All eligible expenses up to specified limits incurred at IGI LIFE’s Network Hospitals will be settled directly. However in case of limit exhaustion, the amount in excess of the available limit has to be settled directly by the insured with the hospital.

For prompt settlement, all claims must be submitted to IGI LIFE within 60 days after being incurred. Any requirements requested by IGI LIFE must be submitted within 45 days from the date of the request made by IGI LIFE. At the time of treatment, you should settle the expenses yourself, but keep the original receipts and other documents as proof of payment. When treatment is complete, you should attach all receipts to the Claim Form and return it to the Plan Administrator.

IN-PATIENT

For inpatient visits, follow this procedure.

1. Make sure you visit a provider who is part of our network along with the  referral letter for admission;
2. Present your IGI LIFE Card along with any other Photo ID e.g. CNIC, Driving License, Passport, Student ID etc. at the time of admission.
3. Certain planned Hospitalizations or Day care procedures like MRI/CT scan, or heart scan tests require IGI LIFE prior notification and approval.  The medical provider will directly handle this with IGI LIFE.

IN-PATIENT

For inpatient visits, follow this procedure.

1. Itemized original hospital bill supported by the official hospital receipt for the total amount paid.
2. Official original receipt showing attending physician’s or surgeon’s charges along with the stamp and signature.
3. Detailed original hospital discharge report/ summary.
4. All original reports (lab, ECG, ultrasound, x-ray, echo, ETT, etc)
5. Prescription of medicines
6. Receipts of medicines