You can apply if your principal of country of residence (usual country of residence) is in Pakistan. This means Pakistan is where you usually live or intend to live for at least 185 days in a year. You and/or your spouse must be between age 18 to 65 years old at the time of application and the cover may be renewable up to age 80 years old.

Yes you can apply for your child(ren) with you as the policyholder if their age is between 15 days old up to 18 years old if they are residing with you, is unmarried and not employed. For child(ren) age 19 to 25 years old, you can apply for them as the policyholder if they are full-time students with proof of educational certicate, unmarried and unemployed. For child(ren) above age 18 who does not meet the above conditions, they can apply for their own policy

No medical checkup will be required at application. We will assess your application after you have completed and signed the medical declaration application form. 

No. Your dependants must apply for the same plan as you under the same policy.

Yes, premium is only payable in Pakistani Rupees.

Yes. You can do an upgrade or downgrade of your plan at the Policy Anniversary. This will be subject to our approval. For any plan upgrades such as increase in plan limits, expanded area of coverage, addition of new optional benets, please submit your request with a new application for the requested plan upgrade. We will require you to declare again your health and for all insured persons on any changes to be made from the initial health declaration made.

The cover will take effect after the application has been accepted by us and our receipt of the premium due. We will inform you when your cover commences. If we have included any additional term(s), you must agree and conrm acceptance of these terms and the premium due had been received by us before the cover can commence. The commencement date (start date) of any cover cannot be backdated.

You will be covered for emergency treatment only, or treatment of a Medical Condition which arises suddenly outside your selected Area of Cover provided it does not exceed 90 days per trip (inclusive of the days where treatment was given) up to the amount shown in your benet table. However, you will not be covered for treatment if you travelled outside the area of cover to get treatment (whether that was the only reason) or for any Treatment which was or may have been reasonably known before your travel commenced. This is benet subject to policy terms, limits and sub-limits applicable for the plan and does not cover any aspect of pregnancy, childbirth or any complications of pregnancy or childbirth or if you are able to benet from free state-provided healthcare in that country.

If you move to another country, please contact us as it would affect the eligibility of the cover. If you are a Pakistan national, we may continue your cover under some circumstances provided there is no breach of any laws, regulations, or a violation of any sanctions. If cover can be continued, we will inform you we can insure you and may impose any additional premium adjustment to reect the change in residence. If you did not inform us of the change in your principal country of residence, we can refuse to pay for the benets and proceed to cancel the policy.

We will notify you about the upcoming renewal of the insurance policy at least 30 days before your policy expires. You can either email or call us to inform us to renew the policy and pay the renewal premium before the policy expiry

Yes, you can use this card at our listed Medical network hospitals and providers in Pakistan.

You can reach out to us on your membership enquiries at +92-42-111-234-222 or email to us at globalhealthcare@alfalahinsurance.com.

Whenever you change or intend to change your principal country of residence, you must notify us of such changes soonest. If you are not a Pakistan national and you are returning to your home country to live, you will not be able to keep this policy. If you are a Pakistan national , we will review your request, as in some cases we may not be able to cover you when you reside outside of Pakistan because of international law or domestic law of the country.

You can simply call +92-42-111-234-222 when outside Pakistan. We will help you process your claim as quickly as possible.

Yes, please contact us for more information on the network, if required.

We will settle the eligible in-patient treatment claims via direct billing to the hospitals on our panel in Pakistan and overseas within the agreed network of providers and in your chosen area of cover. If the hospital within your chosen area of cover is not on the panel of network providers, the reimbursement will be based on usual, reasonable and customary charges in respect of an eligible treatment and expenses incurred. For any reimbursement type claims you must present your treatment related invoices and reports and we will reimburse the claims once we have completed our assessment. Pre-notication for all eligible in-patient treatment or day-care treatment is required.

You can submit a claim to us arising from an insured event once the policy has been issued. However, some benets are subject to a waiting period, examples Pre-existing conditions, Hospice and Palliative Care and Psychiatric treatment. For benets with waiting periods, we will not be paying for any claims incurred within the waiting periods. In addition to the waiting periods, all claims are subject to the terms, conditions, and exclusions in the policy wording before we can conrm that the claim is eligible.

Yes, you are covered in any recognised hospital located in your selected area of coverage. However, in case you visit a hospital that is not part of the Direct billing network, you may have to pay these costs and submit the claim to us. You can access the Direct-billing network in and outside Pakistan from our website: https://www.axaglobalhealthcare.com/find-AIC

If you have declared to us your pre-existing medical illnesses and conditions during your application and after our underwriting assessment, we will advise you on the terms we can offer. If there is no specic additional exclusion, we may be able to cover the declared illnesses or conditions if it does not fall under any other general exclusions and limitations as stated in the policy wordings. However, if you do not take reasonable care and the information provided by you is inaccurate or incomplete then depending on the circumstances, we may terminate your policy, declare your policy void (treating your policy as if it had never existed), impose different terms to your cover, or refuse to pay all, part of any claim or even reduce the amount of any claim payments.

We will not change the terms of your policy. However, the premiums are re-calculated at renewal in accordance with the age and plans at the time you renew the policy. The premiums may also be revised if there are regulatory requirements and changes. The premium payable is not guaranteed and shall be determined at each renewal based on the attained age of each insured, their medical conditions and if there are changes due to increased cost, regulations or benet changes.

Yes. You can choose your own medical providers or doctor, but they must be qualied and recognised by us within your chosen area of cover. The chosen treatment must be established as effective and not experimental or pioneering or surgical techniques including medicines and medical advice not approved by the relevant authorities and government regulatory board. We have contractual agreement through our partners with a list of medical network hospital and providers where we have preferred rates and direct billing arrangements. Use of the applicable network to your plan will minimize unnecessary delays in claims settlement.

Yes, you are free to choose any recognized doctor for your treatment in any country within your chosen area of cover, subject to reasonable and customary charges. We have contractual agreement through our partners with a list of medical centers where we have preferred rates and direct billing arrangements. Use of the applicable network to your plan will minimize delays in settling claims.

No, your plan provides cover only for the cost of a single room of a standard class up to the limits shown in the benets table applicable to your plan. Please refer to the Table of Benets for the limits stated. Should you choose to upgrade your hospital room & board type, you will have to self-pay for the difference for all increased costs.

Yes. We will pay for active cancer treatment intended to treat, shrink, stabilize or slow the spread of cancer and not given solely to relieve the symptoms, this is limited to radiotherapy and chemotherapy for all plans up to the benet limits stated in the benet table, for which rst symptoms become apparent after the member was accepted by us for cover on a particular plan. If there were any symptoms prior to your application and inception of your policy, such conditions must be declared in good faith to us at the time of insurance application.

For all claims related queries, you can reach us at our 24/7 claims customer service team. Claims in Pakistan: +92-42-111-234-222. Claims outside Pakistan: +92-42-111-234-222