The HBL Freedom Account FREE Insurance Plan will provide coverage in the events of:​

1. Hospitalization (daily hospital expenses and ICU/Surgery expense)
2. Loss of cash/theft in case of ATM cash withdrawal
3. Loss of cash/theft in the case of over the counter cash withdrawal
4. Loss of personal valuables

*Hospital daily cash expenditure is valid for a minimum of 2 and maximum of 10 days. While the Maximum hospital coverage limit is for 30 days per year.

**Loss from ATM/OTC/and valuables is only claimable if the radius is or within 1.5km or equivalent to 60 minutes.

**Valuables include all non-cash items that were in your custody at the time of incident happen such as (CNIC, Passport, watch, jewelry, laptop, keys). Mobile phones and electronic devices are excluded from coverage

1. Insurance policy is only valid for individuals and not joint account owners
2. The insurance plan is exclusively designed for Freedom Account holders (existing and new customers) who maintain monthly average balance as specified.
3. Only Pakistani nationals
4. Age criteria in case of accidental hospital coverage is 18-64 years. Policy will only remain valid till the 65th birth year.

Hospital Coverage:

1. The policy shall be issued on annual/ calendar basis with annual payment conditions
2. Hospital daily cash expenditure is valid for a minimum of 2 and maximum of 10 days. While the maximum hospital coverage limit is for 30 days per year.
3. The hospitalization payment benefit may continue for up to 180 consecutive days and not to exceed the Daily Cash maximum as shown in the Feature and Benefit
4. ICU/Surgery and injuries covered for 15 days per confinement

Exclusions:

The following are excluded from the insurance coverage plan:

• Treatment for any pre-existing health conditions/issues
• Any treatment within 30 days after issuance of policy
• Routine physical check-ups, rest cures, and services including immunization.
• Mental illnesses and psychiatric disorders and any sickness or condition arising from drug abuse, alcoholism or criminal activity.
• Treatment in other than registered hospitals.
• Congenital and cosmetic treatment
• HIV-AIDS and other sexually transmitted diseases
• Maternity and pregnancies expenses
• Any experimental and or unproven treatment.
• War and civil commotion
• Treatment for injuries in any dangerous sport
• Health treatment in case of occurrence natural disasters – earthquakes and flooding
• Self-inflicted injuries while sane or insane, including attempted suicide.
• COVID -19 related expenses for non-vaccinated individuals, over the age of 18.
• Cost of limbs, hearing aid, crutches, and dentures
• Any treatment that is not recommended by the physician or that is not medically necessary is excluded from the insurance policy.
• Treatment for injuries sustained as a result of participation by the Insured in an ad which is illegal according to the laws of Pakistan.
• Engaging in air travel, except when travelling in a licensed aircraft being operated by a licensed airline

Loss of Cash through ATM/OTC/Loss of Valuable:

1. The maximum limit of claims allowed for ATM/OTC coverage is 2, while only 1 incident is allowed to be claimed per year in case of loss of valuables
2. The loss of cash directly because of robbery, armed hold-up and/or forced snatching of money will be covered within the prescribed time/radius limit of 1.5 km or 60mins
3. Loss of cash valuables will only cover wallet itself including all non-cash items such as reissuance of ID, Watch, Jewelry, Keys

Exclusions:

Insurance does not cover damages or liability resulting from by the following events:

• Fraud or dishonesty
• Cash withdrawals made by any person other than you.
• Transactions or damages done intentionally or unintentionally by You, Your spouse, children, relatives, friends, acquaintances
• Events other than violent, forcible and visible snatching/robbery
• Loss of cash/ valuables other than in the event of robbery, armed hold-up and/or forced snatching of money
• Damage(s)/loss( es) which are consequential in nature
• Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
• The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of terrorism, sabotage, riots, strike, war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
• Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
• Hurricane, volcanic eruption, earthquake, flood, typhoon, tornado or cyclone.
• Fire, explosion, spontaneous combustion, fermentation, natural heating, any loss or damage due to flooding or accumulation of water whether due to natural or manmade causes and or gradual deterioration, moth or vermin will not be covered for.

Customer who are covered on the basis on maintaining the required balance, can reach out to jubilee general insurance on the below contact:

Jubilee General Insurance Company Limited
Health Insurance Administration Office 2nd Floor, PNSC Building, Lalazar,
M.T.Khan Road, Karachi
Phone 021-3565 7885 -6, 021-3811 4000
E-mail: customer.services@jubileehealth.com

Upon receiving the notice of claim the claimant customer will require to submit a complete claim form with below documents to the Insurance company

Following documents will be required by the claimant customer:

1. Customer filled and signed claim form (Click here to download)
2. Discharge summary
3. Prescriptions and payment receipts
4. Itemized hospital bill
5. CNIC copy (claimant customer)
6. Documents of evidence that claimant is policy holder during the hospitalization period.

Upon receiving the above documents, claim will be registered and surveyor will be appointed under the advice of the bank by the insurance company The claim will be settled and deposited to the account holders account within 10 working days once all claim assessment documents are obtained from the customer

Note:

• The assured will be required to sign any necessary consent form to allow the insurance company to receive the results of any medical examination or test if required.
• Original documentation evidences and all duly completed claim forms must be submitted
• No proof will be accepted if provided later than 12 months after the date of claim

1. The customer will contact the branch at the earliest but not later than 36 hours or contact to insurance company on the below address:

Jubilee General Insurance Company Limited
Bancassurance department, 3rd Floor, Jubilee Insurance House,
I.I. Chundrigar Road
P.O.BOX 4795, Karachi.
74000, Pakistan
UAN: (021) 111-654-111, Tel: 021- 32416022-26 (Ext: 2532 / 2534 / 2535)
E-mail: bancassurance@jubileegeneral.com.pk
Website: www.jubileegeneral.com.pk.

2. The claimant customer should immediately notify the police authority and obtain a crime reference number or FIR
3. Incase of ATM Card, the customer must immediately notify the Bank that issued ATM card was snatched under the event.
4. A complete claim form must be filled within 15 days of the insured incident by the claimant customer with complete documentation proof

Following documents will be required by the claimant customer:

1. Customer filled and signed claim form (Click here to download)
2. Copy of FIR
3. CNIC copy of customer making the claim
4. Bank / Account Statement of past 6 months from the incident date.
5. ATM withdrawal slip (if available)
6. Original bills of valuables claimed with their reasonable replacement cost
7. Other supporting documents

Upon receiving the above documents, claim will be registered and surveyor will be appointed under the advice of the bank by the insurance company. The claim will be settled and directly with the account holder within 10 working days once all claims assessment documents are obtained from the customer