General Insurance

General insurance plans protect you against losses arising from various non-life events. For example, damage, theft, fire, natural disasters, or other emergencies.

Health Insurance

Health insurance provides people with much needed financial backup at times of medical emergencies. Health risks and uncertainties are a part of life. One of the ways to be financially prepared against uncertain health risks is by buying health insurance. Health insurance provides coverage at the time of hospitalization in case of medical need. It can reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

In-Patient Hospitalization Expenses:

  • Daily room/ward as per entitlement
  • ICU/CCU Charger
  • General nursing services
  • Physician/Specialist/Surgeon Fee
  • Operation and Anesthetist Charges
  • Medicines and Laboratory tests
  • Oxygen and Blood supplies
  • Ventilators and allied services

Emergency Accidental Out-Patient Treatment

Out-patient treatment due to accidental emergency is covered within 24 hours of an accident up to sub limit mentioned in the Schedule of Benefit

Specialized Investigation

The policy also pays for important and expensive specialized tests during hospitalizations, such as MR1, CT Scan, and Thallium Scan

Emergency Ambulance Expense

This policy also pay emergency ambulance charges as mentioned in the Schedule of benefit from the place of accident to hospital

Cashless Hospitalization

Credit facility is available for the treatment in the network panel hospital. No cash payment is required.

Plans
Description of Benefits Plan A Plan B Plan C
Annual Hospitalization Limit-Per person PKR 400,000 PKR 300,000 PKR 200,000
Annual Premium Cost PKR 10,000 PKR 8,000 PKR 6,000
Benefits
Daily Room & Board Limit Plan A: PKR 10,000
Plan B: PKR 6,000
Plan C: PKR 3,000
Emergency Accidental out-patient treatment PKR 5,000 per emergency
Specialized Investigations And Day Care Procedure:

Day Care Surgeries, Dialysis, MRI, CT-Scan, Thallium Scan, Angiography, Cataract (including IOL) & Endoscopy. Treatment for fractures & Lacerated wound, emergency dental treatment due to accidental injuries (within 48 hours for pain relief only), Emergency Road Ambulance Services

Covered
Pre and Post Hospitalization Coverage:

Hospitalization Charges 30 days prior to hospitalization

Post Hospitalization Charges 30 days after discharge

Covered
Co-payment:

  • Inside Network Hospital
  • Out Side Network Hospital
  • No Co-payment
  • With 60:40 Co-payment.

(Reimbursed at 60% of the incurred cost as per nearest applicable network hospital)

For terms and conditions and further information please visit SC Mobile App

Travel Insurance

Getting the right travel insurance is one of the most important things to do before any travel. Travel insurance policies are designed to provide cover for many eventualities, including medical expenses, trips being cut short or cancelled, and loss or theft of possessions.

Benefit *
Schengen
 Complaint
 Multipurpose
Accidental Death & Permanent Disability  $                      15,000  $                      10,000
Medical Expenses & Hospitalization Abroad  $                      50,000  $                      10,000
Transport or Repatriation incase of illness & injury  $                      50,000  $                      15,000
Emergency Dental Care  $                            750  $                            500
Repatriation of family member traveling with the insured  $                        3,000  $                        1,500
Repatriation of mortal remains  $                        5,000  $                        5,000
Return of dependent children  $                        5,000  $                        5,000
Travel and stay over of one immediate family member  100/day for 10 days only  100/day for 10 days only
Emergency return home following death of close family member  $                        5,000  $                        5,000
Loss of passport  $                            250  $                            100
Trip cancellation  $                            500  $                            250
Delay Departure (8 hours)  $                            500  $                            250
Loss of checked-in baggage  $                            500  $                            250
Compensation for delay in the arrival of luggage  $                            250  $                            100
International Assistance for medical emergencies  Included  Included
Urgent emergency pharmaceutical expenses (non-pre-existing conditions)  Included  Included
Follow-up outpatient treatment for medical emergencies during trip*  Included (maximum up to 30 days after discharge)  Included (maximum up to 30 days after discharge)
For terms and conditions and additional information please visit SC Mobile App

Disclaimer

The contents of this webpage are for general information only and not not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration.

It has not been prepared for any particular person or class of persons and it has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase the product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

Call our Client Centre at 111 002 002 for any further questions or service queries. You are advised not to send any confidential and/or important information to the Bank via e-mail, as the Bank makes no representations or warranties as to the security or accuracy of any information transmitted. The Bank shall not be responsible for any loss or damage suffered by you arising from your decision to use e-mail to communicate with the Bank. It is essential that prior to taking into consideration any information on this site, you have read and understood this important Legal Notice.

This information attributable to Standard Chartered Bank (Pakistan) Limited having its registered office at PO Box 5556, I.I Chundrigar Road Karachi, which is a banking company registered with State Bank of Pakistan under Banking Companies Ordinance 1962.

Standard Chartered Bank (Pakistan) limited is only a ‘Distributer’ of these products and does not offer Takaful / Insurance advice, nor does it underwrite or issue Takaful / Insurance policies. Takaful / Insurance products are underwritten by third party Takaful / Insurance Operator. An early termination of the policy usually involves surrender charges as mentioned in the product documentation. In some instances of surrender, the returns you may receive could be less than the Contribution you have contributed or a potential loss in your principal amount. Standard Chartered Bank (Pakistan) Limited shall not be responsible for Takaful / Insurance Operator’s actions or decisions, nor shall be liable regarding payment of claims or services under the participant membership document or in any manner whatsoever regarding your application or the contract of Takaful / Insurance. This webpage is for general information only and it does not constitute an offer, recommendation and/or solicitation to enter into any transaction.

Disclaimer

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