Self Health Insurance
HEALTH IS WEALTH. This old saying has never been as true as its today. In this age of sky rocketing medical cost, poor health weather cost by natural causes or by accident not only results in physical misery but also immense financial burden. Loss of health spells loss of wealth.
Unfortunately, illnesses and accidents are apart of life. No matter how many preventative you take, you are still exposed to a certain level of risk at all times. Health insurance appears to be the logical solution. But these plans, in general are available to groups.
UIC brings you all the benefits of self-health insurance in a plan designed specifically for individuals.
Unfortunately, illnesses and accidents are apart of life. No matter how many preventative you take, you are still exposed to a certain level of risk at all times. Health insurance appears to be the logical solution. But these plans, in general are available to groups.
UIC brings you all the benefits of self-health insurance in a plan designed specifically for individuals.
What we are Giving
2097
Total No. of Policies
396 Million+
Premium
674 Million+
Total Claims
| Segment | Gold | Platinum |
|---|---|---|
| Accident Protection | 500,000 | 1,000,000 |
| Medical Expenses (Accident) | 25,000 Excess 500 | 50,000 Excess 1,000 |
| Inpatient Surgical Expenses (Illness) | 25,000 Excess 1,000 | 50,000 Excess 1,000 |
| Burial & Repatriation | 50,000 | 100,000 |
Along with Cash coverage, UIC also offers built-in Shop Secure Plan Plus Accident Protection for the Proposer or ONE person related to shop operations nominated by the Proposer. In case of death or permanent disability, arising out of an accident on shop premises, UIC will pay the insured or beneficiary Rs. 100,000/- (In case of death, other benefits below):
| Age Group | Gold | Platinum |
|---|---|---|
| Upto 30 years | Rs. 1,300 | Rs. 2 ,000 |
| 31 to 35 years | Rs. 1,450 | Rs. 2 ,250 |
| 36 to 40 years | Rs. 1,600 | Rs. 2 ,400 |
| 41 to 45 years | Rs. 1,700 | Rs. 2 ,600 |
| 46 to 49 years | Rs. 1,800 | Rs. 2 ,750 |
- SEGMENT 1: Provides financial protection against death, permanent total and permanent partial disability caused by and occurring within 12 months of an accident.
- SEGMENT 2: Provides for medical expenses arising out of an accident any where in the world.
- SEGMENT 3: Provides for medical expenses of surgical operations due to illness. The procedure must involve an overnight stay at a registered hospital or clinic in Pakistan. This segment excludes any expenses in respect of health conditions existing at inception of cover.
- SEGMENT 4: Provides or repatriation and burial expenses following death due to natural causes anywhere in the world. This Segment excludes death due to health conditions existing at inception of cover.
- The maximum age for new cover SSP-49 years. However in case of existing covers age starting at least 3 years before the 50th birthday the cover may continue till 55 years.
What’s Covered
Accident and Medical Protection
Self-Secure Plan Plus provides distinct protection segments with benefits based on your selected plan:
Accidental Death or Permanent Disability: Aggregate benefits covering unfortunate accidents leading to death or permanent disability.
Accidental Death or Permanent Disability: Aggregate benefits covering unfortunate accidents leading to death or permanent disability.
Surgical and Repatriation Protection
Additional benefits under the Self-Secure Plan Plus:
Inpatient Surgical Expenses (Illness Only): Covers surgical expenses when hospitalization is required due to illness (excludes pre-existing conditions).
Burial and Repatriation: Provides coverage for burial and repatriation expenses in case of death from natural causes.
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Frequently Asked Questions
What is self-health insurance?
Self-health insurance is an individual health plan that provides financial protection against medical expenses, accidents, and surgical procedures. It also includes coverage for accidental death, permanent disability, and burial/repatriation costs.
Who is eligible for the Self-Secure Plan?
Individuals up to the age of 49 can purchase the Self-Secure Plan. If coverage starts at least three years before the 50th birthday, it can be continued until the age of 55.
What are the different plans available under self-health insurance?
There are two plans available: Gold and Platinum, which offer different levels of coverage for accidents, medical expenses, surgeries, and burial/repatriation.
What is the cost of self-health insurance?
The premium varies by age group and plan. For example, for individuals up to 30 years, the premium for the Gold plan is Rs. 1,300, and for the Platinum plan, it is Rs. 2,000. The cost increases with age and plan selection.
Does the self-health insurance plan cover pre-existing conditions?
No, the self-health insurance plan excludes coverage for health conditions that existed at the inception of the plan.
How can I file a claim for accidental death or permanent disability?
You can file a claim by providing evidence of the accident and its consequences (death or disability) within 12 months of the event.
What documents are required to file a claim for medical expenses?
You will need to submit medical bills, hospital receipts, and a detailed medical report to claim medical expenses related to an accident or surgery.
Is there a time limit for filing a claim after an accident?
Yes, the claim for accidental death or disability must be made within 12 months of the accident.
Can I claim for medical expenses if the treatment was done abroad?
Yes, Segment 2 of the plan provides coverage for medical expenses arising out of accidents occurring anywhere in the world.
How do I claim burial or repatriation expenses?
To claim for burial or repatriation, provide proof of death and other relevant documents. Coverage is provided globally, except in cases of pre-existing health conditions at the start of the plan.
What does the Self-Secure Plan cover?
The plan covers accidental death, permanent disability, medical expenses (accident-only), inpatient surgical expenses (illness-only), and burial/repatriation following death due to natural causes.
What is the coverage limit for accidental death or permanent disability?
For the Gold plan, the maximum benefit is Rs. 500,000, while the Platinum plan offers a maximum of Rs. 1,000,000.
What is the coverage for inpatient surgical expenses due to illness?
The Gold plan covers up to Rs. 25,000 with an excess of Rs. 1,000, while the Platinum plan covers up to Rs. 50,000 with the same excess.
Are medical expenses for accidents covered globally?
Yes, medical expenses resulting from accidents are covered anywhere in the world under Segment 2 of the plan.
What is the burial and repatriation benefit?
The Gold plan offers Rs. 50,000 for burial and repatriation, while the Platinum plan offers Rs. 100,000, covering death due to natural causes anywhere in the world.
How long can I continue my self-health insurance plan?
If you start your coverage at least three years before turning 50, you can continue renewing the plan until the age of 55.
How do I renew my self-health insurance plan?
You can renew the plan annually by paying the required premium before the expiry date. Renewal is subject to terms and conditions of the insurer.
Is there an age limit for renewing the plan?
The maximum age to start a new plan is 49 years. However, if you have an existing plan starting before 50, you can renew it until the age of 55.
Will my premium increase upon renewal?
Premiums are based on age brackets, so as you move to an older age group, your premium may increase at the time of renewal.
Can I switch between the Gold and Platinum plans during renewal?
Yes, you can choose to upgrade or downgrade your plan (Gold to Platinum or vice versa) at the time of renewal, subject to the insurer’s terms.
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