Introduction of Group Health Insurance Coverage
Alfalah Insurance offers a comprehensive Group Health Insurance Program designed to support organizations in safeguarding the health and well-being of their employees and their families. This solution enables companies to provide structured, reliable, and cost-effective medical coverage as part of their employee benefits.
The program is built with flexibility at its core, allowing organizations to customize coverage based on their workforce needs. It provides financial protection against unforeseen medical expenses while ensuring access to quality healthcare services through an established network and experienced medical support team.
Alfalah’s group health plans typically cover a wide range of medical services including hospitalization (IPD), outpatient treatment (OPD), surgical procedures, maternity benefits, and critical illness coverage, depending on the selected plan structure.
With a strong focus on service excellence, digital facilitation, and healthcare accessibility, Alfalah Insurance empowers organizations to enhance employee satisfaction, improve retention, and promote a healthier, more productive workforce.
Types of Coverage
Alfalah Insurance Company can help you by offering its health insurance products as mentioned here under to overcome health related unpredictable events of life.
Hospitalization (Mandatory Coverage)
Medical Expenses will be covered/ reimbursed as per policy terms & conditions incurred up to the specified limit as in the Table of Benefits on account of the following.
- ICU Charges (inclusive of meal charges wherever applicable)
- Operation Theatre Charges
- Surgeons/ Consultant’s fee
- Anesthetist fee
- Pharmacy/ Surgical Items
- Lab/X-rays investigations and general hospital’s services
- Cost incured before and after admission, in the hospital (as per policy)
Comprehensive inpatient benifits include:
- Day Care Surgeries
- Diagnostic Tests
- Dialysis, MRI, CT Scan, Endoscopy, Thallium Scan, Angiography
- Treatment of Fractures & Lacerated Wounds
- Local Road Ambulance (for Emergency only)
- Dental Treatment due to Accidental injuries
Additional Coverage from Hospitalization Limit
Maternity Benefits (Add-on Coverage)
Medical Expenses will be covered/ reimbursed as per policy terms & conditions incurred up to the specified limit as in the Table of Benefits on account of the following.
- Gynecologist’s fee
- Labor Room/Operation theatre charges
- Anesthetist fee
- Miscarriage, D&C
- Medicines or Drugs
- Diagnostic tests
- Baby’s Nursing Care
- Circumcision of baby boys
- Daily room/ward charges
Note: Daily Room Charges are inclusive in the Maternity Limit
Outpatient Benefits (Add on Coverage)
The OPD (Outpatient Department) Cover provides reimbursement/coverage for eligible outpatient medical expenses incurred without hospitalization, as per the terms and limits of the policy. (add this line after Outpatient Benefits and then mention the coverages) The sequence looks off this way.
- Consultation Fee paid to a Registered Medical Practitioner (General Practitioner / Specialist)
- Prescribed Medicines
- Prescribed Lab and Diagnostics Tests
- Prescribed physiotherapy
- Pre natal and post natal consultations and tests
- Dental Treatment (except cosmetics)
- Optical Treatment (except cosmetics)
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