Adamjee Life Hikmat Insurance Plan

In case of severe illness/major accident, the hospital expenses are the additional burden that falls entirely on either our savings or on our dependents. In such a situation, the financial impact becomes two-folds: On one hand, Hospitalization of the breadwinner stops the cash flow to the household, while on the other hand the burden of the hospital expenses has to be managed. In case of such event Adamjee Life offers a plan to cover the hospital expenses due to hospitalization in case of sickness or accident.

Why Adamjee Life Hikmat Insurance Plan

Keeping the above scenario in view, Adamjee Life offers a unique coverage plan intended to cover the hospital expenses due to hospitalization in case of sickness or accident. Under the Hikmat Insurance Plan, you can choose a daily allowance that will be compensated to you in case of your unfortunate hopsitalisation due to either ACCIDENT OR SICKNESS. The benefit doubles in case of your confinement in ‘Intensive Care Unit’. The Plan also enables to get life insurance coverage with premiums tailored to your age as an optional feature thus making the plan an all-encompassing one.

For Bank Alfalah Customers only

Hikmat Insurance plan is exclusively designed for Bank Alfalah customers and can be conveniently obtained through Bank Alfalah branches. Under the Hikmat Insurance Plan, 3 different plans are available which can be coupled with a life insurance offering of your choice.

Online Medical Consultation Feature*

Hikmat Insurance Plan also offers an online Medical Consultation feature for the customers. This service can also be availed by the spouse and children of the insured. Under this service, the customer can register and book appointments through the ‘Sehat Kahani’ Corporate Application (Phone based or web based) for self and for his/her spouse using registered credentials. The online portal can be accessed/app can be downloaded from
*Medical consultations offered in collaboration with Community Innovation Hub (owner of ‘Sehat Kahani’ Brand).

Plan Details

  • Hikmat Plan
  • Benefit Description
  • Term Life Offer (Optional)
  • Freedom of Choice
  • Free look Period
  • FAQS
  • Disclaimers

Hikmat Plan

Hikmat Plan

Hikmat Insurance Plan offers 3 different coverage amounts. You can choose from any of the coverages based on your requirements and affordability.

Plan Hospital Cash (Accident and sickness) Hospital Cash (ICU Confinement) Annual Premium
A 2,000 4,000 3,550
B 5,000 10,000 6,500
C 10,000 20,000 11,350
Waiting Period for Sickness Hospitalisation

The benefit of Hopitalisation due to sickness is effective after 15 days of subscription. This benefit is only for first tie subscription, and not applicable on renewals (no waiting period applies for hospitalization due to accident).

Benefit Description

Benefit Description

Under the Hikmat Insurance Plan, Adamjee Life will pay the daily cash benefit for each 24-hour period of Hospital confinement up to a maximum of 120 days. The cash benefit will be increased in case of confinement in an Intensive Care Unit (ICU). In case of admission in ICU, the maximum number of Hositalisation days will be reduced to 60.

Per confinement, benefit is limited to a maximum of 30 days of Hospitalisation.

Accepted Hospitals

Benefit will be payable upon admission to any registered hospital in Pakistan. It is not restricted to panel Hospitals.

Term Life Offer (Optional)

Term Life Offer (Optional)

Hikmat Insurance Plan also offers the option to add life insurance to your Hospitalisation plan thus providing comprehensive coverage under one umbrella. The annual premiums for the life insurance cover are tailored to your specific age thus giving you the benefit of comprehensive coverage under one plan. The coverage plans offered for life insurance are mentioned below:

Plan Sum Assured (Rs.) Age Annual Premium (Rs.)
Silver 250000 18-39 1550
40-49 3100
50-59 9000
Gold 500,000 18-39 2,600
40-49 5,750
50-59 17,550
Platinum 1,000,000 18-39 4,750
40-49 11,000
50-59 34,650

Freedom of Choice

Freedom of Choice

Based on your requirements, you are free to choose any of the life insurance plans with any of the plans for hospital cash.


Hikmat Insurance comes loaded with features that are beneficial for yourself and your family. Some on the highlights of the plan are mentioned below.

  • Hospitalisation due to sickness as well as accident
  • Double payment in case of ICU confinement
  • Option to include life insurance
  • E-consultation for the customer and his/her family
  • Waiting period of only 15 days in case of sickness related hospitalization

Free look Period

Free look Period

The plan offers a free look period of 14 days during which you can cannel the policy and get a full premium refund.


Bank Alfalah customers within the age bracket of 18-59 years can subscribe to this product. The product provides coverage up to a maximum of 60 years of age.


Himat Insurance Plan offers a wide array of coverages. In order to protect the interests of our customers and give them the best services, claims arising due to the following conditions will be exempted form consideration.

  • Pre-existing medical conditions
  • Any OPD medical treatment in the hospital/any cosmetic procedure
  • Self-inflicted injury/suicide
  • Hazardous Occupation and duties in armed services
  • Extreme/professional Sports
  • War/war-like operations
  • Involvement in illegal activities

*For detailed exclusions, please review the terms & conditions.

How to subscribe?

You can subscribe to Hikmat Insurance Plan through all Bank Alfalah branches. Just visit your nearest branch and complete the Hikmat Insurance Plan form. You will be required to provide your beneficiary details along with a consent for deduction of the chosen premium from your account.

Within 7 working days of subscription, you will receive your coverage documents along with the detailed policy terms and conditions from Adamjee Life Assurance Company Limited. After the receipt of the documents, you will have a 14 days free look period during which you can review your policy documents. In case you decide to cancel your subscription, you will receive a full premium refund from Adamjee life.



Q1. What is Hospital Cash Insurance?

Hospital Cash Insurance is a specific insurance product under which a fixed daily compensation is paid to the insured in case of his/her Hospitalisation. The Hospitalisation can be due to either accident or sickness or both as per the policy provisions.

Q2. What benefits does Himat Insurance Plan Offer?

hikmat Insurance Plan offers Hospitalisation benefit in case of accident and sickness along with compensation in case of either natural or accidental death (if opted for).

Q3. How is Hikmat Isurance Plan different from other offers in the market?

Hikmat Insurance Plan offers Hospitalisation cover for both accident and sickness under one umbrella. It also provides the option to get life insurance cover as per requirement. A unique feature of the offering is the e-consultation facility offered in collaboration with ‘Sehat Kahani’. The E-Consultation facility can be utilized by the insured as well as his/her family members.

Q4. Who should I contact in case of any further queries?

For further queries, you can contact Bank Alfalah at (+92) 111 225 111. For Claims, you can contact Adamjee Life Assurance at (+92) 111 115 433.

Q5. Does the plan offer any Free Look Period?

Hikmat Insurance Plan offers a free look period of 14 days starting from the time the policy documents are received by the insured.

Q6. What is the name of the Insurance Company offering Hikmat Insurance Plan?

Hikmat Insurance Plan is being offered by Adamjee life Assurance Company Liited, which is one of the leading life insurance companies in Pakistan.

Q7. In Case of claim, which documents will be required?

. In case of a claim, the following documents should be submitted with Adamjee Life Assurance*:

  • Duly Completed Claimant Statement Form
  • NADRA Death Certificate (in case of death claim)
  • Post Mortem/ Police Report (if any)
  • Last attending physician’s statement
  • Proof of Hospitalisation (all related medical and hospitalization documents)

*Adamjee life reserves the right to ask for further documentation, if required to validate the claim.



  • Pre-existing conditions are not covered under this plan.
  • In order for an individual to be eligible for a payout under the Hospitalisation cash back plan, the person admitted in the hospital should be admitted for duration of at least 24 hours.
  • Bank Alfalh is acting as an agent on behalf of Adamjee Life, and is not responsible in any manner, whatsoever, to the customer, his/her beneficiary/ies or any third party.
  • All Hospital Cash Plans applications are processed and approved by Adamjee Life, as per their underwriting guidelines. Bank Alfalah is not responsible for the processing and approval of these applications in any way, whatsoever.
  • A detailed description of how the plan works is given in the ‘Terms and conditions’ which will be provided after the customer avails the service.
  • Where no claim has been instituted in terms of this Policy, or where no right has accrued to you to institute a claim or receive any benefit in terms of the Certificate, you may, within 14 days after the Policy documentation has been sent by Adamjee Life, cancel the policy by informing Adamjee Life of the cancellation or notifying Adamjee Life in writing of the cancellation of the Policy. All Premiums paid during this 14 day review period shall be refunded by Adamjee Life, subject to the deduction of the cost of any medical examination incurred by Adamjee Life in connection with underwriting of the Policy.
  • Per confinement benefit is limited to maximum consecutive 30 days of Hospitalisation.