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Waada has partnered with Telenor, bringing their exclusive range of innovative insurance and protection products to Telenor customers. These premier offerings include:
USehat
UTahafuz
Life Insurance
USehat
USehat
Overview
Waada MicroEnsure partners with Ufone to provide USehat, offering financial security for hospitalization costs across Pakistan. Underwritten by Habib Insurance Company Limited, a leading insurance company in Pakistan.
Comprehensive Coverage Plans
Our product is available in multiple packages to meet the diverse needs of our valued clients:
| USehat | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|
| Daily Premium | 1.50 | 3.00 | 4.50 | 6.00 |
| Hospital / Per Night | 1,500 | 3,000 | 4,500 | 6,000 |
| ICU / Per Night | 3,000 | 6,000 | 9,000 | 12,000 |
| Hospitalization (On Reimbursement) | 45,000 | 90,000 | 135,000 | 180,000 |
Hospitalization is covered for up to 30 consecutive days per year. Hospitalization within 30 days of the last hospitalization for the same illness or reason is not covered.
- 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
- 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
The waiting period excludes coverage for hospitalization due to sickness within 15 days of enrollment. Accidental hospitalization has no waiting period.
- Hospitalization resulting from intentional self-inflicted injury, murder, or suicide attempt.
- Pregnancy-related hospitalization within nine (9) months from the enrollment date.
- Elective treatments or non-compliance with medical advice.
UTahafuz
UTahafuz
Overview
Waada MicroEnsure partners with Ufone to provide USehat, offering financial security for hospitalization costs across Pakistan. Underwritten by Habib Insurance Company Limited, a leading insurance company in Pakistan.
Comprehensive Coverage Plans
Our product is available in multiple packages to meet the diverse needs of our valued clients:
| Mohafiz | Silver | Gold | Diamond | Platinum |
|---|---|---|---|---|
| Daily Premium | 2 | 4 | 6 | 8 |
| Accidental Death | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Accidental Permanent Disability* | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Accidental Temporary Disability** | 125,000 | 250,000 | 350,000 | 500,000 |
| Accidental Medical Reimbursement | 25,000 | 50,000 | 75,000 | 100,000 |
*Permanent disability: Means accidental disabilities listed in FAQs & permanent in nature.
** Temporary disability: Accidental disability preventing occupational duties for at least 45 days.
*** Maximum benefit with a full month’s subscription fee payment.
- 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
- Death Certificate issued by authorized Government body (for death claims)
- Copy of Nominee’s CNIC
- FIR and Postmortem report (if applicable for Accidental Death)
- Claimant’s Statement
- Succession certificate/Heir certificate and Medical record confirming disability or dismemberment (for disability claims)
- Guardian-ship certificate (if beneficiary is a minor)
- Attending physician’s report and FIR (for death or disability due to accident)
- Death or disability resulting from intentional self-inflicted injury, murder, suicide, or illegal acts.
- War, strikes, riots, civil commotion, and any natural or man-made disasters leading to a declared state of emergency locally or nationally.
Life Insurance
Life Insurance
Overview
Waada MicroEnsure partners with Ufone to offer financial security for your loved ones during times of need with life insurance coverage for unfortunate events.
Comprehensive Coverage Plans
Our product is available in multiple packages to meet the diverse needs of our valued clients:
| Plans | Daily Premium (PKR) | Death Benefit (PKR) |
|---|---|---|
| Basic | 2.5 | 100,000 |
| Silver | 5 | 200,000 |
| Gold | 7.5 | 300,000 |
| Diamond | 10 | 400,000 |
Start Your Journey
Subscription Guide
It’s simple: A Waada representative will call you to explain the product features and help you register. Once activated, you’ll receive a confirmation SMS, and charges will begin on your registered Ufone mobile number.
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:
- Call Waada at 021-111-992-232.
- Email at claims@waada.pk.
- Submit required documents like FIR or Roznamcha and incident details.
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
- Available to all Ufone subscribers, upon payment of the prescribed subscription fee.
- Subscription fees must be paid for eligibility to avail protection plans.
- Developed by MicroEnsure Pakistan (Private) Limited, these products include distribution and administrative services.
- Insurance benefits under Personal Accidental plans are governed by terms in the group policy issued by registered insurance companies in Pakistan.
- Coverage is underwritten by Habib Insurance Company Limited, responsible for valid claim payments.
- Ufone facilitates the offer without distributing these products or guaranteeing the promised benefits.
- By subscribing, customers authorize Ufone to share their details with service providers; Ufone is not liable for any consequences.
- Subscription terms, including fees, may be amended or products withdrawn by suppliers, with subscribers notified accordingly.
- 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.