Health Insurance
Health insurance is a vital safeguard for individuals and families in Pakistan, offering financial protection against unexpected medical expenses. The United Insurance Company of Pakistan is a leading health insurance company in Pakistan, providing comprehensive Health Insurance Plans tailored to meet the diverse needs of its clients. With our health insurance in Pakistan, you can ensure peace of mind and access to quality healthcare services. Choose The United Insurance Company of Pakistan for reliable and affordable health insurance plans in Pakistan.
What we are Giving
2097
Total No. of Policies
396 Million+
Premium
674 Million+
Total Claims
The best gift to anyone is the secure future and present with good health insurance policy. UIC gives you the best health insurance plans and affordable quotes. The details of the health insurance is following:
Overview – Taking all health worries off you
Overview – Taking all health worries off you
- Comprehensive branded scheme offering value added features and complete solution for all health worries.
- A vital tool in hassle free delivery of health care services; we will be there when you need someone to help.
- Off setting huge medical expenses that have large bearing on health and its maintenance.
- Well conceived and customized plan uniquely designed to address all health exigencies requiring hospitalization.
- Among very few national companies to cover around the world with direct settlement of medical expenses worth Rs 2.3 million abroad.
- Fulfills all requirements envisioned in government policy of healthcare for all.
- Insurance arrangements with world’s top re insurers.
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Curtails administrative and financial burden of the employer.
- Because of branding we offer more than the market.
- Employer wins the loyalty of employees, thereby enhancing efficiency and productivity.
- Extensive nationwide branch network of over 100 branches; almost every reputable hospital is on our panel in every town.
- Dreaded diseases. (Cancer, Heart Attack, Kidney Failure, Stroke, Cirrhosis, of Liver, AIDS – due to blood transfusion).
- Pre & Post hospitalization benefits – Any expenses incurred on medical consultation or tests within 15 days prior to or after Hospitalization would also be covered.
- Death repatriation within Pakistan.
- Funeral expenses and arrangements.
- Service at your doorstep with elaborate network of 105 branches.
- Win-win-win position —- employee-employer & company.
- Corporate sector employees up to the age of 65.
- Special modules are designed to cover dependent parents.
- Age of daughter can be relaxed up to her marriage.
- Age of son can be relaxed up to till 25.
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All claims are filed on a simple easy to fill Performa by the employee duly endorsed by the employer or nominee.
- Original prescription bills, receipt etc should be attached.
- Direct settlement of claims with panel hospital.
- All claims should be filed within four (4) weeks.
Benefits
Family Health Insurance Benefits
- Comprehensive coverage for all family members.
- Cost-effective compared to individual policies.
- Simplified policy management.
- Includes maternity and childcare benefits.
- Covers preventive care services.
Benefits
Corporate Health Insurance Benefits
- Enhances employee retention and satisfaction.
- Provides comprehensive healthcare coverage.
- Offers tax benefits for employers.
- Reduces absenteeism by ensuring timely medical care.
- Customizable plans to suit workforce needs.
What's Covered
OPD Benefits
- GP and Specialist Consultation fees.
- Prescribed medicines.
- Laboratory and other Investigations (e.g. X-Rays, ECGS & Ultrasound etc).
- Dental care benefits.
- Besides doctors, Consultations with registered Hakims and Practicing alternative medicine specialist is also admissible.
Dreaded Diseases
- Management of acute Myocardial infarction (Heart Attack)
- By-pass grafting
- Cancer
- CVA- Stroke
- Kidney Failure
- Renal and other major organ
- transplants
- Major burns
- AIDS
- Knee joint replacement
Maternity Benefit
- Gynaecologist's fee
- Aesthetic fee
- Diagnostic tests
- Miscarriage
- Medicines
- Baby’s Nursing Care
- Labour Room charges
- Operation Theater charges etc.
Hospitalization
- Hospital Expenses Per Person Per Confinement Per Ailment. (Pregnancy & Dreaded Diseases excluded ).
- Room Rent, Nursing expenses.
- Hospital Expenses includes Surgical expenses, Anesthesia.
- O.T. Charges, Consultation Fee, Nursing Charges etc.
- Investigation and Medicines, Blood, Oxygen Supplies, Dialyses Chemotherapy / Radiotherapy cost of pacemakers ( subject to Hospitalization Unit).
Dental Cover
- Dental care is included in the prescribed OPD (Per family).
- Dental Care include consultation and medicine, treatment of acute dental conditions and diseases of gums.
- All orthodontic procedures, making & placement of prosthesis (e.g. dentures), scaling & polishing are excluded.
- Total payable cumulative dental bills should not exceed 40% of the total OPD limit (per family).
Specialized Investigation
Specialized investigation on outpatient basis on recommendation of a specialist only, which does not require hospitalization.
These include the following tests only:
- CAT-SCAN
- MRI
- NUCLEAR SCANS
- ANGIOGRAPHIES
- EEG, EMG, ETT & ECHO
Health Insurance is now just a tap away with our intuitive mobile app
Frequently Asked Questions
What is health insurance?
Health insurance helps cover medical expenses, including doctor visits, hospital stays, and medications.
How does health insurance work?
You pay regular premiums, and in return, the insurance company covers a portion of your medical costs according to the policy terms.
What types of health insurance plans are available?
Common types include individual, family, employer-provided, and government health insurance plans.
What is the difference between in-network and out-of-network providers?
In-network providers have agreements with your insurance company for lower costs, while out-of-network providers may cost more.
Can I get health insurance if I have pre-existing conditions?
Yes, most health insurance plans cover pre-existing conditions, though some may have waiting periods or higher premiums.
How do I file a health insurance claim?
Submit a claim form along with medical bills and reports to your insurance company as per their guidelines.
What documents are needed to file a claim?
Generally, you need the claim form, medical bills, diagnosis reports, and any other required documents specified by your insurer.
How long does it take to process a claim?
Processing times vary, but it typically takes a few weeks. Check with your insurer for specific timelines.
What should I do if my claim is denied?
Review the denial reason, provide any additional information requested, and appeal the decision if necessary.
Can I track the status of my claim?
Yes, most insurers offer online tracking or customer service assistance to check your claim status.
What does my health insurance coverage include?
Coverage typically includes doctor visits, hospital stays, prescriptions, and sometimes preventive care. Check your policy for specifics.
Are there any exclusions or limitations in my coverage?
Yes, common exclusions may include certain treatments, pre-existing conditions, or elective procedures. Review your policy details.
Does my plan cover maternity care?
Many plans cover maternity care, but benefits and coverage levels vary. Confirm with your insurer.
Are preventive services covered?
Yes, many plans cover preventive services like vaccinations and screenings without extra cost.
How does coverage work for out-of-network care?
Coverage for out-of-network care may be lower, and you may need to pay more out of pocket. Check your plan’s terms.
When should I renew my health insurance policy?
Renew your policy before it expires, usually during the renewal period specified by your insurer.
Can I change my coverage during renewal?
Yes, you can often adjust your coverage or switch plans during the renewal period.
What happens if I miss the renewal deadline?
Missing the deadline may result in a lapse in coverage. Contact your insurer to discuss options.
Will my premiums change at renewal?
Premiums may increase based on factors like age, health status, and policy changes. Check with your insurer for details.
Do I need to provide new medical information at renewal?
Typically, you don’t need to provide new information unless you’re changing your coverage or insurer.
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