HEALTH & ACCIDENTAL

STATE LIFE

Health and Accident Insurance

Principal/Regional/Zonal Offices

Principal Office: Zonal Office Multan:

Health & Accident Insurance ZA Tower, Chowk Nawan Shaher,
Division State Life Insurance Multan.
Corporation of Pakistan Principal 061-9201116
Office State Life Building No. 9,
6th Floor, Dr. Ziauddin Ahmed Zonal Office Faisalabad: Cancer
General Exclusions:
Road, Karachi-75530
Direct Line: 021-99204941
State Life Building, 11th Floor,
Liaquat Road, Faisalabad. Protection
- The use of intoxicating liquor or drugs, other than
Toll Free 0800-09099
Phone: 0800-09009,
Phone: 041-9200117
(SACP)
Plan for
drugs taken in accordance with the treatment 0800-89898, 0800-07007 Zonal Office Peshawar:
prescribed and directed by a qualified medical
Email: info@statehealth.com.pk State Life Building, 34 The Mall,
practitioner but not for the treatment of drug

Women
addiction. www.statehealth.com.pk Peshawar.
www.statelife.com.pk Phone: 091-9213958
Underwriting Requirements: www.digital.statelife.com.pk
Zonal Office Swat:
This product has a simplified medical underwriting
based on two questions only. The declaration questionnaire Regional Office Islamabad: State Life Office, College Colony,
is as follows: State Life Building No. 9, Buland Near National Bank, Saidu Sharif,
I confirm that I declare the below accurately to the Markaz, Blue Area, Islamabad Swat.
best of my knowledge and belief
Phone: 051-9216741 Phone: 0946-714042
I declare that:
a. I am currently not investigated for and
b. I have never been diagnosed with any form of Regional Office Lahore:
malignant tumor, cancer, leukemia, lymphoma or State Life Building, 15-A Davis
any other form of malignant condition.
Road, Lahore.
Phone: 042-99200234

www.statelife.com.pk www.digital.statelife.com.pk www.statehealth.com.pk

statelifeofficial StateLifeInsur4

OBJECTIVE:
This product intends to provide financial protection to
women against the diagnosis of cancer at a very
affordable cost.
Scope of Cover
The following cancers are covered under this product:
- Leukemia, malignant lymphoma including
cutaneous lymphoma, hodgkin’s disease,
malignant bone marrow disorders and sarcoma.
Benefit Structure:
100% of Sum Assured is payable on diagnosis of the
cancer verified by provision of the histopathological
report.
Coverage Period:
Policy will be issued for a period of one year which may
be renewed at the end of the policy year. Premium rates
subject to review by State Life each year.
Who Can Be Covered?
All Pakistani females aged 18-64 will be eligible for this
product.
Initial Waiting Period:
In the first policy year, coverage would commence after 90
days from the day a complete application is received by
State Life along with the Full Premium. In case the policy is
renewed in continuation of the coverage with State Life,
the waiting period will be waived from the next year.
Benefit Level:
An individual female can choose from any of the  Some definitions expand the requirement for
following plans according to her needs: histology to include 'confirmation by
histological evidence of malignancy by a
Plan Name Benefit Amount (Rs.) qualified oncologist or pathologist'; this is
acceptable but not necessary as histology
SACP-1 200,000/-
reports are prepared by specialists. Rarely a
SACP-2 300,000/- diagnosis of cancer is made on clinical
SACP-3 500,000/- grounds or histology is equivocal. In most of
SACP-4 1,000,000/- these circumstances, the absence of
SACP-5 1,500,000/- histological proof disqualifies a claim;
admission of the claim requires careful
consideration by a CMO with discussion with
Definitions: an oncologist if required.
Cancer  In a primary tumor in the absence of vascular
invasion, (stromal) invasion applies to
carcinomas but not to sarcomas or cancers of
The diagnosis of a malignant tumor characterized by
the uncontrolled growth and spread of malignant cells
the blood or lymphatic systems. This is why
these tumors are explicitly mentioned.
with invasion of normal tissue.
The diagnosis of cancer must be verified by provision of
the histopathological report. Exclusions
Cancer includes: leukaemia, malignant lymphoma
including cutaneous lymphoma, Hodgkin's disease, "Carcinoma in situ" or "cancer in situ" or dysplasia or
malignant bone marrow disorders, and sarcoma. pre-malignant conditions or non-invasive cancers.
The following are excluded:
These conditions are risk markers for invasive cancer
 "Carcinoma in situ" or "cancer in situ", dysplasia,
but are not life-threatening or causes of significant
and all pre-malignant conditions.
morbidity except diffuse ('flat') non-papillary urinary
bladder carcinoma in situ (Tis). Binet stage A Chronic
 Prostate cancer unless having progressed to at
Lymphatic Leukemia.
least TNM classification T2bN0M0
 Any primary skin cancer other than malignant
melanoma that has invaded beyond the
epidermis (outer layer of skin)
 Papillary cancer of the thyroid gland that is organ
confined
 All tumors and cancers in the presence of HIV
infection.
Condition
 The first occurrence of cancer diagnosed by
observing uncontrolled growth of and
invasion of normal tissues by malignant cells in
a histological specimen taken from the
primary or secondary tumor. This is the
definitive criteria, although not all cancers are
covered; see 'Exclusions'.