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    IGI - Solution of Your Healthcare Needs You Can Choose A Range of Benefits For Different Categories of Employees

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    adnanakhtarhrp
    This document describes a health insurance product called Health Sure offered by IGI Insurance. Key benefits of Health Sure include access to a network of over 50 hospitals across Pakistan, no limits on hospital stays or procedures, coverage of meals and ambulance charges, and discounts on other healthcare services. The product aims to provide affordable and efficient healthcare coverage to companies to help attract and retain employees. IGI Insurance has over 50 years of experience in insurance and manages all aspects of healthcare coverage through this product.

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    IGI - Solution of Your Healthcare Needs You Can Choose A Range of Benefits For Different Categories of Employees

    Uploaded by

    adnanakhtarhrp
    57 views6 pages
    This document describes a health insurance product called Health Sure offered by IGI Insurance. Key benefits of Health Sure include access to a network of over 50 hospitals across Pakistan, no limits on hospital stays or procedures, coverage of meals and ambulance charges, and discounts on other healthcare services. The product aims to provide affordable and efficient healthcare coverage to companies to help attract and retain employees. IGI Insurance has over 50 years of experience in insurance and manages all aspects of healthcare coverage through this product.

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    Health

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    This document describes a health insurance product called Health Sure offered by IGI Insurance. Key benefits of Health Sure include access to a network of over 50 hospitals across Pakistan, no limits on hospital stays or procedures, coverage of meals and ambulance charges, and discounts on other healthcare services. The product aims to provide affordable and efficient healthcare coverage to companies to help attract and retain employees. IGI Insurance has over 50 years of experience in insurance and manages all aspects of healthcare coverage through this product.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    57 views6 pages

    IGI - Solution of Your Healthcare Needs You Can Choose A Range of Benefits For Different Categories of Employees

    Uploaded by

    adnanakhtarhrp
    This document describes a health insurance product called Health Sure offered by IGI Insurance. Key benefits of Health Sure include access to a network of over 50 hospitals across Pakistan, no limits on hospital stays or procedures, coverage of meals and ambulance charges, and discounts on other healthcare services. The product aims to provide affordable and efficient healthcare coverage to companies to help attract and retain employees. IGI Insurance has over 50 years of experience in insurance and manages all aspects of healthcare coverage through this product.

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    IGI – solution of your

    You can choose


    Healthcare Needsa range of
    benefits for different categories
    of employees

    Product Categories and Limits


    Indicative Plans A B C D
    HOSPITALISATION 100,000 75,000 50,000 25,000
    ROOM & BOARD 3,500 2,500 1,500 500
    ADDITIONAL LIMIT 300,000 250,000 200,000 150,000
    Maternity: Normal 30,000 20,000 15,000 6,000
    C - Section 60,000 40,000 30,000 12,000

    Some of the Major Exclusions are:


    ● ● Psychotic, mental or nervous disorders
    Routine medical examinations
    (including any neuroses and their
    ● Dental treatment or oral surgery apart
    physiological or psychosomatic
    from emergency accidental dental
    manifestations) or sexual reassignment
    treatment.
    (whether or not for psychological
    ● Cosmetic surgery. reasons).
    ● Birth defects or congenital illness. ● Self-inflicted injury, attempted suicide,
    ● Pre-existing medical conditions unless abuse of alcohol, drug addiction or
    the condition has been declared to and abuse and treatment of any sexually
    accepted by the Company in writing. transmitted diseases.
    Health Sure
    Recover Sure with Health Sure

    Branch Network

    Karachi (Head Office) Faisalabad Sialkot


    7th Floor, The Forum, Second Floor, Sitara Tower, Suite Nos. 10 and 11,
    Suite Nos. 701-713, Bilal Chowk, Civil Lines, First Floor, Soni Square,
    G-20, Block-9, Faisalabad. Khadim Ali Road,
    Khayaban-e-Jami, Clifton, Tel: (92-41) 111-308-308 Mubarik Pura, Sialkot.
    Karachi-75600, Pakistan. (92-41) 2629416 Tel: (92-52) 3258437
    UAN: (92-21) 111-308-308 Fax: (92-41) 2629415 Fax: (92-52) 3258438
    Fax: (92-21) 5301772
    (92-21) 111-567-567

    Karachi Lahore Gujranwala


    Bungalow D-32, Block-2, 5-F.C.C., Syed Maratib Ali Anwar Industries
    Clifton, Karachi. Road, Gulberg, Lahore. Complex, Block B-1,
    Tel: (92-21) 5831030-32 UAN (92-42) 111-308-308 Gujranwala.
    Fax: (92-21) 5831062-64 Tel: (92-42) 5753404-6 Tel: (92-55) 4294260-72
    Fax: (92-42) 5752338 Fax: (92-55) 4294273

    Multan Islamabad
    Mezzanine Floor, Abdali Basement, Razia Sharif
    Tower, Abdali Road, Multan. Plaza, 90 Blue Area,
    UAN: (92-61) 111-308-308 G/7, Islamabad.
    Tel: (92-61) 4500179 UAN: (92-51) 111-308-308
    (92-61) 4784402 Tel: (92-51) 2277355
    Fax: (92-61) 4784403 (92-51) 2273840
    Fax: (92-51) 2277356

    0800-2-34-34 Website: www.igiinsurance.com.pk


    Health Sure
    Recover Sure with Health Sure

    0800-2-34-34
    www.igiinsurance.com.pk
    IGI Insurance Limited

    IGI Insurance Limited Since 1953, IGI Insurance in Pakistan. This we have
    (formerly International has been providing achieved through a total
    General Insurance comprehensive risk commitment to customer
    Company of Pakistan management facilities to a satisfaction, a highly
    Limited) is a flagship number of distinguished professional attitude
    organisation of Packages local and multinational towards underwriting risk
    Group, one of the leading business concerns through and prudent management
    business houses of a network of branches in practices. By developing
    Pakistan. IGI Insurance Pakistan. a long-term relationship
    underwrites all types of with our clients, in the
    property and casualty Our covenant with the last four decades, we have
    insurance: fire, marine, customers has always created value for our
    motor, travel, health and been to provide the best customers and
    miscellaneous. risk management services shareholders alike.

    Table 1 shows our financial position based on the Audited accounts of 2006-7.

    Table 1:
    RUPEES IN MILLION
    GROSS PREMIUM (G.P.) 900
    UNDERWRITING PROFIT (U.P.) 227
    INVESTMENT INCOME 7,316
    PROFIT BEFORE TAX 7,357
    PAID UP CAPITAL AND RESERVES 8,510
    NET ASSETS AT REALISABLE VALUE OVER 9 BILLION
    Market Standing

    Our Company has been awarded


    “AA” (Double A) Insurer Financial
    IGI -- Solution to your
    Strength (IFS) Rating by Pakistan Healthcare Needs
    Credit Rating Agency (Private) Health Sure offers a managed care solution
    Limited (PACRA), which denotes a very to your healthcare needs backed by
    ,
    strong capacity to meet policyholders and professional staff, financial strength and
    contract obligations. This is the highest insurance experience accumulated over
    rating, consecutively for the eighth year, a period of fifty years. Our managed care
    amongst the local insurance companies system provides for quality healthcare
    and has given a lot of confidence to us at an affordable cost.
    as well as to our clients.
    Our managed care system comprises of:
    In line with our growth strategy, we have ● A network of over fifty carefully

    acquired the Pakistan operations of selected hospitals all over the country
    Royal and SunAlliance Plc. U.K. ● A network of diagnostic centers

    As a result of this acquisition, we have and pharmacies


    positioned ourselves amongst the top five ● Qualified staff doctors

    insurance companies operating in Pakistan. ● An expert claims handling team

    IGI is now a global network partner of Royal


    and SunAlliance Global Network Plc. U.K. Through this system, we ensure that our
    customers get the best available treatment
    At IGI, we are committed to maintaining at reputed hospitals under the
    the highest standards of integrity and administrative supervision of our staff
    fair dealing in our relationships with all doctors. Our claims team guarantees
    stakeholders: customers, intermediaries, staff, that we are charged competitive rates
    shareholders and business partners. by the healthcare providers (hospitals, labs)
    Wherever we operate, we seek to make a thereby ensuring a tight control on
    positive and meaningful contribution to treatment expenses. These cost efficiencies
    are transferred to our customers by way
    community activities and to behave in a
    of affordable premium rates.
    socially responsible manner.
    Benefits of Credit facility at our panel of
    well-reputed hospitals across
    Health Sure Pakistan

    As competition grows in the job market, No limit on length of stay in


    the hospital
    it has become very difficult for
    companies to attract and retain high No sub limits on hospital
    procedures or surgeries
    calibre employees. In addition to
    ,
    competitive salary, other fringe benefits Patient s meals covered
    including a comprehensive healthcare Local ambulance charges
    coverage are considered essential covered

    in this regard. Some companies Discounts at consultations,


    dental treatments, pharmacies
    provide healthcare coverage through
    and diagnostic services
    self-insurance. However, it becomes
    difficult for them to budget and manage
    their healthcare program due to
    ever increasing medical inflation
    (i.e. increase in treatment costs and
    development of new and expensive
    treatment methods), fluctuations in
    healthcare expenses and lack of
    relevant professional staff. Hence,
    most companies feel comfortable in
    outsourcing their healthcare needs to a
    professional health insurance company
    -- a company that can provide cost Out of network treatment
    effective yet efficient healthcare. reimbursed
    Discretionary Benefit Option
    In addition to the quality (DBO) to pay for costs normally
    of care, we also offer excluded from the policy
    the following free 24-hour Medical Hotline
    value-added benefits: managed by our staff doctors
    No pre-authorisation for Easy to carry Health Card
    admission
    Pre and post hospitalisation
    expenses

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