Silk Health Plan

Silk Health Plan is a comprehensive healthcare package that provides financial protection in case of an illness or accident that leads to hospitalization. The plan is underwritten by Allianz EFU.

With rising health care costs, sickness may not only lead to mental distress for the whole family but could also adversely affect finances for a long time to come. The implications become even more severe if the illness results in prolonged hospitalization.

For more information regarding Silkbank Health Plan, visit your nearest Silkbank Branch or call 111-100-333 where our Phone Bankers are ready to assist you round the clock.

Scope of Cover
Silk Health Plan is a simple, valuable and affordable plan that provides credit based hospitalization coverage to
you and your family members (including parents) in a network of carefully selected hospitals across the country.

What does Silk Health Plan Offer?
Silk Health Plan offers coverage in case of:

  • In-patient Hospitalization
  • Day Care Treatment
  • Specialized Investigation
  • Pre Hospitalization Benefit
  • Post Hospitalization Benefit
  • Miscellaneous Expenses

There are four levels of coverage to choose from:

Can I cover my Family Members?
You can include your children (above 90 days old), spouse (up to age 60) & parents (up to age 64) in your policy.
Each family member is entitled to an independent coverage at the same benefit level as the main applicant. Once
enrolled, the coverage can be continued up to the age of 65 years. The plan is for a 1 year term.

Is Pre-existing Medical Condition Covered?
Silk Health Plan offers coverage for treatment related to Pre-existing Medical Conditions after four (04) policy years.
This is one of the unique advantages of this product.

Are there any Exclusions?
Expenses arising from or related to Pre-existing Conditions (during the first 4 years), Pregnancy and Childbirth, Outpatient treatment, Congenital Birth Defects, War, Invasion, Civil unrest, Infertility, Cosmetic treatment, Routine
Medical Checkup etc. are not covered.

In-admissible Conditions
The policy is not available to people suffering from (pre-existing) Diabetes, Cancer or HIV/AIDS.

Network Hospitals
Allianz EFU has developed a network of over 140 carefully selected hospitals spread across the country. Some of
these include:
Aga Khan University Hospital, Liaquat National, Dr. Ziauddin Hospital Karachi, Ittefaq Trust, Fatima Memorial,
Shaukat Khanum in Lahore, Bilal Hospital Islamabad and many more in these and other major cities/towns like
Hyderabad, Sukkur, Quetta, Peshawar, Faisalabad & Multan. You can get a complete list of Network Hospitals from
our representative.

What are the advantages of a Network Hospital?
In case of hospitalization, you can select any of the Network Hospitals to obtain quality medical care without having
to pay out of your pocket. You can avail the credit facility arranged by Allianz EFU through a simple Pre-authorization
procedure and Allianz EFU will settle your bills directly to the hospital, as per you entitlement. This relieves you of financial distress and you can concentrate on the recovery process.

Premium
The premium depends upon your age and the plan type. An example of the age band and the applicable premium is given below for reference. However, the premium details applicable to you can be taken from our representative.

Why choose the Silk Health Plan?

  • 24 hours/52 weeks/365 days round the clock service
  • Accessible in all major hospitals across Pakistan
  • Also facilitates non-network hospitals (on re-imbursement only)
  • Real value for money
  • Health Card that entitles you to the Credit Facility at network hospitals only

Is there any No Claim Bonus?
The Silk Health Plan offers a No Claim Bonus in case there is No Claim for two (02) consecutive Policy Years. In addition, the Basic Annual Limit will be enhanced by 10% with effect from the following Policy Year, free of charge.

How do I buy the Silk Health Plan?
If you are a healthy adult Pakistani of up to 60 years of age, all you have to do is fill-in a simple application form (available at our branches) and credit the appropriate premium in Allianz EFU's account. No medical examination is
required.

For more information regarding the Silkbank Health Plan, visit your nearest Silkbank Branch or call 111-100-333 where
our Phone Bankers are ready to assist you round the clock.

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