 | What is Covered? |
 | Accidental Medical Coverage – RTA resulting in hospitalization at empaneled hospitals for fractures or head injuries, covering medical expenses up to PKR 500,000, as per the coverage document. (No Cash Payout). |
| Permanent Partial Disability (PPD) – Lump sum payout for partial permanent disability due to an accident (as per schedule). |
| Temporary Total Disability (TTD) – Monthly income for up to 12 months if an accident results in the inability to work (as per schedule). |
| Permanent Total Disability (PTD) – Lump sum payout for total permanent disability due to an accident (as per schedule). |
| Accidental Death – Lump sum payout in case of death due to an accident. View Coverage Schedule. |
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What is not Covered? |
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Pre-existing conditions, Mental/Psychiatric Disorders, Communicable Diseases (e.g., Epidemics/Pandemics). |
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Disability due to sickness, pregnancy, childbirth, or armed forces service. |
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Non-hospitalized medical expenses. |
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War, Riots, Strikes, Civil Commotion, Sabotage, Terrorism. |
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Natural Death, Suicide, Nuclear, Chemical & Biological Risks. |
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No cash reimbursements. |
 | Are there any Restrictions on Cover? |
 | Coverage Area: Pakistan only. |
| Coverage Discretion: IDC reserves the right to cancel the coverage anytime. |
| Non-Transferable: Cannot be assigned to another person/entity. |
| Coverage Start: 48 hours after patients are registered at IDC. |
| If test services from IDC are withdrawn by patient/cancelled, then this coverage gets void. |
 | Where Am I Covered? |
| ✓ | 400+ empaneled Private hospitals across Pakistan. |
 | What are my Obligations? |
| ✓ | Fill the required details and submit consent/ terms and conditions in My IDC App. |
 | When and how do I Pay? |
| ✓ | You DON’T need to pay, this coverage has been paid for you as a privileged patient by IDC. |
