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Waada has partnered with Ubank, bringing their exclusive range of innovative insurance and protection products to Ubank customers.

Overview

Waada presents a straightforward health plan designed to address the essential health needs of common Pakistanis. This comprehensive plan covers inpatient, intensive care, and accidental outpatient services, offering generous limits to eliminate the need for alternative health financing.

Comprehensive Coverage Plans

Our product is available in multiple packages to meet the diverse needs of our valued clients:
Product PlanAnnual Premium Per InsuredCoverage
Khushhali Tahafuz APKR 490
  • Daily Hospital Cash Benefit Rs. 3,000
  • Daily ICU Benefit Rs. 6,000

                    OR

  • Hospitalization reimbursement up to Rs. 90,000
Khushhali Tahafuz BPKR 990
  • Daily Hospital Cash Benefit Rs. 6,000
  • Daily ICU Benefit Rs. 12,000

                   OR

  • Hospitalization reimbursement up to Rs. 180,000
Khushhali Family Tahafuz C (Self, spouse & first four kids)PKR 2,990
  • Daily Hospital Cash Benefit

                Rs. 6,000 (Adult)

                Rs. 3,000 (Child)

 

  • Daily ICU Benefit

               12,000 (Adult)

               6,000 (Child)

                    OR

  • Hospitalization re-imbursement up to:

               Rs. 90,000 (each adult)

               45,000 (each Child)

  • C Section Rs. 50,000
  • 24/7 Doctor's Helpline: Call 021-111-992-232 and press 3.
  • Pharmacy Discounts: Call 021-111-992-232 to order and get discounts with free delivery.
  • Lab Discounts: Show Waada discount coupons at designated labs for discounts

The waiting period excludes coverage for hospitalization due to sickness within 15 days of enrollment & 06 months for C-Section in the family plan. Accidental hospitalization has no waiting period.

  • Claimant Statement signed by the Insured Person
  • Hospitalization record with admission and discharge dates, diagnosis, and treatment details
  • Physician’s Statement or Hospital Bills
  • Copy of Insured Person's CNIC
  • Any additional documents required by the company
  • Intentional self-inflicted injury, murder or suicide attempt;
  • Pregnancy and any complications arising from pregnancy during the first nine (9) months from the ENROLLMENT DATE;
  • Elective treatments or failure to follow medical advice
  • Pre-existing conditions are not covered
  • Consumption of narcotics, alcohol & poisoning

Start Your Journey

Subscription Guide

Visit nearest Ubank branch to enroll in the policy.

Cover Calculation

If the full subscription fee is not paid, your cover will be prorated using the formula:
[Total fees collected in one calendar month ÷ Full subscription fee] × Maximum Benefit

How Do You Claim?

To claim for any insured loss, notify us through: Please note: Claims must be notified within 90 days of the insured loss to avoid affecting claim approval.

How To Unsubscribe?

To unsubscribe, call Waada at 021-111-992-232

or use this link: waada.pk/cancel ( OTP verification required through registered mobile number)

Terms & Conditions

  • All subscriptions and benefits payable under these plans will be in Pakistani rupees. 
  • In order to have full coverage under your plan, the subscription amount must be paid in advance. 
  • Consent to sign application form or premium payment at bank shall be considered as a legally binding agreement to subscribe for the plan.
  • By enrolling in the plan, subscribers authorize Bank to share their details available to the parties providing these services under these plans.
  • The benefits offered under the plans will be governed by the terms and conditions contained in the group policy or policies issued by a registered insurance or a takaful company in Pakistan. The cover provided in the plans are underwritten by Habib Insurance Company Limited, also known as the underwriter. They are the ultimate party responsible to pay the claims.
  • The plan is developed by Waada Digital Pvt Limited who is providing distribution, technology and administrative services under this arrangement.
  • The term of the plans, including subscription amount is amendable and withdrawable by the supplier parties at any time. In such an event, the subscriber will be informed through an SMS, or any other manner as agreed between them.
  • SMS notifications for subscribed services and service renewal may be sent anytime for 24 hours.
  • Notice of claim under this plan must be given to Waada or the underwriter within 90 days of the claim occurrence.
  • Claims are settled within 48 to 72 hours of all required documents being submitted. Claims will be processed and directly sent to the policyholder’s e-wallet / bank account.
  • Waada reserves the right to terminate or cancel any subscription at its sole discretion, for any reason, at any time, with or without prior notice.
  • The policyholder can register their claim with Waada in four ways:
    1. Call UAN: 021-111-992-232 (111-9-WAADA)
    2. WhatsApp UAN
    3. Submit documents at nearest branch

Email: claims@waada.pk , customer.support@waada.pk

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