BIMA ACCIDENTAL INSURANCE (Prepaid)

OVERVIEW

Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through his monthly postpaid bill.

How to subscribe:

Call 042-111-119-878 or SMS “BIMA Sehat” to 9878 and an agent will call* you to guide and help subscribe to the service *MILVIK agent will call you within 24 working hours There are no charges for sending an SMS to 9878.

CHARGES

Charges and BIMA Cover:

Plan	**Daily Price	**Monthly Price	Maximum Cover/Benefit Provided
Silver	PKR 1.58	PKR 47.50	PKR 225000
Gold	PKR 3.17	PKR 94.99	PKR 450000
Platinum	PKR 7.92	PKR 237.49	PKR 1250000
Diamond	PKR 15.83	PKR 475.01	PKR 2500000

How do I Claim:

SMS ‘CLAIM’ to 9878 or call

042-111-119-878 no later than 270 days from the first night of hospitalization and a BIMA representative will contact you with full information on how to process your claim.

TERMS & CONDITIONS

The Insurance is underwritten by IGI General Insurance and delivered by BIMA.

BIMA is the global leader in mobile micro-insurance and it protects the future of 35 million families worldwide. It has operations in 10 markets across Asia & Africa. BIMA is proud to have paid over $ 8 million in claims.

BIMA 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 means monthly hospitalization insurance policy with Tele-Health 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.

HP- EXCLUSIONS:

The BIMA SEHAT plan will 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

1. Applicants are eligible to apply for BIMA Sehat insurance plan under the Policy if Applicants meet ALL the criteria set out below:

2. Eligible Applicants shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid telecommunication connection

3. All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the BIMA Sehat Policy

4. 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

5. If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:

Acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms:

1. Confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

2. Confirm the BIMA Sehat Plan that the Applicant wishes to apply for;

3. Authorize Jazz to make charges each month from the Postpaid bill and the insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded

Mistake in Age:

The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.

Notice of Claims:

The Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the first night of hospitalization after which it shall be treated as time barred and the Company shall not be bound to pay the Claim.

For each Claim reported, the Company shall obtain:

From the Claimant:

CNIC; final hospital invoice or discharge report which states date of admission and discharge.

Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.

The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.

If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.

Termination of Individual Insurance:

The insurance of an Insured shall automatically terminate at the earliest time below:

Upon Death of Policy Holder or Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or In case of non-payment of the individual End User Price for the Insurance Policy

Participation Requirement/Process:

Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:

1st Phase:

Name of the Customer

Age or CNIC Number

Insurance Benefits Selected by Customer

2nd Phase: Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by MILVIK to a MILVIK agent. This confirmation serves as digital signature for the BIMA SEHAT Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.

Arbitration

All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.

Compliance with Policy Provisions:

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

Insurance Benefits:

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder. If an Insured is hospitalized due to any reason(with the exception of exclusions), on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the hospitalization of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording.

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the hospitalization 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:

Only One (1) policy per applicant

A Claim must be intimated to the Company within two hundred & seventy (270) days from the date of first night of hospitalization

Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract

The following actions shall be taken depending on the decision of renewal or non-renewal:

On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable

On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month

The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

The Subscriber has the option to choose between four (4) cover levels, at four (4) corresponding End User Price points, as given below. Unlimited M health is included for all four (4) cover levels.

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. Health programs include periodic delivery of program-specific content through different communication channels. The health program is only available for the Subscriber.

Tele-Consultation:

Unlimited access to tele-consultations with MILVIK doctors to address acute minor ailments and to receive medical advice on general health topics, however, these may not be used for urgent conditions. The teleconsultations are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.

DISCLAIMER/ TERMS OF USE of BIMA SEHAT Consultations

TERMS OF USE

THIS DOCUMENT IS AN AGREEMENT BETWEEN YOU AND MILVIK, WHICH CONTAINS THE TERMS AND CONDITIONS YOU AGREE TO WHEN YOU USE THE BIMA SEHAT PRODUCT. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE OUR SERVICES. WE MAY UPDATE THESE TERMS OF USE FROM TIME TO TIME. WE ENCOURAGE YOU TO REVIEW THESE TERMS PERIODICALLY. YOUR CONTINUED USE OF OUR SERVICES (AS DEFINED BELOW) INDICATES YOUR ACCEPTANCE OF THE CHANGED TERMS OF USE.

Any reference to “MILVIK”, “our”, “us”, or “we” are references to MILVIK Mobile Pakistan (Pvt.) Limited, a private company registered in Pakistan (company number 90585), the registered office being 3rd Floor, New Liberty Tower, Model Town Link Road, Model Town, Lahore, Pakistan

1. Services Provided:

MILVIK provides real-time medical consultations with licensed physicians (“BIMA Doctors”) through telephone, video, SMS, apps or other means for the purpose of providing advice and/or recommendations on medical and health issues (“Services”). MILVIK may also offer other health-related services provided in partnership with local providers, which may include hospitals, diagnostic laboratories or pharmacies (together with the BIMA Doctors, the “Providers”).

MILVIK facilitates access to Providers who have agreed to provide medical and health advice and services to customers. It does not interfere with the practice of medicine or other licensed profession by BIMA Doctors and MILVIK does not impose any guidelines or protocols that restrict the actions of BIMA Doctors.

2. Use of MILVIK health Services is NOT FOR EMERGENCIES:

Our Services are NOT for use in potential or actual medical emergencies or if you have a condition that you know will require a physical examination. If this is the case, you should visit your nearest emergency room. You must not delay your visit to the emergency room in anticipation of obtaining medical advice from a BIMA Doctor through MILVIK.

3. Relationship with your Primary Care Physician:

Your interaction with the BIMA Doctors through our Services is not intended to replace your relationship with your existing primary care physician or other healthcare professional or be your permanent medical access point. You should seek emergency help or follow-up care when recommended by a BIMA Doctor or when otherwise needed and continue to consult with your primary care physician and other health care professionals as necessary. Consult your primary care physician or health care professional as relevant if you have any questions about any symptoms or medical condition, and before starting or stopping any treatment by your physician or health care professional.

4. Medication Policy:

MILVIK will provide you with access to BIMA Doctors that are appropriately qualified and experienced to practice medicine. Subject to all applicable laws, such BIMA Doctor may recommend a medication as deemed appropriate. BIMA Doctors cannot guarantee the availability, effectiveness, authenticity, reliability, safety, legality or quality of the recommended medicine. MILVIK does not guarantee that a BIMA Doctor will recommend or issue medication, and does not endorse, recommend or make any representation or warranty about the medicines recommended or prescribed by the BIMA Doctor.

You agree that any medication recommended to you from a BIMA Doctor shall be solely for your personal use. You agree to fully and carefully read all product information and labels before use and to contact a physician or pharmacist if you have any questions regarding the medicine. You agree that you are using our Services only for yourself, or on behalf of a child under 18 in your capacity as his/her parent or legal guardian, provided that you supervise the child’s use of the Services at all times. MILVIK may suspend services or terminate customer accounts if we reasonably suspect that such accounts are being used in breach of the restrictions in this section.

5. Privacy:

When you sign up for the Services, you agree that the Providers will communicate with you, by sending information, messages and notices to you. These messages may be conveyed or sent via email, SMS, notifications, etc, using the contact information associated with your account, which includes the information you provide when you register or update information in your account settings. You also agree that MILVIK may retain your medical records and that such records will be held in compliance with all applicable laws. MILVIK may record calls and other communications with you for quality assurance purposes.

6. Intellectual Property Rights:

You may communicate materials containing our copyrights, trademarks, trade secrets, patents, or other intellectual property rights (“IPR”) to your physician or health care professional only. You are not permitted to copy, distribute or make any business use of our IPR.

7. Informed Consent:

Tele-health is the delivery of health care services using interactive audio and/or video technology, where the patient and the BIMA Doctor are not in the same physical location. During your tele-health consultation with a BIMA Doctor details of your medical or health history and personal health information may be discussed through the use of interactive audio, video, and/or other telecommunications technology, and the BIMA Doctor may perform a physical exam through these technologies. Depending on your medical or health history and/or specific complaint, you may be asked to provide information through other electronic means and verify your identity with a national identity card or other legal document.

8. Limitations of Tele-Health:

There are potentials risks associated with the use of tele-health, including, but not limited to:

In some instances, the information transmitted may be of insufficient quality to allow for appropriate medical or health care decision making by the BIMA Doctor (i.e., poor call quality, poor resolution of images, etc.);

Delays in evaluation or treatment could occur due to failure of the electronic equipment or technical failures outside of our control. We are not responsible to you if this happens, but if it does, we will notify you as soon as we can and take the steps that we reasonably can to minimize the interruption to the Services;

In some instances, a lack of access to your complete medical records and incomplete or inaccurate disclosure by the patient may result in adverse drug reactions or allergic reactions or other judgment errors;

Although the electronic systems we use will incorporate networks and software security protocols to protect the privacy and security of health information, in some instances, security protocols may fail and cause a breach of privacy and/or personal health information.

9. Complaints and Disputes:

You can always give us feedback on our Services by calling 042-111-119-878 or emailing us at C S@MilvikPakistan.com

If you have a complaint about our Services, we would like to resolve it as soon as possible. Please tell us about your complaint as soon as you can so that we can do this. We may ask you for certain details about you and your complaint in order to address it. Please provide these as soon as you can so that we can resolve your complaint quickly. We will tell you the outcome of our investigation into your complaint and give you the chance to discuss it with us. If we find that we have broken any of these terms and you suffer loss or damage, we are responsible for compensating you for that loss or damage if it was a foreseeable result of our breaking of these terms. We are not responsible for compensating you for indirect, incidental, special or consequential damages.

These terms are governed by Pakistani laws and the Pakistani courts shall have exclusive jurisdiction to hear any claim arising out of or in connection with these terms or the use of our products and services.services.

10. Acceptance of these terms of use:

By using the Services, you acknowledge that you understand and agree with the following:

While benefits may be expected from the use of tele-health, no results can be guaranteed or assured, my situation may not be addressed or improved, and in some cases, it can get worse;

If you think you have a medical emergency or if you have a condition that you know will require a physical examination, you are responsible for visiting your nearest emergency room;

The Services are not suitable for unsupervised use by persons under 18;

Subject to all applicable laws, our BIMA Doctor may decide that tele-health services are not appropriate for some or all of your treatment needs and, accordingly, may elect not to provide tele-health services to you through MILVIK.

CHARGES:

Monthly	Daily	Method of Payment	Level of maximum insurance benefit provided
47.5	1.58	Prepaid balance	PKR 225,000
94.99	3.17	Prepaid balance	PKR 450,000
237.45	7.92	Prepaid balance	PKR 1,250,000
475.01	15.83	Prepaid balance	PKR 2,500,000

PKR 225,000 Policy:

Amount of End User Price paid in calendar month (PKR)	Insurance Cover in the following calendar month
47.5	225,000
45.92	217,500
44.33	210,000
42.75	202,500
41.17	195,000
39.58	187,500
38	180,000
36.42	172,500
34.83	165,000
33.25	157,500
31.67	150,000
30.87	142,500
28.5	135,000
26.92	127,500
25.33	120,000
23.75	112,500
22.17	105,000
20.58	97,500
19	90,000
17.42	82,500
15.83	75,000
14.25	67,500
12.67	60,000
11.08	52,500
9.5	45,000
7.92	37,500
6.33	30,000
4.75	22,500
3.17	15,000
1.58	7,500
0	Nil

PKR 450,000 Policy:

Amount of End User Price paid in calendar month (PKR)	Insurance Cover in the following calendar month
94.99	450,000
91.82	435,000
88.66	420,000
85.49	405,000
82.32	390,000
79.16	375,000
75.99	360,000
72.83	345,000
69.66	330,000
66.49	315,000
63.33	300,000
60.16	285,000
56.99	270,000
53.83	255,000
50.66	240,000
47.5	225,000
44.33	210,000
44.16	195,000
38	180,000
34.83	165,000
31.66	150,000
28.5	135,000
25.33	120,000
22.16	105,000
19	90,000
15.83	75,000
12.67	60,000
9.5	45,000
6.33	30,000
3.17	15,000
0	Nil

PKR 1,250,000 Policy:

Amount of End User Price paid in calendar month (PKR)	Insurance Cover in the following calendar month
237.49	1,250,000
229.57	1,208,333
221.66	1,166,667
213.74	1,125,000
205.82	1,083,333
197.91	1,041,667
189.99	1,000,000
182.06	958,333
174.16	916,667
166.24	875,000
158.33	833,333
150.41	791,667
142.49	750,000
134.58	708,333
126.66	666,667
118.75	625,000
110.83	583,333
102.91	541,667
95	500,000
87.08	458,333
79.16	416,667
71.25	375,000
63.33	333,333
55.41	291,667
47.5	250,000
39.5	208,333
31.67	166,667
23.75	125,000
15.83	83,333
7.92	41,667
0	Nil

PKR 2,500,000 Policy:

Amount of End User Price paid in calendar month (PKR)	Insurance Cover in the following calendar month
475.01	2,500,000
459.18	2,416,667
443.34	2,333,333
427.51	2,250,000
411.68	2,166,667
395.82	2,083,333
380.01	2,000,000
364.17	1,916,667
348.34	1,833,333
332.51	1,750,000
316.67	1,666,667
300.84	1,583,333
285.01	1,500,000
269.17	1,416,667
253.34	1,333,333
237.51	1,250,000
221.67	1,166,667
205.84	1,083,333
190	1,000,000
174.17	916,667
158.34	833,333
142.5	750,000
126.67	666,667
110.84	583,333
95	500,000
79.17	416,667
63.33	333,333
47.5	250,000
31.67	166,667
15.83	83,333
0	Nil

In addition to the Personal Accident Insurance Cover, the insured is entitled to cover for each night spent in the hospital (hospitalization) due to an Accident. For each night spent in hospital, the insured is eligible for the greater of (i) PKR 600 or (ii) 0.25% of the monthly sum insured, according to the Insurance Cover level as described in the Insurance Benefits Section of the Policy Wording above. For example, if the customer is deduced PKR 66+taxes and receives PKR 450,000 of monthly Personal Accident Insurance Cover, and the Insured is hospitalized due to an accident for 2 nights but not permanently disabled, the Insured will receive PKR 2400 of cover. This additional cover is paid out for a maximum of 30 nights in a given year. The Insured cannot claim both Personal Accident Insurance Cover and this additional cover for the same incident. This additional cover is subject to the same terms and conditions as the Personal Accident cover meaning for example that; no cover will be provided if the Insured is not receiving any cover in the present month or if the Insured is ineligible because of the Insured fails to meet the criteria or is in hospital due to an exclusion or in hospital for any other reason other than an Accident.

ACKNOLEDGEMENT

(Policy Terms and Conditions shall remain subject to the following)

MILVIK is the Insurance broker 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 SEHAT Plan by contacting MILVIK. Otherwise, Jazz will continue making monthly deductions.

In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) BIMA SEHAT Plan under the Insurance Policy (including through different Jazz mobile accounts):

The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the BIMA SEHAT Plans that the Subscriber has subscribed to;

Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two BIMA SEHAT Plans that the Subscriber subscribed to;

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 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 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, 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 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

FAQS

When will a postpaid customer get covered for the Hospitalization Insurance?

Postpaid customer will get the cover from 2nd day of the registration.

What will happen if a postpaid customer number remains Inactive during the billing cycle?

If the customer does not become Active in the billing cycle, BIMA will not provide insurance coverage to the customer.

Will the charges for the postpaid customer be deducted upfront meaning after the confirmation or will it be deducted on daily basis?

Customer will be charged on prorate from the day service is subscribed till his bill date and customer will be charged in advance for every month.

How will a customer unsubscribe from this service?

For un- subscription from this service, customer will write “NO”, “Cancel” or “Unsub” in message and send it to 9878 OR customer can call on 042-111-119-878 anytime.

What will happen if a customer subscribes for the service and de-register it before the bill date. i.e., customer bill date is 21st Aug 2020, he is opting the service on 15th Aug and deregister the Service after two days on 17th Aug before the bill date?

Customer will get cover according to prorated charges and cover will be provided accordingly.

If a customer hasn’t paid his bill (considering number is not in suspended state) will he be eligible for the claim next month?

Yes, he will be covered as we have not associated the collection of bills with the cover of customer.

If Jazz customer number is in suspended state will he be eligible for cover next month or will his charges for BIMA be charged for next month?

Yes, customer will be charged and get cover.

If Customer is out of country and on Roaming in other country and he receives call from 042-111-119-878 can BIMA agent activate his service?

Yes, if BIMA agent speaks to the original customer and the customer is willing to opt in.

If customer is out of country and on Roaming will be eligible for claim if yes, then please confirm what will be the deduction criteria?

For postpaid customers as we charge them in bill, so customer will be eligible to get cover even if he is out of country.

GENERAL TERMS & CONDITIONS

These terms and conditions are in addition to the general terms and conditions duly approved by PTA and agreed to by the customer in CSAF/eCSAF at the time of activation of connection/SIM.

Jazz reserves the right/discretion to set/change the price/rate of any offer/package/bundle or withdraw/change/revoke such offer/package/bundle at any time. Where required under PTA’s regulations, prior notice shall be given to affected customers accordingly.

Offer Price/charges of each offer/package/bundle shall be subject to all applicable taxes, if any, irrespective of the fact in which area of the country the requisite offer/package/bundle is activated/service availed.

The charging system reserves certain proportion of available data volume in MBs of your package against opening/accessing of each application/website on the device, therefore, the simultaneous opening/accessing of multiple applications and/or websites may result in reserving all your available data volume in MBs of your package and may start charging on base rate of your package.

The amount of balance and recharge required for bundles may be rounded up to the nearest whole number.

In case of any queries, questions, complaints or additional requirements, please email us at : customercare@jazz.com.pk

Unwanted and unethical (unreasonable) messages can be reported by texting SENDER’s NUMBER (SPACE) message to 9000 –PTA

Using a SIM which is not in your name or allowing others to use your SIM is a crime – PTA

Dial 420 to block unsolicited calls/messages (charges applicable).

Unsolicited marketing communication can be blocked using “Do Not Call Register” service by texting “ON” or “SUB” to 3627. It is a free of cost service provided to Jazz customers.

The term “Purchase of Sim” means procuring/acquiring connection to the network of PMCL by a customer for availing telecommunication and other related services from PMCL. SIM always remains the property of PMCL and by issuing SIM to customer, only rights to use are given and no ownership is transferred to the customer in any manner, whatsoever. The customer is bound to return the SIM to PMCL in case he stops using service or agreement is terminated or he changes the network through MNP.

Bill date for all postpaid subscribers will be changed to 2nd of every month in 2021. Due to this change, customers will get a separate bill for difference in days for execution month . Min/MB charging will be prorated as per package.

Details of applicable Taxes/charges on usage and recharge in Pakistan and AJK are given below:

Advance income tax rate is @15% on each recharge.

Rate of sales tax in Federal Territory of Islamabad is 16%

Rate of sales tax in rest of Pakistan and AJK is 19.5%

GB is exempted from taxes.

A late payment fee of PKR 50 will be charged on bills remaining unpaid after the due date.

BIMA SEHAT (Prepaid)

OVERVIEW

Another beneficial service from BIMA is here! Secure your family’s future by subscribing to the BIMA Sehat product today! BIMA Sehat provides a monthly hospitalization insurance policy with health services, which is paid for by the Subscriber through his monthly postpaid bill.

How to subscribe:

Call 042-111-119-878 or SMS “BIMA Sehat” to 9878 and an agent will call* you to guide and help subscribe to the service *MILVIK agent will call you within 24 working hours There are no charges for sending an SMS to 9878.

CHARGES

Charges and BIMA Cover:

Plan	**Daily Price	**Monthly Price	Maximum sum assured per night (max 30 nights per year)
Silver	Rs.1.43	Rs.42.89	Rs.1,000
Gold	Rs.2.86	Rs.85.79	Rs.2,250
Platinum	Rs.7.15	Rs.214.48	Rs.5,500
Diamond	Rs.14.30	Rs.428.95	Rs.12,000

Prepaid: The monthly price is charged in **installments over 30 days

**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions

**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction.

Postpaid: Service will be launched for postpaid soon.

How do I Claim:

SMS ‘CLAIM’ to 9878 or call 042-111-119-878 no later than 270 days from the first night of hospitalization and a MILVIK representative will contact you with full information on how to process your claim.

TERMS & CONDITIONS

The Insurance is underwritten by IGI General Insurance and delivered by MILVIK.

BIMA is the global leader in mobile micro insurance and it protects the future of 30 million families worldwide. It has operations in 15 markets across Asia, Africa, Latin America, and the Caribbean. BIMA is proud to have paid over $ 8 million in claims.

MILVIK 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 PROVIOSIONS

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 shall include individual pre-paid and post-paid Jazz Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.

(2) All Eligible Applicants shall be natural persons. 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.

(4) If the Applicant wishes to apply for and subscribe to the BIMA Sehat Plan under this Insurance Policy, the Applicant will be required during the registration process to:

acknowledge that the Applicant has read and understood the terms of the Policy and the Jazz Payment Terms;
confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;

iii. confirm the BIMA Sehat Plan that the Applicant wishes to apply for;

authorize Jazz to make 30 daily deductions each month from the prepaid account and
the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

Mistake In Age

The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.

Intentional False Statements Of The Insured

In the event of any concealment or misrepresentation the BIMA Sehat Policy shall become null and void with respect to the relevant Insured.

Notice Of Claims

the Company shall be notified of the hospitalization of the Insured as soon as possible, but not later than 270 (two hundred & seventy) days from the from the first night of hospitalization after which it shall be treated as time‑barred and the Company shall not be bound to pay the Claim.

(2) For each Claim reported, the Company shall obtain:

From the Claimant:

CNIC; final hospital invoice or discharge report which states date of admission and discharge.

Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.

(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3) working days.

(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.

Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

Upon Death of Policy Holder or

Upon cancellation or withdrawal of subscription by Jazz of the contract/relationship with the Insured, whatever the reason may be, or

In case of non-payment of the individual End User Price for the Insurance Policy.

Participation Requirement/Process

Interested customers shall participate through an electronic enrolment process, assisted by a call center agent, or by submitting information electronically via their handset, in two phases:

1st Phase:

Name of the Customer:

Age or CNIC Number:

Name of the Beneficiary:

Relationship to Customer:

Insurance Benefits selected by Customer:

2nd phase:

Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. Alternatively, the Customer may offer his verbal consent over an official recorded channel managed by MILVIK to a MILVIK agent. This confirmation serves as digital signature for the BIMA SEHAT Insurance Cover. After receiving positive response, the customer shall be enrolled under the BIMA SEHAT Policy.

Arbitration

All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration

Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the BIMA SEHAT Policy as defined hereunder.

If an Insured is hospitalized due to any reason(with the exception of exclusions), on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the hospitalization of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their Insurance Cover level as described in this Insurance Benefits Section of the Policy Wording

Benefit:

The amount of benefit received by the Insured or the Beneficiary in the event of the 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:

Only One (1) policy per applicant

A Claim must be intimated to the Company within two hundred & seventy (270) days from the date of first night of hospitalization

Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract

The following actions shall be taken depending on the decision of renewal or non-renewal:

On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the cancellation of the service is nonrefundable.

On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month

The BIMA Sehat service is extended to one (1) person per Jazz subscriber who is a successful Applicant for the BIMA Sehat Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

The Subscriber has the option to choose between four (4) cover levels, at four (4) corresponding End User Price points, as given below. Unlimited M‑health is included for all four (4) cover levels.

Monthly Price	Daily	Method of Payment	Maximum sum assured per night (max 30 nights per year)	M-Health	Specialist Consultations (Gynae, Paeds, Nutritionist & Mental Health)
Rs.42.89	Rs.1.43	Prepaid balance	PKR 1,000	Unlimited	NA
Rs.85.79	Rs.2.86	Prepaid balance	PKR 2,250	Unlimited	NA
Rs.214.48	Rs.7.15	Prepaid balance	PKR 5,500	Unlimited	Yes
Rs.428.95	Rs.14.30	Prepaid balance	PKR 12,000	Unlimited	Yes

PKR 1,000 Per night

Amount of End User Price paid in calendar month (PKR)	Per night cover in the following calendar month
42.89	1,000
41.46	967
40.03	933
38.6	900
37.17	867
35.74	833
34.31	800
32.88	767
31.45	733
30.02	700
28.59	667
27.16	633
25.73	600
24.3	567
22.87	533
21.45	500
20.02	500
18.59	500
17.16	500
15.73	500
14.3	500
12.87	500
11.44	500
10.01	500
8.58	500
7.15	500
5.72	500
4.29	500
2.86	500
1.43	500
0	Nil

PKR 2,250 per night

Amount of End User Price paid in calendar month (PKR)	Per night cover in the following calendar month
85.79	2,250
82.93	2,175
80.07	2,100
77.21	2,025
74.35	1,950
71.49	1,875
68.63	1,800
65.77	1,725
62.91	1,650
60.05	1,575
57.19	1,500
54.33	1,425
51.47	1,350
48.61	1,275
45.75	1,200
42.9	1,125
40.04	1,050
37.18	975
34.32	900
31.46	825
28.6	750
25.74	675
22.88	600
20.02	525
17.16	500
14.3	500
11.44	500
8.58	500
5.72	500
2.86	500
0	Nil

PKR 5,500 per night

Amount of End User Price paid in calendar month (PKR)	Per night cover in the following calendar month
214.48	5,500
207.33	5,316
200.18	5,134
193.03	4,950
185.88	4,766
178.73	4,584
171.58	4,400
164.43	4,216
157.29	4,034
150.14	3,850
142.99	3,666
135.84	3,484
128.69	3,300
121.54	3,116
114.39	2,934
107.24	2,750
100.09	2,566
92.94	2,384
85.79	2,201
78.64	2,018
71.49	1,835
64.34	1,652
57.19	1,469
50.05	1,286
42.9	1,103
35.75	920
28.6	737
21.45	554
14.3	500
7.15	500
0	Nil

PKR 12,000

Amount of End User Price paid in calendar month (PKR)	Per night cover in the following calendar month
428.95	12,000
414.65	11,600
400.35	11,200
386.06	10,800
371.76	10,400
357.46	10,000
343.16	9,600
328.86	9,200
314.56	8,800
300.27	8,400
285.97	8,000
271.67	7,600
257.37	7,200
243.07	6,800
228.77	6,400
214.48	6,000
200.18	5,600
185.88	5,200
171.58	4,800
157.28	4,400
142.98	4,000
128.69	3,600
114.39	3,200
100.09	2,800
85.79	2,400
71.49	2,000
57.19	1,600
42.9	1,200
28.6	800
14.3	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. Health programs include periodic delivery of program-specific content through different communication channels. The health program is only available for the Subscriber.

Tele-Consultation:

Unlimited access to tele-consultations with MILVIK doctors to address acute minor ailments and to receive medical advice on general health topics, however, these may not be used for urgent conditions. The teleconsultations are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.

Specialist Consultation:

Access to specialists (gynecologist, pediatrician, nutritionist and psychologist/psychiatrist) for your health needs in both consultative and health advice related matters. The specialist services are available for the Subscriber and Subscriber’s immediate family members, limited to the Subscriber’s parents, spouse, children and siblings.

DISCLAIMER/ TERMS OF USE of BIMA SEHAT Consultations

TERMS OF USE

THIS DOCUMENT IS AN AGREEMENT BETWEEN YOU AND MILVIK, WHICH CONTAINS THE TERMS AND CONDITIONS YOU AGREE TO WHEN YOU USE THE BIMA SEHAT PRODUCT. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE OUR SERVICES. WE MAY UPDATE THESE TERMS OF USE FROM TIME TO TIME. WE ENCOURAGE YOU TO REVIEW THESE TERMS PERIODICALLY. YOUR CONTINUED USE OF OUR SERVICES (AS DEFINED BELOW) INDICATES YOUR ACCEPTANCE OF THE CHANGED TERMS OF USE.

Any reference to “MILVIK”, “our”, “us”, or “we” are references to MILVIK Mobile Pakistan (Pvt.) Limited, a private company registered in Pakistan (company number 90585), the registered office being 3rd Floor, New Liberty Tower, Model Town Link Road, Model Town, Lahore, Pakistan.

Services Provided:

MILVIK provides real-time medical consultations with licensed physicians (“BIMA Doctors”) through telephone, video, SMS, apps or other means for the purpose of providing advice and/or recommendations on medical and health issues (“Services”). MILVIK may also offer other health-related services provided in partnership with local providers, which may include hospitals, diagnostic laboratories or pharmacies (together with the BIMA Doctors, the “Providers”).

MILVIK facilitates access to Providers who have agreed to provide medical and health advice and services to customers. It does not interfere with the practice of medicine or other licensed profession by BIMA Doctors and MILVIK does not impose any guidelines or protocols that restrict the actions of BIMA Doctors.

Use of MILVIK health Services is NOT FOR EMERGENCIES:

Our Services are NOT for use in potential or actual medical emergencies or if you have a condition that you know will require a physical examination. If this is the case, you should visit your nearest emergency room. You must not delay your visit to the emergency room in anticipation of obtaining medical advice from a BIMA Doctor through MILVIK.

Relationship with your Primary Care Physician:

Your interaction with the BIMA Doctors through our Services is not intended to replace your relationship with your existing primary care physician or other healthcare professional or be your permanent medical access point. You should seek emergency help or follow-up care when recommended by a BIMA Doctor or when otherwise needed and continue to consult with your primary care physician and other health care professionals as necessary. Consult your primary care physician or health care professional as relevant if you have any questions about any symptoms or medical condition, and before starting or stopping any treatment by your physician or health care professional.

Medication Policy:

MILVIK will provide you with access to BIMA Doctors that are appropriately qualified and experienced to practice medicine. Subject to all applicable laws, such BIMA Doctor may recommend a medication as deemed appropriate. BIMA Doctors cannot guarantee the availability, effectiveness, authenticity, reliability, safety, legality or quality of the recommended medicine. MILVIK does not guarantee that a BIMA Doctor will recommend or issue medication, and does not endorse, recommend or make any representation or warranty about the medicines recommended or prescribed by the BIMA Doctor.

You agree that any medication recommended to you from a BIMA Doctor shall be solely for your personal use. You agree to fully and carefully read all product information and labels before use and to contact a physician or pharmacist if you have any questions regarding the medicine. You agree that you are using our Services only for yourself, or on behalf of a child under 18 in your capacity as his/her parent or legal guardian, provided that you supervise the child’s use of the Services at all times. MILVIK may suspend services or terminate customer accounts if we reasonably suspect that such accounts are being used in breach of the restrictions in this section.

Privacy:

When you sign up for the Services, you agree that the Providers will communicate with you, by sending information, messages and notices to you. These messages may be conveyed or sent via email, SMS, notifications, etc, using the contact information associated with your account, which includes the information you provide when you register or update information in your account settings. You also agree that MILVIK may retain your medical records and that such records will be held in compliance with all applicable laws. MILVIK may record calls and other communications with you for quality assurance purposes.

Intellectual Property Rights:

You may communicate materials containing our copyrights, trademarks, trade secrets, patents, or other intellectual property rights (“IPR”) to your physician or health care professional only. You are not permitted to copy, distribute or make any business use of our IPR.

Informed Consent:

Tele-health is the delivery of health care services using interactive audio and/or video technology, where the patient and the BIMA Doctor are not in the same physical location. During your tele-health consultation with a BIMA Doctor details of your medical or health history and personal health information may be discussed through the use of interactive audio, video, and/or other telecommunications technology, and the BIMA Doctor may perform a physical exam through these technologies. Depending on your medical or health history and/or specific complaint, you may be asked to provide information through other electronic means and verify your identity with a national identity card or other legal document.

Limitations of Tele-Health:

There are potentials risks associated with the use of tele-health, including, but not limited to:

In some instances, the information transmitted may be of insufficient quality to allow for appropriate medical or health care decision making by the BIMA Doctor (i.e., poor call quality, poor resolution of images, etc.);
Delays in evaluation or treatment could occur due to failure of the electronic equipment or technical failures outside of our control. We are not responsible to you if this happens, but if it does, we will notify you as soon as we can and take the steps that we reasonably can to minimize the interruption to the Services;
In some instances, a lack of access to your complete medical records and incomplete or inaccurate disclosure by the patient may result in adverse drug reactions or allergic reactions or other judgment errors;
Although the electronic systems we use will incorporate networks and software security protocols to protect the privacy and security of health information, in some instances, security protocols may fail and cause a breach of privacy and/or personal health information.

Complaints and Disputes:

You can always give us feedback on our Services by calling 042-111-119-878 or emailing us at cs@milvikpakistan.com

If you have a complaint about our Services, we would like to resolve it as soon as possible. Please tell us about your complaint as soon as you can so that we can do this. We may ask you for certain details about you and your complaint in order to address it. Please provide these as soon as you can so that we can resolve your complaint quickly. We will tell you the outcome of our investigation into your complaint and give you the chance to discuss it with us. If we find that we have broken any of these terms and you suffer loss or damage, we are responsible for compensating you for that loss or damage if it was a foreseeable result of our breaking of these terms. We are not responsible for compensating you for indirect, incidental, special or consequential damages.

These terms are governed by Pakistani laws and the Pakistani courts shall have exclusive jurisdiction to hear any claim arising out of or in connection with these terms or the use of our products and services.

Acceptance of these terms of use:

By using the Services, you acknowledge that you understand and agree with the following:

While benefits may be expected from the use of tele-health, no results can be guaranteed or assured, my situation may not be addressed or improved, and in some cases, it can get worse;

If you think you have a medical emergency or if you have a condition that you know will require a physical examination, you are responsible for visiting your nearest emergency room;

The Services are not suitable for unsupervised use by persons under 18;

ACKNOWLEDGEMENT

Acknowledgement of the Customer

(Policy Terms and Conditions shall remain subject to the following)

MILVIK is the Insurance broker 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 daily deductions, the Subscriber must deregister the Subscriber’s BIMA SEHAT Plan by contacting MILVIK. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive credit balance.

In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) BIMA SEHAT Plan under the Insurance Policy (including through different Jazz mobile accounts):

The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the BIMA SEHAT Plans that the Subscriber has subscribed to;

Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two BIMA SEHAT Plans that the Subscriber subscribed to;

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

IGI, Jazz, and MILVIK 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.

SMS to the Subscriber’s prepaid mobile service (from which daily 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

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, as BIMA Sehat service charges will be separately deducted from your JAZZ balance.

What documents are required for CLAIM?

CNIC, Final hospital invoice or Discharge report which states date of admission and discharge will be required for CLAIM

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 after the submission of all documents

On which conditions a person is not entitled for CLAIM?

Due to intentional self-inflicted injury, suicide attempt, or arising out of non-adherence to medical advice. Due to an elective treatment, such as cosmetic surgery. Pregnancy and any complication arising from pregnancy will not be covered during the first 12 months of the policy becoming effective.

GENERAL TERMS & CONDISTIONS