Frequently Asked Questions (FAQ's)

  WHY HEALTH INSURANCE?

Health care costs are rising everyday. If you or one of your family members falls sick it will not only lead to mental distress for the whole family but could also adversely affect your finances for a long time to come. The implications become even more severe if the illness results in prolonged hospitalization.

The average costs on some of the common treatments are:

HOW CAN I PROVIDE FINANCIAL PROTECTION?

Allianz EFU Health Insurance Limited is pleased to present the HEALTH LINE to provide access to quality healthcare to you and your family and that too on cashless basis.

HEALTH LINE is a simple, valuable and affordable health insurance product. It provides financial protection, up to the selected benefit limit, in case an unfortunate illness or accident leads to hospitalization.

WHAT DOES HEALTH LINE OFFER?

Some of the salient benefits of the product include:

      Room Entitlement & Annual Limits

You have the choice to select between General, Semi Private or Private Rooms, along with corresponding Annual Limits of PKR100,000, PKR200,000 & PKR350,000 respectively.

      In-patient Hospitalization

The Policy pays for in-patient hospitalization expenses such as:

        Room as per Entitlement

        General Nursing services, etc.

        ICU/CCU charges

        Physician/Specialist/Surgeon Fee

        Operation /Anesthetist Charges

        Medicines and Lab Tests

        Oxygen & Blood Supplies

      Day Care Treatment

Besides in-patient hospitalization, the Plan 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, such as Angiography, Endoscopyies etc.

      Specialized Investigations

The Policy also pays for Three (03) important and expensive out-patient tests even if no hospitalization follows. These tests are MRI, CT scan and Thallium scan. 

        Pre Hospitalization Benefit

Out-patient expense (Medicine, Consultation & Diagnostic Tests) are also covered if they lead to a covered in-patient hospitalization within 30 days.

       Post Hospitalization Benefit

Out-patient expense (Medicine, Consultation & Diagnostic Tests) are also covered for up to  30 days following a covered in-patient hospitalization.

         Miscellaneous Expenses

Besides the above, some of the other benefits of the Plan include:

        Local Ambulance Cover

        Emergency Evacuation Cover

        Emergency Accidental Out-patient (within 48 hours)

        Emergency Dental Treatment (for Pain Relief)

        Emergency International Coverage

HOW DO I BUY HEALTH LINE?

If you are a healthy adult Pakistani of up to 60 years of age all you have to do is just fill-in a simple application form and deposit the appropriate premium. No medical examination is required.

CAN I COVER MY FAMILY MEMBERS?

You can include your children (above 90days old), spouse & parents (up to age 60) in your policy. Each family member is entitled to an independent coverage at the same benefit level as the main applicant.  You can also avail the Family Discount in this case.

Once enrolled, the coverage can be continued up to the age of 65years.

DO I PAY FOR TREATMENT COST?

No! HEALTHLINE provides you CREDIT Facility at around 100 best Hospitals in Pakistan. You don’t have to pay for hospitalization as Allianz EFU will settle your bills directly to its Network Partners.

WHAT ARE THE ADVANTAGES OF A NETWORK HOSPITAL?

In case you need to be hospitalized, you can select any of the Network Hospitals to obtain quality medical care without having to pay out of your pocket. 

You can avail the credit facility arranged by Allianz EFU through a simple Pre-authorization procedure and Allianz EFU will settle your bills directly to the hospital, as per you entitlement. This relieves you from the financial distress and you can concentrate on the recovery process.

CAN I BE TREATED AT NON-NETWORK HOSPITAL?

Yes! But, the treatment expenses will have to be initially borne by you. Allianz EFU will reimburse these expenses on submission of the bills, subject to the reasonable & customary charges that would have been incurred at a comparable Network Hospital for similar treatment. For this reason and also because Network Hospitals have been vetted for the delivery of quality care, we strongly recommend the use of a Network Hospital.

ARE PRE-EXISTING CONDITIONS COVERED?

Pre-existing Medical Conditions mean any sickness disease or bodily injury or any symptom linked to such sickness, disease or bodily injury for which medical advice or treatment has been sought in the past.  This includes such conditions which you or your dependant(s) know about even if no medical advice or treatment or diagnosis was sought or made before the Effective Date of this insurance

Usually, Pre-existing conditions are not covered under these types of insurance products.  However, HEALTH LINE will provide coverage for treatment related to Pre-existing Medical Conditions after four (04) policy years.  This is one of the unique advantages of this product.

OTHER ASPECTS OF THE PRODUCT

         24-Hour 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.

        Integrated HealthCare

Allianz EFU offers you more than just financial protection. In the unfortunate event of hospitalization, our Integrated HealthCare concept ensures that you get the most appropriate treatment from the right doctor according to International Medical Guidelines.

         Health Card

You will receive a Health Card with your policy that will contain important information about your policy. The Health Card will identify you as Allianz EFU insured at our Network Hospitals and entitle you to the Credit Facility.

         International Coverage

Subject to the availability of the Basic Annual Limit, the Policy also pays for expenses incurred on Treatment outside Pakistan, subject to certain terms and conditions.

         No Claim Bonus

In case there is NO Claim on any of the family members insured under the Policy for a period of two (02) consecutive Policy Years, the Basic Annual Limit will be enhanced by 10% with effect from the following Policy Year, free of charge. This increase in cover of your family’s health protection will help to keep pace with medical inflation and provide you  peace of mind.

            Premium Rates

The policy is available at very affordable rates. Please contact us for any product related query or a personalized policy.

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