Zong Insurance Plans: Health, Mobile and Life Prices, Claim on 9362 and How to Stop
Every Zong insurance plan with its daily price and cover: health from Rs 3.60, mobile from Rs 4.50, life Rs 9.60. How to claim on 9362 and stop the deductions.
Zong sells health insurance from Rs 3.60 a day, mobile phone insurance from Rs 4.50 a day and life insurance at Rs 9.60 a day, all deducted from your balance, and you claim by calling 9362 or sending a WhatsApp message to 0311-9271928. Separately, a Waada phone plan on *5124# gives up to Rs 15,000 of cover, and some Zong monthly bundles include free phone insurance.
Small daily deductions are easy to miss, and claims have strict deadlines. Below are every Zong insurance product we found on zong.com.pk, the cover for each price, the claim deadline and documents, and how to stop the deductions. We read Zong's pages on 31 October 2026. Daily prices include tax.
Zong has three daily insurance products and one Waada phone plan
Zong's insurance products are health cover for hospital stays, mobile cover for screen damage and theft, and life cover with a doctor and lawyer helpline. Zong says the policies are underwritten by East West Insurance. The Waada phone plan is a separate partner product.
| Product | Price (incl. tax) | Cover |
|---|---|---|
| Health Insurance | Rs 3.60 to Rs 23.90 a day | Rs 2,500 to Rs 20,000 a night in hospital; double in ICU |
| Mobile Insurance | Rs 4.50, Rs 9 or Rs 13.50 a day | Rs 10,000, Rs 20,000 or Rs 30,000 |
| Life Insurance Bundle | Rs 9.60 a day, Rs 47.80 a week, Rs 179.30 a month | Rs 100,000 natural death, Rs 200,000 accidental death |
| Waada Mobile Insurance Plan | Spend Rs 50 a month | Up to Rs 15,000: Rs 5,000 screen, Rs 10,000 theft |
The health and life plans also include unlimited audio calls with PMDC certified doctors and with lawyers. Zong says daily plans can be offered as weekly or monthly plans, and family plans are available for health cover.
Health insurance pays a fixed amount for each night in hospital
Zong's health plan does not pay your hospital bill directly. It pays a fixed cash amount for each day you are admitted, and a higher amount for ICU or CCU days. The five price levels set the daily amount. You must be 18 to 59 to join.
| Daily price | Per hospital day | Per ICU or CCU day | Cost over 30 days |
|---|---|---|---|
| Rs 3.60 | Rs 2,500 | Rs 5,000 | Rs 108 |
| Rs 7.20 | Rs 5,000 | Rs 10,000 | Rs 216 |
| Rs 9 | Rs 7,500 | Rs 15,000 | Rs 270 |
| Rs 14.30 | Rs 10,000 | Rs 20,000 | Rs 429 |
| Rs 23.90 | Rs 20,000 | Rs 50,000 | Rs 717 |
The 30 day cost is our arithmetic. Cover starts after a 7 day waiting period. Pre-existing conditions are excluded. Zong's own page gives two claim deadlines, 30 days after discharge in one paragraph and 15 days in another. Claim within 15 days to be safe.
Mobile insurance covers screen damage and theft after 30 days
Zong's daily mobile insurance pays up to Rs 10,000, Rs 20,000 or Rs 30,000, settled on the market cost of repairing the same model's screen. A 30 day waiting period applies. You must report damage or theft within 15 days, or the claim is time-barred.
One exclusion is easy to trip over. Zong's page excludes cover where payments were made on fewer than 15 days in 2 months. If your balance is often empty and the daily charge fails, you may not be covered when you need it.
The Waada plan works differently. You spend Rs 50 and get a month of cover up to Rs 15,000. Subscribe on *5124#, at a retailer or through 310. Waada pays by cheque and does not give a replacement phone. Only PTA approved phones are covered, and for theft the IMEI must be blocked first.
Zong says some monthly bundles, including My3, My4, My5 and Monthly Pro Max Plus, include phone insurance at no extra cost. Its FAQ says up to Rs 100,000 per claim, while the Waada page says Rs 10,000 for theft under bundle insurance. Check the cover on your own bundle before you rely on it. The Zong My3, My4 and My5 bundles list those plans.
Claim on 9362 or WhatsApp, with these documents
For Zong's own health, mobile and life plans, call 9362 or send a WhatsApp message to 0311-9271928. For the Waada plan and bundle phone insurance, call Waada on 021-111-992-232. Keep your CNIC, Zong number and phone IMEI ready before you call.
- Report the event fast: within 15 days for phone damage or theft, within 15 days of discharge for health, within 100 days of a death.
- For theft, file an FIR and block the phone through PTA first. The steps to block a lost phone with PTA give you the block report.
- Call 9362 or WhatsApp 0311-9271928, or Waada on 021-111-992-232 for Waada and bundle cover.
- Send the documents they ask for: CNIC, number, IMEI, FIR or hospital papers, or a death certificate.
- Keep the claim number. Zong's terms say a disputed claim can take up to 10 more working days.
Waada says claims are generally settled within 72 hours of complete documents. Zong's bundle insurance FAQ says 15 working days. Health claim money goes to your bank or wallet account, according to Zong's health page.
Stop Zong insurance deductions by calling 9362 or dialling *5124#
Zong prints a stop code only for the Waada plan: dial *5124# or call 310. For the daily health, mobile and life plans, Zong's pages say cover ends when you cancel, but give no separate code, so call 9362 and ask for cancellation.
Ask for the cancellation to be confirmed by SMS, and check your balance the next day. If the deduction continues, complain to Zong on 310. If you never agreed to the plan, PTA's rules on services activated without consent let you ask for removal and a refund. The list of Zong unsubscribe codes covers other paid services.
Jazz users with a similar daily plan can compare with Jazz Bima Sehat, which works the same way through balance deductions.
Common questions
What is the Zong insurance helpline?
Call 9362 or WhatsApp 0311-9271928 for Zong's health, mobile and life plans. For Waada cover, call 021-111-992-232.
How much is Zong health insurance?
From Rs 3.60 a day for Rs 2,500 per hospital day up to Rs 23.90 a day for Rs 20,000 per hospital day.
How do I stop Zong mobile insurance?
For the Waada plan, dial *5124# or call 310. For Zong's daily mobile insurance, call 9362 and ask to cancel.
Is there a waiting period on Zong insurance?
Yes. Health cover starts after 7 days. Mobile screen cover has a 30 day waiting period.
Who underwrites Zong insurance?
Zong's health and life pages say its policies are underwritten by East West Insurance.
Does Zong give a new phone after theft?
No. Waada pays by cheque up to the insured amount and does not replace the phone.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 31 October 2026. We read Zong's health insurance details, mobile and life insurance product pages, the Waada mobile insurance plan and the mobile insurance FAQ on zong.com.pk on 31 October 2026. The 30 day costs are our arithmetic. We did not buy a plan or make a claim. We could not confirm a stop code for the daily health, mobile and life plans, or which of the two health claim deadlines Zong applies.
About the author
Technology Journalist & Multimedia Producer
Ahmad Ali is a technology journalist and multimedia producer at Pakistan Era, joining the team in October 2026. He covers consumer technology and digital life for Pakistani readers, combining research with hands-on product testing.
