*Telco tax 19.5% and Advance tax 15% will apply on monthly postpaid bill.

For post-paid accounts, a successful withdrawal signifies the billing and payment of the entire monthly premium due. Upon payment, the corresponding coverage will be issued as per the plan opted by the customer, as stated above. Please note that customers will be charged on a prorated basis from the time of subscription until the bill date. For the following months, the monthly rental will be prorated according to the total number of days in each month (i.e. Monthly charges/Total days in month) and the customer will be charged on a daily basis. Coverage will be provided accordingly.

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.

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.

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.

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. Complaints and Disputes:

You can always provide feedback on our services by calling 042-111119878 or emailing us at [email protected] If you have a complaint about our services, we aim to resolve it as quickly as possible. To assist us in addressing your complaint, we may ask for certain details from you—please provide these promptly to help us resolve the issue efficiently. We will inform you of the outcome of our investigation and offer you the opportunity to discuss it with us.

If we find that we have breached these terms and you suffer loss or damage as a foreseeable result, we are responsible for compensating you. However, we are not liable for any indirect, incidental, special, or consequential damages.

These terms are governed by the laws of Pakistan, and the Pakistani courts shall have exclusive jurisdiction over any claims arising from or in connection with these terms or the use of our products and services

10. 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.

Policy Terms and Conditions shall remain subject to the following

• MILVIK is a Corporate Insurance Agent 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 www.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.

• 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.

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. A 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. 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 MILVIK

BIMA Since 2010, has been revolutionizing lives in emerging markets with its innovative mobile-led insurance and health products. Serving over 7 million active customers across 6 countries in Asia and Africa, BIMA has established itself as a global leader in the industry.

BIMA Mobile Pakistan, established in 2015, partnered with Mobile Network Operators (MNOs) and insurance companies to provide digital healthcare and insurance services that are affordable and accessible to all the Pakistanis

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 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:

Table of Insurance Benefit:

PKR 280,000 Policy

PKR 560,000 Policy

PKR 1,560,000 Policy

PKR 3,125,000 Policy

PKR 225,000 Policy:

PKR 450,000 Policy:

PKR 1,250,000 Policy:

PKR 2,500,000 Policy:

• 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 a Corporate Insurance Agent 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.