Protect your loved oneswith quality Health Takaful

Allianz EFU Health Insurance LimitedWindow Takaful Operations

If the unexpected happens, it’s good to be prepared.

Health care costs are rising everyday. If you or one of your family member falls sick itwill not only lead to mental distress for the whole family but could also adversely affectyour finances for a long time to come. The implications become even more severe if theillness results in prolonged hospitalization.

The average costs of some of the common treatment are:

Why Health Takaful?

How can I provide financial protection?Allianz EFU -Window Takaful’s Tahaffuz provides access to quality healthcare to you andyour family and that too on cashless basis.

Tahaffuz is a simple, valuable and affordable health takaful plan. It provides financialprotection, up to the selected benefit limit, in case an unfortunate illness or accident leadsto hospitalization.

What does Tahaffuz offer?Tahaffuz is designed to provide you access to a large network of carefully selected hospitalsacross the country for quality healthcare, on Credit Basis, in case of hospitalization.

Heart By Pass Up to 500,000Angioplasty Up to 450,000Cancer Up to 300,000

Studies have shown that every 2nd male and every 3rdfemale is at risk of developing cancer during his/ herlifetime.

Seasonal and epidemic Illnesses (Dengue, ViralHemorrhagic Fever etc.) are also on the rise.

1 out of every 9 adults could develop Chronic RenalFailure.

Room Entitlement & Annual Limits

Some of the salient benefits of the Plan include:

You have the choice to select between General, Semi Private or Private Rooms, along withcorresponding Annual Limits of PKR 100,000, PKR 200,000, PKR 350,000 andPKR 500,000 respectively.

The Policy pays for in-patient hospitalization expenses such as:

Room as per EntitlementGeneral Nursing services, etc.

ICU/CCU chargesPhysician/Specialist/Surgeon FeeOperation /Anesthetist ChargesMedicines and Lab TestsOxygen & Blood Supplies

Day Care Treatments are medical or surgical procedures for which the person is admittedto a hospital bed but does not require an overnight stay, such as Angiography, Endoscopiesetc.

Besides in-patient hospitalization, the Plan also covers certain DayCare procedures.

Day Care Treatment

Emergency Accidental Out-Patient treatmentOut-Patient treatment due to accidental emergency is covered within 48 hours of anaccident up to the sub limits defined under each plan.

The Policy also pays for Three (03) important and expensive out-patient tests even if nohospitalization follows. These tests are MRI, CT scan and Thallium scan.

Specialized Investigations

Out-patient expenses (Medicine, Consultation & Diagnostic Tests) are also covered if theylead to a covered in-patient hospitalization within 30 days.

Pre-Hospitalization Benefit

Out-patient expense (Medicine, Consultation & Diagnostic Tests) are also covered for upto 30 days following a covered in-patient hospitalization.

Post-Hospitalization Benefit

Local Ambulance CoverEmergency Evacuation CoverEmergency Dental Treatment (for Pain Relief)Emergency International Coverage

Besides the above, some of the other benefits of the Plan include:Miscellaneous Expenses

If you are a healthy adult Pakistani of up to 60 years of age all you have to do is just fillin a simple application form and deposit the appropriate contribution. No medicalexamination is required.

How do I Enroll?

You can include your spouse, children (above 90 days old) & parents (upto age 60 years),in your policy. Each family member is entitled to an independent coverage at the samebenefit level as the Main Applicant. You will also be entitled to the family discount inthis case.

Once enrolled, the coverage can be continued up to age of 65 years.

Can I cover my family members?

Yes! In case three or more family members are enrolled under the same policy, Tahaffuzoffers a 10% discount in contribution for 3rd and subsequent members. The two eldestmembers will however, be required to pay the full contribution.

No! Tahaffuz provides you Credit Facility at over 220 approved Hospitals in Pakistan.You do not have to pay for hospitalization as Allianz EFU -Window Takaful will arrangeto settle your bills directly to its Network Partners out of the waqf fund.

Allianz EFU -Window Takaful has developed a network of over 220 carefully selectedhospitals spread across the country.

Some of these include: Agha Khan University Hospital, Orthopaedic & Medical Institute(OMI), Liaquat National and Dr. Ziauddin Hospital in Karachi, Ittefaq Trust, FatimaMemorial, Shaukat Khanum in Lahore, Bilal Hospital and Shifa International in Islamabadand 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 or downloadit at the website www.allianzefu.com.

Yes! But, the treatment expenses will have to be initially borne by you. Allianz EFU -Window Takaful will reimburse these expenses on submission of the bills, subject to thereasonable & customary charges that would have been incurred at a comparable NetworkHospital for similar treatment. For this reason and also because Network Hospitals havebeen vetted for the delivery of quality care, we strongly recommend the use of a NetworkHospital.

Pre-existing Medical Conditions mean any sickness, disease or bodily injury or anysymptom linked to such sickness, disease or bodily injury for which medical advice ortreatment has been sought in the past. This includes such conditions which you or yourdependant(s) know about even if no medical advice or treatment or diagnosiswas sought or made before the Effective Date of this Takaful.

Are Pre-existing Conditions Covered?

In case you need to be hospitalized, you can select any of the Network Hospitals toobtain quality medical care without having to pay out of pocket.

You can avail the credit facility arranged by Allianz EFU -Window Takaful through a simplePre-authorization procedure and Allianz EFU -Window Takaful will settle your bills directlyto the hospital, as per your entitlement. This relieves you from possible financial strainand you can concentrate on the recovery process.

Expenses arising from or related to Pre-existing Conditions (during the first4 years), Pregnancy and Childbirth, Outpatient treatment, Congenital BirthDefects, War, Invasion, Civil unrest, Infertility, Cosmetic treatment, RoutineMedical Checkup etc are not covered.

Usually, Pre-existing conditions are not covered underthese types of takaful Plan. However, Tahaffuz willprovide coverage for treatment related to Pre-existingMedical Conditions after four (04) policy years.

Other Benefits24-Hours Medical Hotline:You have round the clock 24 hours access to our staff/doctors for help duringmedical emergencies.

Customer ServiceIn case you need any clarification or facilitation regarding your policy, our dedicatedcustomer relations staff will be pleased to assist you.

Integrated HealthCareAllianz EFU -Window Takaful offers you more than just financial protection. In theunfortunate event of hospitalization, our Integrated HealthCare concept ensuresthat you get the most appropriate treatment from the rightdoctor according to International Medical Guidelines.

Health CardYou will receive a Health Card with your policy thatwill contain important information about your policy.The Health Card will identify you as an Allianz EFU-Window Takaful covered members at ourNetwork Hospitals and entitles you to the Credit Facility.

Emergency International CoverageSubject to the availability of the Basic Annual Limit, the Policy also pays for expensesincurred on Emergency Treatment outside Pakistan, subject to certain terms andconditions.

No Claim BonusIn case there is NO Claim on any of the family members covered under the Policy for aperiod of two consecutive Policy Years, the Basic Annual Limit will be enhanced by 10%with effect from the following Policy Year, without any additional contribution. This increasein cover of your family’s health protection will help to keep pace with medical inflation.

In-admissible ConditionsThe policy is not available to people suffering from (pre-existing) Diabetes, Canceror HIV/AIDS.

Disclaimer:This booklet provides only an introduction of the benefits available under the policy. For exact termsand conditions, please refer to the Policy Document.

For Information:Allianz EFU Health Insurance LimitedWindow Takaful OperationsD-136 Block 4 KDA Scheme 5 Clifton KarachiPhone: 021-111 HEALTH (021-111 432 584)Call Centre: (021) 111-HELP-00 (021-111-4357-00)Email: Health@allianz-efu.comWeb: www.allianzefu.com

- The above rates are inclusive of Govt. Taxes- Rs. 535/= shall be charged as additional contribution to cover the Policy Admin Fee.- The above rates are subject to change without prior notice.

Note:

The Policy is available at very affordable rates. Effective March 2011, the following contributionrates are applicable.

Contribution Rates ( Rupees)

The following chart gives you the Benefit Limits:Benefit Limits

Description of Benefits Bronze Silver Gold Platinum

Room Entitlement General General Semi Private Private

Basic Annual Limit Rs.100,000 Rs.200,000 Rs.350,000 Rs.500,000

Intensive Care Unit Actual Actual Actual Actual

Pre/Post Hospitalization Investigations 30 days 30 days 30 days 30 days

Pre/Post Hospitalization Consultations 30 days 30 days 30 days 30 days

Pre/Post Hospitalization Medicines 30 days 30 days 30 days 30 days

Emergency Evacuation Sub Limit Rs.25,000 Rs.35,000 Rs.50,000 Rs.50,000

Emergency Accidental Out-Patient Rs.10,000 Rs.20,000 Rs.35,000 Rs.50,000

Age (Next Birthday) Bronze Silver Gold Platinum

90 days to 18 Years 3,450 5,405 7,590 8,855

19 to 29 years 4,370 6,555 8,510 10,350

30 to 34 years 5,520 7,820 10,005 12,535

35 to 39 years 6,325 9,775 13,340 15,985

40 to 44 years 7,475 12,305 16,330 18,975

45 to 49 years 8,625 14,030 18,400 21,505

50 to 54 years 9,890 15,870 20,125 23,805

55 to 59 years 12,190 18,170 21,965 27,485

60 to 64 years 14,375 19,550 23,345 30,475

*The maximum Life time Benefit is PKR.1,000,000

Sub Limit (With in 48 Hours)

About Allianz EFU -Window Takaful

Together, Allianz and EFU bring you over 180 years of experience to make quality healthcareaccessible and affordable.

Our credibility, reputation for quality, high standards of services and access to the world'sbest practices mean that together Allianz and EFU are uniquely placed to provide accessto quality healthcare throughout Pakistan.

Allianz Group is one of the largest composite insurance companies in the world.• "AA" claims paying rating from Standard & Poors.• Annual Revenue exceeding €106 Billion.• Assets Under Management in excess of € 1.5 Trillion.• Active presence in more than 70 countries.

EFU Group is the largest insurers in Pakistan covering both Life, Health andNon-Life risks.

• EFU Group's annual revenues is in excess of PKR 25 Billion.• Active presence in this region for over 75 years.

Allianz EFU is Pakistan's first specialized health insurance company. Our financial stabilityand experience in serving all of our clients' insurance needs form the basis of our customeroriented philosophy. Our structure and products are designed around our customers.

As Allianz EFU -Window Takaful continues to expand its customer base of over 250,000insured lives, we are dedicated to becoming the healthcare provider of choice. Personalizedservice, customer dedication and development of products that fulfill our customers'needs are just some of the few promises that we are making.

Allianz EFU Health Insurance LimitedWindow Takaful OperationsPakistan’s First Specialized Health Insurance Company

Head Office:D-136, Block-4, KDA Scheme-5, Clifton Karachi-75600Tel: (021) 111-HEALTH (021) (111-432584). Fax: (92-21) 3586-4020Call Centre: (021) 111-HELP-00 (021-111-4357-00)Email: health@allianz-efu.com www.allianzefu.com

Central Marketing & Sales Office: Office No. 103-104 Fayyaz CentreShahra-e-Faisal, SMCHS, Karachi-74400.Tel: (021) 3455-0995-8 Fax: (92-21) 34550974

Lahore Office: Office # 28A, 2nd Floor, I.T. Tower Hali Road, Gulberg-III, LahoreTel: (042) 111-HEALTH (042) (111-432584). Fax: (92-42) 35870651

Islamabad Office: Suite No. 103, 1st Floor, Muhammad Gulistan Khan House 82-East,Fazal-e-Haq Road, Blue Area, lslamabad-44000Tel: (051)111-HEALTH (051-111-432584). Fax: (92-51) 2802202

Disclaimer:This booklet provides only an introduction of the benefits available under the policy. Forexact terms and conditions, please refer to the Policy Document.

Rs.100,000Rs.200,000Rs.350,000Rs.500,000

Rs.25,000Rs.35,000Rs.50,000Rs.50,000Rs.10,000Rs.20,000Rs.35,000Rs.50,000

30 30 30 30

30 30 30 30

3,4504,3705,5206,3257,4758,6259,89012,19014,375

5,4056,5557,8209,77512,30514,03015,87018,17019,550

7,5908,510

10,00513,34016,33018,40020,12521,96523,345

8,85510,35012,53515,98518,97521,50523,80527,48530,475 60

30 30 30 30

1,000 ,000