FAQs
What is the claim procedure?
Customers can call our helpline at 042-111-119-878 to process their claims.
What documents are required for a claim?
Customers will need to provide their CNIC, along with the final hospital invoice or discharge report, which must include the dates of admission and discharge.
How long will it take to receive reimbursement once a claim is generated?
Reimbursement will be issued via check or mobile money within 3 to 10 working days after all documents are submitted.
Under what conditions is a person not entitled to a claim?
Claims are not covered for intentional self-inflicted injuries, suicide attempts, or situations arising from non-adherence to medical advice. Elective treatments, such as cosmetic surgery, are also not covered. Additionally, pregnancy and any complications related to pregnancy are not covered during the first 12 months of the policy.
When will a postpaid customer be covered by the Hospitalization Insurance?
A postpaid customer will be covered starting from the second day after registration.
What happens if a postpaid customer’s number remains inactive during the billing cycle?
If the customer does not reactivate during the billing cycle, BIMA will not provide insurance coverage.
Will charges for the postpaid customer be deducted daily?
At the time of registration, the customer will be charged on a prorated basis until their bill date. From the second month onward, charges will be applied on a prorated and recurring basis.
How can a customer unsubscribe from this service?
To unsubscribe from this service, the customer can call 042-111-119-878 at any time.
What happens if a customer subscribes to the service and then deregisters before the bill date?
If a customer subscribes on July 15 and deregisters on July 17, before the bill date of August 2, they will receive coverage based on prorated charges.
If a customer hasn’t paid their bill (assuming the number is not in a suspended state), will they be eligible to claim next month?
Yes, they will be covered, as the collection of bills is not linked to the customer’s coverage.
If a customer is out of the country and roaming, can they opt for the BIMA service?
Yes, if a BIMA agent communicates with the original customer and they agree to opt in.
If a customer is out of the country and roaming, will they be eligible for a claim? If so, what will be the deduction criteria?
Yes, postpaid customers will be eligible for coverage while out of the country, as they are charged through their bill.
