Have Any Questions?
(92-21) 32415471-3
Have Any Questions?
(92-21) 32415471-3

Health Insurance

Adding The Care In your Life!

Now you can pay your health insurance premium in INSTALLMENTS…..

Buying a Medical Insurance plan has become easier. You can purchase it through Monthly Installment. CSI Introduces for the first time in Pakistan an Inpatient Hospitalization plan which is easy on your pocket, where you can pay your Health Insurance premium in easy monthly installments You no more need to cut down sum insured if it is tough to pay premium in one go.

Easy Monthly Installement
Fastest Claim Processing
Widest range of Hospitals
Policy Delivered a your Doorstep
Easy Processing of Policy
Cash on Delivery
Sehat Aasaan Android-App
Make payment at over 40,000 Outlets
Individual & Family Health Insurance
ELIGIBILITY

Any person aged from 90 days up to 75 years: Subject to plan selected.

HOSPITALIZATION CORE BENEFIT COVERS
Surgeon, Anesthetists Fee, OT Charges, Laprascopic Surgeries
ICU / CCU Charges
Investigations
Ventilator and Allied Services
Physician or Surgeons visits, Medicines
Blood and Oxygen supplies
Prescribed Medicines
Implant Charges / Room Charges
SPECIALIZED INVESTIGATIONS
MRI
CT Scan
Endoscopy
Angiography
Thallium Scan
Biopsy
PROMINENT FEATURES OF CSI SEHAT AASAAN
Individual Health Insurance plan for treatment in Pakistan only
Covers medical expenses incurred on Hospitalization
Specialized Investigations e.g. MRI, CT-Scan, Endoscopy, Thallium Scan, Biopsy and Angiography
Accidental outpatient expenses / Accidental emergency room treatment
Expenses incurred in prior to hospitalization up to 30 days
Expenses incurred post discharge from hospitalization up to 30 days
Day-Care Treatments
Covers all pre-existing diseases after 2 years of continuous coverage / without break
MATERNITY BENEFITS – OPTIONAL COVER

The following maternity benefits for hospitalization relating to pregnancy are covered up to a pre-determined annual limit if this option is taken:

Hospital room charges
Hospital service and supplies, Gynecologist Fee, OT, Anesthetist charges
Nursery care for the baby while the mother is confined

Note: This benefit can be availed 10 months after inception, and is effective from 1st day after renewal of policy without gap/lapsed and subject in case husband and wife both purchase the policy

The term maternity means:

Normal delivery / Forceps
Caesarean section
Multiple births
Ectopic / Extra-Uterine Pregnancy
Miscarriage
Pre-natal confinement
Post-natal medical expenses up to Rs. 5000/-, If delivery takes place at home
Circumcision of newly born baby boy up to Rs. 2000/-
IMPORTANT NOTES
Normal delivery / Forceps
Caesarean section
Multiple births
Ectopic / Extra-Uterine Pregnancy
Miscarriage
Pre-natal confinement
Post-natal medical expenses up to Rs. 5000/-, If delivery takes place at home
Circumcision of newly born baby boy up to Rs. 2000/-
The above rates are subject to change without prior notice
The above rate are exclusive of Govt. Taxes
The Family discount 10% is applicable to each additional policy's premium and not the overall premium
Pre-existing conditions will be covered after two years upon the timely renewal of policy / without gap
CSI would recommend you to obtain your premium payment receipt
Please submit a copy of CNIC of spouse and all adult members and NADRA B Form of the kids
The plan will be effective after 15 days of waiting period
In the event of hospitalization, the outstanding Installments are required to be paid
CLAIM PROCESS

In case of emergency hospitalization, you can use your Health Card at any network hospital throughout the country and avail cashless service without the need to undergo a pre-authorization process. In case of planed hospitalization / procedures you must inform CSI prior to admittance for pre-authorization. In case of treatment at a non-network hospital, If a panel hospital is not available in a particular city for reimbursement must be filled after discharge and send to our office with relevant supporting bills and receipts.

❌ WHAT CANNOT BE CLAIMED?
Expenses for treatment other than allopathic
Expenses, which are purely diagnostic in nature with no positive existence of any disease
Any birth defect or congenital diseases
Pre-existing condition / Illeness: Means any sickness, disease, injury, or any other symptoms related to it or even generating any complication / further ailment arising out of it; either availed or availing treatment with or without medical advice before the inception of the policy
Expenses prior and after the policy period
Expenses arising from HIV/AIDS
Maternity expenses not covered if maternity benefit not opted
Expenses for fertility, infertility, contraception or sterilization and any complication relating hereto
Optical and / or vision care
Cosmetic treatment
All dental treatment or oral surgery apart from emergency accidental dental treatment Self-inflicted injury, attempted suicide, abuse of alcohol or drug addiction and participation in hazardous sports
Injury or treatment arising or resulting from war, riots, strike, acts of terrorism, nuclear weapon induced treatment
Ionizing radiation or contamination by radioactivity from any nuclear fuel or waste, from the process of nuclear fission or from any nuclear weapons material
Pet scan
Preventive treatment, Vaccinations, Antiretroviral drugs, Dietary supplements, Vitamins and Hormone replacement therapy (If out-patient benefit is not provided)
Crescent Star Insurance Limited

SEHAT AASAAN PLANS

PLAN-A PLAN-B PLAN-C PLAN-D
Annual Limit (PKR.) 100,000/- 200,000/- 350,000/- 500,000/-
Sub-Limit for Accidental Treatment (Pre-Accident) 15,000/- 20,000/- 35,000/- 50,000/-
Pre & Post Hospitalization Expense Benefits 30 Days / Actual
ICU/CCU Actual
Daily Room & Board Limit 1,500/- G.Ward Semi Private Private
Coverage Of Specialized Investigations Actual
Maternity Benefits (Optional)
Normal Delivery 15,000/- 25,500/- 31,000/- 52,500/-
C-Section 23,000/- 38,000/- 46,000/- 80,000/-
D & C 5,500/- 8,000/- 15,000/- 26,000/-

Crescent Star Insurance Ltd.
is one of the best insurance Company available to save your family’s future

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