In today’s fast-paced world, health issues can arise unexpectedly, and without warning. Illnesses and accidents often come with high medical expenses that can place an immense financial burden on individuals and families. Health insurance, in such cases, plays a critical role by providing the financial assistance needed to navigate through these unforeseen circumstances.

The United Insurance Company of Pakistan (UIC) recognizes the importance of affordable healthcare, which is why it has introduced its new product, Family Health Secure. This health insurance plan has been designed to cater specifically to individuals and families who may not have the financial means to handle large medical expenses in case of an illness or accident. The goal of this plan is to make health coverage accessible to all, offering various packages based on affordability and convenience.

Why Health Insurance Matters

Health insurance is no longer a luxury—it is a necessity. Without coverage, a sudden illness or accident can lead to overwhelming medical bills. In many cases, families without health insurance may have to resort to borrowing money or selling assets to cover these costs. Health insurance alleviates this burden by providing financial protection during some of the most challenging times.

Imagine a situation where you or a family member suffers from a severe illness or sustains injuries in an accident. The hospital bills, including costs for room and board, surgery, medication, and post-operative care, can escalate rapidly. Without insurance, this can drain your savings or, worse, plunge your family into debt. With health insurance like Family Health Secure, you can focus on recovery rather than worrying about how to pay for medical treatment.

Introducing Family Health Secure: Tailored for Your Needs

UIC’s Family Health Secure offers comprehensive health insurance packages designed to provide financial protection against medical expenses. This product is aimed at families who may not have any medical support during times of disease or accidents.

Here’s a breakdown of the plans:

The Rose Plan

• Limit Per Annum Per Insured: Rs. 250,000
• Room Entitlement: Rs. 9,600
• ICU Room & Board: Actual
• Pre & Post Hospitalization Benefits: 30 Days
• Ambulance Service: Rs. 15,000
• Accidental Outpatient Expense Benefit: Rs. 15,000

The Tulip Plan

• Limit Per Annum Per Insured: Rs. 175,000
• Room Entitlement: Rs. 3,500
• ICU Room & Board: Actual
• Pre & Post Hospitalization Benefits: 30 Days
• Ambulance Service: Rs. 15,000
• Accidental Outpatient Expense Benefit: Rs. 15,000

The Jasmine Plan

• Limit Per Annum Per Insured: Rs. 100,000
• Room Entitlement: Rs. 2,500
• ICU Room & Board: Actual
• Pre & Post Hospitalization Benefits: 30 Days
• Ambulance Service: Rs. 15,000
• Accidental Outpatient Expense Benefit: Rs. 15,000

These plans provide coverage across a variety of medical expenses, ensuring that you and your family are protected. Depending on your financial capacity, you can choose a plan that best fits your needs.

Affordable Rates for Every Age Group

UIC has Under UIC’s Family Health Secure, three plans—Rose Plan, Tulip Plan, and Jasmine Plan—offer a range of affordable rates tailored to different age groups. Here’s a breakdown of how each plan’s premiums vary based on age:

Rose Plan (Most Comprehensive Plan)

• Ages 0-17: 4,384 PKR
• Ages 18-29: 6,132 PKR
• Ages 30-34: 6,948 PKR
• Ages 35-39: 7,466 PKR
• Ages 40-44: 9,180 PKR
• Ages 45-49: 9,802 PKR
• Ages 50-54: 12,029 PKR
• Ages 55-59: 14,550 PKR
• Ages 60-64: 19,358 PKR

Tulip Plan (Middle Option, Balanced Coverage)

• Ages 0-17: 3,139 PKR
• Ages 18-29: 3,833 PKR
• Ages 30-34: 4,134 PKR
• Ages 35-39: 4,596 PKR
• Ages 40-44: 5,821 PKR
• Ages 45-49: 6,499 PKR
• Ages 50-54: 8,001 PKR
• Ages 55-59: 9,824 PKR
• Ages 60-64: 11,760 PKR

Jasmine Plan (Most Affordable Plan)

• Ages 0-17: 2,205 PKR
• Ages 18-29: 2,596 PKR
• Ages 30-34: 3,688 PKR
• Ages 35-39: 3,879 PKR
• Ages 40-44: 4,302 PKR
• Ages 45-49: 6,053 PKR
• Ages 50-54: 6,969 PKR
• Ages 55-59: 8,341 PKR
• Ages 60-64: 9,520 PKR

For older individuals, the costs may rise slightly due to increased risk, but UIC has ensured that their packages remain well within reach for all demographics.

Benefits of Choosing Family Health Secure

1. Peace of Mind: Health insurance not only protects you from financial disaster but also provides peace of mind, knowing that if something goes wrong, you’ll receive the care you need without the additional stress of financial concerns.
2. Comprehensive Coverage: The plans cover essential medical treatments including hospital stays, surgical procedures, ICU charges, and even post-hospitalization expenses.
3. Affordability: With three distinct plans—Rose, Tulip, and Jasmine—UIC has ensured that every family, regardless of financial status, has access to healthcare.
4. Cashless Facility: With Family Health Secure, you don’t have to worry about making upfront payments at the hospital. This cashless facility means that all your covered expenses will be taken care of by UIC directly, allowing you to focus solely on your recovery.
5. Accidental Benefits: In case of an emergency accident, the plan covers outpatient expenses and ambulance services, ensuring that you receive prompt and adequate treatment.

Conclusion

Health is indeed wealth, and protecting it should be a priority for everyone. United Insurance’s Family Health Secure offers a wide range of plans designed to fit your needs and your budget. Whether you opt for the Rose, Tulip, or Jasmine plan, you can rest assured that you and your family will be covered in case of illness or accident.

Investing in health insurance today means safeguarding your future. With UIC’s Family Health Secure, you get quality care, convenience, and financial protection, ensuring that your health remains your most valuable asset. Choose the health insurance plan that fits you best and enjoy peace of mind knowing that you and your loved ones are covered.