psychologist/psychiatrist) for your health needs in both consultative and health advice related matters. The specialist services are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.

DISCLAIMER/ TERMS OF USE of BIMA SEHAT Consultations

TERMS OF USE

THIS DOCUMENT IS AN AGREEMENT BETWEEN YOU AND MILVIK, WHICH CONTAINS THE TERMS AND CONDITIONS YOU AGREE TO WHEN YOU USE THE BIMA SEHAT PRODUCT. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE OUR SERVICES. WE MAY UPDATE THESE TERMS OF USE FROM TIME TO TIME. WE ENCOURAGE YOU TO REVIEW THESE TERMS PERIODICALLY. YOUR CONTINUED USE OF OUR SERVICES (AS DEFINED BELOW) INDICATES YOUR ACCEPTANCE OF THE CHANGED TERMS OF USE.

Any reference to “MILVIK”, “our”, “us”, or “we” are references to MILVIK Mobile Pakistan (Pvt.) Limited, a private company registered in Pakistan (company number 90585), the registered office being 3rd Floor, New Liberty Tower, Model Town Link Road, Model Town, Lahore, Pakistan.

Services Provided:

MILVIK provides real-time medical consultations with licensed physicians (“BIMA Doctors”) through telephone, video, SMS, apps or other means for the purpose of providing advice and/or recommendations on medical and health issues (“Services”). MILVIK may also offer other health-related services provided in partnership with local providers, which may include hospitals, diagnostic laboratories or pharmacies (together with the BIMA Doctors, the “Providers”).

MILVIK facilitates access to Providers who have agreed to provide medical and health advice and services to customers. It does not interfere with the practice of medicine or other licensed profession by BIMA Doctors and MILVIK does not impose any guidelines or protocols that restrict the actions of BIMA Doctors.

Use of MILVIK health Services is NOT FOR EMERGENCIES:

Our Services are NOT for use in potential or actual medical emergencies or if you have a condition that you know will require a physical examination. If this is the case, you should visit your nearest emergency room. You must not delay your visit to the emergency room in anticipation of obtaining medical advice from a BIMA Doctor through MILVIK.

Relationship with your Primary Care Physician:

Your interaction with the BIMA Doctors through our Services is not intended to replace your relationship with your existing primary care physician or other healthcare professional or be your permanent medical access point. You should seek emergency help or follow-up care when recommended by a BIMA Doctor or when otherwise needed and continue to consult with your primary care physician and other health care professionals as necessary. Consult your primary care physician or health care professional as relevant if you have any questions about any symptoms or medical condition, and before starting or stopping any treatment by your physician or health care professional.

Medication Policy:

MILVIK will provide you with access to BIMA Doctors that are appropriately qualified and experienced to practice medicine. Subject to all applicable laws, such BIMA Doctor may recommend a medication as deemed appropriate. BIMA Doctors cannot guarantee the availability, effectiveness, authenticity, reliability, safety, legality or quality of the recommended medicine. MILVIK does not guarantee that a BIMA Doctor will recommend or issue medication, and does not endorse, recommend or make any representation or warranty about the medicines recommended or prescribed by the BIMA Doctor.

You agree that any medication recommended to you from a BIMA Doctor shall be solely for your personal use. You agree to fully and carefully read all product information and labels before use and to contact a physician or pharmacist if you have any questions regarding the medicine. You agree that you are using our Services only for yourself, or on behalf of a child under 18 in your capacity as his/her parent or legal guardian, provided that you supervise the child’s use of the Services at all times. MILVIK may suspend services or terminate customer accounts if we reasonably suspect that such accounts are being used in breach of the restrictions in this section.

Privacy:

When you sign up for the Services, you agree that the Providers will communicate with you, by sending information, messages and notices to you. These messages may be conveyed or sent via email, SMS, notifications, etc, using the contact information associated with your account, which includes the information you provide when you register or update information in your account settings. You also agree that MILVIK may retain your medical records and that such records will be held in compliance with all applicable laws. MILVIK may record calls and other communications with you for quality assurance purposes.

Intellectual Property Rights:

You may communicate materials containing our copyrights, trademarks, trade secrets, patents, or other intellectual property rights (“IPR”) to your physician or health care professional only. You are not permitted to copy, distribute or make any business use of our IPR.

Informed Consent:

Tele-health is the delivery of health care services using interactive audio and/or video technology, where the patient and the BIMA Doctor are not in the same physical location. During your tele-health consultation with a BIMA Doctor details of your medical or health history and personal health information may be discussed through the use of interactive audio, video, and/or other telecommunications technology, and the BIMA Doctor may perform a physical exam through these technologies. Depending on your medical or health history and/or specific complaint, you may be asked to provide information through other electronic means and verify your identity with a national identity card or other legal document.

Limitations of Tele-Health:

There are potentials risks associated with the use of tele-health, including, but not limited to:

  • a. In some instances, the information transmitted may be of insufficient quality to allow for appropriate medical or health care decision making by the BIMA Doctor (i.e., poor call quality, poor resolution of images, etc.);
  • b. Delays in evaluation or treatment could occur due to failure of the electronic equipment or technical failures outside of our control. We are not responsible to you if this happens, but if it does, we will notify you as soon as we can and take the steps that we reasonably can to minimize the interruption to the Services;
  • c. In some instances, a lack of access to your complete medical records and incomplete or inaccurate disclosure by the patient may result in adverse drug reactions or allergic reactions or other judgment errors;
  • d. Although the electronic systems we use will incorporate networks and software security protocols to protect the privacy and security of health information, in some instances, security protocols may fail and cause a breach of privacy and/or personal health information.

Complaints and Disputes:

You can always give us feedback on our Services by calling 042-111-119-878 or emailing us at [email protected].

If you have a complaint about our Services, we would like to resolve it as soon as possible. Please tell us about your complaint as soon as you can so that we can do this. We may ask you for certain details about you and your complaint in order to address it. Please provide these as soon as you can so that we can resolve your complaint quickly. We will tell you the outcome of our investigation into your complaint and give you the chance to discuss it with us. If we find that we have broken any of these terms and you suffer loss or damage, we are responsible for compensating you for that loss or damage if it was a foreseeable result of our breaking of these terms. We are not responsible for compensating you for indirect, incidental, special or consequential damages.

These terms are governed by Pakistani laws and the Pakistani courts shall have exclusive jurisdiction to hear any claim arising out of or in connection with these terms or the use of our products and services.

Acceptance of these terms of use:

By using the Services, you acknowledge that you understand and agree with the following:

  • While benefits may be expected from the use of tele-health, no results can be guaranteed or assured, my situation may not be addressed or improved, and in some cases, it can get worse;
  • If you think you have a medical emergency or if you have a condition that you know will require a physical examination, you are responsible for visiting your nearest emergency room;
  • The Services are not suitable for unsupervised use by persons under 18;
  • Subject to all applicable laws, our BIMA Doctor may decide that tele-health services are not appropriate for some or all of your treatment needs and, accordingly, may elect not to provide tele-health services to you through MILVIK.

Acknowledgement of the Customer

(Policy Terms and Conditions shall remain subject to the following)

  • MILVIK is the Insurance broker who has been authorized by IGI General Insurance Company Limited to bind cover on behalf of Insurer within the terms and conditions of this Insurance Policy. To cease daily deductions, the Subscriber must deregister the Subscriber’s BIMA SEHAT Plan by contacting MILVIK. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive credit balance.
  • In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) BIMA SEHAT Plan under the Insurance Policy (including through different Jazz mobile accounts):
    • The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the BIMA SEHAT Plans that the Subscriber has subscribed to;
    • Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two BIMA SEHAT Plans that the Subscriber subscribed to;

  • After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to share his details and information available with Jazz and as sought by IGI General Insurance and MILVIK or any other entity authorized by IGI General Insurance in this regard, for inter alia processing of the Policy, storing and processing data across countries, and more effectively providing the Insurance Service and payment of Insurance Cover; Jazz Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Jazz responsible for any consequences of sharing such information;
  • Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Jazz Services of the Customer/Subscriber and termination of his Connection; and
  • While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other number/short code or which are regarding award of any prize (whether money or in kind) in lieu of balance transfer or any call. Ignorance of this clause by Jazz Customer/Subscriber shall not accrue any liabilities/responsibilities on IGI General Insurance or Jazz including but not limited to liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber
  • Jazz, IGI, or MILVIK may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
  • Jazz, MILVIK, and IGI may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be the acceptance with the End User Price to be charged to provide the Insurance Policy;
  • IGI, Jazz, and MILVIK have the complete authority to stop offering BIMA SEHAT Plan or Policy at any time at their discretion.
  • The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the time of availing Jazz’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM Jacket). However in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to the extent of subject matter of these Terms and Conditions.
  • The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any dispute arising hereunder.
  • If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
  • This policy has been especially created to provide protection for those Jazz Customers who successfully apply for that protection and who pay the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
  • SMS to the Subscriber’s prepaid mobile service (from which daily deductions are made); If a notice is made by SMS, the notice is deemed to be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed
  • Notification placed on Jazz.com.pk or on the Insurer’s website at https://igiinsurance.com.pk/ ; or on www.milvikpakistan.com
  • By publication in a major newspaper in the Islamic Republic of Pakistan
I have already availed Personal Accident Insurance service, will this service be automatically enabled on my number?

No, you have to enroll yourself into this service, as BIMA Sehat service charges will be separately deducted from your JAZZ balance.

What documents are required for CLAIM?

CNIC, Final hospital invoice or Discharge report which states date of admission and discharge will be required for CLAIM.

How long will it take to get the amount reimbursed once CLAIM is generated?

The money is paid by check or mobile money within 3 – 10 working days after the submission of all documents.

On which conditions a person is not entitled for CLAIM?

Due to intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice. Due to an elective treatment, such as cosmetic surgery. Pregnancy and any complication arising from pregnancy will not be covered during the first 12 months of the policy becoming effective.

  • These terms and conditions are in addition to the general terms and conditions duly approved by PTA and agreed to by the customer in CSAF/eCSAF at the time of activation of connection/SIM.
  • Jazz reserves the right/discretion to set/change the price/rate of any offer/package/bundle or withdraw/change/revoke such offer/package/bundle at any time. Where required under PTA’s regulations, prior notice shall be given to affected customers accordingly.
  • Offer Price/charges of each offer/package/bundle shall be subject to all applicable taxes, if any, irrespective of the fact in which area of the country the requisite offer/package/bundle is activated/service availed.
  • The charging system reserves certain proportion of available data volume in MBs of your package against opening/accessing of each application/website on the device, therefore, the simultaneous opening/accessing of multiple applications and/or websites may result in reserving all your available data volume in MBs of your package and may start charging on base rate of your package.
  • The amount of balance and recharge required for bundles may be rounded up to the nearest whole number.
  • In case of any queries, questions, complaints or additional requirements, please email us at: [email protected].
  • Unwanted and unethical (unreasonable) messages can be reported by texting SENDER’s NUMBER (SPACE) message to 9000 –PTA.
  • Using a SIM which is not in your name or allowing others to use your SIM is a crime – PTA.
  • Dial 420 to block unsolicited calls/messages (charges applicable).
  • Unsolicited marketing communication can be blocked using “Do Not Call Register” service by texting “ON” or “SUB” to 3627. It is a free of cost service provided to Jazz customers.
  • The term “Purchase of Sim” means procuring/acquiring connection to the network of PMCL by a customer for availing telecommunication and other related services from PMCL. SIM always remains the property of PMCL and by issuing SIM to customer, only rights to use are given and no ownership is transferred to the customer in any manner, whatsoever. The customer is bound to return the SIM to PMCL in case he stops using service or agreement is terminated or he changes the network through MNP.
  • Bill date for all postpaid subscribers will be changed to 2nd of every month in 2021. Due to this change, customers will get a separate bill for difference in days for execution month . Min/MB charging will be prorated as per package.
  • Details of applicable Taxes/charges on usage and recharge in Pakistan and AJK are given below:
  • Advance income tax rate is @15% on each recharge.
  • Rate of sales tax in Federal Territory of Islamabad is 16%.
  • Rate of sales tax in rest of Pakistan and AJK is 19.5%.
  • GB is exempted from taxes.
  • A late payment fee of PKR 50 will be charged on bills remaining unpaid after the due date.

Registration

Complete your registration a BIMA agent will call you in 24 hours.

Once you’ve subscribed to BIMA Sehat, any personal information you provide to BIMA/Milvik shall be handled by BIMA as per the following Bima Privacy Policy, which is also available at the following link www.milvikpakistan.com

OVERVIEW

Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through his monthly postpaid bill.

How to subscribe:

Call 042-111-119-878 or SMS “BIMA Sehat” to 9878 and an agent will call* you to guide and help subscribe to the service *MILVIK agent will call you within 24 working hours There are no charges for sending an SMS to 9878.

Plan Monthly Price Maximum sum assured per night (max 30 nights per year)
Silver Rs. 44.84 Rs.1,000
Gold Rs. 89.70 Rs.2,000
Platinum Rs. 224.23 Rs.5,000
Diamond Rs. 448.44 Rs.10,000

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 MILVIK 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.

BIMA Pakistan is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations across Asia and Africa.

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.

BIMA SEHAT POLICY

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 be hospitalized due to any reason (with the exception of the exclusions) the Company will pay to the Insured Person or his beneficiary

DEFINITIONS

  • BIMA SEHAT means monthly hospitalization insurance policy with Tele-Health Services
  • IGI refers to the COMPANY, the INSURER, or IGI General Insurance Company Limited.
  • APPLICANT means the individual who applies for BIMA Sehat Plan under this Policy.
  • BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
  • INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
  • MILVIK refers to MILVIK Mobile Pakistan.
  • The COMPANY is stated as IGI General Insurance Company Limited.
  • ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
  • END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium, Jazz’s Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.
  • HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical practitioner.”
  • HOSPITALISATION staying minimum of one night in a facility recognized as hospital.
  • INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
  • INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
  • INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.
  • The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy
  • The INSURER is stated as IGI General Insurance Company Limited.
  • MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
  • PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
  • SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
  • JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
  • JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
  • JAZZ SYSTEMS mean Jazz’s GSM mobile cellular system.
  • JAZZ PAYMENT TERMS means Jazz’s payment terms published at jazz.com.pk , as revised from time to time.

EXCLUSIONS

The 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:

  • Intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice;
  • Elective treatment, such as cosmetic surgery; and
  • Pregnancy and any complications arising from pregnancy during the first nine (9) months from the Subscription.

GENERAL PROVISIONS

1. Eligibility & Enrolment

Applicants are eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL the criteria set out below:

(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.

(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the BIMA Sehat Policy.

(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty-five (65) years of age at the time of registration.

(4) If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:

1. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;

2. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

3. confirm the BIMA Sehat Plan that the Applicant wishes to apply for;

4. authorize Jazz to charge every month from the postpaid account for the subscribed service and

5. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and

6. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

2. Mistake In Age

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.

3. Intentional False Statements Of The Insured

In the event of any concealment or misrepresentation the BIMA Sehat Policy shall become null and void with respect to the relevant Insured.

4. Notice Of Claims

the Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the 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.

(2) 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 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.

5. Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • Upon Death of Policy Holder or
  • Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.

6. Participation Requirement/Process

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:

1st Phase:

Name of the Customer:

Age or CNIC Number:

Name of the Beneficiary:

Relationship to Customer:

Insurance Benefits selected by Customer:

2nd phase:

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 Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.

7. Arbitration

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.

8. Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

9. Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder.

If an Insured is 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 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

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the hospitalization from the first night of hospitalization of the Insured will be according to the amount of premium paid and subject to the terms and conditions of the product.

Terms and conditions of this cover are as follows:

  • Only One (1) policy per applicant
  • A Claim must be intimated to the Company within two hundred & seventy (270) days from the date of first night of hospitalization
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract

The following actions shall be taken depending on the decision of renewal or non-renewal:

On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable.

On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month

The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to 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) cover levels.

Monthly Price

Method of Payment

Maximum sum assured per night (max 30 nights per year)

M-Health

Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health)

Rs. 44.84

Postpaid Bill

Rs.1,000

Unlimited

Unlimited

Rs. 89.70

Postpaid Bill

Rs.2,000

Unlimited

Unlimited

Rs. 224.23

Postpaid Bill

Rs.5,000

Unlimited

Unlimited

Rs. 448.44

Postpaid Bill

Rs.10,000

Unlimited

Unlimited

OVERVIEW

Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA accidental insurance product today! BIMA accidental insurance provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through his monthly postpaid bill.

How to subscribe:

Call 042-111-119-878 or SMS “BIMA accidental insurance” 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.

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

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 within 24 working hours with full information on how to process your claim.

The Insurance is underwritten by IGI General Insurance and delivered by BIMA.

BIMA Pakistan is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations across Asia and Africa.

BIMA is proud to have paid over $8 million in claims.

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.

BIMA PERSONAL ACCIDENT INSURANCE POLICY

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.

DEFINITIONS

  • ACCIDENT means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
  • ACCIDENT PROTECTION PLAN means one of the personal accident insurance covers under this Insurance Policy.
  • IGI refers to theCOMPANY, the INSURER, or IGI General Insurance Company Limited.
  • APPLICANT means the individual who applies for an Accident Protection Plan under this Policy.
  • BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
  • INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
  • BIMA refers to BIMA Pakistan.
  • BODILY INJURY means Bodily Injury which
    • is sustained by the Insured Person during the period of insurance and;
    • is caused by external, violent and visible means and;
    • is solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such Bodily Injury, occasions the death or Disablement of the Insured Person within twelve calendar months from the date of the Accident by which such Bodily Injury is caused.
  • The COMPANY is stated as IGI General Insurance Company Limited.
  • ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
  • END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium and Jazz’s Consideration on the telco services involved in the provision of Insurance Services.
  • HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical doctor.”
  • INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
  • INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
  • INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.
  • The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy.
  • The INSURER is stated as IGI General Insurance Company Limited.
  • MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
  • PERMANENT DISABLEMENT means TOTAL OR PARTIAL PERMANENT DISABLEMENT as defined here under:
    • TOTAL AND PERMANENT DISABLEMENT means the Insured Member has established to the satisfaction of Insurer that the Insured Member has been incapacitated by Injury to such an extent as to render the Insured Member unable ever to engage in or work for reward in any occupation or work (on a temporary basis, part-time basis or full-time basis) which the Insured Member is capable of performing by reason of his or her education, training or experience.
    • PERMANENT PARTIAL DISABLEMENT means all those bodily injuries which result in reducing the insured person’s ability to work as defined in the Table of Insurance Benefits.
  • PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
  • SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
  • JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
  • JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
  • JAZZ SYSTEMS means Jazz’s GSM mobile cellular system.
  • JAZZ PAYMENT TERMS means Jazz’s payment terms published at jazz.com.pk, as revised from time to time.

EXCLUSIONS

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:

  • Suicide or any attempt thereat (sane or insane).
  • Kidnapping for ransom.
  • To any death or injury sustained whilst the Insured is under the influence (temporarily or otherwise) of intoxicants, alcohol or drugs.
  • War, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that results in the declaration of a state of emergency on a local or national level.

GENERAL PROVISIONS

1. Eligibility & Enrolment

Applicants are eligible to apply for an Accident Protection Plan under the Policy if Applicants meet ALL the criteria set out below:

(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.

(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accident Policy.

(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.

(4) If the Applicant wishes to apply for and subscribe to an Accident Protection Plan under this Insurance Policy, the Applicant will be required during the registration process to:

i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;

ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

iii. confirm the Accident Protection Plan that the Applicant wishes to apply for;

iv. Authorize Jazz to make 30 daily deductions each month from the prepaid account and bill the amount for postpaid

a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and

b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

2. Mistake In Age

  • 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.

3. Intentional False Statements Of The Insured

  • In the event of any concealment or misrepresentation the Personal Accident Policy shall become null and void with respect to the relevant Insured.

4. Notice Of Claims

  • The Company shall be notified of the occurrence of Death of the Insured or the Permanent Disablement of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the date of Death or occurrence of Permanent Disablement after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.
  • (2) For each Claim reported, the Company shall obtain:
  • From the Claimant:
  • In case of Death:
  • 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.
  • In case of Permanent Disablement:
  • 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.

5. Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • Upon payment on Death or
  • Upon settlement of the Insured of the amount of insurance, including in the event of early termination of such relationship; or
  • Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.

6. Participation Requirement/Process

Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:

1st Phase:

Name of the Customer:

Age or CNIC Number:

Name of the Beneficiary:

Relationship to Customer:

Insurance Benefits selected by Customer:

2nd phase:

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 BIMA to a BIMA agent. This confirmation serves as digital signature for the Personal Accident Insurance Cover. After receiving positive response, the customer shall be enrolled under the Personal Accident Policy.

7. Arbitration

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.

8. Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

8. Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident Policy as defined hereunder. If an Insured dies or is permanently disabled due to an Accident as defined herein, on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the 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, as full and final settlement of Death or Permanent Disablement Claim in respect of the deceased/disabled Insured.

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the 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.

Terms and conditions of this cover are as follows:

  • Only One (1) policy per applicant.
  • A Claim must be intimated to the Company within two hundred & seventy days (270) days from the date of occurrence of the Death or Permanent Disablement.
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract:

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:

  • On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the occurrence of the accident is nonrefundable.
  • On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month.

The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

Charges and BIMA Cover Postpaid:

Plan **Monthly Price Maximum Cover/Benefit provided

Silver

Rs.75.31

Rs.225,000

Gold

Rs.120.05

Rs.450,000

Platinum

Rs.261.26

Rs.1,250,000

Diamond

Rs.475.01

Rs.2,500,000

Table of Insurance Benefit:

Death / Total bermanent Disablement % of maximum insurance benefit paid

Accidental death

100%

Amputation or Loss of use of two limbs

100%

Amputation or Loss of use of both hands, or of all fingers and both thumbs

100%

Total paralysis or Injuries resulting in being Permanently bedridden or Disablement

100%

Total insanity

100%

Total and irrevocable loss of all sight in both eyes

100%

PERMANENT PARTIAL DISABLEMENT % of maximum insurance benefit paid

Amputation or Loss of use of a limb

50%

Amputation or Loss of use of four fingers and thumb on one hand

50%

Total and irrevocable loss of all sight in one eye

50%

Total Loss of hearing or speech

50%

Burns – 3rd degree covering more than 9% of body

50%

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

PKR 1,000 Per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

75.27

1,000

72.76

967

70.25

933

67.74

900

65.23

867

62.72

833

60.22

800

57.71

767

55.20

733

52.69

700

50.18

667

47.66

633

45.16

600

42.65

567

40.41

533

37.64

500

35.13

500

32.62

500

30.11

500

27.60

500

25.09

500

22.58

500

20.07

500

17.56

500

15.05

500

12.55

500

10.04

500

7.53

500

5.02

500

2.51

500

0

Nil

PKR 2,250 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

120.10

2,250

116.10

2,175

112.09

2,100

108.09

2,025

104.09

1,950

100.08

1,875

96.08

1,800

92.08

1,725

88.07

1,650

84.07

1,575

80.07

1,500

76.06

1,425

72.06

1,350

68.06

1,275

64.05

1,200

60.05

1,125

56.05

1,050

52.04

975

48.04

900

44.04

825

40.03

750

36.03

675

32.03

600

28.02

525

24.02

500

20.02

500

16.01

500

12.01

500

8.01

500

4.00

500

0

Nil

PKR 5,500 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

235.90

5,500

228.04

5,316

220.17

5,134

212.31

4,950

204.45

4,766

196.58

4,584

188.72

4,400

180.86

4,216

172.99

4,034

165.13

3,850

157.27

3,666

149.40

3,484

141.45

3,300

133.68

3,116

125.81

2,934

117.95

2,750

110.09

2,566

102.22

2,384

94.36

2,201

86.50

2,018

78.63

1,835

70.77

1,652

62.91

1,469

55.04

1,286

47.18

1,103

39.32

920

31.45

737

23.59

554

15.73

500

7.86

500

0

Nil

PKR 12,000

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

428.95

12,000

414.65

11,600

400.35

11,200

386.06

10,800

371.76

10,400

357.46

10,000

343.16

9,600

328.86

9,200

314.56

8,800

300.27

8,400

285.97

8,000

271.67

7,600

257.37

7,200

243.07

6,800

228.77

6,400

214.48

6,000

200.18

5,600

185.88

5,200

171.58

4,800

157.28

4,400

142.98

4,000

128.69

3,600

114.39

3,200

100.09

2,800

85.79

2,400

71.49

2,000

57.19

1,600

42.90

1,200

28.60

800

14.30

500

0

Nil

Monthly Price

Daily Charges(PKR)

Method of Payment

Level of maximum insurance cover provided

Funeral Expense (PKR)

Hosipatlization due to Accident (PKR)

Rs.75.27

Rs.2.51

Prepaid balance

PKR 225,000

40,000

600

Rs.120.05

Rs.4.00

Prepaid balance

PKR 450,000

80,000

1,200

Rs.261.26

Rs.8.71

Prepaid balance

PKR 1,250,000

180,000

3,000

Rs.475.01

Rs.15.83

Prepaid balance

PKR 2,500,000

360,000

6,000

PKR 225,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

75.31

225,000

72.80

217500

70.29

210,000

67.78

202,500

65.27

195,000

62.76

187,500

60.25

180,000

57.74

172,500

55.23

165,000

52.72

157,500

50.21

150,000

47.70

142,500

45.19

135,000

42.68

127,500

40.17

120,000

37.66

112,500

35.14

105,000

32.63

97,500

30.12

90,000

27.61

82,500

25.10

75,000

22.59

67,500

20.08

60,000

17.57

52,500

15.06

45,000

12.55

37,500

10.04

30,000

7.53

22,500

5.02

15,000

2.51

7,500

0

Nil

PKR 450,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

120.05

450,000

116.05

435,000

112.05

420,000

108.05

405,000

104.05

390,000

100.04

375,000

96.04

360,000

92.04

345,000

88.04

330,000

84.04

315,000

80.03

300,000

76.03

285,000

72.03

270,000

68.03

255,000

64.03

240,000

60.03

225,000

56.02

210,000

52.02

195,000

48.02

180,000

44.02

165,000

40.02

150,000

36.02

135,000

32.01

120,000

28.01

105,000

24.01

90,000

20.01

75,000

16.01

60,000

12.01

45,000

8.00

30,000

4.00

15,000

0

Nil

PKR 1,250,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

216.26

1,250,000

252.55

1,208,333

243.84

1,166,667

235,13

1,125,000

226.43

1,083,333

217.72

1,041,677

209.01

1,000,000

200.30

958,333

191.59

916,667

182.88

875,000

174.17

833,333

165.46

791,667

156.76

750,000

148.05

708,333

139.34

666.667

130.63

625,000

121.92

583,333

113.21

541,667

104.50

500,000

95.80

458,333

87.09

416,667

78.38

375,000

69.67

333,333

60.96

291,776

52.25

250,000

43.54

208,333

34.83

166,667

26.13

125,000

17.42

83,333

8.71

41,667

0

Nil

PKR 2,500,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

475.01

2,500,000

459.18

2,416,667

443.34

1,166,667

427.51

2,250,000

411.68

2,166,667

395.82

2.083,333

380.01

2,000,000

364.17

1,916,667

348.34

1,833,333

332.51

1,750,000

316.67

1,666,667

300.84

1,583,333

285.01

1,500,000

269.17

1,416,667

253.34

1,333,333

237.51

1,250,000

221.67

1,166,667

205.84

1,083,333

190.00

1,000,000

174.17

916,667

158.34

833,333

142.50

750,000

126.67

666,667

110.84

583,33

95.00

500,000

79.17

416,667

63.33

333,333

47.50

250,000

31.67

166,667

15.83

83,333

0

Nil

  • In addition to the Personal Accident Insurance Cover, the Insured is entitled to cover for each night spent in hospital (hospitalization) due to an Accident. For each night spent in hospital, the Insured is eligible for the greater of (i) PKR 500, or (ii) 0.25% of the monthly sum insured, according to the Insurance Cover level as described in the Insurance Benefits Section of the Policy Wording above. The Insured cannot claim both Personal Accident Insurance Cover and this additional cover for the same incident.
  • This additional cover is subject to the same terms and conditions as the Personal Accident cover meaning for example that: no cover will be provided if the Insured is not receiving any cover in the present month or if the Insured is ineligible because the Insured fails to meet the criteria or is in hospital due to an exclusion or in hospital for any other reason other than an Accident.

Acknowledgement of the Customer

(Policy Terms and Conditions shall remain subject to the following)

  • MILVIK is the Insurance broker who has been authorized by IGI General Insurance Company Limited to bind cover on behalf of Insurer within the terms and conditions of this Insurance Policy. To cease daily deductions, the Subscriber must deregister the Subscriber’s BIMA accidental insurance Plan by contacting MILVIK. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive credit balance.
  • In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) BIMA accidental insurance Plan under the Insurance Policy (including through different Jazz mobile accounts):
    • The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the BIMA accidental insurance Plans that the Subscriber has subscribed to;
    • Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two BIMA accidental insurance Plans that the Subscriber subscribed to;

  • After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to share his details and information available with Jazz and as sought by IGI General Insurance and MILVIK or any other entity authorized by IGI General Insurance in this regard, for inter alia processing of the Policy, storing and processing data across countries, and more effectively providing the Insurance Service and payment of Insurance Cover; Jazz Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Jazz responsible for any consequences of sharing such information;
  • Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Jazz Services of the Customer/Subscriber and termination of his Connection; and
  • While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other number/short code or which are regarding award of any prize (whether money or in kind) in lieu of balance transfer or any call. Ignorance of this clause by Jazz Customer/Subscriber shall not accrue any liabilities/responsibilities on IGI General Insurance or Jazz including but not limited to liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber
  • Jazz, IGI, or MILVIK may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
  • Jazz, MILVIK, and IGI may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be the acceptance with the End User Price to be charged to provide the Insurance Policy;
  • IGI, Jazz, and MILVIK have the complete authority to stop offering BIMA accidental insurance Plan or Policy at any time at their discretion.
  • The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the time of availing Jazz’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM Jacket). However in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to the extent of subject matter of these Terms and Conditions.
  • The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any dispute arising hereunder.
  • If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
  • This policy has been especially created to provide protection for those Jazz Customers who successfully apply for that protection and who pay the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
  • SMS to the Subscriber’s prepaid mobile service (from which daily deductions are made); If a notice is made by SMS, the notice is deemed to be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed
  • Notification placed on Jazz.com.pk or on the Insurer’s website at https://igiinsurance.com.pk/ ; or on www.milvikpakistan.com
  • By publication in a major newspaper in the Islamic Republic of Pakistan
When will a postpaid customer get covered for the Hospitalization Insurance?

Postpaid customer will get the cover from 2nd day of the registration.

What will happen if a postpaid customer number remains Inactive during the billing cycle?

If the customer does not become Active in the billing cycle, BIMA will not provide insurance coverage to the customer.

Will the charges for the postpaid customer be deducted upfront meaning after the confirmation or will it be deducted on daily basis?

Customer will be charged on prorate from the day service is subscribed till his bill date and customer will be charged in advance for every month.

How will a customer unsubscribe from this service?

For un- subscription from this service, customer will write “NO”, “Cancel” or “Unsub” in message and send it to 9878 OR customer can call on 042-111-119-878 anytime.

What will happen if a customer subscribes for the service and de-register it before the bill date. i.e., customer bill date is 21st Aug 2020, he is opting the service on 15th Aug and deregister the Service after two days on 17th Aug before the bill date.

Customer will get cover according to prorated charges and cover will be provided accordingly.

If a customer hasn’t paid his bill (considering number is not in suspended state) will he be eligible for the claim next month?

Yes, he will be covered as we have not associated the collection of bills with the cover of customer.

If Jazz customer number is in suspended state will he be eligible for cover next month or will his charges for BIMA be charged for next month?

Yes, customer will be charged and get cover.

If Customer is out of country and on Roaming in other country and he receives call from 042-111-119-878 can BIMA agent activate his service?

Yes, if BIMA agent speaks to the original customer and the customer is willing to opt in.

If customer is out of country and on Roaming will be eligible for claim if yes, then please confirm what will be the deduction criteria?

For postpaid customers as we charge them in bill, so customer will be eligible to get cover even if he is out of country.

  • These terms and conditions are in addition to the general terms and conditions duly approved by PTA and agreed to by the customer in CSAF/eCSAF at the time of activation of connection/SIM.
  • Jazz reserves the right/discretion to set/change the price/rate of any offer/package/bundle or withdraw/change/revoke such offer/package/bundle at any time. Where required under PTA’s regulations, prior notice shall be given to affected customers accordingly.
  • Offer Price/charges of each offer/package/bundle shall be subject to all applicable taxes, if any, irrespective of the fact in which area of the country the requisite offer/package/bundle is activated/service availed.
  • The charging system reserves certain proportion of available data volume in MBs of your package against opening/accessing of each application/website on the device, therefore, the simultaneous opening/accessing of multiple applications and/or websites may result in reserving all your available data volume in MBs of your package and may start charging on base rate of your package.
  • The amount of balance and recharge required for bundles may be rounded up to the nearest whole number.
  • In case of any queries, questions, complaints or additional requirements, please email us at : [email protected].
  • Unwanted and unethical (unreasonable) messages can be reported by texting SENDER’s NUMBER (SPACE) message to 9000 –PTA
  • Using a SIM which is not in your name or allowing others to use your SIM is a crime – PTA
  • Dial 420 to block unsolicited calls/messages (charges applicable).
  • Unsolicited marketing communication can be blocked using “Do Not Call Register” service by texting “ON” or “SUB” to 3627. It is a free of cost service provided to Jazz customers.
  • The term “Purchase of Sim” means procuring/acquiring connection to the network of PMCL by a customer for availing telecommunication and other related services from PMCL. SIM always remains the property of PMCL and by issuing SIM to customer, only rights to use are given and no ownership is transferred to the customer in any manner, whatsoever. The customer is bound to return the SIM to PMCL in case he stops using service or agreement is terminated or he changes the network through MNP.
  • Bill date for all postpaid subscribers will be changed to 2nd of every month in 2021. Due to this change, customers will get a separate bill for difference in days for execution month . Min/MB charging will be prorated as per package.
  • Details of applicable Taxes/charges on usage and recharge in Pakistan and AJK are given below:
  • Advance income tax rate is @15% on each recharge.
  • Rate of sales tax in Federal Territory of Islamabad is 16%.
  • Rate of sales tax in rest of Pakistan and AJK is 19.5%.
  • GB is exempted from taxes.
  • A late payment fee of PKR 50 will be charged on bills remaining unpaid after the due date.
OVERVIEW

An unexpected misfortune may hit anyone at any time, secure your family’s future by getting BIMA plan today! BIMA is an Accidental Insurance Product aimed at providing you or your family with financial security. It’s Hassle Free & It’s Paper Free.

How to subscribe:

Call 042-111-119-878 and an agent will help you subscribe to the service OR SMS “BIMA” to 9878 and an agent will *call you to guide and help subscribe to the service.
*MILVIK agents will call you within 24 working hours. Also, there are no charges for sending an SMS to 9878

Plan **Monthly Price Maximum Cover/Benefit Provided
Silver Rs.49.67 Rs.200,000
Gold Rs.99.31 Rs.400,000
Platinum Rs.248.30 Rs.1,000,000
Diamond Rs.496.62 Rs.2,000,000

Postpaid:

For post-paid accounts, successful withdrawal represents billing and payment of the entire monthly premium due. If payment is made, corresponding cover is issued for Rs.49.67, Rs.99.30, Rs.248.30, or Rs.496.62 Premium plans as stated above. Please note that customer will be charge on prorate basis at the time of subscription till the bill date and on the bill date and advance rental will be charged and customer will be entitled for the cover accordingly.

Postpaid:

Subscriber is eligible for the maximum corresponding cover level/ benefit the day after the confirmation of his service subscription.

How do I Claim:

SMS ‘CLAIM’ to 9878 or call 042-111-119-878 within 270 days of the accident and a BIMA representative will contact you within 24 working hours with full information on how to process your claim.

The Insurance is underwritten by IGI General Insurance and delivered by BIMA.

BIMA Pakistan is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations in across Asia, Africa, Latin America, and the Caribbean. BIMA is proud to have paid over $8 million in claims. 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.

BIMA PERSONAL ACCIDENT INSURANCE POLICY

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.

DEFINITIONS

  • ACCIDENT means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
  • ACCIDENT PROTECTION PLAN means one of the personal accident insurance covers under this Insurance Policy.
  • IGI refers to the COMPANY, the INSURER, or IGI General Insurance Company Limited.
  • APPLICANT means the individual who applies for an Accident Protection Plan under this Policy.
  • BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
  • INSURANCE BENEFIT(S) are amounts payable in the event of an indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
  • BIMA refers to BIMA Pakistan.
  • BODILY INJURY means Bodily Injury which
    • is sustained by the Insured Person during the period of insurance and;
    • is caused by external, violent and visible means and;
    • is solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such Bodily Injury, occasions the death or Disablement of the Insured Person within twelve calendar months from the date of the Accident by which such Bodily Injury is caused.
  • The COMPANY is stated as IGI General Insurance Company Limited.
  • ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
  • END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium and Jazz’s Consideration on the telco services involved in the provision of Insurance Services.
  • HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the supervision of a registered and qualified medical doctor.”
  • INSURANCE COVER means the amount which shall be paid by IGI to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
  • INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
  • INSURANCE SERVICES shall mean the insurance services to be provided to Jazz Customers.
  • The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy.
  • The INSURER is stated as IGI General Insurance Company Limited.
  • MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
  • PERMANENT DISABLEMENT means TOTAL OR PARTIAL PERMANENT DISABLEMENT as defined here under:
    • TOTAL AND PERMANENT DISABLEMENT means the Insured Member has established to the satisfaction of Insurer that the Insured Member has been incapacitated by Injury to such an extent as to render the Insured Member unable ever to engage in or work for reward in any occupation or work (on a temporary basis, part-time basis or full-time basis) which the Insured Member is capable of performing by reason of his or her education, training or experience
    • PERMANENT PARTIAL DISABLEMENT means all those bodily injuries which result in reducing the insured person’s ability to work as defined in the Table of Insurance Benefits.
  • PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
  • SUBSCRIBER means those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
  • JAZZ refers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
  • JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
  • JAZZ SYSTEMS means Jazz’s GSM mobile cellular system.
  • JAZZ PAYMENT TERMS means Jazz’s payment terms published at jazz.com.pk , as revised from time to time.

EXCLUSIONS

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:

  • Suicide or any attempt thereat (sane or insane).
  • Kidnapping for ransom.
  • To any death or injury sustained whilst the Insured is under the influence (temporarily or otherwise) of intoxicants, alcohol or drugs.
  • War, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that results in the declaration of a state of emergency on a local or national level.

GENERAL PROVISIONS

1. Eligibility & Enrolment

Applicants are eligible to apply for an Accident Protection Plan under the Policy if Applicants meet ALL the criteria set out below:

(1) Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.

(2) All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accident Policy.

(3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.

(4) If the Applicant wishes to apply for and subscribe to an Accident Protection Plan under this Insurance Policy, the Applicant will be required during the registration process to:

i. acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;

ii. confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

iii. confirm the Accident Protection Plan that the Applicant wishes to apply for;

iv. Authorize Jazz to make 30 daily deductions each month from the prepaid account and bill the amount for postpaid

a. the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and

b. if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

2. Mistake In Age

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.

3. Intentional False Statements Of The Insured

In the event of any concealment or misrepresentation the Personal Accident Policy shall become null and void with respect to the relevant Insured.

4. Notice Of Claims

The Company shall be notified of the occurrence of Death of the Insured or the Permanent Disablement of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the date of Death or occurrence of Permanent Disablement after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.

(2) For each Claim reported, the Company shall obtain:

From the Claimant:

In case of Death:

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.

In case of Permanent Disablement:

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.

5. Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • Upon payment on Death or
  • Upon settlement of the Insured of the amount of insurance, including in the event of early termination of such relationship; or
  • Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.

6. Participation Requirement/Process

Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:

1st Phase:

Name of the Customer:

Age or CNIC Number:

Name of the Beneficiary:

Relationship to Customer:

Insurance Benefits selected by Customer:

2nd phase:

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 BIMA to a BIMA agent. This confirmation serves as digital signature for the Personal Accident Insurance Cover. After receiving positive response, the customer shall be enrolled under the Personal Accident Policy.

7. Arbitration

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.

8. Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

9. Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident Policy as defined hereunder. If an Insured dies or is permanently disabled due to an Accident as defined herein, on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the 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, as full and final settlement of Death or Permanent Disablement Claim in respect of the deceased/disabled Insured.

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the 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.

Terms and conditions of this cover are as follows:

  • Only One (1) policy per applicant.
  • A Claim must be intimated to the Company within two hundred & seventy days (270) days from the date of occurrence of the Death or Permanent Disablement.
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract:

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:

  • On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the occurrence of the accident is nonrefundable.
  • On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month.

The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

Charges and BIMA Cover Postpaid:

Plan

**Monthly Price

Maximum Cover/Benefit provided

Silver

Rs.49.67

Rs.200,000

Gold

Rs.99.31

Rs.400,000

Platinum

Rs.248.30

Rs.1,000,000

Diamond

Rs.496.62

Rs.2,000,000

Table of Insurance Benefit:

Death / Total Permanent Disablement

% of maximum insurance benefit paid

Accidental death

100%

Amputation or Loss of use of two limbs

100%

Amputation or Loss of use of both hands, or of all fingers and both thumbs

100%

Total paralysis or Injuries resulting in being Permanently bedridden or Disablement

100%

Total insanity

100%

Total and irrevocable loss of all sight in both eyes

100%

PARMANENT PARTIAL DISABLEMENT % of maximum insurance benefit paid

Amputation or Loss of use of a limb

50%

Amputation or Loss of use of four fingers and thumb on one hand

50%

Total and irrevocable loss of all sight in one eye

50%

Total Loss of hearing or speech

50%

Burns – 3rd degree covering more than 9% of body

50%

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

PKR 1,000 Per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

75.27

1,000

72.76

967

70.25

933

67.74

900

65.23

867

62.72

833

60.22

800

57.71

767

55.20

733

52.69

700

50.18

667

47.66

633

45.16

600

42.65

567

40.41

533

37.64

500

35.13

500

32.62

500

30.11

500

27.60

500

25.09

500

22.58

500

20.07

500

17.56

500

15.05

500

12.55

500

10.04

500

7.53

500

5.02

500

2.51

500

0

Nil

PKR 2,250 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

120.10

2,250

116.10

2,175

112.09

2,100

108.09

2,025

104.09

1,950

100.08

1,875

96.08

1,800

92.08

1,725

88.07

1,650

84.07

1,575

80.07

1,500

76.06

1,425

72.06

1,350

68.06

1,275

64.05

1,200

60.05

1,125

56.05

1,050

52.04

975

48.04

900

44.04

825

40.03

750

36.03

675

32.03

600

28.02

525

24.02

500

20.02

500

16.01

500

12.01

500

8.01

500

4.00

500

0

Nil

PKR 5,500 per night

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

235.90

5,500

228.04

5,316

220.17

5,134

212.31

4,950

204.45

4,766

196.58

4,584

188.72

4,400

180.86

4,216

172.99

4,034

165.13

3,850

157.27

3,666

149.40

3,484

141.45

3,300

133.68

3,116

125.81

2,934

117.95

2,750

110.09

2,566

102.22

2,384

94.36

2,201

86.50

2,018

78.63

1,835

70.77

1,652

62.91

1,469

55.04

1,286

47.18

1,103

39.32

920

31.45

737

23.59

554

15.73

500

7.86

500

0

Nil

PKR 12,000

Amount of End User Price paid in calendar month (PKR)

Per night cover in the following calendar month

428.95

12,000

414.65

11,600

400.35

11,200

386.06

10,800

371.76

10,400

357.46

10,000

343.16

9,600

328.86

9,200

314.56

8,800

300.27

8,400

285.97

8,000

271.67

7,600

257.37

7,200

243.07

6,800

228.77

6,400

214.48

6,000

200.18

5,600

185.88

5,200

171.58

4,800

157.28

4,400

142.98

4,000

128.69

3,600

114.39

3,200

100.09

2,800

85.79

2,400

71.49

2,000

57.19

1,600

42.90

1,200

28.60

800

14.30

500

0

Nil

Monthly Price

Daily Charges(PKR)

Method of Payment

Level of maximum insurance cover provided

Funeral Expense (PKR)

Hosipatlization due to Accident (PKR)

Rs.75.27

Rs.2.51

Prepaid balance

PKR 225,000

40,000

600

Rs.120.05

Rs.4.00

Prepaid balance

PKR 450,000

80,000

1,200

Rs.261.26

Rs.8.71

Prepaid balance

PKR 1,250,000

180,000

3,000

Rs.475.01

Rs.15.83

Prepaid balance

PKR 2,500,000

360,000

6,000

PKR 225,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

75.31

225,000

72.80

217500

70.29

210,000

67.78

202,500

65.27

195,000

62.76

187,500

60.25

180,000

57.74

172,500

55.23

165,000

52.72

157,500

50.21

150,000

47.70

142,500

45.19

135,000

42.68

127,500

40.17

120,000

37.66

112,500

35.14

105,000

32.63

97,500

30.12

90,000

27.61

82,500

25.10

75,000

22.59

67,500

20.08

60,000

17.57

52,500

15.06

45,000

12.55

37,500

10.04

30,000

7.53

22,500

5.02

15,000

2.51

7,500

0

Nil

PKR 450,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

120.05

450,000

116.05

435,000

112.05

420,000

108.05

405,000

104.05

390,000

100.04

375,000

96.04

360,000

92.04

345,000

88.04

330,000

84.04

315,000

80.03

300,000

76.03

285,000

72.03

270,000

68.03

255,000

64.03

240,000

60.03

225,000

56.02

210,000

52.02

195,000

48.02

180,000

44.02

165,000

40.02

150,000

36.02

135,000

32.01

120,000

28.01

105,000

24.01

90,000

20.01

75,000

16.01

60,000

12.01

45,000

8.00

30,000

4.00

15,000

7.86

500

0

Nil

PKR 1,250,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

216.26

1,250,000

252.55

1,208,333

243.84

1,166,667

235,13

1,125,000

226.43

1,083,333

217.72

1,041,677

209.01

1,000,000

200.30

958,333

191.59

916,667

182.88

875,000

174.17

833,333

165.46

791,667

156.76

750,000

148.05

708,333

139.34

666.667

130.63

625,000

121.92

583,333

113.21

541,667

104.50

500,000

95.80

458,333

87.09

416,667

78.38

375,000

69.67

333,333

60.96

291,776

52.25

250,000

43.54

208,333

34.83

166,667

26.13

125,000

17.42

83,333

8.71

41,667

0

Nil

PKR 2,500,000 Policy:

Amount of End User Price paid in calendar month (PKR)

Insurance Cover in the following calendar month

475.01

2,500,000

459.18

2,416,667

443.34

1,166,667

427.51

2,250,000

411.68

2,166,667

395.82

2.083,333

380.01

2,000,000

364.17

1,916,667

348.34

1,833,333

332.51

1,750,000

316.67

1,666,667

300.84

1,583,333

285.01

1,500,000

269.17

1,416,667

253.34

1,333,333

237.51

1,250,000

221.67

1,166,667

205.84

1,083,333

190.00

1,000,000

174.17

916,667

158.34

833,333

142.50

750,000

126.67

666,667

110.84

583,33

95.00

500,000

79.17

416,667

63.33

333,333

47.50

250,000

31.67

166,667

15.83

83,333

0

Nil


  • In addition to the Personal Accident Insurance Cover, the Insured is entitled to cover for each night spent in hospital (hospitalization) due to an Accident. For each night spent in hospital, the Insured is eligible for the greater of (i) PKR 500, or (ii) 0.25% of the monthly sum insured, according to the Insurance Cover level as described in the Insurance Benefits Section of the Policy Wording above. For example, if the customer is deducted Rs.60 and receives Rs.400,000 of monthly Personal Accident Insurance Cover, and the Insured is hospitalized due to an accident for 2 nights but not permanently disabled, the Insured will receive Rs.2000 of cover. This additional cover is paid out for a maximum of 30 nights in a given year. The Insured cannot claim both Personal Accident Insurance Cover and this additional cover for the same incident.
  • Post-Paid subscriber is entitled for 500/ per night for Silver plan, 1000/ per night for Gold, 2500/ per night for Platinum & 5000/per night for Diamond plan.
  • This additional cover is subject to the same terms and conditions as the Personal Accident cover meaning for example that: no cover will be provided if the Insured is not receiving any cover in the present month or if the Insured is ineligible because the Insured fails to meet the criteria or is in hospital due to an exclusion or in hospital for any other reason other than an Accident.
  • In light of recent orders of the Supreme Court of Pakistan, Sales Tax and Advance Income Tax are not being collected from Postpaid Consumers in Pakistan w.e.f. 16th Oct 2018. The tax amount mentioned in the bill (if any) is related to the amounts incurred upto 15th Oct 2018.

Acknowledgement of the Customer

(Policy Terms and Conditions shall remain subject to the following)

  • Bima is the Insurance broker who has been authorized by IGI General Insurance Company Limited to bind cover on behalf of Insurer within the terms and conditions of this Insurance Policy. To cease daily deductions, the Subscriber must deregister the Subscriber’s Accident Protection Plan by contacting Bima. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive credit balance.
  • In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) Accident Protection Plan under the Insurance Policy (including through different Jazz mobile accounts):
    • The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the Accident Protection Plans that the Subscriber has subscribed to;
    • Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two Accident Protection Plans that the Subscriber subscribed to;
  • After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to share his details and information available with Jazz and as sought by IGI General Insurance and Bima or any other entity authorized by IGI General Insurance in this regard, for inter alia processing of the Policy, storing and processing data across countries, and more effectively providing the Insurance Service and payment of Insurance Cover; Jazz Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Jazz responsible for any consequences of sharing such information;
  • Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Jazz Services of the Customer/Subscriber and termination of his Connection; and
  • While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other number/short code or which are regarding award of any prize (whether money or in kind) in lieu of balance transfer or any call. Ignorance of this clause by Jazz Customer/Subscriber shall not accrue any liabilities/responsibilities on IGI General Insurance or Jazz including but not limited to liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber.
  • Jazz, IGI, or Bima may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
  • Jazz, Bima, and IGI may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be the acceptance with the End User Price to be charged to provide the Insurance Policy;
  • IGI, Jazz, and Bima have the complete authority to stop offering the Accident Protection Plan or Policy at any time at their discretion.
  • The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the time of availing Jazz’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM Jacket). However in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to the extent of subject matter of these Terms and Conditions.
  • The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any dispute arising hereunder.
  • If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
  • This policy has been especially created to provide protection for those Jazz Customers who successfully apply for that protection and who pay the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
  • SMS to the Subscriber’s mobile service (from which daily deductions are made); If a notice is made by SMS, the notice is deemed to be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed.
  • Notification placed on Jazz.com.pk or on the Insurer’s website at https://igiinsurance.com.pk/ ; or on www.milvikpakistan.com. by publication in a major newspaper in the Islamic Republic of Pakistan.
When will a postpaid customer get covered for the Accidental Insurance?

Postpaid customer will get the cover from 2nd day of the registration. BIMA will pay the premium for the cover from the date of confirmation till the customer’s bill date out of goodwill.

What will happen if a postpaid customer number remains Inactive during the billing cycle?

If the customer does not become Active in the billing cycle, BIMA will not provide insurance coverage to the customer.

Will the charges for the postpaid customer will be deducted upfront after the confirmation or will it be deducted on daily basis?

As soon as the customer is confirmed, the monthly amount will be deducted upfront and there won’t be daily deductions.

How will a customer unsubscribe from this service?

For un- subscription from this service, you have to write “NO”, “Cancel” or “Unsub” in message and send it to 9878 OR you can call on 042-111-119-878 anytime.

OVERVIEW

Jazz and EFU Life have partnered together to launch Hifazat Program. Through this program, Jazz subscribers can opt for Tahaffuz Plans which includes low-cost nano insurance products with unique benefits including income continuation, education continuation, accidental cover and coverage for major medical illnesses. In addition, the customer’s entire family can utilize virtual health care benefits. Virtual health care service is provided by EFU Life’s dedicated mHealth Platform called EFU mHealth where users have access to doctors, fitness videos and lifestyle content.

Hafiz Plan is a monthly protection bundle that is paid for by the Subscriber through daily deductions from his/her airtime balance.

How to subscribe:

Call 042-111-333-033 or SMS to 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Tahaffuz Plan.

Plan

**Daily

Monthly

Monthly Education Continuation Benefit for 12 months (PKR)

Monthly Income Continuation Benefit for 12 months (PKR)

ACCIDENTAL DEATH Sum Assured (PKR)

EFU mHealth Subscription

Silver

3.15

94.5

2,000

10,000

250,000

Unlimited per month for family

Gold

4.4

132

3,000

15,000

350,000

Unlimited per month for family

Platinum

5.98

179.4

5,000

20,000

500,000

Unlimited per month for family

Prepaid: The monthly price is charged in installments over 30 days

**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions

**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction

Postpaid Service will be launched for postpaid soon.

How do I Claim:

SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.

Hafiz Plan is underwritten and distributed by EFU Life

EFU Life is a leading life insurance company and is part of largest insurance group in Pakistan which provides insurance coverage to millions of Pakistanis.

Jazz Telecom is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to Hafiz Plan and EFU Life Insurance’s performance of its obligation.

1. DEFINITIONS

In these provisions:

HAAFIZ PLUS PLAN means a term assurance product which provides a guaranteed level of life insurance protection against death, accidental permanent total disability alongwith Telehealth Services.

ACCIDENT means accidental bodily injury which is caused solely by violent, external and accidental means resulting directly and independently of all other causes.

AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.

COMPANY means EFU Life Assurance Limited.

ELIGIBLE PERSON means customers of the Group Policy Holder, male or female Pakistani nationals, who is eligible for insurance cover under this policy in accordance with Clause 2 of these provisions and conditions.

COMMENCEMENT DATE means the date on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Member

GROUP POLICY HOLDER means Pakistan Mobile Communications Limited or Jazz.

ENROLLMENT DATE means the date on which the Member was initially enrolled under this Policy.

ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which an Insured Person was initially enrolled under this Policy.

MOBILE NETWORK OPERATOR means Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan and having its registered office at 1-A Kohistan Road, DHQ-1 F-8 Markaz, Islamabad, Pakistan.

MEMBER means an Eligible Person who is to be included in this policy after giving his valid documented or recorded consent to purchase this insurance and pay required premium amount.

NOMINEE means a person or persons appointed by the Member (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under the policy.

POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.

RENEWAL means any subsequent monthiversary of the Commencement Date.

RENEWAL ENROLLMENT means Re-enrolment of the Member into this Policy upon payment of premium on Renewal Date.

SICKNESS means sickness or disease contracted for the first time after the Commencement Date or Renewal Date.

Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.

2. ELIGIBILITY

The eligible persons for this Policy are the present and future customers of the Group Policy Holder who are within the Eligibility Age range i.e. 18 to 66 years and have given their valid consent to opt for insurance cover under this policy. Any Member shall not be eligible for multiple enrollments at a single point in time

3. EFFECTIVE DATE OF INDIVIDUAL ASSURANCE

Member will become eligible from 1st day of next calendar month following the date on which the premium is paid after acceptance of the application by the Member

4. EVIDENCE OF AGE

Evidence of age of a Member satisfactory to the Company will be required before any benefit in respect of him/her is paid under this Policy and if after commencement of the insurance cover hereunder the date of birth of any Member is found to have been incorrectly notified to the Company, the Company shall notify the Group Policyholder of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Member is found to be more than maximum eligibility age of 66 years.

5. AMOUNT & CALCULATION OF PREMIUM

Premiums under this Policy are payable by the Group Policy Holder at such office/ offices of the Company as the Company may designate in writing to the Group Policy Holder from time to time. The Company may authorize the Corporate Insurance Agent to collect premium from the Group Policy Holder on its behalf. Such authorization will be in writing and provided to the Group Policy Holder.

Premiums are due by the 1st of each calendar month for all such eligible Members, who are to be covered as per the terms and conditions of the Policy. At the time of initial enrollment of the Member and at each subsequent Renewal Enrollment, the Group Policy Holder will calculate the monthly premium as per the following table:

Plan Category

Monthly Premium (PKR)

Daily Premium (PKR)

Silver

94.5

3.15

Gold

132

4.4

Platinum

179.4

5.98

The coverage will start from the 1st day of the next month. Where full premium for an insured Member is not paid any benefit amount will be adjusted on Pro rata basis as per the variant wise table below.

Silver

Amount of End User Price paid in calendar
month (PKR)

Education Continuation Benefit
(12 Months)

Income Continuation Benefit
(12 Months)

Accidental Death Benefit
(Lump sum)

EFU mHealth Subscription

Nil

Nil

Nil

Nil

Nil

3.15

66.67

333.33

8,333.33

Unlimited per month for family

6.3

133.33

666.67

16,666.67

Unlimited per month for family

9.45

200

1,000.00

25,000.00

Unlimited per month for family

12.6

266.67

1,333.33

33,333.33

Unlimited per month for family

15.75

333.33

1,666.67

41,666.67

Unlimited per month for family

18.9

400

2,000.00

50,000.00

Unlimited per month for family

22.05

466.67

2,333.33

58,333.33

Unlimited per month for family

25.2

533.33

2,666.67

66,666.67

Unlimited per month for family

28.35

600

3,000.00

75,000.00

Unlimited per month for family

31.5

666.67

3,333.33

83,333.33

Unlimited per month for family

34.65

733.33

3,666.67

91,666.67

Unlimited per month for family

37.8

800

4,000.00

100,000.00

Unlimited per month for family

40.95

866.67

4,333.33

108,333.33

Unlimited per month for family

44.1

933.33

4,666.67

116,666.67

Unlimited per month for family

47.25

1,000.00

5,000.00

125,000.00

Unlimited per month for family

50.4

1,066.67

5,333.33

133,333.33

Unlimited per month for family

53.55

1,133.33

5,666.67

141,666.67

Unlimited per month for family

56.7

1,200.00

6,000.00

150,000.00

Unlimited per month for family

59.85

1,266.67

6,333.33

158,333.33

Unlimited per month for family

63

1,333.33

6,666.67

166,666.67

Unlimited per month for family

66.15

1,400.00

7,000.00

175,000.00

Unlimited per month for family

69.3

1,466.67

7,333.33

183,333.33

Unlimited per month for family

72.45

1,533.33

7,666.67

191,666.67

Unlimited per month for family

75.6

1,600.00

8,000.00

200,000.00

Unlimited per month for family

78.75

1,666.67

8,333.33

208,333.33

Unlimited per month for family

81.9

1,733.33

8,666.67

216,666.67

Unlimited per month for family

85.05

1,800.00

9,000.00

225,000.00

Unlimited per month for family

88.2

1,866.67

9,333.33

233,333.33

Unlimited per month for family

91.35

1,933.33

9,666.67

241,666.67

Unlimited per month for family

94.5

2,000.00

10,000.00

250,000.00

Unlimited per month for family

Gold Plan

Amount of End User Price paid in calendar month (PKR)

Education Continuation Benefit(12 Months)

Income Continuation Benefit (12 Months)

Accidental Death Benefit (Lump sum)

EFU mHealth Subscription

Nil

Nil

Nil

Nil

Nil

4.4

100

500

11,666.67

Unlimited per month for family

8.8

200

1,000.00

23,333.33

Unlimited per month for family

13.2

300

1,500.00

35,000.00

Unlimited per month for family

17.6

400

2,000.00

46,666.67

Unlimited per month for family

22

500

2,500.00

58,333.33

Unlimited per month for family

26.4

600

3,000.00

70,000.00

Unlimited per month for family

30.8

700

3,500.00

81,666.67

Unlimited per month for family

35.2

800

4,000.00

93,333.33

Unlimited per month for family

39.6

900

4,500.00

105,000.00

Unlimited per month for family

44

1,000.00

5,000.00

116,666.67

Unlimited per month for family

48.4

1,100.00

5,500.00

128,333.33

Unlimited per month for family

52.8

1,200.00

6,000.00

140,000.00

Unlimited per month for family

57.2

1,300.00

6,500.00

151,666.67

Unlimited per month for family

61.6

1,400.00

7,000.00

163,333.33

Unlimited per month for family

66

1,500.00

7,500.00

175,000.00

Unlimited per month for family

70.4

1,600.00

8,000.00

186,666.67

Unlimited per month for family

74.8

1,700.00

8,500.00

198,333.33

Unlimited per month for family

79.2

1,800.00

9,000.00

210,000.00

Unlimited per month for family

83.6

1,900.00

9,500.00

221,666.67

Unlimited per month for family

88

2,000.00

10,000.00

233,333.33

Unlimited per month for family

92.4

2,100.00

10,500.00

245,000.00

Unlimited per month for family

96.8

2,200.00

11,000.00

256,666.67

Unlimited per month for family

101.2

2,300.00

11,500.00

268,333.33

Unlimited per month for family

105.6

2,400.00

12,000.00

280,000.00

Unlimited per month for family

110

2,500.00

12,500.00

291,666.67

Unlimited per month for family

114.4

2,600.00

13,000.00

303,333.33

Unlimited per month for family

118.8

2,700.00

13,500.00

315,000.00

Unlimited per month for family

123.2

2,800.00

14,000.00

326,666.67

Unlimited per month for family

127.6

2,900.00

14,500.00

338,333.33

Unlimited per month for family

132

3,000.00

15,000.00

350,000.00

Unlimited per month for family

Platinum Plan

Amount of End User Price paid in calendar month (PKR)

Education Continuation Benefit (12 Months)

Income Continuation Benefit (12 Months)

Accidental Death Benefit (Lump sum)

EFU mHealth Subscription

Nil

Nil

Nil

Nil

Nil

5.98

166.67

666.67

16,666.67

Unlimited per month for family

11.96

333.33

1,333.33

33,333.33

Unlimited per month for family

17.94

500

2,000.00

50,000.00

Unlimited per month for family

23.92

666.67

2,666.67

66,666.67

Unlimited per month for family

29.9

833.33

3,333.33

83,333.33

Unlimited per month for family

35.88

1,000.00

4,000.00

100,000.00

Unlimited per month for family

41.86

1,166.67

4,666.67

116,666.67

Unlimited per month for family

47.84

1,333.33

5,333.33

133,333.33

Unlimited per month for family

53.82

1,500.00

6,000.00

150,000.00

Unlimited per month for family

59.8

1,666.67

6,666.67

166,666.67

Unlimited per month for family

65.78

1,833.33

7,333.33

183,333.33

Unlimited per month for family

71.76

2,000.00

8,000.00

200,000.00

Unlimited per month for family

77.74

2,166.67

8,666.67

216,666.67

Unlimited per month for family

83.72

2,333.33

9,333.33

233,333.33

Unlimited per month for family

89.7

2,500.00

10,000.00

250,000.00

Unlimited per month for family

95.68

2,666.67

10,666.67

266,666.67

Unlimited per month for family

101.66

2,833.33

11,333.33

283,333.33

Unlimited per month for family

107.64

3,000.00

12,000.00

300,000.00

Unlimited per month for family

113.62

3,166.67

12,666.67

316,666.67

Unlimited per month for family

119.6

3,333.33

13,333.33

333,333.33

Unlimited per month for family

125.58

3,500.00

14,000.00

350,000.00

Unlimited per month for family

131.56

3,666.67

14,666.67

366,666.67

Unlimited per month for family

137.54

3,833.33

15,333.33

383,333.33

Unlimited per month for family

143.52

4,000.00

16,000.00

400,000.00

Unlimited per month for family

149.5

4,166.67

16,666.67

416,666.67

Unlimited per month for family

155.48

4,333.33

17,333.33

433,333.33

Unlimited per month for family

161.46

4,500.00

18,000.00

450,000.00

Unlimited per month for family

167.44

4,666.67

18,666.67

466,666.67

Unlimited per month for family

173.42

4,833.33

19,333.33

483,333.33

Unlimited per month for family

179.4

5,000.00

20,000.00

500,000.00

Unlimited per month for family

6. BENEFITS

Upon receipt of due proof in writing that the Member has, whilst the Policy is in full force and effect, suffered any of the event(s) set out below, the Company, subject to the exclusions set out below and the terms and conditions contained herein, shall pay the following Benefits.

DEATH BENEFIT:On death of the Member, whilst the Policy is in full force and effect, the amount of benefit payable shall be determined according to the Plan Category chosen by the Member from the table given hereunder:

Plan Category

Monthly Education Continuation Benefit for 12 months (PKR)

Monthly Income Continuation Benefit for 12 months (PKR)

Silver

2,000

10,000

Gold

3,000

15,000

Platinum

5,000

20,000

ADDITIONAL ACCIDENTAL DEATH BENEFIT:If the Member dies as a result of injuries caused solely by violent, external and accidental means and there is evidence of a visible contusion or wound on exterior of the body except in the case of drowning or of an internal injury revealed by an autopsy, and that such death occurred within 90 days of the accident solely as a result of the same injury and not as an indirect result of any fit, physical defect, illness or disorder, the Company, upon receipt of and due investigation of the claim, will pay an amount shown in the Table of Death Risk below, in addition to any benefits under the Policy.

TABLE OF ACCIDENTAL DEATH RISK

Plan Category

Sum Assured (PKR)

Silver

250,000

Gold

350,000

Platinum

500,000

ACCIDENTAL PERMANENT TOTAL DISABILITY BENEFIT:If the Member whilst the Policy is in full force has sustained injuries caused solely by violent external and accidental means and within 90 days of the accident suffers the losses set out in the Table of Benefits of Accidental Disability solely as a result of the same injuries, the Company, upon receipt of and due investigation of the claim, will pay an amount depending on the type of loss as provided in the Table of benefits of Accidental Disability below.

Permanent Total Disability due to Accident

S. No.

Description of Injuries

Percentage of Sum Covered

1.

Loss of both hands or amputation at higher sites

100%

2.

Loss of hand and a foot

100%

3.

Double amputation through leg or thigh; or amputation through leg or thigh on one side and loss of other foot

100%

4.

Loss of sight to such an extent as to render the claimant unable to perform any work for which eye-sight is essentia

100%

5.

Absolute deafness

100%

7. CESSATION OF MEMBERSHIP

Insurance Cover shall cease on any of the following:

  • Member’s death or total disability.
  • Member having attained the age of 66 years.
  • Non-payment of premium by the Member when due.
  • Any other date on which the Member ceases to be eligible for insurance cover for any fraudulent or criminal reason affecting the insurance cover hereunder. Decision of the court shall be final in such cases

8. EXCLUSIONS

No benefit will be paid if the death or disability of the Member results directly, wholly or partly, as a result of or related to:

  • Intentional self-inflicted injury or its attempt, murder, suicide and violation of law;
  • War, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that results in the declaration of a state of emergency on a local or national level;

ASSIGNMENT

The insurance cover provided for under this Policy and the benefits payable hereunder are not assignable.

10. CLAIMS

In case of any claim under the benefit(s) covered against in this policy, the same shall be notified to the Company. The Member or the Nominee at its own expense, shall furnish all information necessary to determine whether the Benefit Claimed is payable or not to the Member or the Nominee

Written notice of claim must be presented to and received at the Main Office of the Company within three hundred and sixty five (365) days after the date of event giving rise to the claim. Otherwise the claim shall be invalid.

Company, upon receipt of such notice, will furnish forms for filing proof of Claim. The forms along with astandard claim requirements quoted by the Company must be completed and returned to within fifteen (15) days from claim notification date for which the claim is made. Such forms may include, but not limited to, the following documents

  • Copy of Death certificate issued by NADRA / Union Council
  • Copy of CNIC of claimant and nominee and deceased member
  • Claimant Statement Form
  • Attending Physician’s Statement Form/Report
  • Police & MLO Report (in case of accidental causes)
  • Hospital Death Certificate
  • Past Medical records
  • Disability claim forms
  • Past medical records
  • Treatment record giving dates of admission and discharge, diagnosis and treatment given
  • Medical Certificate issued by treating doctor
  • Any other document deemed to be necessary for claim assessment and finalization

The insurance cover effected hereunder shall carry no paid-up or surrender value.

Claim will be processed by the Company following the submission of the claim documents to the Company or an entity authorized by the Company.

11. RENEWAL PRIVILEGE

This Policy is issued for the period shown in the Policy Schedule and may be renewed by the Member on subsequent Renewal Date subject to the conditions hereof. Renewal will be affected by the payment of the required premium when due.

12. CHANGE OF OWNERSHIP

If the business of the Group Policy Holder is transferred to or succeeded by any person or corporation then, subject to the consent of the Company, the payment of premium under this Policy may at the option of such person or corporation be continued in which case such person or corporation shall as from the date of such transfer or succession take the place of and be treated for all purposes of this Policy as being the Group Policy Holder hereof.

13. TERMINATION OF THIS POLICY

The Company reserves the right to terminate the Policy by giving 90 days’ notice. It is clarified that any termination shall not affect the obligations of Group Policy Holder and Company assumed at any time prior to the effective date of termination. Further, the Company reserves the right to give the Group Policy Holder three months’ written notice to add, alter or repeal the terms and conditions of the Policy hereof.

Notwithstanding anything to the contrary in this Policy, the termination of this Policy shall have the following effect:

  • No individual enrollment shall be entertained under this Policy after the time of termination.

14. LAW

The policy is governed by and interpreted according to the laws of Islamic Republic of Pakistan.

15. STATUTORY FUND

Under the provisions of the Insurance Ordinance 2000 this policy and any additional benefits shall be referable to the Conventional Business Statutory Fund of the Company. The Company may by endorsement to the Policy change the Statutory Fund(s) to which the policy and any additional benefits are referable.

DISCLAIMER/ TERMS OF USE of EFU mHealth Services:

TERMS OF USE

Services Provided:

  • Video/Audio primary care medical consultations from PMC certified general practitioner.
  • Appointment booking for in-house primary care consultation by PMC certified general practitioner.
  • Access to HD electronic medical records for HD application users.
  • Provisional access to awareness/preventive care recorded medical sessions by PMC-certified doctors. (as and when available)
  • Provisional access to fitness-related workout sessions by certified HD fitness trainers. (as and when available
  • Provisional access to healthy culinary sessions (as and when available)

Use of Telemedicine Services is NOT FOR EMERGENCIES:

EFU mHealth services are primary care services and will only be used for non-emergency conditions.

Privacy:

EFU mHealth is HIPAA compliant and maintains privacy as per the standards of Health Insurance Portability and Accountability Act.

Limitations

These services are limited to the consultation where physical examination through touching can be bypassed (in case of non-emergency conditions)

Complaints and Disputes:

Complaints and disputes can be highlighted via UAN number (042 111 333 033) or contacting via email address [email protected] turnaround time would be 48 working hours.

Requirements:

Apart from registration and mobile application, the user would require.

  • High speed uninterrupted internet for video calling.
  • GSM/Landline number to call on UAN for consultation.
  • Internet and customer availability at booked time to avail appointed consultation.

Acknowledgement of the Customer

(Policy Terms and Conditions shall remain subject to the following)

  • To cease daily deductions, the Subscriber must deregister the Subscriber’s Tahaffuz Plan by contacting EFU Life. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive credit balance.
  • In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) Tahaffuz Plan under the Insurance Policy (including through different Jazz mobile accounts):
    • The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the Tahaffuz Plans that the Subscriber has subscribed to;
    • Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two TAHAFFUZ Plans that the Subscriber subscribed to;
  • After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to share his details and information available with Jazz and as sought by EFU Life or any other entity authorized by EFU Life in this regard, for inter alia processing of the Policy, storing and processing data, and more effectively providing the Insurance Service and payment of Insurance Cover; Jazz Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Jazz responsible for any consequences of sharing such information;
  • Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Jazz Services of the Customer/Subscriber and termination of his Connection; and
  • While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other number/short code. Ignorance of this clause by Jazz Customer/Subscriber shall not accrue any liabilities/responsibilities on EFU Life Insurance or Jazz including but not limited to liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber
  • Jazz or EFU Life may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
  • Jazz, and EFU Life may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be the acceptance with the End User Price to be charged to provide the Insurance Policy;
  • Jazz and EFU Life have the complete authority to stop offering TAHAFFUZ Plan or Policy at any time at their discretion.
  • The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the time of availing Jazz’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM Jacket). However, in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to the extent of subject matter of these Terms and Conditions
  • The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any dispute arising hereunder.
  • If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
  • This policy has been especially created to provide protection for those Jazz Customers who successfully apply for that protection and who pay the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
  • SMS to the Subscriber’s prepaid mobile service (from which daily deductions are made); If a notice is made by SMS, the notice is deemed to be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed
  • Notification placed on Jazz.com.pk or on the Insurer’s website at http://www.efulife.com/
  • By publication in a major newspaper in the Islamic Republic of Pakistan
Who can avail Tahaffuz Plan?

For Tahaffuz Plan subscribers of Jazz who are Pakistani nationals and aged a minimum of eighteen (18) years and under sixty-five years (65) can avail of Tahaffuz plan upon payment of the applicable subscription fee. The registration under Tahaffuz plan will expire when a subscriber reaches the age of sixty-six (66) years.

Can I avail more than one Tahaffuz Plan?

No, you can only avail for one variant at a time i.e., either silver or gold or platinum

What are the benefits provided against Hafiz Plan?

Benefits

Silver

Gold

Platinum

Education Continuation Benefit (12 Months)

2,000

3,000

5,000

Income Continuation Benefit (12 Months)

10,000

15,000

20,000

Accidental Death Benefit (Lump sum)

250,000

350,000

500,000

**EFU mHealth Subscription

Unlimited per month for family

Can I enroll for both Tahaffuz and Tahaffuz Plan simultaneously?

Yes you can enroll for one variant on each of both the plans.

What is not covered by this plan?

For Education Continuation Plan, Income Continuation Plan & Personal Accident Plan, no benefit will be payable in case of:

  • Intentional self-inflicted injury or its attempt, murder, suicide and violation of law.
  • War, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological) that results in the declaration of a state of emergency on a local or national level.

Other conditions:

  • Filing of a fake claim
  • In the event of non-payment of premium and non-availability of cover in the month when the loss has occurred

How to claim?

In case the beneficiary wants to intimate a claim, you or any of your family members can notify us through one of these methods:

  • SMS ‘Claim’ at 4141
  • Call EFU Helpline help line 021-111-338-111 or the following number: 042-111-333-333
  • Send an email at [email protected]
What are the documents required for claim?

For Education and Income Continuation:

In case of Disability claim:

  • Claimant’s Statement Form
  • Attending Physician’s Report
  • Police and medico legal Report in case of hospitalization
  • due to accident and violence
  • CNIC copy of claimant
  • Any other document deemed necessary for claim assessment and finalization

In case of Death claim:

  • All the above-mentioned documents
  • CNIC copy of claimant and deceased
  • Hospital Death Certificate & all medical records
  • NADRA/Union Council Death Certificate

For Personal Accident:

  • Claimant’s Statement Form
  • Hospital Death Certificate & All Medical Records
  • NADRA/Union Council Death Certificate
  • Copies of CNIC of Claimant & Deceased
  • FIR/Police Report and Post Mortem Report
  • Any other document deemed to be necessary for claim assessment and finalization
OVERVIEW

Jazz and EFU Life have partnered together to launch Hifazat Program. Through this program, Jazz subscribers can opt for Muqammal Tahaffuz Plan which includes low-cost nano insurance products with unique benefits including income continuation, education continuation, accidental cover and coverage for major medical illnesses. In addition, the customer’s entire family can utilize virtual health care benefits. Virtual health care service is provided by EFU Life’s dedicated mHealth Platform called EFU mHealth where users have access to doctors, fitness videos and lifestyle content.

Hafiz Plus Plan which is a monthly protection bundle that is paid for by the Subscriber through daily deductions from his/her airtime balance.

How to subscribe:

Call 042-111-333-033 or SMS to 4141 and EFU Life’s representative will call you within 24 working hours to guide and help subscribe to the Muqammal Tahaffuz Plan.

Plan

**Daily

Monthly

Monthly Education Continuation Benefit for 12 months (PKR)

Monthly Income Continuation Benefit for 12 months (PKR)

ACCIDENTAL DEATH Sum Assured (PKR)

MAJOR MEDICAL ILLNESS

EFU mHealth Subscription

Silver

4.4

132

2,000

10,000

250,000

25,000

Unlimited per month for family

Gold

6.2

186

3,000

15,000

350,000

35,000

Unlimited per month for family

Platinum

8.8

264

5,000

20,000

500,000

50,000

Unlimited per month for family

Prepaid: The monthly price is charged in installments over 30 days

**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions

**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction.

Postpaid: Service will be launched for postpaid soon.

How do I Claim:

SMS ‘CLAIM’ to 4141 or call 042-111-333-033 and EFU Life’s representative will contact you with full information on how to process your claim.

Hafiz Plus Plan is underwritten and distributed by EFU Life.

EFU Life is a leading life insurance company and is part of largest insurance group in Pakistan which provides insurance coverage to millions of Pakistanis.

Jazz Telecom is facilitating this offering but shall not be responsible for any grievance of the Jazz Customer relating to Hafiz Plan and EFU Life Insurance’s performance of its obligation.

DEFINITIONS

In these provisions:

MUQAMMAL TAHAFFUZ PLANmeans a term assurance product which provides a guaranteed level of life insurance protection against death, accidental permanent total disability or major medical illness treatment.

ACCIDENT means accidental bodily injury which is caused solely by violent, external and accidental means resulting directly and independently of all other causes

AUTHORIZED REPRESENTATIVE means an official of the Company who has been authorized by the Company to transact business on behalf of the Company under this Policy.

COMPANY means EFU Life Assurance Limited.

ELIGIBLE PERSON means customers of the Group Policy Holder, male or female Pakistani nationals, who is eligible for insurance cover under this policy in accordance with Clause 2 of these provisions and conditions.

COMMENCEMENT DATE means the date on which the cover becomes effective which will be from 00:01 hours on the 1st day of next month following the date on which the premium is paid after acceptance of the application by the Member.

GROUP POLICY HOLDER means Pakistan Mobile Communications Limited or Jazz.

ENROLLMENT DATE means the date on which the Member was initially enrolled under this Policy.

ENROLLMENT MONTHIVERSARY DATE means a period of one month of the date on which an Insured Person was initially enrolled under this Policy.

MAJOR MEDICAL ILLNESS CONDITIONS was initially enrolled under this Policy.

  • 1. Cancer
  • 2. Heart Attack
  • 3. Stroke
  • 4. Kidney & Renal Failure
  • 5. Blindness & Deafness
  • 6. Major Organ Transplant

MOBILE NETWORK OPERATOR means Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984 of Pakistan and having its registered office at 1-A Kohistan Road, DHQ-1 F-8 Markaz, Islamabad, Pakistan.

MEMBER means an Eligible Person who is to be included in this policy after giving his valid documented or recorded consent to purchase this insurance and pay required premium amount.

NOMINEE means a person or persons appointed by the Member (under the provisions of the Insurance Ordinance 2000) to receive the benefits payable under the policy.

POLICY TERM means the period of one month beginning from the first day of a calendar month and ending on the last day of same calendar month.

RENEWAL DATE means any subsequent monthiversary of the Commencement Date

RENEWAL ENROLLMENT means Re-enrolment of the Member into this Policy upon payment of premium on Renewal Date.

SICKNESS means sickness or disease contracted for the first time after the Commencement Date or Renewal Date.

Words importing the singular number include the plural number and vice versa and words of masculine gender shall include the feminine unless the context otherwise requires.

2. ELIGIBILITY

The eligible persons for this Policy are the present and future customers of the Group Policy Holder who are within the Eligibility Age range i.e. 18 to 51 years and have given their valid consent to opt for insurance cover under this policy. Any Member shall not be eligible for multiple enrollments at a single point in time.

3. EFFECTIVE DATE OF INDIVIDUAL ASSURANCE

Member will become eligible from 1st day of next calendar month following the date on which the premium is paid after acceptance of the application by the Member.

4. EVIDENCE OF AGE

Evidence of age of a Member satisfactory to the Company will be required before any benefit in respect of him/her is paid under this Policy and if after commencement of the insurance cover hereunder the date of birth of any Member is found to have been incorrectly notified to the Company, the Company shall notify the Group Policyholder of the adjustment to be made under this Policy in respect of such incorrect notification. No benefit whatsoever shall be payable under the Policy if the correct age of the Member is found to be more than maximum eligibility age of 51 years

5. AMOUNT & CALCULATION OF PREMIUM

Premiums under this Policy are payable by the Group Policy Holder at such office/ offices of the Company as the Company may designate in writing to the Group Policy Holder from time to time. The Company may authorize the Insurance Broker to collect premium from the Group Policy Holder on its behalf. Such authorization will be in writing and provided to the Group Policy Holder.

Premiums are due by the 1st of each calendar month for all such eligible Members, who are to be covered as per the terms and conditions of the Policy. At the time of initial enrollment of the Member and at each subsequent Renewal Enrollment, the Group Policy Holder will calculate the monthly premium as per the following table:

Plan Category

Monthly Premium (PKR)

Daily Premium (PKR)

Silver

132

4.4

Gold

186

6.2

Platinum

264

8.8

The coverage will start from the 1st day of the next month. Where full premium for an insured Member is not paid the Benefit amount will be adjusted on Pro rata basis as per below variant table:

Silver Plan:

Amount of End User Price Paid in calendar month

Education Continuation Benefit (12 Months)

Income Continuation Benefit (12 Months)

Accidental Death Benefit (Lump sum)

Major Medical Illness

EFU mHealth Subscription

Nil

Nil

Nil

Nil

Nil

Nil

4.4

66.67

333.33

8,333.33

833.33

Unlimited per month for family

8.8

133.33

666.67

16,666.67

1,666.67

Unlimited per month for family

13.2

200

1,000.00

25,000.00

2,500.00

Unlimited per month for family

17.6

266.67

1,333.33

33,333.33

3,333.33

Unlimited per month for family

22

333.33

1,666.67

41,666.67

4,166.67

Unlimited per month for family

26.4

400

2,000.00

50,000.00

5,000.00

Unlimited per month for family

30.8

466.67

2,333.33

58,333.33

5,833.33

Unlimited per month for family

35.2

533.33

2,666.67

66,666.67

6,666.67

Unlimited per month for family

39.6

600

3,000.00

75,000.00

7,500.00

Unlimited per month for family

44

666.67

3,333.33

83,333.33

8,333.33

Unlimited per month for family

48.4

733.33

3,666.67

91,666.67

9,166.67

Unlimited per month for family

52.8

800

4,000.00

100,000.00

10,000.00

Unlimited per month for family

57.2

866.67

4,333.33

108,333.33

10,833.33

Unlimited per month for family

61.6

933.33

4,666.67

116,666.67

11,666.67

Unlimited per month for family

66

1,000.00

5,000.00

125,000.00

12,500.00

Unlimited per month for family

70.4

1,066.67

5,333.33

133,333.33

13,333.33

Unlimited per month for family

74.8

1,133.33

5,666.67

141,666.67

14,166.67

Unlimited per month for family

79.2

1,200.00

6,000.00

150,000.00

15,000.00

Unlimited per month for family

83.6

1,266.67

6,333.33

158,333.33

15,833.33

Unlimited per month for family

88

1,333.33

6,666.67

166,666.67

16,666.67

Unlimited per month for family

92.4

1,400.00

7,000.00

175,000.00

17,500.00

Unlimited per month for family

96.8

1,466.67

7,333.33

183,333.33

18,333.33

Unlimited per month for family

101.2

1,533.33