Group Medical Plans

IGI Life is a provider of innovative Medical plans and with our diverse product portfolio and decades of experience we can provide Group Medical benefits that will suit your company’s needs whether it’s a small business, a medium sized company or a multinational corporation. We aim to provide comprehensive cover and an efficient claims servicing that will be of value when your employees need it the most.

From IGI Life, you can have the Basic In Patient General Hospitalization Plan that offer the following types of benefits to your employees, their spouse and dependent children:

Daily Room & Board Charges
Nursing Care & Services
Intensive Care Benefits
Cost of Registered Ambulance Services to and from Hospital
Surgical Benefits
Doctor’s In-patient Visits
Diagnostic X-ray and Laboratory Expenses in the Hospital
Minor surgeries and day care
Selected pre & post hospitalization expenses
24/7 Medical Hotline
Country wide network of hospitals
Bills are settled directly with the participating hospitals – No claim processing required

The above mentioned major medical expenses coverage is intended to ease the burden of the large expenses that can arise from serious illnesses (both sickness and injury) of a non-occupational nature that may afflict an employee or his dependents.

To IGI Life’s basic In Patient General Hospitalization plan, employers can choose to add the following additional benefits:

Child Birth (C-Section or Normal Delivery)
Legal Abortion
Pre & Post Natal expenses
Dr Visit (General Practitioner, Specialist, Consultant)
Clinical Examination
Investigation services
Medicine & Treatment
Follow – Ups

ASO approach is ideal for medical claims or for benefits which are not covered by insurers, which can be self-insured and do not represent risk elements such as death/ disability

Under an ASO contract, IGI Life Insurance Pakistan will become the plan administrator to settle claims on behalf of Client.  Claims adjudication, claim analysis, and reconciliation require special skills. To handle these issues IGI Life Insurance has the required medical experts, technical expertise and a tried and tested computerized system. In addition, we are better able to negotiate economical rates from diagnostic laboratories, hospitals and consultants, which in result give you a direct cost advantage.

Last updated Thursday 18th April 2024