Professional Documents
Culture Documents
Postpaid: Service will be launched for postpaid soon.
Prepaid: The monthly price is charged in **installments over 30 days
**Prepaid subscribers are eligible for Cover even if they are unable to pay the entire monthly price. For details please refer to the Terms & Conditions
**The monthly price is divided into 30 equal installments and is charged once per day until the entire month’s price is received. If your prepaid balance
is low and you may not be charged for that day. Proportionately reduced amount of insurance benefit will be provided even after one day deduction.
The detailed thresholds are mentioned below in the benefit tables.
How do I Claim:
SMS ‘CLAIM’ to 9878 or call 9878 within 90 days of the accident and a MILVIK representative will contact you with full information on how to process
your claim.
ACCIDENT means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
ACCIDENT PROTECTION PLANmeans one of the personal accident insurance covers under this Insurance Policy.
ALFALAH refers to the COMPANY, the INSURER, or Alfalah Insurance Company Limited.
APPLICANTmeans the individual who applies for an Accident Protection Plan under this Policy.
BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
INSURANCE BENEFIT(S) are amounts payable in the event of an idemnifiable claim and as detailed in the Schedule of Insurance Benefits
attached hereinafter.
BIMA refers to Milvik Mobile Pakistan.
BODILY INJURY means Bodily Injury which
o is sustained by the Insured Person during the period of insurance and;
o is caused by external, violent and visible means and;
o is solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered
necessary by such Bodily Injury, occasions the death or Disablement of the Insured Person within twelve calendar months from the
date of the Accident by which such Bodily Injury is caused.
TheCOMPANY is stated as Alfalah Insurance Company Limited.
ELIGIBLE APPLICANTmeans an Applicant who meets the eligibility criteria set forth in this Policy.
END USER PRICEmeans the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium, Jazz’s
Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.
HOSPITAL is defined as “Any institution in Pakistan that has been registered as a hospital with the local authorities and is under the
supervision of a registered and qualified medical doctor.”
INSURANCE COVERmeans the amount which shall be paid by Alfalah to the Beneficiary or the Insured as per the terms and conditions of the
Insurance Policy.
INSURANCE POLICYmeans this insurance policy setting out the terms and conditions on which insurance coverage is granted to a
Subscriber.
INSURANCE SERVICESshall mean the insurance services to be provided to Jazz Customers.
The INSURED or INSURED PERSON means any Jazz Telecom subscriber who opt to purchase policy
TheINSURER is stated as Alfalah Insurance Company Limited.
MSISDNshall mean Mobile Subscriber Integrated Services Digital Network Number.
PERMANENT DISABLEMENT means TOTAL OR PARTIAL PERMANENT DISABLEMENT as defined hereunder
o TOTAL AND PERMANENT DISBLEMENT means the Insured Member has established to the satisfaction of Insurer that the Insured
Member has been incapacitated by Injury to such an extent as to render the Insured Member unable ever to engage in or work for
reward in any occupation or work (on a temporary basis, part-time basis or full-time basis) which the Insured Member is capable of
performing by reason of his or her education, training or experience.
o PERMANENT PARTIAL DISABLEMENT means all those bodily injuries which result in reducing the insured person’s ability to work as
defined in the Table of Insurance Benefits.
PREMIUMmeans the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
SUBSCRIBERmeans those Jazz Customers who subscribe for the Insurance Services to get this Insurance Policy.
JAZZrefers to Pakistan Mobile Communications Limited, a company duly incorporated and registered under the Companies Ordinance 1984
of Pakistan, and having its registered office at 1-A, IBC Building, F-8 Markaz, Islamabad, Pakistan.
JAZZ CUSTOMERSshall mean the customers of Jazz using Jazz’s System.
JAZZ SYSTEMSmeans Jazz’s GSM mobile cellular system.
JAZZ PAYMENT TERMSmeans Jazz’s payment terms published at jazz.com.pk , as revised from time to time.
EXCLUSIONS
Payment of claims is subject to exclusions, as outlined below. The Personal Accident Insurance Cover shall not cover any Death or Permanent
Disability which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:
The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect
disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.
3. Intentional False Statements Of The Insured
In the event of any concealment or misrepresentation the Personal Accident Policy shall become null and void with respect to the relevant
Insured.
4. Notice Of Claims
the Company shall be notified of the occurrence of Death of the Insured or the Permanent Disablement of the Insured as soon as possible, but not
later than 180 (one hundred & eighty) days from the date of Death or occurrence of Permanent Disablement after which it shall be treated as
time-barred and the Company shall not be bound to pay the Claim.
(2) For each Claim reported, the Company shall obtain:
From the Claimant:
In case of Death:
A notice of death, which could be a legal death certificate, a certificate of attending physician, containing his registration number and mentioning
actual cause of death, and proof of the personal identity of the Insured, which could be the official personal identity data.
In case of Permanent Disablement:
Medical report containing the degree of Disablement certified by the surgeon.
In case of Permanent Disablement, unnatural or unusual death, Insurer may require any other document it reasonably deems necessary before
approving a claim under the Policy.
(3) The Company” shall process and pay genuine and approved claims on receipt of required documents from the Claimant within three (3)
working days.
(4) If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period
can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.
5. Termination Of Individual Insurance
The insurance of an Insured shall automatically terminate at the earliest time below:
On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or
billed after the occurrence of the accident is nonrefundable.
On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent
calendar month
The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident
Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
The Personal Accident Insurance Cover is extended to one (1) person per Jazz subscriber who is a successful Applicant for the Personal Accident
Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.
Amount of End User Price paid in Insurance cover in following calendar month (PKR)
calendar month (PKR)
43.80 200,000
42.34 193,333
40.88 186,667
39.42 180,000
37.96 173,333
36.50 166,667
35.04 160,000
33.58 153,333
32.12 146,667
30.66 140,000
29.20 133,333
27.74 126,667
26.28 120,000
24.82 113,333
23.36 106,667
21.90 100,000
20.44 93,333
18.98 86,667
17.52 80,000
16.06 73,333
14.60 66,667
13.14 60,000
11.68 53,333
10.22 46,667
8.76 40,000
7.30 33,333
5.84 26,667
4.38 20,000
2.92 13,333
1.46 6,667
0 Nil
Amount of End User Price paid in Insurance cover in following calendar month (PKR)
calendar month (PKR)
87.60 400,000
84.68 386,667
81.76 373,333
78.84 360,000
75.92 346,667
73 333,333
70.08 320,000
67.16 306,667
64.24 293,333
61.32 280,000
58.40 266,667
55.48 253,333
52.56 240,000
49.64 226,667
46.72 213,333
43.80 200,000
40.88 186,667
37.96 173,333
35.04 160,000
32.12 146,667
29.20 133,333
26.28 120,000
23.36 106,667
20.44 93,333
17.52 80,000
14.60 66,667
11.68 53,333
8.76 40,000
5.84 26,667
2.92 13,333
0 Nil.
Amount of End User Price paid in >Insurance cover in following calendar month (PKR)
calendar month (PKR)
218.70 1,000,000
211.41 966,667
204.12 933,333
196.83 900,000
189.54 866,667
182.25 833,333
174.96 800,000
167.67 766,667
160.38 733,333
153.09 700,000
145.80 666,667
138.51 633,333
131.22 600,000
123.93 566,667
116.64 533,333
109.35 500,000
102.06 466,667
94.77 433,333
87.48 400,000
80.19 366,667
72.90 333,333
65.61 300,000
58.32 266,667
51.03 233,333
43.74 200,000
36.45 166,667
29.16 133,333
21.87 100,000
14.58 66,667
7.29 33,333
0 Nil.
Amount of End User Price paid in Insurance cover in following calendar month (PKR)
calendar month (PKR)
437.10 2,000,000
422.53 1,933,333
407.96 1,866,667
393.39 1,800,000
378.82 1,733,333
364.25 1,666,667
349.68 1,600,000
335.11 1,533,333
320.54 1,466,667
305.97 1,400,000
291.40 1,333,333
276.83 1,266,667
262.26 1,200,000
247.69 1,133,333
233.12 1,066,667
218.55 1,000,000
203.98 933,333
189.41 866,667
174.84 800,000
160.27 733,333
145.70 666,667
131.13 600,000
116.56 533,333
101.99 466,667
87.42 400,000
72.85 333,333
58.28 266,667
43.71 200,000
29.14 133,333
14.57 66,667
0 Nil.
In addition to the Personal Accident Insurance Cover, the Insured is entitled to cover for each night spent in hospital (hospitalization) due to an
Accident. For each night spent in hospital, the Insured is eligible for the greater of (i) PKR 500, or (ii) 0.25% of the monthly sum insured,
according to the Insurance Cover level as described in the Insurance Benefits Section of the Policy Wording above. For example, if the
customer is deducted PKR 60+taxes and receives PKR 400,000 of monthly Personal Accident Insurance Cover, and the Insured is
hospitalized due to an accident for 2 nights but not permanently disabled, the Insured will receive PKR 2000 of cover. This additional cover is
paid out for a maximum of 30 nights in a given year. The Insured cannot claim both Personal Accident Insurance Cover and this additional
cover for the same incident.
This additional cover is subject to the same terms and conditions as the Personal Accident cover meaning for example that: no cover will be
provided if the Insured is not receiving any cover in the present month or if the Insured is ineligible because the Insured fails to meet the
criteria or is in hospital due to an exclusion or in hospital for any other reason other than an Accident.
Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)
Bima is the Insurance broker who has been authorized by Alfalah Insurance Company Limited to bind cover on behalf of Insurer within the
terms and conditions of thisInsurance Policy.To cease daily deductions, the Subscriber must deregister the Subscriber’s Accident Protection
Plan by contacting Bima. Otherwise, Jazz will continue making daily deductions for so long as the Subscriber’s prepaid account has a positive
credit balance.
In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) Accident Protection Plan under the Insurance Policy
(including through different Jazz mobile accounts):
o The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the Accident Protection Plans that the
Subscriber has subscribed to;
o Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two Accident Protection Plans that the
Subscriber subscribed to;
After becoming the Subscriber in the Insurance Service, Jazz Subscriber permits Jazz to share his details and information available with Jazz
and as sought by Alfalah Insurance and Bima or any other entity authorized by Alfalah Insurance in this regard, for inter alia processing of the
Policy, storing and processing data across countries, and more effectively providing the Insurance Service and payment of Insurance Cover;
Jazz Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Jazz responsible for any consequences of
sharing such information;
Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Jazz Services of the
Customer/Subscriber and termination of his Connection; and
While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other
number/short code or which are regarding award of any prize (whether money or in kind) in lieu of balance transfer or any call. Ignorance of
this clause by Jazz Customer/Subscriber shall not accrue any liabilities/responsibilities on Alfalah Insurance or Jazz including but not limited to
liability/responsibility towards any loss occurred to the Jazz Customer/Subscriber
Jazz, Alfalah, or Bima may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other
manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other
manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the
Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
Jazz, Bima, and Alfalah may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and
regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be
the acceptance with the End User Price to be charged to provide the Insurance Policy;
Alfalah, Jazz, and Bima have the complete authority to stop offering the Accident Protection Plan or Policy at any time at their discretion.
The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the
time of availing Jazz’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM
Jacket). However in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions
shall prevail to the extent of subject matter of these Terms and Conditions.
The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan
shall have jurisdiction in any dispute arising hereunder.
If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable,
such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
This policy has been especially created to provide protection for those Jazz Customers who successfully apply for that protection and who pay
the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
SMS to the Subscriber’s prepaid mobile service (from which daily deductions are made);If a notice is made by SMS, the notice is deemed to
be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed
notification placed on Jazz.com.pk or on the Insurer’s website at http://www.alfalahinsurance.com/ ; or on www.milvikpakistan.com
by publication in a major newspaper in the Islamic Republic of Pakistan.
https://www.jazz.com.pk/prepaid/bima-insurance/#1505218654470-0cdbab67-0cd4