If you misplace or damage your Health Card, you must report this to Individual Health Department immediately so that a duplicate Health Card can be issued after due verification.

Network Hospitals have been selected by our team of doctors after due evaluation of the available services, staff, and faculty doctors at these hospitals. Company has a credit arrangement with all its Network Hospitals.

In case of a hospitalization, Pre-authorization Form is the Company’s standard Form used to obtain Credit Facility at Network Hospital.

A Proposal Form is the basic enrollment form for the health coverage. It is also used to add additional dependents under the Policy.

Salaam Takaful limited products are economical, attractively customized, with distinctive features being offered at competitive contribution. With Sehat Salaamti you can ensure that in case of a medical emergency, we got you covered for your medical expenses.

The basic features of a Sehat Salaamti plan includes:

• Provides Cashless benefits through our preferred providers.
• Freelook period/waiting period of 15 days will be applicable on both products.
• For Pre-Existing Conditions relaxation in subsequent years continuity of coverage is mandatory. In case if the policy is discontinued, the next coverage will be considered as first year of coverage.
• Congenital Illness are excluded from coverage
• Pre-hospitalization expenses are capped at 5% of annual limit and post hospitalization expenses are capped at 10% of annual limit.
• 24/7 Medical hotline: (+92) 303-8228466
• Discount centres: avail enticing discounts at various labs, pharmacies and clinics
• A closely selected panel list of over 400+ exquisite well-known hospitals nationwide.

3 months old to 59 years of age.

The major exclusions of this policy are as under:

• Any maternity expenses
• Hepatitis B & C (Interferon and Oral treatment) is excluded from coverage.
• Congenital Illness are excluded from coverage.
• Policy will not be available for any preexisting conditions.
• Waiting period: will not cover any expenses occurring during the first 30 days of the inception of the policy.

Salaam Takaful plans offer you coverage for a year.

The main coverage for HealthCare hospitalization plans includes:

Hospitalization:

Surgical & Miscellaneous expenses/ In-Hospital Consultations/ Intensive Care Charges/ Surgical Fees/ Anaesthetist’s Fee/ Operation Theatre Charges/ Prescribed Medicines/ Diagnostic Investigations/ Blood & Oxygen Supplies/ Ventilator & Allied Services/ Day care procedures including Kidney Dialysis/ Chemotherapy & Radiotherapy for Cancer.

Pre-hospitalization Expenses:

Covering Consultations, Medicines and Laboratory tests preceding admission to the hospital.

Post-hospitalization Expenses:

Covering Consultations, Medicines and Laboratory tests after discharge from the hospital.

No. Life Insurance protects your family (or dependents) from financial loss that may arise in the event of your untimely death and/or permanent disability. The payout is made only post the death of the person covered or at the maturity of the policy. Health Insurance protects you against illness/diseases by covering the expenses you might incur (for treatment, diagnosis etc.) in case you are affected by disease or injury.

No, we do not require policyholder to undertake medical checkups.

Health coverage covers all diagnostic test like X- ray, MRI, blood tests etc. as long they are associated with the patients during stay in the hospital. Any diagnostic tests which have been prescribed in the OPD are generally not covered.

All we need to process your application is a copy of your CNIC.

• All pre- and post-natal expense related bills will be settled, once the main event (delivery) concludes, from the remaining limit balance according to mode of delivery.
• Only one annual limit will be allowed for one event (per pregnancy).
• In case if the client doesn’t opt for the maternity rider in 2nd year where the delivery happens, the pre-natal expenses occurred during 1st year will not be payable.
• In case if the client skips year(s) between opting for maternity rider (e.g. opted in 1st year, then skipped in 2nd year and opted again for 3rd year), it has to complete the 10 months waiting period once again to be eligible for maternity coverage.
• No expense related to baby (circumcision, nursing charges, wellness checkup, consultation, medicine, diagnostics, vaccination, incubator, ventilator etc.) will be payable from the maternity limits.

 Freelook period/waiting period of 15 days will be applicable on both products.
 For Pre-Existing Conditions relaxation in subsequent years continuity of coverage is mandatory. In case if the policy is discontinued, the next coverage will be considered as first year of coverage.
 Congenital Illness are excluded from coverage.
 Hepatitis B & C (Interferon and Oral treatment) is excluded from coverage.
 Pre-hospitalization expenses are capped at 5% of annual limit and post hospitalization expenses are capped at 10% of annual limit.

In case you need to be hospitalized, you can select any of the Network Hospitals to obtain quality medical care without having to pay out of your pocket.

You can avail the credit facility arranged by Salaam Takaful Limited through a simple Pre-authorization procedure and Salaam Takaful Limited will settle your bills directly to the hospitals, as per your entitlement. This relieves you from the financial distress and you can concentrate on the recovery process.

• Inpatient Treatment/ Hospitalisation Expenses
• Daily Room and Board Charges
• Intensive Care Unit (ICU) Charges
• Physician’s Visit (In-Patient) Charges
• Specialist Consultation (In-Patient) Charges
• Surgical Operation Charges
• Miscellaneous Hospital Expenses
• Day-care Surgery Charges
• Pre- Hospitalisation Expenses
• Post Hospitalisation Expenses
• Outpatient (Optional)
• Maternity (Optional
• Local Ambulance Cover
• Emergency Accidental Outpatient Cover
• Specialized Investigations

Any number of claims is allowed during the policy period. However, the sum covered is the maximum limit under the policy.

Yes, you can cancel the policy. If you cancel the policy within 15 days of issuance of the policy the you will be reimbursed. The Company will refund the Member pro-rata contribution on its sole discretion for the unexpired Policy Period subject to a maximum of 50% of the annual Contribution.