Health Insurance

Who can buy it

Anyone from 90 days old up to 75 years, depending on the plan.

Hospital costs that are covered

• Surgeon and anaesthetist fees, operating theatre charges, and keyhole (laparoscopic) surgery
• ICU and CCU charges
• Tests while you are admitted
• Ventilator and related services
• Doctor or surgeon visits, and medicines
• Blood and oxygen
• Prescribed medicines
• Implants and room charges

Specialist scans

• MRI
• CT scan
• Endoscopy
• Angiography
• Thallium scan
• Biopsy

Also included

• This is an individual plan, and treatment must be in Pakistan
• Outpatient costs and emergency-room treatment after an accident
• Costs up to 30 days before a hospital stay
• Costs up to 30 days after you leave hospital
• Day-care treatment
• A pre-existing illness, after 2 years of continuous cover with no break

Maternity — optional

If you add this option, pregnancy-related hospital costs are covered up to a set yearly limit:

• Hospital room charges
• Hospital services and supplies, gynaecologist fee, operating theatre, and anaesthetist
• Nursery care for the baby while the mother is in hospital

Note: You can use this benefit 10 months after the policy starts. After you renew with no gap, it applies from the first day of the new policy. Both husband and wife must buy the policy.

Maternity includes:

• Normal delivery, including forceps
• Caesarean section
• Multiple births
• Ectopic pregnancy (a pregnancy outside the uterus)
• Miscarriage
• Care before the birth, while admitted
• Medical costs after a home birth, up to Rs. 5,000
• Circumcision of a newborn boy, up to Rs. 2,000

Important notes

• These rates can change without notice
• Rates do not include government taxes
• The 10% family discount applies to each extra policy, not to the whole bill
• A pre-existing condition is covered after two years if you renew on time with no gap
• Keep your premium payment receipt
• Send a copy of the CNIC for the spouse and every adult, and the NADRA B-Form for each child
• Cover starts after a 15-day waiting period
• If you are admitted to hospital, any installments still due must be paid

How to claim

In an emergency, show your Health Card at a network hospital anywhere in the country and get cashless treatment. You do not need approval beforehand. For a planned admission, tell CSI before you go in so the stay can be approved. If that city has no network hospital and you use another hospital, pay the bill, then send the claim to our office with the bills and receipts.

What cannot be claimed

• Treatment that is not allopathic (standard medical treatment)
• Tests only, where no illness is found
• A condition present from birth
• A pre-existing condition: any illness, injury, or related symptom, including complications, whether or not a doctor treated it before the policy started
• Costs before the policy starts, or after it ends
• HIV or AIDS
• Maternity, if you did not add maternity cover
• Fertility, infertility, contraception, sterilisation, and complications from these
• Glasses, eye tests, and vision care
• Cosmetic treatment
• Dental treatment or oral surgery, except emergency dental treatment after an accident
• Self-inflicted injury, attempted suicide, alcohol abuse, drug addiction, and hazardous sports
• Injury or treatment from war, riots, strikes, terrorism, or nuclear weapons
• Radiation or radioactive contamination from nuclear fuel, nuclear waste, nuclear fission, or nuclear weapons material
• PET scan
• Preventive care, vaccines, antiretroviral drugs, dietary supplements, vitamins, and hormone replacement therapy, when outpatient cover is not included