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Self Care+:
Health is wealth. This old saying
has never been as true as it is today. In this age of sky rocketing
medical costs, poor health whether caused by natural causes or by
accident not only results in physical misery but also immense
financial burden. Loss of health spells loss of wealth.
Unfortunately, illnesses and accidents are a part of life. No matter
how many preventive measures you take, you are still exposed to a
certain level of risk at all times. Health insurance appears to be
the logical solution. But these plans, in general are available only
to groups.
NJI brings you the all the benefits of group health insurance in a
plan designed specifically for individuals.
Covers
SelfCare Plus provides four distinct protection segments with
benefits depending on the plan you select:
* Aggregate benefit for Accidental Death or Permanent Disability
* Medical Expenses (Accident only)
* Inpatient Surgical Expenses (Illness Only)
* Burial & Repatriation Expenses
Protection Plans
|
Segment |
Gold |
Platinum |
|
1. Accident Protection |
500,000 |
1,000,000 |
|
2. Medical Expenses
(Accident) |
25,000
Excess 500 |
50,000
Excess 1,000 |
|
3. Inpatient Surgical
Expenses (Illness) |
25,000
Excess 1,000 |
50,000
Excess 1000 |
|
4. Burial & Repatriation |
50,000 |
100,000 |
Premium (Per Person)
|
Age Group |
Gold |
Platinum |
|
Upto 30
yrs |
Rs. 1,300 |
Rs. 2,000 |
|
31 to 35
yrs |
Rs. 1,450 |
Rs. 2,250 |
|
36 to 40
yrs |
Rs. 1,600 |
Rs. 2,400 |
|
41 to 45
yrs |
Rs. 1,700 |
Rs. 2,600 |
|
46 to 49
yrs |
Rs. 1,800 |
Rs. 2,750 |
Premium is exclusive of govt.
taxes and stamp duty
Protective Segments
* Segment 1 provides financial protection against death, permanent
total and permanent partial disability caused by and occurring
within 12 months of an accident
* Segment 2 provides for medical expenses arising out of an accident
anywhere in the world.
* Segment 3 provides for medical expenses of surgical operations due
to illness. The procedure must involve an overnight stay at a
registered hospital or clinic in Pakistan. This Segment excludes any
expenses in respect of health conditions existing at inception of
cover.
* Segment 4 provides for repatriation and burial expenses following
death due to natural causes anywhere in the world. This Segment
excludes death due to health conditions existing at inception of
cover
* An initial six month waiting period is applicable to Segment 3.
This condition does not apply to renewals.
* The maximum age for new covers is 49 yrs. However in case of
existing coverage, starting at least 3 years before the 50th
birthday, the cover may continue till 55 yrs.
Stretch your Protection
You can enhance the Segment 3 protection by Rs.25,000 under both
plans for only Rs.350 in additional premium (per person).
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Shaffin
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