Getting good medical care is very important. But sometimes, the cost of treatment can be a big problem for many families. This is where health insurance can help better treatment. A health insurance is money which we pay in a very small amount to get better treatment in private or government hospitals which include free medicine, surgery, or other medical needs. This article will talk about jubilee life health insurance in Pakistan. And we will look at the different kinds available in 2025.
What is Jubilee Health Insurance?
Jubilee offers several health insurances like takaful bancassurance products through its branches or in partnership with banks. There are two main companies: Jubilee General Insurance (non-life) and Jubilee Life Insurance (life takaful, health + savings). Some plans are conventional; some are Shariah-compliant
Jubilee Life Health Insurance Allowance:
Pakistan offers jubilee life health insurance allowance to help residents afford compulsory basic health insurance. As we approach 2025, new changes are expected in eligibility criteria, income thresholds, and application processes.
New Insurance Plans (2025):
Jubilee Sehat Shifa Takaful:
A Shariah-compliant plan launched in partnership with NBP. Offers nationwide, round-the-clock cashless hospitalization including pre-existing conditions.
Jubilee Aitebaar Plan Conventional insurance (non-Takaful) plan via NBP; includes savings component. usually with guaranteed returns and bonuses.
Important Elements Across Jubilee Health Plans:
Here is the important feature which jubilee health insurance plans include,
| Elements | What Jubilee plan offers |
| Hospitalization & Surgical Cover | Most of the health plans covers surgical and hospital expenses and some miscellaneous hospital charges. |
| Cashless Facility | Many plans allow cashless treatment at hospitals patient may not to pay upfront (or pay less). |
| Pre-Existing Conditions (PECs) | Some plans cover Pre Existing Conditions after a waiting period or after continuous renewals PECs may be covered after 3-4 years of continuous coverage. |
| Out-Patient Department (OPD) | Many health plans have a very limited OPD coverage. Some plans offer for OPD via telemedicine or for some labs tests; the more focus is on the hospitalization of patient. |
| Parent / Senior Coverage | There are many plan specially for the older citizens and parents. Which is covering hospitalization, OPD, sometimes up to age 75. Age limits, premium increases, and waiting periods apply. |
| Critical Illness | Plans cover most of the critical illness of women which include breast cancer, cervical cancer etc. |
| Value-Added / Discounts | Some specific discounts on labs, pharmacies, special partnerships with hospitals (e.g. OMI Hospital) are included. Also 24/7 medical hotlines, health app to track claims, hospital locator, etc. |
Limitations & Things to Check:
Waiting Periods & PECs:
For any pre-existing condition, you may have to wait several years before those are fully covered.
OPD Coverage:
Not all plans include outpatient or diagnostic tests; often outpatient is via partner apps or limited reimbursement. If you need regular OPD (consultations, tests), check whether that is included or not.
Age Limits: New enrollments may have maximum entry age (for example 60, or sometimes 65-75 depending on plan). For older persons, premiums may be high or certain coverage limited.
Room or Board Sub-Limits:
The limit for room & board (private and semi-private, general ward) are different across plans. If you want a private room, check its cost fist and know about the extra cost to implies.
Renewal of Premiums:
To get benefits from the jubilee life health insurance known about the renewal and premium. Premiums may go up with age. Renewals may require proof of health or partial increases. Premiums might be large depending on coverage amount of the renewal process. Always check annual cost of the insurance policy and its limits.
App Claim Experience:
There are many reviewers who are using App to claim insurance policy there are mixed user reviews having different views, some complain about app errors or delays of claim. The app Jubilee Health gives policy claim details, hospital locator etc.
Pricing & Examples
Some example of jubilee life health insurances plans and their limits or premiums:
Jubilee General – Personal Health Care Insurance:
It includes the following plans which are Bronze, Silver, Gold plans with hospitalization limits like PKR 100,000 / 250,000 / 500,000. Includes pre/post hospitalization (30 days each) etc.
Parents Care Plus:
In this plan annual benefit limits are PKR 90,000 / 230,000 / 460,000 depending on plans. OPD up to PKR 40,000 in some plans. Eligibility age 45-70 for new, renewals up to 75 years.
Takaful Health Cover via Faysal Bank:
In this plan following benefits are included like Hospitalization up to PKR 600,000; additional coverage for accidents, coverage of daycare, diagnostic tests, maternity (terms apply) etc.
Suggestions & What to Choose Based On:
Depending on what you and your family need, here are some thigs on priority based.
Need for OPD Diagnostics:
If a person is not feeling well and have to visit doctor often for follow-ups and diagnostic test so pick a plan that covers OPD and diagnostic test or has partnerships
Pre-existing conditions:
If anyone is suffering from any diseases like asthma, diabetes, heart attack they must ensure the waiting period and whether coverage will include that all plans.
Maximum coverage amount or year limit:
Before taking health insurance policy make sure the annual hospitalization limit is enough for your possible medical expenses.
Network hospitals (cashless):
Before taking a policy must know about the hospital which are offing the health insurance benefits and if your preferred hospitals are not in their network, cashless benefit won’t help at those hospitals.
Premium and Benefit:
Before taking a health insurance policy fist know about the premium and the benefits it covers. The higher the premium the higher the benefit from that so decide the preferable premium policy for better tomorrow.
Extras (maternity, seniors, critical illness):
If anyone looking for more benefit which include maternity and senior care pick a plan with those explicitly included or with good add ones.
Conclusion
Jubilee Life Health Insurance in 2025 offers a wide variety of plans to meet the needs of individuals, families, and seniors. From Shariah-compliant Takaful to conventional health + savings packages, there is flexibility for different budgets and requirements. However, buyers should carefully check coverage limits, pre-existing condition rules, and hospital networks before signing up. With the right plan, Jubilee health insurance can provide financial protection and peace of mind, ensuring you and your family receive quality healthcare when needed.https://healthliker.com/jubilee-health-life-insurance/
