Group Health
Group Health insurance policy is a comprehensive coverage design to cover local and international employees and people in Afghanistan and abroad.
Key Features:
- Medical expenses incurred during hospitalization for more than 24 hours, including room charges, doctor/surgeon’s fee, medicine bills, etc.
- Medical expenses incurred 30 days prior and 60 days post hospitalization
- Day-care expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, radiotherapy and chemotherapy)
- Pre-existing diseases, but after 2 years / 4 years of continuous coverage with the Company*
- Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age can be covered under the policy provided 1 adult is also covered under the same policy
- Additional Sum Insured: An Additional Sum Insured of 10% of Annual sum insured provided on each renewal for every claim free year up to a maximum of 50%. In case of a claim under the policy, the accumulated Additional Sum Insured will be reduced by 10% of the Annual Sum Insured in the following year
- Policy period: Option of choosing 1 or 2 year policy period under various plans offered
- Cashless Hospitalization: Avail cashless hospitalization at any of our network providers / hospitals. A list of these hospitals / providers is available on our website globalhealthaf.com
OPTIONAL ADD-ON COVERS:
OPTIONAL COVER 1
Free Health Check - up: The customer is entitled for a Free Health Check - up at designated centers. The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year for floater policies
Pre - Policy Medical Check - up: No medical tests will be required for insurance cover below the age of 46 years and Sum Insured up to 25,000 USD.
Free Look Period: Policy can be cancelled by giving written notice within 15 days of receiving the policy
Reset benefit: We will reset up to 100% of the Sum Insured once in a policy year in case the sum insured including accrued additional Sum Insured (if any) is insufficient as a result of previous claims in that policy year
Wellness Program: Wellness program intends to promote, incentivize and reward you for your healthy behavior through various wellness services.
Are all the major corporate hospitals on the network?
AGI has tie-ups with over 80+ leading hospitals across the country. This is to ensure best service and round-the-clock assistance for our policyholders. Being in the network, these hospitals come with the cashless hospitalization facility.
What is a Health Card and what are its benefits?
A health card contains the details of the health insurance policy and is issued with the policy. It also contains the contact details and numbers of third-party administrators (TPA), which you can contact during a medical emergency for assistance, queries or clarifications.
You can avail the benefit of cashless hospitalization at the cashless network hospitals for more information visit www.globalhealthaf.com on producing the health card.
Will my family members be covered for expenses on account of COVID-19?
Yes, provided that they are covered under AGI policy.
Will the policy cover expenses due to quarantine?
In case the quarantine is in a hospital on the advice of a Medical Practitioner, then the medical expenses incurred will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.
Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?
In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.
How do I switch to AGI health insurance when I have another ongoing insurance cover?
If you wish to switch your current insurance to any of AGI plans, you need to provide us your application, a duly filled Portability form and support them with complete documentation at least 45 days prior to the renewal date of your existing policy.
What if I undergo treatment for any illness overseas?
Unless covered under appropriate Extension/ option covers, AGI is liable to make any payment, under this Policy, for any illness that has been treated outside Afghanistan. Treatments taken outside the country can be covered under the Golden plan of AGI.
Will I get covered for my pre-existing illnesses?
Pre-existing illnesses/conditions will be covered immediately after 2 years of continuous coverage under the policy, if the policy is issued for the first time with AGI. But, we have separate schemes that can cover pre-existing illnesses with special conditions.
What parameters are considered for calculating the premium?
- Cover opted (Individual / Floater
- Age of senior most member
- Sum Insured selected
- Sub limit (if selected)
- Optional covers (add-ons chosen)
What do I do if my claim is rejected?
If your claim is rejected, you can ask the reason for such rejection. If you’re not convinced, you can contest the decision. A claim can be rejected for several reasons like an incomplete waiting period, incorrect information provided and delay in making a claim.
What is the process for claim?
The claim process involves 3 steps
• Claim Intimation
• Claim Processing
• Claim Payment/Closure
Call our experts +93 (0) 70 8733 333 (or send us email)