We at NJI Life strive to support you in the realization of your organization's goals; help you plan out customized health benefit products and services that take care of your employees’ health insurance needs, leaving you to concentrate on their strategic future, while we take care of them.
Following acceptance of our quotation, simply complete the Short Health Form Questionnaire (SHFQ) and return them to us with the first premium payment. Cover can usually be confirmed immediately subject to terms & conditions of the proposal.
Short Health Form Questionnaire (SHFQ) / health questionnaire will be required to be completed by each Insured of the scheme. After the analysis, each member will accordingly be issued Certificate of eligibility and NJI Life identification card.
During Emergency, the insured can acquire the treatment on the basis of the card where as for planned treatment; prior approval from the Company and NJI Life is required.
Healthcare International plans are designed primarily to provide flexible medical treatment anywhere in Pakistan.
When an insured (his or her family) will travel abroad the expenses will be reimbursed in Pak rupees upon their return to Pakistan. It covers Accidents or acute medical emergencies arising during business /Pleasure Trip.
However, the maximum period of stay should not exceed 90 days in a calendar year.
Please note that effective non urgent chronic treatment that can reasonably wait until return to the home country will not be included.
The major facility which you will find extremely convenient is of being able to avail full credit at our network of hospitals. This implies that the Patient will not have to carry cash and yet get excellent treatment from these hospitals, which will in turn send their bills directly to us for the settlement.
We have developed Preferred Provider Network of well-known hospitals with the required geographical spread that can provide fine standard of care.
NJI Life has a large list of hospitals which are in its network and serving the customers round the clock.
List of Panel Hospitals
No there are no deductions if patient get treated at a hospital which is not part of our network.
100% reasonable and customary charges will be reimbursed subject to the actual costs incurred and the limits prescribed to the policy.
Yes, we do cover specialized investigation tests including MRI, CT scan, Endoscopy, thallium Scan, Coronary Angiography.
An employee or his employer is required to inform NJI Life about his intended hospitalization and we will issue a credit letter to the hospital. In an event of emergency cases he can rush to any hospital.
The patient is required to intimate NJI life within 24 hours of hospitalization either by fax or through phone. All claims will be reimbursed within 10 to 15 days after completion of all formalities.
The duration of the policy is on annual basis and renewal process begins with the grace period of one month.
There is no denying the fact that an efficient, dedicated and healthy work force is the success story of any organization.
The main focus of any company is to make profits in their core business. For this; the mandatory requirement is to ensure the safety of all employees within the organization. Although the health insurance regulations may vary considerably from company to company, there are definite advantages to obtaining your health insurance coverage through an employer using large or small business health insurance plans. In fact, many employees will report that the most important benefit offered to them through their job is health insurance.
However, companies generally do not have the time or the resources to undertake healthcare management on their own, as there is risk associated with major medical emergencies and escalating medical costs. Therefore, the best solution is to out-source your medical benefits to the experts at NJI Life so that you may benefit in the following ways:
Attracting & Retaining Employees:
Group health insurance is expected by the majority of workers, and providing it may help you maintain the quality employees you need for your business. The expenses are also tax deductible.
Affordability:
Health insurance will also help to reduce your personal health care expenses as a business owner since the premiums are likely to be much lower than for individual health expenses reimbursed by the company and the coverage will be broader.
Hassle Free Administrative Services:
NJI Life will manage all health care needs of your staff from a minor hospital checkup up to acute emergencies. We will take care of each and every step and ensure that the most effective health treatments are provided to your staff and will save you from the hassle of administration.
Ensuring & Promoting Healthy Living:
Providing health insurance to your employees will help to create a healthy and happy workplace environment. In addition, you are promoting a social cause of managing healthy living for a number of families.
The main focus of any company is to make profits in their core business. For this; the mandatory requirement is to ensure the safety of all employees within the organization. Although the health insurance regulations may vary considerably from company to company, there are definite advantages to obtaining your health insurance coverage through an employer using large or small business health insurance plans. In fact, many employees will report that the most important benefit offered to them through their job is health insurance.
However, companies generally do not have the time or the resources to undertake healthcare management on their own, as there is risk associated with major medical emergencies and escalating medical costs. Therefore, the best solution is to out-source your medical benefits to the experts at NJI Life so that you may benefit in the following ways:
Attracting & Retaining Employees:
Group health insurance is expected by the majority of workers, and providing it may help you maintain the quality employees you need for your business. The expenses are also tax deductible.
Affordability:
Health insurance will also help to reduce your personal health care expenses as a business owner since the premiums are likely to be much lower than for individual health expenses reimbursed by the company and the coverage will be broader.
Hassle Free Administrative Services:
NJI Life will manage all health care needs of your staff from a minor hospital checkup up to acute emergencies. We will take care of each and every step and ensure that the most effective health treatments are provided to your staff and will save you from the hassle of administration.
Ensuring & Promoting Healthy Living:
Providing health insurance to your employees will help to create a healthy and happy workplace environment. In addition, you are promoting a social cause of managing healthy living for a number of families.
NJI Life provides
NJI Life’s Group Health provides the following benefits
Hospital & Related Services:
Our Hospital & Related limits cover the following expenses:
Maternity Benefit:
Maternity Benefit covers the following expenses of up to the sub-limit for Normal Delivery:
Additional Unique Benefits:
Credit Facility from the best hospitals
Panel hospitals
New Jubilee Life Insurance has developed a Preferred Provider Network (PPN) of some very well known hospitals with the required geographical spread that can provide fine standard of care. The major facility, which is extremely convenient, is that an employee can avail full credit if he/she visits these hospitals.
Non Panel hospitals
We will reimburse the benefits utilized outside our Preferred Provider Network (PPN) hospitals on the basis of actual costs incurred.
Coverage outside Pakistan
An individual traveling abroad on business or pleasure may end up incurring heavy expenses towards hospitalization due to high medical costs involved. When an insured employee (and his/her family) will travel abroad, NJI Life will reimburse the expenses in Pak rupees upon their return to Pakistan. The coverage here is subject to:
Who is covered?
Employees & Spouses:
Dependants - Children:
Maximum age 24 years (no age limit for unmarried daughters)
Who is covered?
Below is the outline of the sample limits provided by NJI Life for health insurance plan
* Limits can be changed as per the requirement of the employer & the employees.
Different room & board limits and maximum annual limits to different employees in various categories
The benefit covers all expenses borne through a treatment provided by a Physician to the Insured Person when admitted as a registered in-patient in a Hospital
NJI Life’s Group Health provides the following benefits
Hospital & Related Services:
Our Hospital & Related limits cover the following expenses:
All in-hospital accommodation, treatment and services
Doctor’s visits
In-patient treatment/ drugs expenses
ICU charges
Charges for all Surgical procedures
Pre-hospital diagnosis: Provides reimbursement of expenses for diagnosis outside the hospital and can be utilized up to 30 days before admission into the hospital.
Post-hospital follow-up treatment: Provides reimbursement for post-hospitalization follow-up and can be utilized up to 30 days after discharge.
Local ambulance services
Day Care Surgery
Diagnostic tests
Accidental Emergency Medical Services
Maternity Benefit:
Maternity Benefit covers the following expenses of up to the sub-limit for Normal Delivery:
Pre-natal treatment
Childbirth
Post-natal treatment
Complicated delivery; wherein the maternity sub-limits are increased from the amount of normal delivery (the additional is provided free of cost)
Additional Unique Benefits:
CREDIT FACILITY from the best hospitals known as Preferred Provider Network
REIMBURSEMENT in case of treatment from non-PPN hospitals
INTERNATIONAL COVER – reimburses for sudden hospitalization abroad
Issuance of PERSONAL IDENTITY CARD
EMERGENCY HELPLINE SERVICE can be availed round the clock at
0333-3030553, 0300-8220634, 0300-2483461
Minimum turnaround time for claim settlement.
Credit Facility from the best hospitals
Panel hospitals
New Jubilee Life Insurance has developed a Preferred Provider Network (PPN) of some very well known hospitals with the required geographical spread that can provide fine standard of care. The major facility, which is extremely convenient, is that an employee can avail full credit if he/she visits these hospitals.
Non Panel hospitals
We will reimburse the benefits utilized outside our Preferred Provider Network (PPN) hospitals on the basis of actual costs incurred.
Coverage outside Pakistan
An individual traveling abroad on business or pleasure may end up incurring heavy expenses towards hospitalization due to high medical costs involved. When an insured employee (and his/her family) will travel abroad, NJI Life will reimburse the expenses in Pak rupees upon their return to Pakistan. The coverage here is subject to:
Accidents or acute medical emergencies arising during Business/ Pleasure trip.
The maximum period of stay should not exceed to 90 (ninety) days in a calendar year.
Local treatment conditions of the policy
Please note that elective, non-urgent, chronic treatment and treatments that can reasonably wait until return to the home country will not be included
Who is covered?
Employees & Spouses:
Minimum eligible age
18 years
Maximum eligible age at entry
59 years
Maximum eligible age at expiry
65 years
Dependants - Children:
Maximum age 24 years (no age limit for unmarried daughters)
Who is covered?
Below is the outline of the sample limits provided by NJI Life for health insurance plan
Healthcare International
Basic
Economy
Standard
Gold
Platinum
Hospital & Related Limits
150,000
250,000
500,000
700,000
1,000,000
Room & Board (per day)
1,500
2,500
6,000
8,000
12,000
Pre-
Hospitalization Diagnosis
Hospitalization Diagnosis
20,000
20,000
25,000
35,000
No inner
Limit
Limit
Post-
Hospitalization Follow up
Hospitalization Follow up
10,000
10,000
12,500
17,500
No inner
Limit
Limit
Maternity Option
15,000-
30,000
30,000
25,000-
50,000
50,000
500,000
120,000
150,000
Overall Max limit per person per year
100,000
250,000
500,000
700,000
1,000,000
Companies with at least 20 employees to be insured, there are no maximum limit on membership.
Full time employees of all nationalities and their families within the Eligibility Definition may be insured
Age Bands/ Years of Birth
Category 'A'
Category 'B'
Category 'C'
Empl.
Spouses
Children
Empl.
Spouses
Children
Empl.
Spouses
Children
0-17
18-39
40-49
50-59
60-64
The coverage is provided to the spouse and to unmarried children
Minimum eligible age is 18 and maximum age is 59 years for the employees and their spouses
The children will be insured from the time of their birth
Maximum age for children is 24 years (no age limit for unmarried daughters).
Following acceptance of our quotation, simply complete the Short Health Form Questionnaire (SHFQ) and return them to us with the first premium payment. Cover can usually be confirmed immediately subject to terms & conditions of the proposal.
Short Health Form Questionnaire (SHFQ) / health questionnaire will be required to be completed by each Insured of the scheme. After the analysis, each member will accordingly be issued Certificate of eligibility and NJI Life identification card.
During Emergency, the insured can acquire the treatment on the basis of the card where as for planned treatment; prior approval from the Company and NJI Life is required.
Healthcare International plans are designed primarily to provide flexible medical treatment anywhere in Pakistan.
When an insured (his or her family) will travel abroad the expenses will be reimbursed in Pak rupees upon their return to Pakistan. It covers Accidents or acute medical emergencies arising during business /Pleasure Trip.
However, the maximum period of stay should not exceed 90 days in a calendar year.
Please note that effective non urgent chronic treatment that can reasonably wait until return to the home country will not be included.
The major facility which you will find extremely convenient is of being able to avail full credit at our network of hospitals. This implies that the Patient will not have to carry cash and yet get excellent treatment from these hospitals, which will in turn send their bills directly to us for the settlement.
We have developed Preferred Provider Network of well-known hospitals with the required geographical spread that can provide fine standard of care.
NJI Life has a large list of hospitals which are in its network and serving the customers round the clock.
List of Panel Hospitals
No there are no deductions if patient get treated at a hospital which is not part of our network.
100% reasonable and customary charges will be reimbursed subject to the actual costs incurred and the limits prescribed to the policy.
Yes, we do cover specialized investigation tests including MRI, CT scan, Endoscopy, thallium Scan, Coronary Angiography.
An employee or his employer is required to inform NJI Life about his intended hospitalization and we will issue a credit letter to the hospital. In an event of emergency cases he can rush to any hospital.
The patient is required to intimate NJI life within 24 hours of hospitalization either by fax or through phone. All claims will be reimbursed within 10 to 15 days after completion of all formalities.
The duration of the policy is on annual basis and renewal process begins with the grace period of one month.
Group Insurance
- Group Life
- Group Health
- Other Products