This health insurance being underwritten by IGI General Insurance and distributed by Milvik
(BIMA) Mobile Pakistan in the capacity of Corporate Insurance agent.
a. PRODUCT
OVERVIEW
Protect your family’s health and financial security with BIMA Sehat — a comprehensive monthly
hospitalization insurance plan that also includes convenient health services. You can easily
pay for your BIMA Sehat plan through daily or monthly deductions from your Jazz airtime
balance, Postpaid bill or JazzCash wallet, ensuring seamless and worry-free coverage.
Features and
benefits:
- 24/7 unlimited teleconsultations with qualified doctors via a dedicated helpline 042 111
11 9878.
- Appointment-based specialist consultations, including gynecologists, nutritionist,
dermatologist, Pediatricians, Mental health experts, Internal Medicine and
Physiotherapist
- Hospitalization Cover – up to 30 nights covered in a year.
- Swift & Hassle-free insurance claim settlement through Online payment channels within
3-10 working days.
- Doorstep delivery of discounted medicines (Up to 10% discount)
- Doorstep home sampling with Discounted Lab tests (Up to 40%)
- Personalized diet & workout plans.
- Regular health tips to improve your daily life.
- Coaching from mental health experts.
b. How to
subscribe:
Subscribing to BIMA Services is quick and easy!
- Via App: You can download the FikrFree App and subscribe to BIMA
services directly through the app in just a few taps.
- Call us: Simply dial 042 111 119 878 on your jazz number — it’s
completely free of charge.
c. Charges and
BIMA Sehat Cover:
| Plan |
Daily Price |
Monthly Price |
Annual Price |
Payment Option |
Hospitalization Coverage per Night (up to 30 nights per year) |
| Bronze |
Rs. 1.2 |
NA |
NA |
Prepaid Balance |
PKR 500 |
| Silver |
Rs. 3 |
Rs. 104 |
Rs. 1,240 |
Prepaid Balance / Postpaid Bill / JazzCash |
PKR 1,250 |
| Gold |
Rs. 5 |
Rs. 173 |
Rs. 2,076 |
Prepaid Balance / Postpaid Bill / JazzCash |
PKR 3,000 |
| Platinum |
Rs. 9.5 |
Rs. 328 |
Rs. 3,936 |
Prepaid Balance / Postpaid Bill / JazzCash |
PKR 7,000 |
| Diamond |
Rs. 17 |
Rs. 587 |
Rs. 7,044 |
Prepaid Balance / Postpaid Bill / JazzCash |
PKR 15,000 |
| Crown |
— |
Rs. 867 |
Rs. 10,404 |
JazzCash / Debit or Credit Card |
PKR 20,000 |
| Master |
— |
Rs. 1,300 |
Rs. 15,600 |
JazzCash / Debit or Credit Card |
PKR 30,000 |
- For Prepaid Balance and Postpaid Bill users, the monthly price is divided into 30 equal
daily installments.
- Each day, one installment is deducted automatically until the full monthly amount is
received.
- If your prepaid balance is low or your postpaid credit limit is reached, the daily
charge for that day may not be deducted. In such cases, a proportionately reduced
insurance benefit will still apply, even if payment was received for only one day.
- The Crown and Master plans are not available through prepaid or postpaid billing. These
premium plans can be purchased only via JazzCash or Debit/Credit Card, with payments
accepted on a monthly or annual basis, and are exclusively available through the
FikrFree App.
How do I Claim:
Filing a claim is quick and easy. You can download the FikrFree App from the Play Store or
App Store and submit your claim directly through the app. Claims should be filed within 30
days of the hospitalization or covered incident, along with all required supporting
documents for verification. Alternatively, you can call the BIMA Helpline at 042-111-119-878
for assistance with your claim.
d). Terms and
Conditions
The Insurance is underwritten by IGI General Insurance and delivered by MILVIK (BIMA)
BIMA Since 2010, has been revolutionizing lives in emerging markets with its innovative
mobile-led insurance and health products. Serving over 7 million active customers across 6
countries in Asia and Africa, BIMA has established itself as a global leader in the
industry.
Milvik (BIMA) Mobile Pakistan, established in 2015, partnered with Mobile Network Operators
(MNOs) and insurance companies to provide digital healthcare and insurance services that are
affordable and accessible to all the Pakistanis
Product is proudly underwritten by IGI General Insurance. IGI General Insurance offers first
class security and service to the insuring public at an international standard.
Jazz Telecom is facilitating this offering but shall not be responsible for any grievance of
the Jazz Customer relating to the Insurance Services and IGI General Insurance’s or MILVIK’s
performance of its obligations.
BIMA SEHAT POLICY
Whereas the Insured Person by a proposal which shall be the basis of the contract and be held
as incorporated herein has applied to the Company for the insurance hereinafter contained
and has paid or agreed to pay the first premium as consideration for such insurance.
Now this policy witnesses that subject to the terms conditions and exceptions contained
herein or endorsed hereon, if at any time during the period of insurance, if the Insured
Person shall be hospitalized due to any reason (with the exception of the exclusions) the
Company will pay to the Insured Person or his beneficiary
DEFINITIONS
- BIMA SEHAT means monthly hospitalization insurance policy with
Tele-Health Services
- IGI refers to the COMPANY, the INSURER, or IGI General Insurance
Company Limited.
- APPLICANT means the individual who applies for BIMA Sehat Plan under
this Policy.
- BENEFICIARY is defined as Beneficiary in the application or the person
substituted as such.
- INSURANCE BENEFIT(S) are amounts payable in the event of an
indemnifiable claim and as detailed in the Schedule of Insurance Benefits attached
hereinafter.
- MILVIK refers to MILVIK Mobile Pakistan.
- The COMPANY is stated as IGI General Insurance Company Limited.
- ELIGIBLE APPLICANT means an Applicant who meets the eligibility
criteria set forth in this Policy.
- END USER PRICE means the amount to be charged to the Subscriber for
getting the Insurance Policy and it shall include the Premium, Jazz’s Consideration and
any applicable taxes on the telco services involved in the provision of Insurance
Services.
- HOSPITAL is defined as “Any institution in Pakistan that has been
registered as a hospital with the local authorities and is under the supervision of a
registered and qualified medical practitioner.”
- HOSPITALISATION: staying minimum of one night in a facility recognized
as hospital.
- INSURANCE COVER means the amount which shall be paid by IGI to the
Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
- INSURANCE POLICY means this insurance policy setting out the terms and
conditions on which insurance coverage is granted to a Subscriber.
- INSURANCE SERVICES shall mean the insurance services to be provided to
Jazz Customers.
- The INSURED or INSURED PERSON means any Jazz Telecom
subscriber who opt to purchase policy
- The INSURER is stated as IGI General Insurance Company Limited.
- MSISDN shall mean Mobile Subscriber Integrated Services Digital Network
Number.
- PREMIUM means the premium payable by an Insured Member to Insurer in
relation to the Insurance Policy.
- SUBSCRIBER means those Jazz Customers who subscribe for the Insurance
Services to get this Insurance Policy.
- JAZZ refers to Pakistan Mobile Communications Limited, a company duly
incorporated and registered under the Companies Ordinance 1984 of Pakistan, and having
its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
- JAZZ CUSTOMERS shall mean the customers of Jazz using Jazz’s System.
- JAZZ SYSTEMS mean Jazz’s GSM mobile cellular system.
- JAZZ PAYMENT TERMS mean Jazz’s payment terms published at jazz.com.pk,
as revised from time to time.
EXCLUSIONS
The BIMA SEHAT plan shall not cover any hospitalization claim which is caused by, or
resulting, directly or indirectly, wholly or partly, from any of the following factors:
- intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to
medical advice;
- elective treatment, such as cosmetic surgery; and
- pregnancy and any complications arising from pregnancy during the first nine (9) months
from the Subscription.
GENERAL PROVISIONS
- Eligibility & Enrolment: Applicants are
eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL
the criteria set out below:
1) Eligible Applicants include individual prepaid and postpaid Jazz customers. It is
understood and agreed by both Parties that only one (1) person can be insured per
prepaid or postpaid mobile connection, or through a JazzCash wallet account.
2) All Eligible Applicants shall be natural people. Corporations, partnerships and
businesses shall not be eligible for coverage under the BIMA Sehat Policy.
3) All Eligible Applicants shall be a minimum of eighteen (18) years of age and a
maximum of sixty-four (64) years of age at the time of registration.
- Participation Requirement/Process:
Customers can enroll in the BIMA Sehat Insurance service through a digital onboarding
process, either directly via the FikrFree App...
1st Phase: Customers provide basic information...
2nd phase: After completing Phase 1, the customer receives an
SMS...
- Beneficiary Nomination: The insured person
may update or change the beneficiary at any time...
- Mistake In Age: The Company will pay
insurance benefits based on the age of the insured as disclosed...
- Intentional False Statements of the
Insured: Any intentional concealment, misstatement, or false declaration...
- Multiple Policies Restriction: Each
insured person may only be covered under one (1) active policy...
- Data Protection and Privacy: The insurer
shall collect, process and retain personal and health information...
- Premium Collection & Lapse Mechanism:
Prepaid and Postpaid Users: If the daily premium cannot be deducted... JazzCash Users:
For payments made via JazzCash...
- Grace Period / Reinstatement: A grace
period of three (3) days shall be allowed...
- Refunds on Cancellation: Premiums once
deducted shall be non-refundable...
- Waiting Period / Pre-Existing Conditions:
A general waiting period of thirty (30) days...
- Notice Of Claims:
1. the Company shall be notified...
2. For each Claim reported, the Company shall obtain...
3. The Company shall process and pay...
4. If there is a dispute...
- Coordination of Benefits: If the insured
person is covered under any other health or hospitalization policy...
- No Duplicate Settlement: In the event that
any hospitalization expenses or claims have already been paid...
- Timelines for Claim Processing: Claims
shall be processed within three to ten (3-10) working days...
- Definition of Working Days: For the
purpose of these Terms and Conditions...
- Fraud, Misrepresentation, and Audit: The
insurer reserves the right to investigate any claim...
- Force Majeure / System Outages: The
insurer shall not be liable for any failure...
- Automatic Termination Of Individual
Insurance: The insurance of an Insured shall automatically terminate...
- Termination or Refusal of Renewal by
Insurer: The Insurer may terminate or refuse renewal...
- Right of Underwriting and Renewal: In
accordance with applicable insurance regulations...
- Premium & Benefits Revision: The insurer
reserves the right to revise premium rates...
- Dispute Resolution Hierarchy: Any dispute,
grievance, or claim arising under this policy...
- Arbitration: All differences arising out
of this policy...
- Compliance with Policy Provisions: Failure
to comply with any of the provisions...
- Insurance Benefits: The Company hereby
agrees to pay the following benefit... If an Insured is hospitalized...
- Hospitalization Nights Limit: Coverage is
limited to a maximum of thirty (30) hospitalization nights...
Benefits: The amount of benefit received by the Insured or the Beneficiary
in the event of hospitalization from the from the first night of hospitalization of the
Insured will be according to the amount of premium paid and subject to the terms and
conditions of the product.
Terms and conditions of this cover are as follows:
- Coverage operates on a monthly renewal basis. Premiums paid in the current month
generate coverage for the following month.
- If no premium is received for a given month, coverage for that subsequent month shall
lapse automatically...
- Only one (1) policy shall be issued per applicant.
- All claims must be reported to the Company within two hundred and seventy (270) days...
Payment of any claim is subject to policy exclusions and verification of premium payment
status at the time of the event.
The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful
Applicant for the BIMA Sehat Insurance Cover.
PKR 1,250 Per night
| Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
| 90 |
1,250 |
| 87 |
1,208 |
| 84 |
1,167 |
| 81 |
1,125 |
| 78 |
1,083 |
| 75 |
1,042 |
| 72 |
1,000 |
| 69 |
958 |
| 66 |
917 |
| 63 |
875 |
| 60 |
833 |
| 57 |
792 |
| 54 |
750 |
| 51 |
708 |
| 48 |
667 |
| 45 |
625 |
| 42 |
583 |
| 39 |
542 |
| 36 |
500 |
| 33 to 3 |
500 |
| 0 |
Nil |
PKR 3,000 per night
| Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
| 150 |
3,000 |
| 145 |
2,900 |
| 140 |
2,800 |
| 135 |
2,700 |
| 130 |
2,600 |
| 125 |
2,500 |
| 120 |
2,400 |
| 115 |
2,300 |
| 110 |
2,200 |
| 105 |
2,100 |
| 100 |
2,000 |
| 95 |
1,900 |
| 90 |
1,800 |
| 85 |
1,700 |
| 80 |
1,600 |
| 75 |
1,500 |
| 70 |
1,400 |
| 65 |
1,300 |
| 60 |
1,200 |
| 55 |
1,100 |
| 50 |
1,000 |
| 45 |
900 |
| 40 |
800 |
| 35 |
700 |
| 30 |
600 |
| 25 |
500 |
| 20 |
500 |
| 15 |
500 |
| 10 |
500 |
| 5 |
500 |
| 0 |
Nil |
PKR 7,000 per night
| Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
| 285 |
7,000 |
| 276 |
6,767 |
| 266 |
6,533 |
| 257 |
6,300 |
| 247 |
6,067 |
| 238 |
5,833 |
| 228 |
5,600 |
| 219 |
5,367 |
| 209 |
5,133 |
| 200 |
4,900 |
| 190 |
4,667 |
| 181 |
4,433 |
| 171 |
4,200 |
| 162 |
3,967 |
| 152 |
3,733 |
| 143 |
3,500 |
| 133 |
3,267 |
| 124 |
3,033 |
| 114 |
2,800 |
| 105 |
2,567 |
| 95 |
2,333 |
| 86 |
2,100 |
| 76 |
1,867 |
| 67 |
1,633 |
| 57 |
1,400 |
| 48 |
1,167 |
| 38 |
933 |
| 29 |
700 |
| 19 |
500 |
| 10 |
500 |
| 0 |
Nil |
PKR 15,000 per night
| Amount of End User Price paid in calendar month (PKR) |
Per night cover in the following calendar month |
| 510 |
15,000 |
| 493 |
14,500 |
| 476 |
14,000 |
| 459 |
13,500 |
| 442 |
13,000 |
| 425 |
12,500 |
| 408 |
12,000 |
| 391 |
11,500 |
| 374 |
11,000 |
| 357 |
10,500 |
| 340 |
10,000 |
| 323 |
9,500 |
| 306 |
9,000 |
| 289 |
8,500 |
| 272 |
8,000 |
| 255 |
7,500 |
| 238 |
7,000 |
| 221 |
6,500 |
| 204 |
6,000 |
| 187 |
5,500 |
| 170 |
5,000 |
| 153 |
4,500 |
| 136 |
4,000 |
| 119 |
3,500 |
| 102 |
3,000 |
| 85 |
2,500 |
| 68 |
2,000 |
| 51 |
1,500 |
| 34 |
1,000 |
| 17 |
500 |
| 0 |
Nil |
Hospital Insurance Cover: lump sum pay out based on number of overnight
stays in hospital, maximum thirty (30) nights per year.
In addition to the Hospitalization cover BIMA Sehat service includes:
Health programs: Access to one health program, chosen by the Subscriber from
a menu of health programs provided by MILVIK...
Tele-Consultation: Unlimited access to tele-consultations with MILVIK
doctors...
Specialist Consultation: Access to specialists (gynecologist, pediatrician,
nutritionist and psychologist/psychiatrist)...
DISCLAIMER/ TERMS
OF USE of BIMA SEHAT Consultations
TERMS OF USE
This document is an agreement between you and Milvik (BIMA) Mobile Pakistan...
- Services Provided: MILVIK provides real-time medical consultations...
- Use of MILVIK health Services is NOT FOR EMERGENCIES: Our Services are
NOT for use in potential or actual medical emergencies...
- Relationship with your Primary Care Physician: Your interaction with
the BIMA Doctors...
- Medication Policy: MILVIK will provide you with access to BIMA
Doctors...
- Privacy: When you sign up for the Services...
- Intellectual Property Rights: You may communicate materials containing
our copyrights...
- Informed Consent: Tele-health is the delivery of health care
services...
- Limitations of Tele-Health: There are potentials risks associated...
- Complaints and Disputes: You can always give us feedback...
- Acceptance of these terms of use: By using the Services, you
acknowledge...
d.
Acknowledgement
(Policy Terms and Conditions shall remain subject to the following)
- MILVIK BIMA is a Corporate Insurance Agent...
- If a Subscriber enrolls in more than one BIMA Sehat Plan...
- After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to
share his details...
- Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture...
- While availing the Insurance Service the Subscriber shall not respond to any
calls/SMSs...
- Jazz, IGI, or Milvik Mobile Pakistan may amend these Terms and Conditions at any time...
- Jazz, Milvik, and IGI may jointly amend the Service Charges...
- IGI, Jazz, and Milvik have the complete authority to stop offering BIMA SEHAT Plan...
- The Subscriber acknowledges that these Terms and Conditions are in addition to the
terms...
- The domestic laws of the Islamic Republic of Pakistan shall govern...
- If any provision of the Insurance policy is found by any court...
- This policy has been especially created to provide protection...
e. FAQS
- I have already availed Personal Accident Insurance service, will this service be
automatically enabled on my number?
No, you have to enroll yourself into
this service...
- What documents are required for CLAIM?
CNIC, Final hospital invoice
or Discharge report...
- How long will it take to get the amount reimbursed once CLAIM is
generated?
The money is paid by check or mobile money within 3 – 10
working days...
- On which conditions a person is not entitled for CLAIM?
Due to
intentional self-inflicted injury...
