The Shifa Takaful Plan offers Shariah-compliant health coverage for you and your family. It is available exclusively through Bank Alfalah branches in partnership with IGI Life – Window Takaful Operations.
Features and Benefits
You can choose from three plan types: Bronze, Silver, and Gold.
|
Coverage |
Bronze |
Silver |
Gold |
|
Hospitalisation (per annum) |
PKR 150,000 |
PKR 300,000 |
PKR 500,000 |
|
Additional coverage (accident-related hospitalisation) |
PKR 100,000 |
PKR 150,000 |
PKR 250,000 |
|
Daily room and board |
Semi-private |
Semi-private |
Private |
|
Pre-hospitalisation (30 days) |
Covered |
Covered |
Covered |
|
Post-hospitalisation (30 days) |
Up to PKR 8,000 |
Up to PKR 12,000 |
Up to PKR 15,000 |
|
Lacerated wounds and fractures |
Covered |
Covered |
Covered |
|
Intensive care unit |
Covered |
Covered |
Covered |
|
Death due to any cause* |
PKR 100,000 |
PKR 100,000 |
PKR 100,000 |
*Death coverage is valid up to the 69th birthday.
Contribution Schedule
|
Age |
Bronze |
Silver |
Gold |
|
0 – 44 years |
PKR 7,700 |
PKR 11,800 |
PKR 13,000 |
|
45 – 59 years |
PKR 15,700 |
PKR 24,100 |
PKR 26,100 |
|
60 – 64 years |
PKR 22,100 |
PKR 33,100 |
PKR 35,700 |
|
65 – 69 years |
PKR 52,700 |
PKR 78,200 |
PKR 84,800 |
|
70 – 75 years |
PKR 54,700 |
PKR 86,300 |
PKR 94,500 |
Choose the plan type that best matches your needs.
Eligibility
-
Available to Bank Alfalah customers aged 18 to 59 years
-
Renewable up to age 75
Term of Plan
-
One-year renewable hospitalisation plan
Claims Process
For Death Claims
Submit the following to IGI Life:
-
Completed claimant’s statement (Download Form)
-
Completed physician’s statement (Download Form)
-
Original or attested Union Council death certificate
-
Copy of hospital death certificate
-
Original policy document
-
Complete medical treatment record of the deceased
-
Copies of CNICs of deceased and beneficiary
-
Attested copy of FIR or police report (in case of accident)
-
Attested copy of post-mortem report (in case of accident)
Additional requirements may apply depending on the case.
For Hospital Reimbursement
Provide the following documents:
-
Completed health insurance claim form signed by claimant and physician
-
Details of accident (if applicable)
-
Pharmacy bills with physician’s prescription
-
Official receipts for lab tests, X-rays, or other prescribed examinations
-
Physician’s statement specifying illness/accident details
-
Hospital bill and discharge summary
-
Attested copy of CNIC
Claims will be processed after receipt of documents. Additional information may be requested if required.
Panel Hospitals
[List of panel hospitals available separately.]
Disclaimer
This product is underwritten by IGI Life – Window Takaful Operations. Bank Alfalah Limited and its affiliates do not guarantee or insure this plan.