IGI Life Mukhlis Takaful Plan helps to protect you from high medical costs in case of a hospital stay or medical emergency. It covers 100% of eligible medical expenses during hospitalization and lowers your costs for covered services, even before you reach your deductible. This plan gives you peace of mind by easing the financial stress of unexpected health issues, all in a Shariah-compliant way.
How to Apply for IGI Life Mukhlis Takaful Plan?
Please call us on our helpline and our Telesales agent will contact you soon.
Product Summary:
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Variant |
Takaful |
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Product Description |
IGI Life Mukhlis Takaful Plan guards you against the trauma that you face because of increased financial burden during hospitalization. The Takaful cover provides 100% of all eligible reasonable and customary medical expenses in case of hospital confinement. |
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Contribution Term |
Annual |
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Coverage Term |
One Year |
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Policy Currency |
PKR |
Policy Issuance:
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Eligibility Age |
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Free Look Period |
14 working days |
Benefits & Contribution:
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Contribution |
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Coverage Details |
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Key Features:
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Cashless In-patient hospitalization coverage on panel hospitals
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Coverage Enhancement on Hospitalization due to accident
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Pre & Post Hospitalization coverage up to 30 days
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Emergency Accidental Dental Treatment covered up to 6 months (covered within hospitalization limit)
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International Medical Coverage in case of emergency while member on travel (covered within hospitalization limit and claim payment will be benchmarked with AKUH on a reimbursement basis)
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No limit capped on Emergency Local Ambulance Charges
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Up to 30% discount in selected labs and Pharmacy
Additional Condition:
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Once the customer is enrolled, he/she cannot change the plan during the next 12 months.
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For an adult, the entry age is 18 to 59th birthday.
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Other terms & conditions are remaining the same.
Key Exclusions:
Benefits will not be payable if the loss occurs due to certain conditions, few key ones of which are listed below;
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War risks (active participation)
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Suicide
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“AIDS” and/or “AIDS” related diseases
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Pre-existing conditions (Up to the limits defined in the Schedule of Coverage)
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Congenital Birth Defect
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Coverage will be effective after the waiting period of 15 days from the effective date
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The complete list of exclusions will be available in the membership documents for each type of benefit.
Value added services:
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Bills are settled directly with the panel hospitals. No Claims processing required
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An extensive network of participating hospitals 250+ across Pakistan
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Staff Doctor available on call 24 hours for referrals
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Extensive reporting capabilities
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Medical Card is provided to each customer
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Pre-admission & post-hospitalization expenses covered up to 30 days
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Day care procedures
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Claim settlement 7-10 working days upon receiving complete documents
IGI Life is the product underwriter and BAFL is the distributor of the product.
You need the IGI Life Mukhlis Takaful Plan to ensure that you have sufficient financial support in case of hospitalization or any unforeseen medical emergency.
IGI Life Mukhlis Takaful protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible. You get Staff and/or Doctor available on call 24 hours for referrals and Up to 30% discount i
Upon Contribution deduction, you will get the Membership document, Coverage Certificate/card via SMS/email
No.
In case of hospitalization, you can select any of the Approved Hospitals to obtain quality medical care without having to pay out of pocket. You can avail the credit facility arranged by IGI Life WTO through a simple Pre-authorization procedure and IGI Life WTO will settle your bills directly with the hospital as per your entitlement. This relieves you from the financial distress and you can concentrate on the recovery process.
You will not receive anything as this is not investment linked product. The only benefit you gain in case of hospitalization.
Yes, this product is available only for individuals aged 18 to 59 years, and coverage can be continued until your 60th birthday. After turning 60, individual cannot opt for this plan.
Free lookup period (FLP) is a period during which you can cancel your Membership and get the full refund, it’s start from policy documents delivery and FLP period of this product is 14 working days.
Yes, you can only avail this product for one year.
The Contribution term is 1 year
No, you cannot opt through your Credit Card/Orbit/Wallet.
No, you cannot opt this product for Spouse, children or Parents.
No, you can only opt 1 Membership on one CNIC.
IGI Life – Window Takaful Operation will provide you the Membership document within 02 working days via SMS/email from your Contribution deduction.
Policy can be cancelled within free look period. You may simply call at our helpline and request and your contribution will be reversed within 5 -7 working days.
Yes, the plan provides Emergency Accidental Dental Treatment covered up to 6 months (covered within hospitalization limit)
You can cancel the Membership after free look period passed but no Contribution will be refunded.
GOD Forbidden, if you hospitalised the bills are settled directly with the panel hospitals. No Claims processing required. Moreover, in case of Non-Network hospital the initial treat has to be borne by you. IGI Life will reimburse these expenses on submission of the original bills, subject to reasonable charges
IGI Life has developed a network of around 250+ carefully selected hospitals spread across the country. A hospital panel list shall be provided to you along with the membership document at the time of opting of this plan.
Yes, in case of an emergency, the initial treat has to be borne by you. IGI Life will reimburse these expenses on submission of the original bills, subject to reasonable charges that would have been incurred at a comparable network hospital for a similar treatment.