Q: What is the Free Look Period?
You have 14 days from receiving your Policy Document to review the terms and conditions. If you are not satisfied, you may cancel the plan within this period and receive a full refund of your premium, provided no claim has been made.
Q: Who do I contact for complaints?
For queries, complaints or claims:
Health Insurance Administration Office
PNSC Building, 2nd Floor, M.T. Khan Road, Karachi-74000
• Phone: 021-3565 7885-6
• Email: customer.services@jubileehealth.com
For Claims:
• Phone: +92(21) 38114000 (Ext: 5999, 6012, 6006 and 6011)
• Email: Grouphealth.Claims@jubileehealth.com
For Approvals:
• Phone: 021-111-111-544
• Email: Health.Services@jubileehealth.com Escalation (If not resolved within 10 days):
Jubilee General Insurance Company Limited 3rd Floor, Jubilee Insurance House, I.I. Chundrigar Road, Karachi-74000
• UAN: 111-654-111 (Ext: 2532/2535)
• Email: bancassurance@jubileegeneral.com.pk
Q: What is the procedure of lodging claims?
For hospitalization at a panel hospital, simply present your Health Card for cashless admission.
Q: How do I obtain Sehat Sarmaya Health Cover?
The plan can be purchased through your MBL account. Premiums are debited directly, and no medical tests are required for enrolment (subject to age eligibility).
Q: What is the waiting period before coverage starts?
Coverage begins 45 days after the policy issuance date in lieu of pre-existing conditions. Accidental injuries are covered immediately. There is a 60 days waiting period for maternity.
Q: What are the advantages of a panel hospital?
Cashless treatment is available at over 400+ panel hospitals nationwide. Simply show your Jubilee Policy certificate at admission, and eligible expenses will be settled directly with the hospital.
Q: Is maternity covered under this plan?
Maternity is not included by default, but you may add an Optional Maternity Rider with family coverage, offering up to PKR 100,000 for normal or C-section delivery (60-day waiting period applies).
Q: What are the major exclusions?
The plan does not cover congenital or cosmetic treatments, infertility-related procedures, psychiatric illness, substance abuse, routine checkups, eyeglasses/hearing aids, and expenses from war, riots, or self-inflicted injuries.
