Medical Insurance in Pakistan Plan helps you covering medical costs when you live in Pakistan. Medical Insurance Plan in Pakistan offers both public and private medical policies. The Medical Insurance is a type of insurance coverage that covers the cost of insured individual medical expenses.
Why you need Medical Health Insurance:
Medical Insurance is required for the following reasons
- Medical Insurance protects you from high unexpected costs.
- Provides quality treatment at an affordable price
- Some medical insurance also provides cashless service
- Provides you with some tax benefits
- Pre and post hospitalization expenses
Rising Medical Care cost reasons:
Some of the reasons for rising medical care cost are
- Speciality medical care
- Investigative type of treatment
- Medical equipment
- Cost of living/Inflation
- Rising drug prices
- Super-speciality doctors
- Defensive medical practice
Why is medical insurance essential?
Medical Insurance is essential because of unaffordable health care, and as there are no basic public health services in some areas. An increase in life expectancy is also one of the reason, and some took the quote Health is Wealth very seriously but in a wrong manner, but the good news is that Medical Insurance is affordable
How to plan medical insurance?
For planning medical Insurance following points are important
- Expected requirement
- Features of a medical plan plan
- Flexibility of plan
- Renewing process
- Number of critical illness covered
- Limit on the family size
- The option of relevant and segmented benefit for parents
- Number of hospitalization days and daily cash limit
- Medical network
Medical Coverage Details:
- Coverage for Day Care Surgeries
- 24-hours Medical Service
- Full-time doctors for case management
- An extensive network of Panel Hospitals
- Broader choice hospitals for easy access
- No waiting at the time of admission to the Network hospitals
- They No claims to file, minimal paperwork
- No cash payment is required if the expenses are within limits assigned
How to claim Medical Health Insurance:
- Get admitted to any one of the panelled hospitals
- Fax the report to the company
- Get receipts and bills
- Get your claim form
- Provide all details to the Insurer
Medical Insurance in Pakistan:
There are many reasons due to which getting Medical Insurance Pakistan is essential. Like the risk of getting malaria and overcrowded hospitals in Pakistan makes it necessary to buy a Medical Insurance
Options for Private Medical Insurance in Pakistan:
There are several options for Medical Insurance in Pakistan, which includes
- International medical insurance
- Local medical insurance
- Travel medical insurance
International medical insurance:
International medical insurance plans offer comprehensive medical care coverage and have features such as emergency evacuation benefits.
Local medical insurance:
The option of a local Pakistan medical insurance plan is also available. But the coverage is limited to Pakistan only. It is a good option for those who spend most of their time in Pakistan.
Travel medical insurance:
Travel medical insurance plan helps those people who are always travelling worldwide. This insurance provides coverage to an individual while travelling.
Exclusions:
- Operation not recommended by legal authorities
- Pre-existing injuries
- Mental illness
- Alcohol-related issues
- HIV or AIDS
- Self-inflicted injuries
- Suicidal cases
- Routine physical examination
- Personal comfort items
- Plastic surgeries
- Injuries and illness due to wars