Health Forever
		Life is all about being prepared

Life is all about being prepared. That’s why it is important to plan ahead for emergency medical costs, so that you stay prepared for any eventuality. Health Forever assures you of the best medical treatment, without having to bother about the cost of the treatment or compromise on its quality.
With Health Forever Citibank customers get protection against medical costs arising as a result of an accident or sickness and include life insurance as a built-in feature. Health Forever protects you against these costs for a small premium payment, so you can forget about what might happen tomorrow and start living today.

1. In-Hospital Income Benefit

A lump sum benefit of PKR 1,500 will be paid for each day an insured customer is hospitalized due to accidents or sickness. This money is paid in addition to any other insurance a customer might have and can be used to replace lost income, to assist with family expenses or to help pay for best possible medical care. Coverage starts from 16th day of enrollment under the Plan and the benefit is payable for a maximum of 30 days per admission.

2. ICU Benefit

An additional lump sum benefit of PKR 1,500 will be paid for each day an insured customer is confined to intensive care unit (ICU) of a hospital due to accidents or sickness. Coverage starts from 16th day of enrollment under the Plan) and the benefit is payable for a maximum of 30 days per admission.

3. Dread Diseases Benefit

If an insured customer is diagnosed, for the first time in his/ her life, with any of the following 7 diseases after at least 60 days of enrollment under the Plan, a lump sum of PKR 50,000 will be paid to him/ her:

• Malignant Cancer
• Stroke
• Heart Attack
• Coronary Artery Bypass Surgery
• Kidney Failure
• Major Organ Transplant
• Multiple Sclerosis

The benefit mentioned above is payable on diagnosis of any of these illnesses and is subject to a surviving period of at least 28 days from the date of diagnosis.

4. Accidental Medical Reimbursement

Reimbursement of medical expenses incurred as a result of accidental bodily injury, within 30 days from the date of accident. The payment covered includes payment to physician, surgeon, nurse, hospital for medical, surgical, X-ray, hospital, nursing, or daycare treatment including the cost of medical supplies, subject to an annual limit of PKR 150,000 and per incidence deductible of PKR 500. This includes treatment of injuries, fractures and lacerated wounds.

5. Death Benefit

A lump sum benefit PKR 100,000 is paid to the designated beneficiary.

6. Accidental Death Benefit

Incase the insured customer expires as a result of accident, a monthly income of PKR 10,000 is paid to the designated beneficiary for a guaranteed period of 10 years – total payout PKR 1,200,000.

7. Premium

All the above benefits can be availed for an annual premium of PKR 3,000. Your coverage will be automatically renewed on yearly basis & shall be terminated at will or when you reach the age of 60.