Bcare Product

Introducing B-Care: Your Comprehensive Health Plan

Protect your health and wallet with BIMA’s Cashless Insurance, a smarter way to manage medical expenses. Enjoy broad medical protection, whether it’s a major surgery or a simple check-up.

Bcare

Discover the Benefits:

Inpatient Coverage (IPD): Includes hospitalization, surgeries, and emergency medical care for serious health conditions.

Outpatient Coverage (OPD): Covers routine doctor visits, diagnostic tests, and prescribed medications for everyday health needs.

Zero Hassle, Zero Upfront Payment: Get treated at any panel hospital without upfront payment—just show your registered mobile number, CNIC, and digital policy card.

Nationwide Hospital Access: Get quality care wherever you are, with 300+ trusted hospitals across Pakistan.

Smooth & Stress-Free Process: No paperwork. No delays. Just fast, cashless care so you can focus on your recovery, not the bills.

Flexible Subscription Plans: Enjoy peace of mind all year round with annual coverage and the convenience of affordable monthly payments.

Our plans

We offer 4 categories of plans, each with 4 tiers of support (Silver, Gold, Platinum & Diamond)

  • Single – Self
  • Joint (Self & Spouse only)
  • Family (Self, Spouse & up to 01 children)
  • Family Plus (Self, Spouse & up to 02 children)
Benefits Silver Gold Platinum Diamond
IPD (Hospitalization) Yearly Limit 150,000 250,000 350,000 500,000
OPD Yearly Limit 15,000 25,000 35,000 50,000
Discounted Medicine (Yearly) 3,000 5,000 7,000 10,000
Discounted Lab test (Yearly) 6,000 10,000 14,000 20,000
Consultation (Yearly) 6,000 10,000 14,000 20,000
24/7 Tele Doctor ✔ ✔ ✔ ✔
Access to Specialist ✔ ✔ ✔ ✔
Health Tips ✔ ✔ ✔ ✔

Single Plan Charges

Age Band Silver Gold Platinum Diamond
18 to 45 862/mo – 10,348/yr 1,377/mo – 16,523/yr 1,837/mo – 22,047/yr 2,537/mo – 30,442/yr
46 to 59 1,459/mo – 17,510/yr 2,336/mo – 28,026/yr 3,139/mo – 37,673/yr 4,038/mo – 48,455/yr
60 to 64* (Renewal) 3,394/mo – 40,732/yr 5,464/mo – 65,572/yr 7,408/mo – 88,892/yr 9,283/mo – 111,394/yr

Joint Plan - (Covers policyholder + spouse)

Age Band Silver Gold Platinum Diamond
18 to 45 1,547/mo – 18,560/yr 2,463/mo – 29,559/yr 3,289/mo – 39,473/yr 4,511/mo – 54,127/yr
46 to 59 2,704/mo – 32,450/yr 4,344/mo – 52,130/yr 5,821/mo – 69,857/yr 7,422/mo – 89,069/yr
60 to 64* (Renewal) 6,484/mo – 77,809/yr 10,439/mo – 125,269/yr 14,141/mo – 169,691/yr 17,677/mo – 212,124/yr

Family Plan - (Covers policyholder + spouse + 1 child)

Age Band Silver Gold Platinum Diamond
18 to 45 2,167/mo – 25,998/yr 3,466/mo – 41,594/yr 4,621/mo – 55,454/yr 6,372/mo – 76,461/yr
46 to 59 3,342/mo – 40,105/yr 5,347/mo – 64,165/yr 7,153/mo – 85,838/yr 9,284/mo – 111,403/yr
60 to 64* (Renewal) 7,122/mo – 85,464/yr 11,442/mo – 137,304/yr 15,473/mo – 185,672/yr 19,538/mo – 234,458/yr

Family Plus Plan - (Covers policyholder + spouse + 2 children)

Age Band Silver Gold Platinum Diamond
18 to 45 2,655/mo – 31,858/yr 4,244/mo – 50,927/yr 5,616/mo – 67,391/yr 7,764/mo – 93,172/yr
46 to 59 3,812/mo – 45,748/yr 6,107/mo – 73,281/yr 8,148/mo – 97,775/yr 10,694/mo – 128,331/yr
60 to 64* (Renewal) 7,610/mo – 91,324/yr 12,220/mo – 146,637/yr 16,467/mo – 197,608/yr 20,949/mo – 251,387/yr

Additional Conditions

  • Once the customer is enrolled, he/she cannot change the plan during next 12 months.
  • Insureds are covered according to the above age band subject to full participation and the maximum age limit.
  • 30 days waiting period will be applied on hospitalization.
  • Cashless facility is only available from panel hospitals. Reimbursement claims will not be entertained.
  • The policy term is 1 year and yearly renewable up to the maximum age limit.
  • The plan will be terminated at the age of 64th birthday.

Monthly Premium Mode Schedule

Limits for continuous premium-paying policyholders in monthly mode

OPD Coverage Schedule

Period Tier Silver Gold Platinum Diamond
Up to 3rd Month OPD Limit 2,000 4,000 6,000 8,000
Medicine (20%) 400 800 1,200 1,600
Lab test (40%) 800 1,600 2,400 3,200
Consultation (40%) 800 1,600 2,400 3,200
4th to 6th Month OPD Limit 6,000 11,000 15,000 21,000
Medicine (20%) 1,200 2,200 3,000 4,200
Lab test (40%) 2,400 4,400 6,000 8,400
Consultation (40%) 2,400 4,400 6,000 8,400
7th to 9th Month OPD Limit 10,000 17,000 23,000 33,000
Medicine (20%) 2,000 3,400 4,600 6,600
Lab test (40%) 4,000 6,800 9,200 13,200
Consultation (40%) 4,000 6,800 9,200 13,200
10th to 12th Month OPD Limit 15,000 25,000 35,000 50,000
Medicine (20%) 3,000 5,000 7,000 10,000
Lab test (40%) 6,000 10,000 14,000 20,000
Consultation (40%) 6,000 10,000 14,000 20,000

IPD Coverage Schedule

Period Silver Gold Platinum Diamond
Up to 3rd Month 20,000 40,000 60,000 80,000
4th to 6th Month 60,000 110,000 150,000 210,000
7th to 9th Month 100,000 170,000 230,000 330,000
10th to 12th Month 150,000 250,000 350,000 500,000

Terms & Conditions

At Milvik, we value transparency and trust. Please take a moment to read our terms and conditions to understand our commitment to providing reliable health and life coverage.

Overview

FEATURES AND BENEFITS:

  • 24/7 unlimited teleconsultations with PMDC certified doctors via a dedicated helpline for customers and their families.
  • Appointment-based access to expert Nutritionists, Gynecologists, Pediatricians, Clinical Dieticians, and Mental health experts.
  • 7% – 10% discounts on medicines with free home delivery for customers availing the m-health service.
  • 25% – 40% discounts on laboratory tests

How to subscribe

To subscribe to B-Care, please call our helpline at 042 111 11 9878 or visit our nearest partner location. Our team will guide you through the simple enrollment process.