Pak-Qatar
Family Takaful Limited
Pak-Qatar is a Sharia complaint Takaful company. It was formed in
2006 and began operations in 2007. It is registered under the law of SECP
(security exchange commission of Pakistan) and it is the first takaful group
which starts both family and general takaful. Qatar Islamic Insurance Company
(QIIC), Qatar International Islamic Bank (QIIB) and FWU are the sponsors of
Pak-Qatar Family Takaful Limited. Takaful is an Islamic alternative of
insurance. Takaful means to mutual assistance, cooperate and brotherhood.
A
Prime Product
Group healthcare Takaful
Ø
This is a system of insurance or
takaful to make possibilities of health care.
Ø
This is a system of insurance or
takaful of health care expenses in case of unforeseen events.
Ø
It
covers your hospitalization due to any reason, major medical expenses,
maternity/childbirth as well as day to day medical needs
Group Health Product
Ø
This mainly a hospitalization scheme
with limited OPD (out-patient department).
Ø OPD is coverable within 30 days.
Ø OPD benefit will cover treatment and medical
expenses for problems that don't usually require hospitalization like cough,
fever etc
Hospitalization
Ø Doctor
asks a patient that you should admit in hospital as overnight stay.
Ø Daycare: patient admit for a surgery for half an hour to so on.
OPD
Ø A
simple visit to a consultant’s clinic.
Ø A
normal treatment from a clinic or hospital. Like doctor ask a patient to take
some tablets or a test of blood or scanning of body you will be fine, all
expense include in OPD.
Salient
Features of Group Health Product
1- Expenses
during hospitalization will be covered:
Ø
Daily Room Board charges
Ø
Physician’s Visits charges
Ø
Medicines charges
Ø
General nursing services charges
Ø
Gases charges(oxygen)
Ø
Theater charges
Ø
Surgeon’s fee
Ø
Ventilators
Ø
Cardiac care unit
Ø
Blood charges
Ø
Local Ambulance service charges
Ø
Specialized Visits ( Consultants)
Ø
Emergency Dental Treatment (due
accident only)
2- Emergency
treatments like:
Ø
Accidents
Ø
Heart attacks
Ø
Kidney problem
Ø
Gall stones
Ø
Foreign body
3- Specialized
Investigation
Ø
Gastoscopy
Ø
Endoscopies
Ø
Colonoscopy
Ø
Sigmoidoscopy
Ø
Endoscopy
Ø
Enteroscopy
Ø
MRI’s of all types of mussels,
joints
Ø
CT Scan’s of mind, backbone and is
mainly for to check the micro organs of body
Ø
Angiography
Ø
Thallium Scan
4- OPD
(out-patient department)
Ø
Consultants
Ø
Lab Investigations
Ø
Physiotherapy
Ø
Medicines
Ø Emergency treatment is only provided by the Pak-Qatar Family
Takaful Ltd.
What
is panel hospital?
Hospitals
which have agreement with Pak-Qatar Family Takaful Limited to serve the
participants of Pak-Qatar are known as panel hospitals.
How Health card
is used?
Following are
the main uses of health card:
Ø Health card is
mainly used in emergency like (Accidents, Heart attacks, Kidney problem, C Section operations, Gall
stones, and foreign body etc.). After treatment just shows the card to hospital
accountants or cashiers, they will not able to receive any cash from you if
your treatment expenses are fall in a given limit.
Ø For
non-emergencies patient should first contact the Pak-Qatar and show his details
to Pak-Qatar according to the health card with filling up a Pre-Authorization
form. Pak-Qatar issued a credit letter to the hospital for your treatment. It
is a pre assessment of expenses by the hospital. No any cash will be paid by
you.
Ø Pre-Authorization
form will be available at the reception counter or admission office of
the panel Hospital
Ø Non-Emergencies
Diseases are: Dengue fever, any skin problems, bone problems, old diseases
etc.).
Pak-Qatar
Emergency Contact Number
111825238
Benefits of Health Card
Following
are the main benefits of having Health Cards:
Ø
Financial support
Ø
Discounts in panel hospitals at just
showing the health card
Ø Maternity
benefits
This benefit pays all expenses related to the:
o Child birth
o Pregnancy
o For full 9
months
o Normal delivery
o C section
o Daily Room and
board charges
o Labor room
Charges
o All
investigations during hospital stay
o Blood and
oxygen supply
o Baby nursing
o Pre natal
o
Post natal only for 30 days
Ø
Relief from collecting bills
Ø
Mentally relaxation
Diseases which
are not covered
Ø Treatment of
Mental Illness, Psychiatric or Nervous disorders
Ø Self Inflicted
Injuries, Suicide, Abuse of Alcohol, drug addiction
Ø All cost
related to transplant from a donor to recipient
Ø Elective
Overseas treatment
Ø Experimental or
unproved treatment
Ø Outpatient
Services
Ø Injuries or
Hospitalization due to participation in dangerous sports like:
o Rock Climbing
o Mountaineering
o Pot Holing
o Skydiving
o Parachuting
o Parasailing
o Hang-Gliding
o Ballooning
o Underwater
Diving
o Racing Or
Participation In Professional Sports
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