Sehatmand
Overview
Comprehensive Coverage Plans
| Sehatmand | Nano | Basic | Deluxe | Premier |
|---|---|---|---|---|
| Daily Premium | 1.98 | 3.92 | 7.84 | 19.61 |
| Hospital / Per Night | 1,500 | 4,500 | 7,500 | 12,000 |
| ICU / Per Night | 3,000 | 9,000 | 15,000 | 24,000 |
| Hospitalization (On Reimbursement) | 45,000 | 135,000 | 225,000 | 360,000 |
Hospitalization is covered for up to 60 consecutive days per year. Hospitalization within 30 days of the last hospitalization for the same illness or reason is not covered.
- 24/7 Doctor’s Helpline: Call 021-111-992-232 and press 3.
- Pharmacy Discounts: Call 021-111-992-232 to order and get discounts with free delivery.
- Lab Discounts: Show Waada discount coupons at designated labs for discounts
- Claimant Statement signed by the Insured Person
- Hospitalization record with admission and discharge dates, diagnosis, and treatment details
- Physician’s Statement or Hospital Bills
- Copy of Insured Person’s CNIC
- Any additional documents required by the company
The waiting period excludes coverage for hospitalization due to sickness within 15 days of enrollment. Accidental hospitalization has no waiting period.
- Hospitalization resulting from intentional self-inflicted injury, murder, or suicide attempt.
- Pregnancy-related hospitalization within nine (9) months from the enrollment date.
- Elective treatments or non-compliance with medical advice.
Mohafiz
Overview
Comprehensive Coverage Plans
| Mohafiz | Nano | Basic | Deluxe | Premier |
|---|---|---|---|---|
| Daily Premium* | 1.7 | 4.26 | 8.51 | 17.03 |
| Accidental Death | 75,000 | 150,000 | 300,000 | 600,000 |
| Agricultural Accidental Death | 125,000 | 250,000 | 500,000 | 1,000,000 |
| Accidental Permanent Disability** | 75,000 | 150,000 | 300,000 | 600,000 |
| Accidental Temporary Disability*** | 37,500 | 75,000 | 150,000 | 300,000 |
| Accidental Medical Reimbursement | 25,000 | 25,000 | 75,000 | 100,000 |
*Daily Premium quoted excludes taxes; VAS taxes will apply.
**Permanent Disability refers to listed accidental disabilities that are permanent in nature (as per FAQs).
***Temporary disability refers to any accidental disability preventing the subscriber from fulfilling occupational duties for at least 45 days.
- 24/7 Doctor’s Helpline: Call 021-111-992-232 and press 3.
- Pharmacy Discounts: Call 021-111-992-232 to order and get discounts with free delivery.
Lab Discounts: Show Waada discount coupons at designated labs for discounts.
- Death Certificate issued by authorized Government body (for death claims)
- Copy of Nominee’s CNIC
- FIR and Postmortem report (if applicable for Accidental Death)
- Claimant’s Statement
- Succession certificate/Heir certificate and Medical record confirming disability or dismemberment (for disability claims)
- Guardian-ship certificate (if beneficiary is a minor)
- Attending physician’s report and FIR (for death or disability due to accident)
- Any other necessary document specified by the company
- Death or disability resulting from intentional self-inflicted injury, murder, suicide, or illegal acts.
- War, strikes, riots, civil commotion, and any natural or man-made disasters leading to a declared state of emergency locally or nationally.
Sehatmand Khandan
Overview
Comprehensive Coverage Plans
| Sehatmand Khandan | Nano | Basic |
|---|---|---|
| Weekly Premium | 30.00 | 60.00 |
| Hospital / Per Night (Adults) | 3,000 | 6,000 |
| Hospital / Per Night (Child) | 3,000 | 6,000 |
| ICU / Per Night | 6,000 | 12,000 |
| Hospitalization (On Reimbursement) | 45,000 | 90,000 |
Hospitalization is covered for up to 60 consecutive days per year. Hospitalization within 30 days of the last hospitalization for the same illness or reason is not covered.
- 24/7 Doctor’s Helpline: Call 021-111-992-232 and press 3.
- Pharmacy Discounts: Call 021-111-992-232 to order and get discounts with free delivery.
- Lab Discounts: Show Waada discount coupons at designated labs for discounts
- Claimant Statement signed by the Insured Person
- Hospitalization record with admission and discharge dates, diagnosis, and treatment details
- Physician’s Statement or Hospital Bills
- Copy of Insured Person’s CNIC
- Any additional documents required by the company
The waiting period excludes coverage for hospitalization due to sickness within 15 days of enrollment. Accidental hospitalization has no waiting period.
- Hospitalization resulting from intentional self-inflicted injury, murder, or suicide attempt.
- Pregnancy-related hospitalization within nine (9) months from the enrollment date.
- Elective treatments or non-compliance with medical advice.
Start Your Journey
Subscription Guide
It’s simple: A Waada representative will call you to explain the product features and help you register. Once activated, you’ll receive a confirmation SMS, and charges will begin on your registered Telenor mobile number.
Cover Calculation
If the full subscription fee is not paid, your cover will be prorated using the formula:
[Total fees collected in one calendar month ÷ Full subscription fee] × Maximum Benefit
How Do You Claim?
To claim for any insured loss, notify us through:
- Call or WhatsApp our helpline at 021-111-992-232.
- File a claim online at www.waada.pk/claims.
- Email us at claims@waada.pk.
Please note: Claims must be notified within 90 days of the insured loss to avoid affecting claim approval.
How To Unsubscribe?
To unsubscribe, call Waada at 021-111-992-232
or use this link: waada.pk/cancel ( OTP verification required through registered mobile number)
Terms & Conditions
This policy states that the company will pay the insured person or their beneficiary for incidents occurring during the
insurance period, subject to specified terms, conditions, and exceptions, excluding exclusions.
- Subscriptions automatically renew unless cancelled by the subscriber.
- Cover is calculated monthly based on the amount collected, issued at the start of the next month.
- Maximum Benefit available upon payment of full subscription fee.
- All subscriptions and benefits payable in Pakistani rupees.
- Maximum of sixty (60) nights of hospitalization benefit per policy year.
- Available to Telenor subscribers, male and female Pakistani nationals, upon payment of prescribed subscription fee.
- Insured spouse must be aged between eighteen (18) and seventy (70) years. Insured children must be single, economically dependent, and aged between one (1) and eighteen (18) years.
- Insurance benefits governed by terms and conditions in group policy/policies issued by registered insurance companies in Pakistan.
- Insurance cover underwritten by Habib Insurance Company Limited; responsible for payment of valid claims.
- Subscription implies consent to recurring service charges deducted from mobile balance and auto-renewal until unsubscribed.
- Waada reserves the right to terminate or cancel any subscription at its sole discretion, for any reason, at any time, with or without prior notice.