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Dost Muhafiz

Dost Muhafiz is an e-health care service aimed at providing the best medical/insurance services to our MMBL customers. From consultations to prescriptions, Dost Muhafiz will connect you to the best certified doctors around the country. Moreover, it provides flexible insurance plans to customers according to their needs.

  • 100% reimbursement at non-panel hospitals.
  • Disbursement claims within 2 days.
  • Unlimited consultations with doctor via video/voice calls for Family.
  • Amount claimed to be deposited on his/her account.

  • Only for ACTIVE MMBL customers.
  • Insurance benefits only for Account holder.
  • Free trial for 3 days.
  • Different product variants: 300 (Quarterly), 500 ( 6 Months) and 1,000 (Annually)
  • Online and offline consultation – non emergency cases.

Two types of Insurance to be offered to customers:

A. General Health Plus
General Health Plus
Premium Rs.40 Rs.300 Rs.500 Rs.1,000
Tenure Weekly Quarter 6  Months Annual
Hospitalization- Maximum Annual Limit Rs. 20,000 Rs. 50,000 Rs. 100,000 Rs. 200,000
Auto Renew No No No No
Per Confinement Up to the Limit Up to the Limit Up to the Limit Up to the Limit
Co-payment (in case of Treatment at a Non-Panel Hospital 100% re-imbursement 100% re-imbursement 100% re-imbursement 100% re-imbursement
Unlimited Doctors Services over the phone, Voice and Video for FAMILY FAMILY FAMILY FAMILY FAMILY
Room and board General ward Up to Rs. 1000 up to Rs. 3,000 up to Rs. 5,000 up to Rs. 10,000
Ambulance Maximum Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000
MRI, CT scan, Endoscopy, Angiography, Thallium Scan
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Dialysis (if recommended by doctor), Kidney Stone
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Cataract Surgery, Treatment of fracture PEC Not Covered Not Covered Not Covered Not Covered
In case of accident limit 100% Covered 100% Covered 100% Covered 100% Covered
Age Limit  18-65 years 18-65 years 18-65 years 18-65 years
Pre-Existing Conditions (PEC) Not Covered Not Covered Not Covered Not Covered
Loss of Income during Hospitalization (maximum 30 days) Rs. 500 per day Rs. 1000 per day Rs. 1000 per day Rs. 1000 per day
Burial Charges Rs. 2,500 Rs. 5,000 Rs. 10,000 Rs. 25,000

** excluding sales tax

 

  • Claim will be calculated according to normal charges of the hospital around claimant’s city
  • Maximum limit of Surgeon Fee is Rs. 10,000/- in case of surgical procedures and other charges i.e. anesthesia, operation room charges will be calculated at standard rates
  • Maximum on claim limit is Rs. 10,000/- for plan A, Rs. 20,000/- for Plan B and Rs. 30,000/- for Plan C
  • In case disease related to fever claimant must provide PCR/Corona report
  • Nursing charges are not payable
  • Medicines on discharges are not covered
  • Food charges are excluded
  • Working ladies and working at home ladies cannot claim for income loss compensation
  • 7 Days waiting period applied
 
 
B. Women Health Plans
Women Health Plans
Premium Rs.70 Rs.700 Rs.1200 Rs.2,000
Tenure Weekly Quarter 6  Months Annual
Hospitalization- Maximum Annual Limit Rs. 10,000 Rs.30,000 Rs.50,000 Rs.100,000
Room and board General ward Up to Rs. 1000 up to Rs. 2,000 up to Rs. 3,000 up to Rs. 5,000
Maternity Rs. 5,000 Rs. 10,000 Rs. 20,000 Rs. 30,000
Covid Rs. 10,000 Rs. 10,000 Rs. 10,000 Rs. 10,000
Accidental Emergencies Rs. 10,000 Rs. 30,000 Rs. 60,000 Rs. 120,000
Per month limit for Accidental emergencies No limit Rs. 10,000 Rs. 10,000 Rs. 10,000
Per Confinement Up to the Limit Up to the Limit Up to the Limit Up to the Limit
Nursing Charges Not Covered Not Covered Not Covered Not Covered
Food Charges Not Covered Not Covered Not Covered Not Covered
Co-payment (in case of Treatment at a Non Panel Hospital 100% re-imbursement 100% re-imbursement 100% re-imbursement 100% re-imbursement
Unlimited Doctors Services over the phone, Voice and Video for FAMILY FAMILY FAMILY FAMILY FAMILY
Ambulance Maximum Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000
MRI, CT scan, Endoscopy, Angiography, Thallium Scan
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Covered
(during hospitalization only)
Age Limit 18-65 years 18-65 years 18-65 years 18-65 years
Age Limit for Maternity 18-45 years 18-45 years 18-45 years 18-45 years
Pre-Existing Conditions (PEC) Except Maternity Not Covered Not Covered Not Covered Not Covered

** excluding sales tax

 

  • Claim will be calculated according to normal charges of the hospital around claimant’s city
  • Maximum limit of Surgeon Fee is Rs. 10,000/- in case of surgical procedures and other charges i.e. anesthesia, operation room charges will be calculated at standard rates
  • Maximum on claim limit is Rs. 10,000/- for plan A, Rs. 20,000/- for Plan B and Rs. 30,000/- for Plan C
  • In case disease related to fever claimant must provide PCR/Corona report
  • Nursing charges are not payable
  • Medicines on discharges are not covered
  • Food charges are excluded
  • 7 Days waiting period applied

For more information, queries, product features and complaints, contact at helpline number 0344-3333737.

Customer charges : Amount + F.E.D ( Federal Excise Duty)

Who can avail the health insurance service?

MMBL customers with active account status can avail this service.

 

Is there any age limit in health coverage?

Yes, it covers people of age group 18-65.

 

What is the time period of free trial?

The time period for free trail is 3 Days.

 

Does the health insurance covers the hospitals which are not on panel?

Yes, hospitals which are not on panel are being covered in insurance with 100% reimbursement.

 

What if customer is not interested in continuing the service?

Customer will be given a time period of 15 days in which he/she can discontinue the service and the amount will be paid back.

 

On how many channels/mediums the HealthCare product will be offered?

HealthCare product will be offered on two different channels which are mentioned below:

  1. Interactive Voice Response (IVR) – Online or Offline model.
  2. Dost App HealthCare

 

What is the process for the reversal of charges?

The customer needs to call at the dedicated helpline number 0344-3333737 to reverse the charges during 15 days’ time period.

 

What is the journey/flow if customer calls helpline number?

The below mentioned format will be followed when customer calls helpline number:

  1. For product information - Press 1
  2. Consultation with Doctors – Press 2
  3. For Claim/Compliant – Press 3

 

Is Insurance benefit for whole family?

No, it is only for the MMBL Account holder.

 

Does the Insurance plan cover emergency services?

No, it is a non-emergency medical service.

 

How many types of Health Insurance plans do you have?

We have two types of health insurance plans viz. General Health Plans and Women Heath Plans.

 

What documents are required at the time of Claim reported?

The Company shall obtain following documents from you:

  1. Admission Slip of Hospital.
  2. Discharge Slip of Hospital.
  3. Doctor Prescription/ Note for admission or Medical History.
  4. Medical Reports if any
  5. Any Bills to be claimed.
  6. CNIC Both Sides – Front and Back.
  7. In case of income loss compensation, customer must submit proof of income loss i.e. salary slip etc.

 

What is the time duration to notify the company for the insured claim?

Notify the company as soon as possible, but not later than fifteen (15) days from the date of discharge from hospital.

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