Jazz Bima Family Package

Terms and Conditions

• BIMA FAMILY POLICY
• Underwriters and Providers:
• Underwritten by: IGI General Insurance
• Delivered by: BIMA (registered as BIMA)
• Facilitated by: Jazz Telecom (not responsible for grievances)
• DEFINITIONS
• General Terms:
• ACCIDENT: Sudden, unexpected, unusual event at an identifiable time and place.
• ACCIDENT PROTECTION PLAN: Personal accident insurance coverage.
• BIMA SEHAT: Monthly hospitalization insurance policy with Tele-Health Services.
• IGI: Refers to IGI General Insurance Company Limited (the INSURER).
• APPLICANT: Individual applying for Accident Protection or BIMA SEHAT Plan.
• FUNDER: Jazz Customer paying the premium on behalf of another individual (Recipient).
• RECIPIENT: Applicant who does not pay the premium themselves.
• BENEFICIARY: Individual named in the application or designated substitute.
• INSURANCE BENEFIT(S): Amounts payable for indemnifiable claims, as detailed in the Schedule.
• BIMA Mobile: BIMA Mobile Pakistan.
• BODILY INJURY: Injury sustained during insurance period, caused by external, violent, and visible means.
• COMPANY: IGI General Insurance Company Limited.
• ELIGIBLE APPLICANT: Individual who meets the policy eligibility criteria.
• END USER PRICE: Amount charged, including premium, Jazz’s fees, and applicable taxes.
• HOSPITAL: Institution in Pakistan registered as a hospital with local authorities.
• HOSPITALISATION: Minimum one-night stay in a registered hospital.
• INSURANCE COVER: Amount paid by IGI to the Beneficiary or Insured Person.
• INSURANCE POLICY: Document detailing the terms and conditions of the insurance coverage.
• INSURANCE SERVICES: Services provided to Jazz customers and their recipients.
• INSURED PERSON: Jazz Telecom subscriber, Funder, or Recipient who opts to purchase the policy.
• MSISDN: Mobile Subscriber Integrated Services Digital Network Number.
• PERMANENT DISABLEMENT: Total or partial permanent disability as defined in the Table of Insurance Benefits.
• PREMIUM: Amount payable by Insured Member/Funder for the Insurance Policy.
• SUBSCRIBER: Customers who subscribe to the Insurance Services.
• JAZZ: Pakistan Mobile Communications Limited.
• JAZZ CUSTOMERS: Users of Jazz’s GSM mobile network.
• JAZZ SYSTEMS: Jazz’s GSM mobile cellular system.
• JAZZ PAYMENT TERMS: Payment terms as per Jazz’s website.
• EXCLUSIONS
• Personal Accidental Insurance does NOT cover:
• Suicide or attempted suicide (sane or insane).
• Kidnapping for ransom.
• Death/injury while under the influence of intoxicants, alcohol, or drugs.
• War, riots, civil unrest, and national emergencies.
• Man-made perils (chemical, nuclear, biological, radiological disasters).
• BIMA Sehat does NOT cover:
• Intentional self-inflicted injury or suicide attempts.
• Elective treatments, including cosmetic surgery.
• Pregnancy complications within the first nine (9) months of subscription.
• GENERAL PROVISIONS
• Eligibility & Enrolment:
• Eligible Applicants:
• Individual pre-paid/post-paid Jazz customers.
• Recipients from other networks (if Jazz subscriber opts as a dependent).
• Only one person per telecom connection is eligible.
• Must be 18 to 64 years old at the time of registration.
• Subscription Process:
• During registration, the Applicant must:
• Acknowledge they have read and understood the policy and Jazz Payment Terms.
• Confirm they meet eligibility criteria.
• Select their desired plan (Accident Protection or BIMA SEHAT).
• Authorize Jazz for daily deductions.
• Confirmation process:
• Applicant receives SMS or short code for confirmation.
• Can confirm via SMS, short code, or verbal consent on recorded line with MILVIK agent.
• Policy Restrictions:
• Incorrect age disclosure: No benefits will be paid if age information is misrepresented.
• False statements: Policy will be void if concealment or misrepresentation occurs.
• NOTICE OF CLAIMS
• Claims Notification:
• Must be reported within 270 days from the incident or first night of hospitalization.
• Required documents for claims processing:
• Hospitalization: CNIC + final hospital invoice or discharge report.
• Accidental Death: Legal death certificate + attending physician’s certificate + proof of identity.
• Permanent Disablement: Medical report with degree of disablement certified by a surgeon.
• Additional documents may be required at the insurer’s discretion.
• Claims Processing Timeline:
• Standard claims: Processed within 3 working days.
• Disputed/Fraudulent claims: May take up to 10 working days or longer if legally disputed.
• TERMINATION OF INDIVIDUAL INSURANCE
• Insurance terminates upon:
• Death of the Insured Person.
• Full payout of benefits.
• Cancellation or withdrawal of subscription.
• Non-payment of the premium
• Non-payment by the Funder (if applicable).
• PARTICIPATION PROCESS
• Phase 1:
• Customer provides:
• Name
• Age or CNIC number
• Beneficiary’s name & relationship
• Insurance Benefits selection
• Phase 2:
• Confirmation via:
• SMS short code.
• Verbal consent on recorded MILVIK call.
• DISPUTE RESOLUTION & ARBITRATION
• Disputes will be settled through:
• Arbitration (appointed arbitrator or panel).
• Insurance Ombudsman, Small Disputes Resolution Committee, or Insurance Tribunals (as per Insurance Ordinance, 2000).
• Claims must be referred within 12 months of dispute rejection, or they will be considered abandoned.
• COMPLIANCE WITH POLICY PROVISIONS
• Failure to comply with the policy provisions will invalidate claims.
• This structured format ensures clarity and easy reference for policyholders. Let me know if you need further modifications!