TAKAFUL Complimentary Death Benefit: ELIGIBILITY CRITERIA

Takaful is a Shari’ah compliant alternative to insurance. It is a This benefit will pay lump sum amount in case of death of You, your spouse, your children and your parents can be covered
community-pooling system based on the principles of member during hospitalization. under this Plan. Following age limits shall apply:
brotherhood and mutual health wherein, participants contribute • 91 days to 25 years for children
in a fund to help those who need it most in times of financial • 18 Years to 59 Years for others
difficulties. BENEFITS LIMITS (Per Individual Covered)
Takaful Benefits Limits Class of Membership
FAMILY SEHAT
(PKR) Budget Economy Silver Gold Platinum
Our health is subject to multiple risks in today’s fast-paced
lifestyle. To commit to the good health of our family and
Hospital Care Limits 75,000 150,000 300,000 500,000 1,000,000
ourselves, it becomes essential to protect yourself by investing in
a reliable health plan that includes medical outlay, laboratory test Daily Room & Board 1,500 3,000 5,000 7,000 17,000
costs, medication, hospitalization costs, including critical illness.
Healthy lifestyle is the key to a happy life, and one must be Complimentary Benefits:
prepared to tackle health-related problems as and when they OPD Allowance 1,000 1,000 1,500 2,500 5,000
occur.
Pak-Qatar’s FAMILY SEHAT is the solution to all such needs. Death Benefit 50,000 50,000 100,000 100,000 200,000
BENEFITS OFFERED Supplementary Benefits:
Following Takaful Benefits are offered under this Plan;
Hospital Care Benefit Plan A B C D E
Critical Illness Benefit (Optional)
Critical Illness Limits 100,000 200,000 300,000 400,000 500,000
Complimentary Benefits
COST (per Individual Covered)
COVERAGE UNDER HOSPITAL CARE BENEFIT
Medical expenses related to the following are covered under Class of Membership
Hospital Care Benefit: Age Bracket
Budget Economy Silver Gold Platinum
Hospitalization or In-patient Treatment
Accidental Emergency Treatment Hospital Care Benefits (**Discount available)
Day Care Procedures (e.g. Endoscopy, Dialysis, Cataract
Surgery, etc.) 91 days - 45 7,800 9,400 12,900 19,300 38,100
Specialized Investigative Procedures (e.g. Angiography, MRI,
46 - 55 11,500 14,000 19,400 29,400 58,500
CT Scan, etc.)
CRITICAL ILLNESS BENEFITS 56-59 13,400 16,400 22,900 34,700 69,200
This is an optional benefit covered with additional charges. It Critical Illness Benefits (Optional):
includes lump sum payment on diagnosis of one of the illnesses
or undergoing one of the procedures. Payment under this benefit Plan A B C D E
is in addition to the payments under Hospital Care Benefit.
18 - 35 200 400 600 750 950
COMPLIMENTARY BENEFITS
Following benefits are being offered by the Company with no 36 - 45 500 950 1,400 1,850 2,350
additional charges:
46 - 50 1,050 2,050 3,050 4,050 5,100
Complimentary OPD Allowance:
This benefit covers costs incurred with respect to day-to-day 51 - 55 1,750 3,500 5,250 6,950 8,700
healthcare expenses. Everything from general consultations from
a practitioner to specialist outpatient treatment would be 56 - 59 2,750 5,450 8,200 10,900 13,650
included here. **15% discount for couples and 25% discount for families (including children).
SALIENT FEATURES OF FAMILY SEHAT MAJOR EXCLUSIONS:
PANEL HOSPITALS Expenses related to routine check-up, OPD, vaccinations,
Pak-Qatar Family Takaful has a network of over 200 hospitals corrective/cosmetic surgeries, external implants, dental
nationwide. Namely: treatment, experimental treatments, infertility, sterilization, HIV
or other STDs, self-inflicted injuries, congenital illnesses, Family
Sehat
• Aga Khan University Hospital (AKUH)
psychiatric disorders, injuries as a result of participation in
• Tabba Heart Institute
dangerous sports and criminal acts, elective overseas treatments,
• Shifa International Hospital
cost of hospital negligence, non-medical hospital expenses etc.
• Dr Ziauddin Hospital
will not be covered.
• Ittefaq Hospital
• Liaquat National Hospital NOTE:
• Orthopedic and Medical Institute (OMI) •This product is underwritten by Pak-Qatar Family Takaful
• Shaukat Khanum Memorial Trust Limited.
• Rehman Medical Institute (RMI) •Information provided in this brochure is for illustrative purposes
• Bahria Town Hospital only. Actual terms and conditions of the Plan are given in policy
document.
24/7 WORLDWIDE COVERAGE
•Complimentary Benefits are available if Plan is purchased on
The plan also provides coverage outside Pakistan in case of
or before December 31, 2018.
accident or acute medical emergency. Any expense incurred for
such treatments will be reimbursed in Pakistani Rupees subject to
terms and conditions of the policy document.
HOSPITAL/DOCTOR OF YOUR CHOICE
Under Individual Family Sehat, you have the privilege to avail the
facility for treatment at a particular hospital/doctor that is not on
our panel.
CREDIT FACILITY
Pak-Qatar’s Health Card provides you credit facility at 200+ Identification Card
Family Sehat (Individual) Identification Card
panel hospitals nationwide. You can avail exclusive discounts on This card is valid for Casualty Services due to Accidental Emergency
Prior Approval Required for Plan Treatment
Family Sehat (Individual)
This card is valid for Casualty Services due to Accidental Emergency

lab tests and consultation in 350+ medical centres nationwide by

Prior Approval Required for Plan Treatment
Participant’s Name: Muhammad Ali Family Member Age Relation
CNIC No: 4230110724325 Shujia Naz 60 Wife
Participant’s
Shazia Naz Name: 40 Muhammad
DaughterAli Family Member Age Relation

showing Pak-Qatar’s Health Card.

DOB: 05-May-77 Shujia Naz 60 Wife
CNIC No: 4230110724325
Membership No: 03000032B-54 Shazia Naz 40 Daughter
DOB: 05-May-77
Membership No: 03000032B-54

PRE-EXISTING CONDITIONS COVERAGE Room Limit: 17000

Valid up to: 31-Dec-18

Pre-Existing Condition (PEC) means any injury, disease, illness,

Room Limit: 17000
Valid up to: 31-Dec-18

condition or symptom for which treatment, or medication, or

advice, or diagnosis has been sought or received (even if no
treatment is provided) or was foreseeable prior to the
Membership Commencement Date.
Pre-Existing Conditions are covered under Hospital Care Benefit
111-TAKAFUL (825-238) | www.pakqatar.com.pk
Address: Head Office, 1st Floor Business
Family Sehat
starting from 91st day and up to limits specified in the table. Arcade, P.E.C.H.S., Block-6, Shahrah-e-Faisal,
Year Lower Of Karachi. Pakistan

Version: October 2018

1 20% of covered expenses 20% of Hospital Care Limit
/PakQatarTakafulOfficial
2 40% of covered expenses 40% of Hospital Care Limit
3 60% of covered expenses 60% of Hospital Care Limit /in/pak-qatar-takaful-8a468863/
4 80% of covered expenses 80% of Hospital Care Limit /PQTOfficial
www.pakqatar.com.pk
5+ 100% of covered expenses 100% of Hospital Care Limit /UCjHPa9VBT3IAbEw83v5IYkg Together for the Future 111-TAKAFUL (825-238)