Jazz Bima Sehat Insurance: Rs 3 to Rs 17 a Day Plans, How to Claim and Stop Deductions
Jazz Bima Sehat charges Rs 3 to Rs 17 a day and pays up to Rs 15,000 a hospital night. See how to join, claim within 270 days, and stop the daily deductions.
Jazz Bima Sehat is a health insurance plan paid by daily deductions from your Jazz balance: Rs 3 a day for Silver, up to Rs 17 a day for Diamond. To join, call 042-111-119-878 or SMS "BIMA Sehat" to 9878. To stop the deductions, you must deregister with MILVIK, the agent that runs it, on the same number.
Bima is one of the most common reasons a Jazz balance shrinks by a few rupees every morning. Some people signed up on a call and forgot. Others want the cover and do not know how to claim it. Below are the four plans, what each pays for a night in hospital, how to claim, the cases it refuses, and the exact rule Jazz prints on stopping it.
Bima Sehat pays a fixed amount for each night in hospital
Bima Sehat pays a set sum for each night you spend in hospital, up to 30 nights a year, plus free doctor consultations by phone. The insurer is IGI General Insurance, and the service is run by MILVIK, also known as BIMA.
We read Jazz's Prepaid Bima Insurance page on 27 October 2026. Jazz lists these benefits:
- Unlimited doctor consultations by phone, 24 hours a day, on 042 111 11 9878.
- Appointments with specialists, including nutritionists, gynaecologists, paediatricians and mental health experts.
- Hospital cover of up to 30 nights in a year.
- Up to 10% off medicines delivered home, and up to 40% off lab tests with home sampling.
- Diet and workout plans, and health tips.
Jazz states plainly that it only facilitates the service. It "shall not be responsible for any grievance" about the insurance. Complaints about claims go to MILVIK and IGI, not to Jazz.
Four plans cost Rs 3 to Rs 17 a day
Silver costs Rs 3 a day and pays Rs 1,250 a night in hospital. Diamond costs Rs 17 a day and pays Rs 15,000 a night. The monthly price is split into 30 daily deductions from prepaid balance.
| Plan | Daily | Monthly | Paid per hospital night | Most in a year (30 nights) |
|---|---|---|---|---|
| Silver | Rs 3 | Rs 90 | Rs 1,250 | Rs 37,500 |
| Gold | Rs 5 | Rs 150 | Rs 3,000 | Rs 90,000 |
| Platinum | Rs 9.5 | Rs 285 | Rs 7,000 | Rs 210,000 |
| Diamond | Rs 17 | Rs 510 | Rs 15,000 | Rs 450,000 |
The yearly figures are our arithmetic: the nightly amount times Jazz's 30 night limit. They are the most the plan can pay, not what a typical stay costs.
Low balance changes the cover. Jazz says that if your balance is too low on a day, you are not charged that day, and you get a proportionately reduced benefit. So a month with ten missed deductions does not give full cover.
Join by phone or SMS, and wait for a call back
Call 042-111-119-878 or send "BIMA Sehat" to 9878. Jazz says the SMS is free. A MILVIK representative or an automated call then reaches you within 24 to 48 working hours from 042-33339878.
Before you agree on that call, ask which plan you are joining and write down the daily amount. Jazz's terms say only one plan's benefit is paid even if you subscribe to more than one, including on different Jazz numbers. Two plans means paying twice for the cover of one.
Bima also sells a separate personal accident policy on Jazz, with its own daily charge. Jazz's FAQ says that policy does not switch on Bima Sehat, and the two are charged separately. The accident policy is for people aged 18 to 64, one person per connection.
Claim within 270 days with your CNIC and discharge papers
SMS "CLAIM" to 9878 or call 042-111-119-878 within 270 days of the first night in hospital. You need your CNIC and the final hospital bill or discharge report showing the admission and discharge dates.
- Keep the final hospital invoice or discharge slip with both dates on it.
- Send "CLAIM" to 9878, or call 042-111-119-878.
- A MILVIK representative contacts you with the process.
- Submit your CNIC and the hospital papers as asked.
- Payment arrives by cheque or mobile money.
Jazz's page gives two timings for payment. Its benefits list says claims settle "within 72 working hours". Its FAQ says payment comes "within 3 to 10 working days after the submission of all documents". Plan on the longer one.
Jazz lists cases where no claim is paid: intentional self-inflicted injury or a suicide attempt, ignoring medical advice, elective treatment such as cosmetic surgery, and pregnancy or its complications in the first 12 months of the policy. If a claim is refused unfairly, the terms say the Insurance Ombudsman and other forums under the Insurance Ordinance 2000 come first. The route is set out in the Federal Insurance Ombudsman complaint.
Stopping it means calling MILVIK, not Jazz
Jazz's terms say that to stop daily deductions you must deregister your Bima Sehat plan by contacting MILVIK. Otherwise Jazz keeps deducting for as long as your prepaid balance is positive. Call 042-111-119-878 and ask to cancel.
That sentence is the whole problem in one line. The general Jazz unsubscribe codes stop most bundles, but Jazz names MILVIK as the place to end this one. When you call:
- Give the Jazz number that is being charged.
- Say clearly that you want to deregister from Bima Sehat, and from the accident policy if you have both.
- Ask for a reference number and the date the deductions stop.
- Check your balance history two days later.
To see whether Bima is the deduction you are worried about, trace it with the Jazz last 3 days usage code. For other daily services such as Auto Reply or My Status, the stop codes are in Jazz Auto Reply, VIP Call and My Status unsubscribe codes.
Common questions
How do I unsubscribe Jazz Bima?
Jazz's terms say you must deregister with MILVIK. Call 042-111-119-878 and ask to cancel Bima Sehat on your number.
How much does Jazz Bima cut daily?
Rs 3 for Silver, Rs 5 for Gold, Rs 9.5 for Platinum and Rs 17 for Diamond, according to Jazz's page.
How much does Bima Sehat pay for a hospital night?
From Rs 1,250 a night on Silver to Rs 15,000 a night on Diamond, for up to 30 nights a year.
What documents do I need for a Bima claim?
Your CNIC and the final hospital invoice or discharge report with admission and discharge dates.
How long do I have to claim?
No later than 270 days from the first night in hospital.
Who runs Jazz Bima?
IGI General Insurance underwrites it and MILVIK, also called BIMA, delivers it. Jazz only collects the charge.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 27 October 2026. We read Jazz's Prepaid Bima Insurance page in full, including the Bima Sehat plan table, the personal accident policy terms, the acknowledgement clause on deregistration and the FAQ. The yearly maximums are our arithmetic. We did not subscribe, claim or cancel, so the call centre's handling of a cancellation is not verified, and the two payment timings on Jazz's page conflict.
About the author
Global Affairs & Political Economy Writer
Muhammad Hatim is a book lover who started writing because he enjoys it. At Pakistan Era he writes about international relations, geopolitics and the global economy, with a particular interest in South Asia and the forces behind current events.
