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

1. Hospital Cash Coverage (daily hospital expenses and ICU/Surgery expense)
2. Coverage of 13 critical illness. (New to scheme)
3. Loss of cash/theft in case of ATM cash withdrawal.
4. Loss of cash/theft in the case of over-the-counter cash withdrawal.
5. Gadget Insurance. Covered in the event of a snatching incident at an ATM & OTC transaction.
6. Unlimited free Doctor online consultation, through Sehat Kahani. (New to scheme)

• Band 1: The Primary Account Holders must maintain an average balance of PKR 250,000 to PKR 4,999,999 consistently for a month to qualify for insurance coverage.
• Band 2: The Primary Account Holders must maintain an average balance of above 5,000,000 consistently for a month to qualify for insurance coverage
• If the average balance in Freedom Account falls below the eligibility criteria in any month, the insurance cover will lapse or will become eligible for the lower band. To re-enroll in the same band or above, the customer must maintain the minimum average balance for a month for the relevant eligibility band.

*Hospital daily cash expenditure is valid for a minimum of 2 and 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.

*** This covers Gadgets like smart watches, Mobile phones and Laptops that were in your custody at the time of incident at an ATM and OTC transaction.

Hospital Coverage:

• The policy shall be issued on annual/ calendar basis with annual payment conditions
• Hospital daily cash expenditure is valid for a minimum of 2 and maximum of 15 days consecutive. While the maximum hospital coverage limit is 30 days per year.
• ICU/Surgeries covered maximum up to 15 days

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
• Any OPD expenses, 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 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:

• The maximum limit of claims allowed for ATM/OTC coverage is 2,
• For valuables only 1 incident per year shall be allowed to be claimed
• 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
• 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.

1. The claimant customer should immediately notify the police authority and obtain a crime reference number or FIR
2. Incase of ATM Card, the customer must immediately notify the Bank that issued ATM card was snatched under the event.
3. 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