FAMILY HEALTH SECURE |  We Promise Quality Health Care at an Affordable Price

United Insurance is proud to launch yet another insurance service for the Individuals & families by the name of ‘Family Health Secure’. This is an Individual / Family Health Insurance product which is specially being designed to cater for families who do not have any medical support in times of disease and accident.

The salient feature of this product is the price factor which is kept in a range, affordable to every class of individual.

Why is health Insurance Important ?

Health insurance has become a necessity today and it plays a major role in healthcare. This is because an unfortunate event of (Disease) Illness or Accident (Injury) may strike at anytime and in such cases medical expenses can become unaffordable. Health insurance can prove to be a source of support by taking care of the financial burden that a family may have to go through.

Health insurance takes care of you in such circumstances. It will help you tackle such situations with ease by providing you & your families with timely and adequate medical care. The financial burden of huge medical bills is taken care of by the health insurance you have purchased.

Family Health Secure – Gives you Choice, Convenience and Care UIC Family Health Secure policy offers health insurance plans that are designed for Individuals who wish to provide financial protection to themselves and their dependent family members against medical expenses arising due to sickness and accidents. With UIC you can have peace of mind that your most valuable asset Health is taken care of. This Package covers treatment through its panel of hospitals, where you and your family will receive appropriate treatment in case of an unfortunate ailment or accident without paying anything to the hospital. (Cashless Facility)

Some of the salient benefits of the product include:

Room Entitlement & Annual Limits:
You have the choice to select aforementioned room rents along with corresponding Annual Limits.

In-patient Hospitalization:
The policy pays for in-patient hospitalization expense such as:
– In-Hospital Consultations
– Surgical Fees
– Anesthetist’s Fee
– Operation Theater Charges
– Prescribed Medicines Used During Hospitalization
– Diagnostic Investigations Blood and Oxygen Supplies Ventilators and Allied Services
– Kidney Dialysis/Chemotherapy & Radio therapy for Cancer Treatment.

Day Care Treatment:
Besides in-patient hospitalization the Plans also covers Day Care Procedures.
Day care treatments are medical or surgical procedures for which the person is admitted to a hospital bed but does not require an overnight stay.

Specialized Investigations:
The Policy also pays for five expensive diagnostics tests MRI, CT Scan, Thallium Scan, Mammography and Angiographies to facilitate diagnosis with no condition of hospitalization.

Pre-Post Hospitalization:
Pre & Post hospitalization outpatient treatment is also covered for the following expenses, which is directly related to the cause of hospitalization, each for 30 days before and after the hospitalization, giving you a complete peace of mind.
– Consultants fee in the follow-up visits.
– Cost of medicine & supplies.
– Cost of Lab tests.

Ambulance Services:
Expenses for ambulance services for transportation of insured patient to and from hospitals during medical emergencies.

Accidental Out-patient Expense:
Expenses for emergency treatment of an accident, within and up-to 48 hours of the accident.

Family Health Secure offers choice and convenience according to your affordability and budget. We offer three plans, Rose, Tulip & Jasmine which primarily covers in patients Hospitalization Expenses.

Coverage/PlansRose
Rs.
Tulip
Rs.
Jasmine
Rs.
Limit Per Annum Per Insured
Including Room & Board, Hospital,
Surgical & Miscellaneous Expense.
250,000175,000100,000
Room Entitlement 9,6003,5002,500
ICU Room & Board -Maximum
Number of days per Hospitalization
ActualActualActual
Pre & Post Hospitalization
Expense Benet.
30Days
30Days30Days
Ambulance Service for transportation to or between hospital. 15,000 15,000 15,000
Accidental Out-patient Expense Benet.
Emergency Treatment within & up-to 48 hours of the accident.
15,00015,00015,000
Rates for single individual insured are as under:

Age BracketRose
Rs.
Tulip
Rs.
Jasmine
Rs.
03 months to 17 years4,384 3,139 2,205
18-29 years6,132 3,833 2,596
30-34 years6,948
4,1343,688
35-39 years7,466
4,596 3,879
40-44 years9,1805,821 4,302
45-49 years9,802 6,499 6,053
50-54 years
12,0298,0016,969
55-59 years
14,550
9,824 8,341
60-64 years19,358 11,760 9,520
Note:
– The above rates are inclusive of Govt. Taxes
–  A policy issuance fee of Rs.500/-will be charged separately.
– The above rates are subject to periodic revision without prior notice.

Some of the main exclusions are:

  • Treatment of pre-existing conditions and any disease, illness, medical condition or *injury, and any complication of a pre-existing condition.
  • Charges for treatment of congenital disorders / birth defects Treatment arising from or traceable to pregnancy, childbirth, including caesarean, Treatment of psychiatric, mental or nervous disorder, Cosmetic and aesthetic treatments.
  • Use of intoxicating drugs and alcohol & any other form of drug dependence.
  • Any increase in expenses due to insured being admitted in more expensive room than that allowed by the maximum room and board limit or better facility than the type of Room Entitlement given in the policy.

Note: For complete list of exclusions details of coverage, terms and conditions, please refer to our policy document.

24 Hours Medical Hotline:
You have round the clock access to our staff doctors for help during medical emergencies.

Customer Service:
In case you need any clarification or facilitation regarding your policy, our dedicated customer relations staff will be pleased to assist you.

Health Card:
Your will receive a Health Card with your Policy that will contain important information about your Policy. The Health Card will identify you as UIC Insured at our Network Hospitals and entitles you the Credit Facility.

Who can apply?

If you are between age of 18 to 64 years and a resident of Pakistan, you can apply for the insurance cover for yourself and your spouse and all dependent children between the ages of 03 month sup-to 25 years for dependent Son, no age limit for unmarried/dependent daughter.

You need to fill our application for man 3d disclose health history of all the persons who are applying for cover.

You can cover yourself and your family through different options as under:

  • Self only.
  • Self, spouse (wife/husband) without any children.
  • Self and all dependent children.
  • Self, spouse (wife/husband) with out any children.
  • Self and all dependent children.
  • Self and dependent parents.

(Coverage of adult dependent children (18 years & above) is subject to Signing declaration for above).

When will your coverage commence?

Your insurance cover will start from the date UIC accepts the cover in writing, based on your application form and the premium payment.

Is there any Pre-acceptance medical check-up required?

Yes! But only for persons who are over 40 years may require a pre-acceptance medical tests/checkups. However, the company reserves the right to request any proposed insured Irrespective of age for pre-acceptance Medical Examinations/Checkups.

Is Pre-existing condition covered?

Treatment of Pre-existing conditions and any disease, illness, medical condition or injury, and any complication of a pre-existing condition are not covered under the policy. (Any Disease/Injury prior to acceptance & issuance of this policy will be considered as “Pre-Existing”).

What would be the mode of premium payment?

Premium will be paid in advance for one year. The premium should be paid through cross cheque, pay order or bank draft. (No Cash will be accepted as Premium Payment to the company).

Is any payment required for treatment?

No Family Health secure provides CREDIT Facility at around more than 100 Best Hospitals in Pakistan. You do not have to pay for hospitalization as UIC will settle your bills directly to its Network Panel Hospitals.

Is there any No Claim Bonus?

Yes if there are no claims for any of the family members insured for first 02 consecutive policy years, the amount of annual limit will be enhanced by 15%.

Buy Online

You to pay through multiple payment options, you can pay through:

– Any Visa/Master credit card
– Easypaisa mobile account
– Easypaisa shop

Renewal

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Still looking for assistance? You can contact us on our Toll Free Number 080084275