This Personal Accidental insurance being underwritten by IGI General Insurance is distributed
by Milvik (BIMA) Mobile Pakistan in the capacity of Corporate Insurance agent.
a). OVERVIEW
BIMA, in partnership with Jazz, brings you an easy and affordable way to stay protected with
our Personal Accident Insurance service. This mobile-based service lets you choose flexible
plans that fit your needs and budget — giving you peace of mind and financial protection in
case of unexpected accidents.
Features/Benefits
- Personal Accident Insurance: Stay protected against life’s unexpected
accidents with comprehensive coverage designed for your peace of mind.
- Accidental Hospitalization Cover: Get financial support for hospital
stays due to accidents, with coverage of up to 30 nights per year.
- Fast & Hassle-Free Claim Settlement: a smooth claims process, with
payments made conveniently through online channels within 7 to 10 working days.
- Funeral Expense Benefit: In the unfortunate event of death due to an
accident, your family receives financial assistance to help manage funeral costs.
- Accidental Coverage for Loss or Disability: Receive compensation for
accidental death, or complete or partial permanent disability resulting from an
accident.
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 Cover:
| Plan |
Daily Price |
Monthly Price |
Yearly Price |
Payment Options |
Maximum Insurance Coverage |
Funeral Benefit |
Accidental Hospital Stay (per night) |
| Bronze |
Rs. 1.2 |
NA |
NA |
Prepaid Balance |
Up to PKR 112,500 |
PKR 25,000 |
PKR 500 |
| Silver |
Rs. 3 |
Rs. 104 |
Rs. 1,080 |
Prepaid Balance / Postpaid Bill / JazzCash |
Up to PKR 280,000 |
PKR 50,000 |
PKR 750 |
| Gold |
Rs. 5 |
Rs. 173 |
Rs. 1,800 |
Prepaid Balance / Postpaid Bill / JazzCash |
Up to PKR 560,000 |
PKR 100,000 |
PKR 1,500 |
| Platinum |
Rs. 10.5 |
Rs. 362 |
Rs. 3,780 |
Prepaid Balance / Postpaid Bill / JazzCash |
Up to PKR 1,560,000 |
PKR 225,000 |
PKR 3,500 |
| Diamond |
Rs. 19 |
Rs. 656 |
Rs. 6,840 |
Prepaid Balance / Postpaid Bill / JazzCash |
Up to PKR 3,125,000 |
PKR 450,000 |
PKR 7,500 |
| Crown |
— |
Rs. 960 |
Rs. 11,520 |
JazzCash / Debit or Credit Card |
Up to PKR 4,000,000 |
PKR 650,000 |
PKR 12,000 |
| Master |
— |
Rs. 1,440 |
Rs. 17,280 |
JazzCash / Debit or Credit Card |
Up to PKR 5,000,000 |
PKR 1,000,000 |
PKR 20,000 |
- 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
PERMANENT PARTIAL DISABLEMENT
| PERMANENT PARTIAL DISABLEMENT |
% of maximum insurance benefit paid |
| Amputation or Loss of use of a limb |
50% |
| Amputation or Loss of use of four fingers and thumb on one hand |
50% |
| Total and irrevocable loss of all sight in one eye |
50% |
| Total Loss of hearing or speech |
50% |
| Burns – 3rd degree covering more than 9% of body |
50% |
PKR 280,000 Policy:
| Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
| 90 |
280,000 |
| 87 |
270,667 |
| 84 |
261,333 |
| 81 |
252,000 |
| 78 |
242,667 |
| 75 |
233,333 |
| 72 |
224,000 |
| 69 |
214,667 |
| 66 |
205,333 |
| 63 |
196,000 |
| 60 |
186,667 |
| 57 |
177,333 |
| 54 |
168,000 |
| 51 |
158,667 |
| 48 |
149,333 |
| 45 |
140,000 |
| 42 |
130,667 |
| 39 |
121,333 |
| 36 |
112,000 |
| 33 |
102,667 |
| 30 |
93,333 |
| 27 |
84,000 |
| 24 |
74,667 |
| 21 |
65,333 |
| 18 |
56,000 |
| 15 |
46,667 |
| 12 |
37,333 |
| 9 |
28,000 |
| 6 |
18,667 |
| 3 |
9,333 |
| 0 |
Nil |
PKR 560,000 Policy:
| Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
| 150 |
560,000 |
| 145 |
541,333 |
| 140 |
522,667 |
| 135 |
504,000 |
| 130 |
485,333 |
| 125 |
466,667 |
| 120 |
448,000 |
| 115 |
429,333 |
| 110 |
410,667 |
| 105 |
392,000 |
| 100 |
373,333 |
| 95 |
354,667 |
| 90 |
336,000 |
| 85 |
317,333 |
| 80 |
298,667 |
| 75 |
280,000 |
| 70 |
261,333 |
| 65 |
242,667 |
| 60 |
224,000 |
| 55 |
205,333 |
| 50 |
186,667 |
| 45 |
168,000 |
| 40 |
149,333 |
| 35 |
130,667 |
| 30 |
112,000 |
| 25 |
93,333 |
| 20 |
74,667 |
| 15 |
56,000 |
| 10 |
37,333 |
| 5 |
18,667 |
| 0 |
Nil |
PKR 1,560,000 Policy:
| Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
| 315 |
1,560,000 |
| 304 |
1,508,000 |
| 294 |
1,456,000 |
| 283 |
1,404,000 |
| 273 |
1,352,000 |
| 262 |
1,300,000 |
| 252 |
1,248,000 |
| 241 |
1,196,000 |
| 231 |
1,144,000 |
| 220 |
1,092,000 |
| 210 |
1,040,000 |
| 199 |
988,000 |
| 189 |
936,000 |
| 178 |
884,000 |
| 168 |
832,000 |
| 157 |
780,000 |
| 147 |
728,000 |
| 136 |
676,000 |
| 126 |
624,000 |
| 115 |
572,000 |
| 105 |
520,000 |
| 94 |
468,000 |
| 84 |
416,000 |
| 73 |
364,000 |
| 63 |
312,000 |
| 52 |
260,000 |
| 42 |
208,000 |
| 31 |
156,000 |
| 21 |
104,000 |
| 10 |
52,000 |
| 0 |
Nil |
PKR 3,125,000 Policy:
| Amount of End User Price paid in calendar month (PKR) |
Insurance Cover in the following calendar month |
| 570 |
3,125,000 |
| 551 |
3,020,833 |
| 532 |
2,916,667 |
| 513 |
2,812,500 |
| 494 |
2,708,333 |
| 475 |
2,604,167 |
| 456 |
2,500,000 |
| 437 |
2,395,833 |
| 418 |
2,291,667 |
| 399 |
2,187,500 |
| 380 |
2,083,333 |
| 361 |
1,979,167 |
| 342 |
1,875,000 |
| 323 |
1,770,833 |
| 304 |
1,666,667 |
| 285 |
1,562,500 |
| 266 |
1,458,333 |
| 247 |
1,354,167 |
| 228 |
1,250,000 |
| 209 |
1,145,833 |
| 190 |
1,041,667 |
| 171 |
937,500 |
| 152 |
833,333 |
| 133 |
729,167 |
| 114 |
625,000 |
| 95 |
520,833 |
| 76 |
416,667 |
| 57 |
312,500 |
| 38 |
208,333 |
| 19 |
104,167 |
| 0 |
Nil |
e).
Acknowledgement
(Policy Terms and Conditions shall remain subject to the following)
- Milvik (BIMA) Mobile Pakistan is a Corporate Insurance Agent who has been authorized by
IGI General Insurance Company Limited to bind cover on behalf of Insurer within the
terms and conditions of this Insurance Policy. To cease monthly deductions, the
Subscriber must deregister the Subscriber’s BIMA Personal Accidental (PA) Plan by
contacting helpline 042111119878. Otherwise, Jazz will continue making monthly
deductions.
- If a Subscriber enrolls in more than one BIMA Personal Accidental (PA) Plan under the
Insurance Policy (including via different jazz mobile accounts), the maximum benefit
payable will be limited to the highest benefit of one of the subscribed plans. The
maximum liability to the Subscriber or their beneficiary will also correspond to this
highest benefit.
- After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to
share his details and information available with Jazz and as sought by IGI General
Insurance and Milvik Mobile Pakistan or any other entity authorized by IGI General
Insurance in this regard, for inter alia processing of the Policy, storing and
processing data across countries, and more effectively providing the Insurance Service
and payment of Insurance Cover; Jazz Customer/Subscriber agrees and acknowledges that he
or his legal heirs shall not hold Jazz responsible for any consequences of sharing such
information;
- Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of
the Policy, suspension of Jazz Services of the Customer/Subscriber and termination of
his Connection; and
- While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs
directing to make/send calls/SMSs to any other number/short code or which are regarding
award of any prize (whether money or in kind) in lieu of balance transfer or any call.
Ignorance of this clause by Jazz Customer/Subscriber shall not accrue any
liabilities/responsibilities on IGI General Insurance or Jazz including but not limited
to liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber
- Jazz, IGI, or Milvik Mobile Pakistan may amend these Terms and Conditions at any time.
The Subscriber shall be informed through an SMS or any other manner in accordance with
the relevant laws that these Terms and Conditions are amended. Such SMS or information
through any other manner (as mentioned above) shall contain a link to such amended Terms
and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it
shall be the acceptance of the Subscriber to the amended Terms and Conditions.
- Jazz, Milvik Mobile Pakistan, and IGI may jointly amend the Service Charges from time to
time at their discretion in accordance with the applicable laws and regulations of
Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and
Conditions of the Subscriber shall also be the acceptance with the End User Price to be
charged to provide the Insurance Policy;
- IGI, Jazz, and Milvik Mobile Pakistan have the complete authority to stop offering BIMA
SEHAT Plan or Policy at any time at their discretion.
- The Subscriber acknowledges that these Terms and Conditions are in addition to the terms
and conditions accepted by the Subscriber at the time of availing Jazz’s cellular
services (which includes the terms and conditions of CSAF and the terms and conditions
received in the SIM Jacket). However, in case of conflict between these Terms and
Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to
the extent of subject matter of these Terms and Conditions.
- The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy
and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any
dispute arising hereunder.
- If any provision of the Insurance policy is found by any court or administrative body of
competent jurisdiction to be invalid or unenforceable, such invalidity or
unenforceability will not affect the other provisions of the Insurance policy which will
remain in full force and effect.
- This policy has been especially created to provide protection for those Jazz Customers
who successfully apply for that protection and who pay the appropriate Premium.
Accordingly, notices to the Subscriber may be provided by:
- SMS to the Subscriber’s postpaid mobile service (from which monthly deductions are
made); If a notice is made by SMS, the notice is deemed to be received on the day
the SMS is sent. If a notice is placed on a website, the notice is deemed to be
received on the day the notice is placed
- Notification placed on Jazz.com.pk or on the Insurer’s website at
https://igiinsurance.com.pk/; or on www.milvikpakistan.com
- By publication in a major newspaper in the Islamic Republic of Pakistan
f). FAQs
- I have already availed BIMA Sehat service, will this service be automatically
enabled on my number?
No, you have to enroll yourself into this service,
as BIMA Personal Accidental (PA) service charges will be separately deducted from your
JAZZ balance.
- What documents are required for CLAIM?
Customers must provide
supporting documents to BIMA for claim processing as per the nature of claim.
Accidental Death / Loss of Life:
- Proof of Accident (i.e., Hospital Report if any, Police Report, 1122 report)
- Death Certificate (By Union Council/Hospital Signed & Stamped)
- Customer and Beneficiary CNIC
- CNIC Cancellation certificate Issued by Nadra
Total Permanent Disability / Partial Disability:
- Proof of Accident (i.e., Hospital Report if any, Police Report, 1122 report)
- Discharge Slip (Signed & Stamped)
- Disability Certificate (Signed & Stamped)
- Customer’s CNIC
Funeral Claims:
- Death Certificate (By Union Council/Hospital Signed & Stamped)
- Customer and Beneficiary CNIC
- CNIC Cancellation certificate Issued by Nadra
Hospitalization Claim IPD:
- Discharged Slip (Treating Doctor Signed & Stamped)
- Copy of customer’s CNIC.
- How long will it take to get the amount reimbursed once CLAIM is
generated?
The money is paid by check or mobile money within 7 to 10
working days after the submission of all documents.
