ASKFAMILY, A NEW PRODUCT FROM AGICO

PLAN BASIC STANDARD EXECUTIVE VALUE PREMIUM SPECIAL GOLD SCP 60-64
MAL
HOSPITALIZATION 100000 150000 200000 300000 350000 400000 500000 250000
LIMIT PER FAMILY
ANNUAL
MATERNITY 0 25000 25000 30000 35000 40000 50000 0
SUBLIMIT ANNUAL
OPD PER FAMILY 0 0 0 10000 15000 20000 22000 25000
ANNUAL, ON SUBLIMIT
REIMBURSEMENT
BASIS AT PANEL
ONLY
ROOM LIMIT PER 2000 2200 2500 3000 3500 3800 4500 4800
DAY
CRITICAL ILLNESS - - - 350000 500000 700000 1250,000 350000
FOR HEAD OF
FAMILY
PERSONAL 100000 150000 200000 300000 300000 300000 300000 100000
ACCIDENT FOR
PRIMARY
INSURED/ HEAD OF
FAMILY
ANNUAL PREMIUM 7000 9000 12000 36000 48000 60000 75000 45000
Without critical 7000 9000 12000 26000 36000 45000 60000 36000
illness cover

 FOR AGES 56-59: ONLY GOLD PLAN ON MAL BASIS WILL APPLY.
 MAT LIMIT WILL BE ZERO.
 BASIC, STANDARD AND EXECUTIVE PLANS ARE INTENDED FOR GOVT/ SEMIGOVERNMENT EMPLOYEES.
TERMS AND CONDITIONS:

 THE POLICY WILL BE CANCELLED IMMEDIATELY IN CASE OF DELIBERATE CONCEALMENT OF FACTS TO AVAIL
BENEFITS FROM COMPANY.
 THE INSURED MAY CANCEL THE POLICY WITHIN 30 DAYS OF ISSUANCE DUE TO A VALID REASON. HOWEVER, THE
REFUND WILL BE MADE ON PRORATED BASIS AFTER DEDUCTION OF 20% ADMIN CHARGES.
 THE COMPANY RESERVES THE RIGHT TO ACCEPT OR REJECT ANY REQUEST FOR COVERAGE WITHOUT ASSIGNING A
REASON.
 COVERAGE WILL BE VALID FOR 365 DAYS FROM DATE OF PAYMENT.

ELIGIBILITY:-

1- PAKISTANI CITIZENS UP TO AGE 55 ON NEXT BIRTHDAY.

2- SINGLE PARENT ALSO COVERED.
3- FAMILY MEANS LEGAL SPOUSE AND 2 CHILDREN INCLUDING LEGALLY ADOPTED CHILDREN RESIDING WITH
PARENTS IN PAKISTAN.
4- THERE IS NO RESTRICTION ON ADDITIONAL FAMILY MEMEBERS COVERAGE AT INCEPTION. THE PREMIUM WILL BE
COMMUNICATED ON CASE TO CASE BASIS.
5- UNMARRIED PERSONS CAN ALSO ENROL SINGLY FOR BASIC PLANS. MATERNITY BENEFIT WILL NOT BE AVAILABLE
IN SUCH CASES.
6- SENIOR CITIZEN PLAN IS FOR AGE 61-64 INDIVIDUALS ONLY. IN CASE OF SPOUSE ALSO IN THIS AGE RANGE, SPOUSE
PREMIUM WILL BE SEPARATELY CHARGED.
7- ALL AGES MENTIONED ARE ON NEXT BIRTHDAY BASIS.

HOSPITALIZATION:

1- ANNUAL LIMIT AVAILABLE FOR NON-MATERNITY AND NON-CRITICAL ILLNESS RELATED HOSPITALIZATIONS AT
ASKARI PANEL HOSPITALS ONLY.
2- ADMISSIONS FOR WORKUP AND DIAGNOSIS ARE NOT COVERED.
3- ADMISSIONS AT NON-PANEL EXCEPT ACCIDENTS AND SERIOUS EMERGENCIES OR WHERE PANEL IS NOT PRESENT,
ARE NOT ALLOWED.
4- ALL POLICY EXCLUSIONS WILL BE COMMUNICATED AT THE TIME OF ISSUANCE OF POLICY.

MATERNITY:

1- THIS BENEFIT WILL APPLY TO MATERNITIES CONCEIVED DURING COVERAGE ONLY.

2- ANY PREEXISTING PREGNANCIES AT THE TIME OF COVERAGE WILL NOT BE COVERED OR CHARGED EXTRA
PREMIUM AT THE TIME OF DECLARATION. ANY UNDECLARED PREGNANCIES WILL NOT BE COVERED.
3- ONLY ONE PREGNANCY BENEFIT IS AVAILABLE DURING COVERAGE YEAR.
4- THE BENEFIT WILL TERMINATE ONCE UTILIZED FOR DELIVERY.
5- EXCESS AMOUNT IF ANY WILL BE PAID BY THE PATIENT HERSELF.
6- NON PANEL CLAIMS FOR MATERNITY WILL ONLY BE ACCEPTED IN CASE OF EMERGENCIES AND WHERE HANDLED
BY QUALIFIED DOCTORS.
7- DELIVERIES BY LHV, DAI OR ANY UNQUALIFIED PERSON ARE NOT COVERED FOR REIMBURSEMENT.
8- C-SECTIONS BY GENERAL PRACTITIONERS AT CLINICS ARE ALSO NOT COVERED FOR REIMBURSEMENTS.
9- CHARGES FOR EPIDURAL/ PAINLESS DELIVERIES WILL HAVE TO BE PAID BY PATIENT.
10- ANY ROOM RENT DIFFERENCE WILL ALSO BE PAID BY PATIENT.
OPD:

1- AVAILABLE ON REIMBUREMENT BASIS ONLY.

2- OPD CHARGES AT PANEL ONLY WILL BE REIMBURSED.
3- ALL OPD EXCLUSIONS AS MENTIONED IN POLICY DOCUMENT WILL APPLY.
4- MULTIVITAMINS/ SUPPLEMENTS AND NONMEDICATED ITEMS WILL NOT BE COVERED.
5- DETAILED OPD TERMS WILL BE PROVIDED AT INCEPTION.

CRITICAL ILLNESS:

1- COVER IS VALID FOR HOSPITALIZATION FOR A LISTED CRITICAL ILLNESS AT PANEL ONLY.
2- PREEXISTING DECLARED/ UNDECLARED CRITICAL ILLNESS WILL NOT BE COVERED.
3- UNUTILIZED LIMIT IS TRANSFERABLE FOR RENEWAL YEAR BUT NOT REIMBURSABLE.
4- THE COVERAGE IS LIMITED TO THE LIST OF CRITICAL DISEASES PROVIDED WITH THE POLICY.
5- A DECLARATION BY THE INSURED WILL BE SUBMITTED TO THE EFFECT THAT HE/SHE IS NOT SUFFERING FROM ANY
CRITICAL ILLNESS OR HAS SUFFERED IN THE PAST ONE YEAR.

ASKCARE (critical illnesses)

FOR THE FIRST TIME IN PAKISTAN, CRITICAL ILLNESSES PROTECTION PLANS FOR THE FAMILY

ASKARI GENERAL INSURANCE COMPANY PROUDLY ANNOUNCES ASKCARE

OFFERING UNIQUE FAMILY COVERAGE PLANS FOR INSURANCE AGAINST THE FOLLOWING CRITICAL
ILLNESSES;

1. HEART ATTACK, HEART BYPASS AND STENT OPERATIONS,

2. CHRONIC KIDNEY FAILURE REQUIRING DIALYSIS,
3. MAJOR BURNS,
4. CVA/ STROKE,
5. ALL MALIGNANT CANCERS,
6. VITAL ORGAN TRANSPLANT SURGERIES AND
7. POST TRANSFUSION AIDS/HIV INFECTIONS.

PERSONAL ACCIDENT COVERAGE

1- AVAILABLE TO HEAD OF FAMILY ONLY IN THE EVENT OF ACCIDENTAL DEATH OR PARTIAL DISABILITY AS SPECIFIED
IN THE TERMS PROVIDED.

POLICY PAYMENT MODE: UPFRONT IN FULL

OTHER BENEFITS:

 SPECIAL RATES ON ALL ASKARI INSURANCE PRODUCTS E.G MOTOR INSURANCE, FIRE INSURANCE. PRODUCT

 DETAILS AVAILABLE ON WEBSITE: www.agico.com.pk

UAN 24/7: 111-444-687

ONLINE ACCESS TO WEB PORTAL