Accidental Hospitalization and Death Cover Plan

Product Profile

Health is probably the most important factor in leading a happy life, but accidents and mishaps are also realities that have to be faced. It is very logical for a person to have a plan to counter such unfortunate eventualities. No matter how terrible it sounds accidents and injuries are as much a part of everyday life as eating or sleeping, it can be ignored but not avoided.

Accidents or hospitalization of a loved one not only brings emotional stress but financial hardships as well.

Adamjee Life's Accidental Hospitalization and Death Cover Plan provides you with peace of mind and takes care of your monetary requirements during such hard times. So that you can maintain your lifestyle while we manage your medical expenses.

Policy Terms & Eligibility

• Minimum Entry Age:18 years (Age nearest birthday)
• Maximum Entry Age:59 years (Age nearest birthday)

Premium paying term: 1 Year

Benefits

• Hospitalization Benefit
  Daily hospital allowance is paid to the insured in-case of hospitalization due to accident, irrespective of any hospital (whether private or government). Three different daily coverage plans are offered- PKR 2,000, PKR 5,000 or PKR 10,000, which can be used to maintain daily expenses or loss of income during hospitalization.


• Accidental Death Benefit
  In case of accidental death an amount of Rs. 200,000, Rs. 500,000 or Rs. 1,000,000 is paid depending on package selected.


• I.C.U Benefit
  Double daily benefit is payable in case of ICU confinement (each day in ICU will be counted as double and maximum duration of ICU confinement cannot exceed 90 days).


• Free-Look Period
  The plan offers a free-look period of 14 days, in which you can cancel your policy by contacting Adamjee Life, and have your premium refunded.

Advantages

ADAMJEE LIFE Accidental Hospitalization and Death Cover Plan is a Secure Plan that gives you:

• Different Premium paying options subject to minimum acceptable premium limit prescribed.
• Hospitalization Coverage up to 180 days.
• 14 day free look period, allowing full premium refund incase of cancellation within the specified time.
• Double benefit in case of ICU confinement.
• Accidental Death Coverage.
• No medical examination necessary.
• Daily payouts of Rs 2,000, Rs 5,000 or Rs 10,000 to meet your daily expenses.

Premium Table

Age	-----------------   18 - 59   -----------------
Daily Benefit	2,000	5,000	10,000
Annual Premium	2,200	5,500	11,000

FAQ's

How long does the Accidental Hospitalization and Death Cover Plan run for? Can I cancel the policy?

Accidental Hospitalization and Death Cover Plan is Yearly Renewable plan, however if you don't pay the premium the plan will discontinue. The policy expires until the end of the month before your 60th birthday.

Do I get any money back if I cancel the policy?

If your policy is cancelled within the first 14 days of inception and premium has been paid, this premium will be refunded to you. This period is called the free look period. If you cancel the policy later on, there is no money back as this is a protection plan.

When does the cover commence?

The commencement of the plan is indicated by the policy date, which starts immediately after the premium is paid.