POLICY TERMS & CONDITIONS
Policy Number _______________
Whereas the person named in Application Form (hereinafter referred as “Insured”) by
a signed application and declaration which shall be the basis of this Policy and is
deemed to be incorporated herein has applied to EFU General Insurance Ltd.
(hereinafter called the “Insurance Company”) for the insurance hereinafter contained
and has paid the premium for such insurance in respect of incidents covered by this
Policy while occurring during the Period of Insurance and outside the Insured’s Usual
Country of Residence as stated in the Policy.
The Insurance Company hereby agrees to indemnify the Insured subject to the terms,
conditions, provisions, limitations and exclusions of this Policy against any loss
resulting from the incidents covered by this Policy while the Insured is traveling abroad
including his/ her stay outside his/ her Usual Country of Residence and upto the extent
of the limit stated in the Insurance Certificate.
This Policy takes effect on the date stated in Application Form and Insurance
Certificate and expires on the same date as stated therein.
This Policy shall cease immediately upon return of the Insured to his or her Usual
Country of Residence or upon expiry of the Period of Insurance, whichever shall occur
first. However, where the Period of Insurance is 92 days or more, the coverage shall
cease immediately the moment Insured’s stay away his or her Usual Country of
Residence at any one trip or destination exceeds 62 or 92 consecutive days (as per
the selected Tenure and Maximum Stay).
In the event of an emergency leading to a claim the Insured should immediately
contact EFU’s Assistance Service Provider for prompt assistance and claim
processing. For convenience of the Insured, following contact details of the Insurance
Company’s Assistance Service Provider have been incorporated herein.
24/7 NON-STOP ASSISTANCE THROUGH GULF ASSIST
Helpline Number of Ireland: +353 915 60621
Helpline Number of Bahrain (1): +973 172 18899
Helpline Number of Bahrain (2): +973 172 16833
Helpline Number of Germany: +490 180 5115610
Fax Number of Bahrain (1): +973 172 12700
Fax Number of Bahrain (2): +973 172 15177
Postal Address: GULF ASSIST B.S.C.(C.). Manama Center, Entrance 4, 1 st Floor,
P.O. Box 2790, Manama, Kingdom of Bahrain
Email Address: operations@gulfassist.com
WHAT THE INSURED SHOULD DO TO REGISTER THE CLAIM:
You are requested to contact EFU’s Assistance Service Provider on the contact details
as mentioned above and provide following basis information.
 Complete Name of the Insured as stated in the Application Form and
Insurance Certificate
 Passport Number of the Insured
 Brief information about the incident suffered for which assistance is
required
 Place of Stay alongwith the contact number, email ID and postal address
Insured is requested extent your full cooperation and support to EFU’s Assistance
Service Provider in providing all the information required for processing the claim. You
can also contact us through travelcare@efuinsurance.com
DEFINITIONS:
“Application Form” means: The electronic form on the website of EFU General
Insurance Ltd. which has been completed by the Insured by providing all the
information required to avail the benefits of this Insurance. Application Form also
means the form through which all the required information has been provided by the
Insured to the authorized representative of EFU General Insurance Ltd. in order to
avail the benefits of this Insurance.
“Beneficiary” means: The legal heirs of the Insured being such person or persons to
whom the Insured has legally documented the right to receive the benefit of this
Insurance under Insuring Agreement 1 in case of the accidental death of the Insured,
provided always that such person or persons are required to furnish to the Insurance
Company all the relevant proofs and documents confirming the legal heirship of that
person or persons.
“Family” means: Husband, Wife and Four Children upto the age of eighteen (18)
“Geographical Coverage” means:
Coverage outside the Usual Country of Residence and in those countries as
mentioned in the Application Form. Geographical coverage also means:
a) Worldwide cover except Usual Country of Residence, USA, Canada,
Australia and,
b) Worldwide cover except the Usual Country of Residence
“Group Discount” means: Discount in the premium, which the Insurance Company
shall advise to the Insured, due to the group size of 25 persons and more travelling
together on the same trip and date.
Page 1 of 4
“Illness” means: Any change in health diagnosed and confirmed by a legally
recognized doctor during the Period of Insurance and which is not comprised in either
of the two groups below:
- Congenital Disease: the disease that exists at the moment of birth as a
consequence of hereditary factors or complaints acquired during
pregnancy even it was not diagnosed or known to the Insured.
- Pre-existing Disease: the disease that the Insured suffered prior to the
date of taking out this Insurance even if it was not diagnosed or known to
the Insured.
“Immediate Family Member of the Insured” means: Spouse, parents and
dependent children (up to the age of 18 years).
“Injury” means: A medical problem caused by a sudden and severe external reasons
beyond the control of Insured, within during the Period of Insurance.
“Insured” means: The person whose name is specified in the Application Form and
the Insurance Certificate issued by the Insurance Company to such person as the
Policy holder and recipient of the benefits of this Policy.
“Insurance Company” means: EFU General Insurance Ltd.
“Insured Trip” means: A trip undertaken by the Insured outside his/ her Usual
Country of Residence. A Insured Trip commences when the Insured starts the direct
journey from home to the exist point of his Usual Country of Residence and ceases
when the Insured first returns home. The maximum duration of any one Insured Trip
must not exceed 62 or 92 days (according to the selected Tenure and Maximum Stay).
“Maximum Insured Age” means: Upto 85 years. Following schedule of overage
premium loading shall apply on the premium amounts exclusive of currently applicable
govt. taxes and levies.
For ages ranging from:
66 to 75 50% Premium Increase
76 to 80 75% Premium Increase
81 to 85 100% Premium Increase
“Period of Insurance” means: The trip commencement and end dates as mentioned
in the Application Form and the Insurance Certificate upto the maximum of 62 or 92
consecutive days abroad per trip whether multi or single trip.
“Serious Illness” means: A change in health that requires admission to the hospital
and which in the opinion of Insurance Company and Assistance Service Provider's
Medical Team involves risk of death.
“Serious Injury” means: An injury which in the opinion of the Insurance Company
and Assistance Service Provider's Medical Team involves risk of death.
“Usual Country of Residence” means: The country where the policy has been
issued by the Insurance Company & being the home or permanent residence of the
Insured i.e. Pakistan.
INSURING AGREEMENT:
The Assistance Service Provider on behalf of the Insurance Company shall
immediately provide to the Insured all material assistance as stated in the INSURING
AGREEMENTS below, consequent upon an unforeseen event happening during the
course of a journey outside the Usual Country of Residence with the maximum stay of
62 or 92 consecutive days (as per the selected tenure and maximum stay). The
immediate assistance and the benefits as set out in this Policy shall only become
effective if the event does not occur outside the geographical limits as stated in the
Application Form and the Insurance Certificate as well as the event does not occur
outside the Period of Insurance and Policy coverage as stated therein. This Policy shall
immediately become effective as soon as the Insured commences his Insured Trip and
enters in the Geographical Limits as mentioned in the Application Form and the
Insurance Certificate. This Policy shall immediately cease as soon as the Insured
leaves the Geographical Limits as stated therein.
INSURING AGREEMENT 1: PERSONAL ACCIDENT INSURANCE (ACCIDENTAL
DEATH COMMON CARRIER)
This Insuring Agreement covers the Accidental Death of the Insured due to an accident
to the recognized/ authorized means of transport in which the Insured is traveling as a
fare paying passenger whether on land or on sea including getting onto and alighting
from such means of transport during the direct route from the departure or arrival point
(home address or hotel abroad) to the travel terminal (station, airport or seaport).
The Insurance Company agrees to compensate the Insured’s legal heirs upto the limit
insured by this Policy.
In case of Family is insured then the coverage of break-up is as follows: Husband shall
be covered upto 100% of the limit insured, Wife upto 50% of the limit insured and
children upto 25% of the limit insured but in no case the Insurance Company’s liability
shall exceed the sum insured by this Policy.
The payment in respect of this benefit shall be in Pak Rupees and in Pakistan upon
furnishing of satisfactory proofs i.e.
1. Death Certificate of the Insured
2. Medical Certificate Medical Certificate of the Insured identify the cause of
loss and complete diagnosis of the Insured
3. Legal Heirship Certificate
4. Postmortem report if required
 POLICY TERMS & CONDITIONS
5. Copy of CNIC of the deceased
6. Copy of CNIC of deceased’s legal heir
7. A copy of letter/ intimation sent to the relevant authority i.e. FIR (if
applicable).
The above list is not exhaustive and the Insurance Company may ask for additional
information in order to assess the claim.
EXCLUSIONS APPLICABLE TO INSURING AGREEMENT 1: PERSONAL
ACCIDENT INSURANCE (COMMON CARRIER):
This Insuring Agreement shall not cover the losses arising out of and in anyways
related to:
a. Death due to or resulting from internal self-injury, suicide or attempted
suicide (whether felonious or not) and murder, dog bite and snake bite.
b. Death due to or resulting from happening of intoxication, insanity, fighting
or unlawful act on part of the Insured or surgical or medical treatment.
c. Death sustained by the Insured whilst flying either as fare paying
passenger or non fare paying passenger in an aircraft/aero-plane and
while the Insured is in flight.
d. Death directly or indirectly, due to or resulting from war, invasion, act of
foreign enemy, hostility (whether war be declared or not), civil war,
rebellion, insurrection, revolution, military or usurped power, riot, strike,
civil commotion, sabotage, terrorism and interrelated acts.
e. Death resulting from services on duty with armed forces.
f. Death due to the involvement in various sports such as Football, Polo,
Motorcycling, Hunting, Steeple-chasing, mountaineering (involving use of
ropes or guides) racing of any kind, winter sports and hang-gliding or any
other kind of sports.
INSURING AGREEMENT 2: EMERGENCY MEDICAL EXPENSES FOR SICKNESS
AND HOSPITALIZATION ABROAD:
In the event of illness or injury of the Insured occurring outside the Usual Country of
Residence, the Assistance Service Provider on behalf of the Insurance Company will
meet the usual, customary, necessary and reasonable costs of hospitalization, surgery,
medical fees and pharmaceutical products as prescribed by the attending doctor. An
excess/deductible of USD$ 50 per person, each and every claim shall apply.
The Assistance Service Provider’s medical team will maintain the telephone contacts
necessary with the medical center and with the doctors attending to the Insured to
supervise the provision of proper health care.
Any miscellaneous service required by the Insured and not covered through this policy
shall remain at insured's own expense and responsibility. This Insuring Clause does
not cover any pre-existing conditions which existed prior to taking out this Insurance
whether these conditions were not diagnosed and known to the Insured earlier.
In no case the liability of the Insurance Company and the Assistance Service Provider
shall exceed the sum insured by this Policy.
INSURING AGREEMENT 3: LOSS OF CREDIT CARD:
If during a trip abroad, the Insured is deprived of cash due to loss of credit card, the
Assistance Service Provider will advance funds to the Insured upto the limit covered by
this Policy.
The Insured will be required to repay any sum advanced within 45 days.
The valid counter guarantee or deposit prior to any such fund advanced shall be
required.
INSURING AGREEMENT 4: EMERGENCY DENTAL CARE:
If necessary the Assistance Service Provider will provide the Insured with the
emergency dental assistance required abroad upto the limit insured by this Policy. The
coverage is subject to an excess/ deductible of $60 per person and each and every
claim.
This coverage is restricted to the treatment of pain, infection and removal of the
tooth affected.
INSURING AGREEMENT 5: LOSS OF BAGGAGE:
The coverage under this Insuring Agreement for the baggage and personal
possessions belonging to the Insured shall be provided to the Insured according to the
conditions set out below:
In all cases, the original certificate of the carrier or complaint, reporting the occurrence
of the loss/accident must be furnished.
5A: COMPENSATION FOR INFLIGHT CHECKED IN BAGGAGE:
The Assistance Service Provider will supplement the compensation for which the
carrier is also liable, up to a limit insured by this Policy, as sum of both compensation
payments, for the collection of baggage and possessions checked-in by the Insured, in
the event of loss during the carriage by air, performed by the carrier company, for the
purpose of which the Insured shall furnish a list of the contents including the estimated
price and date of purchase of each item, as well as the settlement of the compensation
payment by the carrier. Compensation payment for loss will be calculated according to
the procedures recommended by international carriage by air organizations.
The minimum period of time that must elapse for the baggage to be considered to have
been lost once and for all will be that stipulated by the carrier company, with a
minimum of 21 days.
Page 2 of 4
Policy Number _______________
Money, jewelry, debit and credit cards, and any type of documents are excluded
from this insuring Agreement.
5B) LOCATION AND FORWARDING OF BAGGAGE AND PERSONAL EFFECTS:
The Assistance Service Provider will furnish the Insured with advice on reporting the
robbery or loss of Insured’s baggage and personal possessions, and will collaborate in
arrangements for locating them.
In the event that the aforesaid possessions should be recovered, the Assistance
Service Provider will take charge of forwarding them to the place of the trip planned by
the Insured or to insured's Usual Country of Residence.
In this event, the Insured is under an obligation to return to the Assistance
Service Provider the compensation received for the loss in accordance with this
Policy.
EXCLUSIONS APPLICABLE TO INSURING AGREEMENT 5: LOSS OF
BAGGAGE:
The Insurance Company and the Assistance Service Provider shall not be liable for:
a. Breakage of glass or china unless caused by an accident to the conveyance in
which the Insured is traveling.
b. Loss or damage caused by moth, vermin, electrical or mechanical breakdown,
machinery breakdown, gradual deterioration or wear and tear (this does not apply to
the loss of or damage to any item resulting from wear and tear (this does not apply
to the loss of or damage to any item resulting from the wear and tear to a clasp,
setting or other fastening carrier or container).
c. Loss of cash, bank or currency notes, cheques, postal orders, credit cards, charge
cards, travel cards, bankers card, traveler checks, travel tickets, driving licenses,
green cards and petrol or other coupons.
d. Claims resulting from confiscation, requisition, detention, destruction, damage by
customs authorities or other such officials.
e. Losses which are not reported to the Police or appropriate authorities within 24
hours of discovery or as soon as is reasonably practicable, and a Police / Property
Irregularity report obtained.
f. Breakage of sports equipment whilst in use or loss of or damage to pedal cycles or
hired equipment.
g. Loss of or damage to contact, corneal or micro-corneal lenses.
INSURING AGREEMENT 6: DELAYED DEPARTURE:
In the event that the transport services on which the Insured has previously booked to
travel are delayed by at least 8 hours due to any of the perils listed in the Insuring
Agreement 7i.e. Trip Cancellation, the Assistance Service Provider on behalf of the
Insurance Company will indemnify the Insured as follows:
In respect of the outward journey during the Trip:
 The cost of the additional expenses (transport and hotel accommodation,
as well as maintenance incurred as result of the delay).
 Such payment will be made on presentation of the relevant proofs and
original invoices and the compensation shall be paid upto the insured
limit, as covered by this Policy, in the event of delay of more than 8
hours.
CONDITIONS AND LIMITATIONS APPLICABLE TO INSURING AGREEMENT 6:
DELAYED DEPARTURE:
a. The Insured must obtain written confirmation from the carrier or
their agents of the actual date and time of departure and the
b. Claims under this Insuring Agreement shall be calculated from the
actual time of departure of the conveyance on which the
INSURING AGREEMENT 7: TRIP CANCELLATION:
The Assistance Service Provider on behalf of the Insurance Company shall indemnify
the Insured, upto the limit as covered by this Policy, in respect of all irrecoverable
deposits, advance payments and other charges paid or due to be paid for travel and/or
accommodation upto the covered limit in the event of the Insured’s trip being
necessarily canceled or curtailed due to:
i) the death, accidental bodily injury or illness of the Insured or the death,
accidental bodily injury or illness of the Insured’s immediate relative;
ii) the death, accidental bodily injury or illness of any person with whom the
Insured had arranged to travel, reside or conduct business, or of an
immediate relative;
iii) the Insured or any person with whom the Insured had arranged to travel,
reside or conduct business being:
a) quarantined or called for witness or jury service;
b) made redundant provided that such redundancy qualifies for payment
under the applicable Usual Country of Residence legislation;
c) called for emergency duty as a member of the armed forces, the
defense of civil administration, the police force or the fire rescue, public
utility or medical services;
d) required to be present at his/her home or place of business in the
Usual Country of Residence following burglary or major damage.
iv) The cancellation of scheduled or chartered transport services (including
connecting publicly licensed transportation) caused by accident, strike,
industrial action, hijack, terrorist act, criminal act, bomb scare, riot, civil
commotion, fire, flood, earthquake, landslide, avalanche, adverse
weather conditions or mechanical breakdown, provided that the event
 POLICY TERMS & CONDITIONS
giving rise to such cancellation occurs, or is only announced, after the trip
is booked or this insurance is effected, whichever the later;
v) major damage rendering uninhabitable the accommodation in which the
Insured had previously booked to reside during a trip.
The Insured shall furnish the evidence, documents or certificates of the event,
which caused the journey to be canceled.
EXCLUSIONS APPLICABLE TO INSURING AGREEMENT 7: TRIP
CANCELLATION:
The Assistance Service Provider and the Insurance Company shall not be liable for
claims resulting from:
a) Childbirth, pregnancy or any medical complications resulting therefrom
within 2 months of the estimated date of delivery.
b) Any condition or set of circumstances known to the Insured at the time
the Insured Trip was booked or this insurance was effected whichever is
the later, where such condition or set of circumstances could reasonably
have been expected to give rise to the cancellation or curtailment of the
Insured's trip.
c) Lack or reasonable care taken over means of travel, route or departure
time.
INSURING AGREEMENT 8: LOSS OF PASSPORT:
This cover shall compensate the Insured for the expenses incurred for the re-issuance
of passport lost or stolen accidentally and unintentionally up to the limit covered by this
Policy. The lost passport should be reported immediately to the concerned authorities
in the area where it is lost. The Insured is required to furnish all relevant
documents/receipts which had been produced/received during the loss and afterwards.
EXLCUSIONS APPLICABLE TO INSURING AGREEMENT 8: LOSS OF
PASSPORT:
This Insuring Agreement does not cover the losses arising out of or in anyways related
to the following:
a. Passport left unattended at any time.
b. Loss or theft of Passport not reported to the Police or relevant
authority within 24 hours of the loss or as soon as practically
possible.
c. Loss or damage while in others custody.
INSURING AGREEMENT 9: TRAVEL & STAY OVER OF ONE IMMEDIATE FAMILY
MEMBER
Should the Insured be hospitalized for more than seven (7) days, the Assistance
Service Provider on behalf of the Insurance Company will meet the costs of immediate
family members or a person appointed by the Insured and having the same Country of
Residence as the member, considering the Insured was traveling alone:
 Economy air transport tickets or 1st class rail tickets to the place of
hospitalization.
 Accommodation expenses there, per day upto the limit covered by this
Policy for a maximum of 10 days
INSURING AGREEMENT 10: CONNECTION SERVICES:
Whilst traveling abroad, the Insured will be entitled to contact the Assistance Service
Provider in order to obtain miscellaneous services in the country where he/ she is
located and in particular rental car referrals, reservation, legal and administrative
information and referrals.
Any miscellaneous service required by the Insured and not covered through this Policy
shall remain at the Insured's own expense and responsibility.
INSURING AGREEMENT 11: DISPATCH OF MEDICINES:
The Assistance Service Provider will arrange to send medicines to the Insured which
are prescribed as urgent by doctor and which are not available at the place where the
Insured has traveled.
INSURING AGREEMENT 12: EMERGENCY RETRUN HOME FOLLOWING DEATH
OF A CLOSE FAMILY MEMBER:
Should a next to kin, parents (father or mother), member of the brotherhood, spouse or
children of the Insured deceased during the period of the trip, the Assistance Service
Provider will meet the following costs:
st
Economy round trip air transport tickets or 1 class rail ticket to the place of
residence of the Insured whenever he/she is unable to travel by his/her own
means of transport or the means of transport hired for the trip.
The Insured shall furnish the evidence, documents or certificates of event, which
caused the journey to be cut short (death certificate).
INSURING AGREEMENT 13: LONG DISTANCE MEDICAL INSFORMATION
SERVICE:
The medical information will be provided to the Insured by the Assistance Service
Provider’s doctor upon request from the Insured. The service is not to be considered in
any case as a diagnosis but rather a communication service.
INSURING AGREEMENT 14: MEDICAL REFERRAL/ APPOINTMENT OF LOCAL
MEDICAL SPECIALIST:
Through the Assistance Service Provider’s call center (contact details as mentioned in
the Policy) the Insured will be given access and referred to any agreed medical centre
Page 3 of 4
Policy Number _______________
or medical practitioner of the Assistance Service Provider’s international network.
INSURING AGREEMENT 15: RELAY OF URGENT MESSAGES:
At the Insured’s request, Assistance Service Provider will arrange to convey urgent or
justified messages relating to the matters which are covered under Insuring Agreement
2,4,9,12,16,17,18 and 19.
INSURING AGREEMENT 16: REPATRIATION OF FAMILY MEMBER TRAVELING
WOTH THE INSURED:
Should the Insured be hospitalized for more than seven (7) days or decease, the
Assistance Service Provider will meet the cost of arranging, economy round trip air
transport ticket or 1st Class rail ticket to the place of residence in respect of an
Immediate Family Member or, a person appointed by the Insured and having the
same country of residence as member, considering this person was traveling alone
with the Insured.
INSURING AGREEMENT 17: REPATRIATION OF MORTAL REMAINS:
In the event of the death of the Insured, the Assistance Service Provider will make the
arrangements necessary for the repatriation of his/her mortal remain and will meet the
cost of transfer expenses to the place of interment, cremation or funeral ceremony at
his/her Usual Country of Residence.
Payment of expenses for interment, cremation or funeral ceremony is excluded
from this Insuring Agreement.
INSURING AGREEMENT 18: RETURN OF DEPENDENT CHILDREN:
In the event of dependent children aged less than 17 years old being left unattended
further to the Insured’s accident or illness, the Assistance Service Provider will arrange
and pay for one way air plane economy transportation or 1 st class rail ticket for them to
their place of residence.
Qualified attendant will be provided without charge, if required.
INSURING AGREEMENT 19: TRANSPORT OR REPATRIATION IN CASE OF
ILLNESS OR INJURY OF AN INSURED:
In the event of an accident or sudden illness, the Assistance Service will pay
reasonable cost of transferring or repatriating the Insured to properly equipped medical
and health center or to his/her Usual Country of Residence.
The Assistance Service Provider, through its medical team, will decide which health
center the Insured is transferred to or whether repatriation is necessary, depending on
the situation or gravity of the state the Insured is in.
Afterwards the Assistance Service Provider’s medical team will maintain the telephone
contacts necessary with the medical center and with the doctors attending to the
Insured, and on the basis thereof will decide whether to transfer or repatriate the
Insured, and on the most suitable means of transport to use.
For minor or less serious illnesses or accidents, which in the opinion of the medical
team do not require repatriation, transfer will be performed in ambulance or other
means of transport, to the place where adequate medical assistance can be provided.
The Insured will not be transported from one hospital to the other without getting the
attending doctor to approve the medical report. This assistance is not a first-aid, it is
secondary assistance.
GENERAL CONDITIONS:
1. In the event of any claim the liability of the Assistance Service Provider and the
Insurance Company shall be conditional on the Insure claiming indemnity or benefit
having compiled with and continuing to comply with the terms of this Policy.
2. In the event of a claim under this Policy the Insured should;
a. Take all reasonable precautions to minimize the loss.
b. As soon as possible contact the Assistance Provider to notify the claim
stating the assistance required. The contact details of the Assistance Service
Provider are mentioned on Page Number 2.
c. Provide freely all the required documents and information to the Assistance
Service Provider in order to assess the lodged claim.
d. Make no admission of liability of offer promise or payment of any kind without
the consent of the Assistance Service Provider.
3. The Assistance Service Provider and Insurance Company shall not be liable in
respect of any Benefit which would otherwise be payable under this Policy should
there be another insurance in force covering the same benefits which predates this
Policy, except for Loss of In-flight Checked-In Baggage.
4. The Assistance Service Provider and the Insurance Company shall not be liable in
respect of any claim which would otherwise be covered through any other similar
policy or indemnity available to the Insured.
5. The Assistance Service Provider and the Insurance Company retains the right for
denying any claim which in the opinion of the Assistance Service Provider or the
Insurance Company is outside the scope of Policy Coverage by way of either being
excluded or not specifically covered by this Policy.
6. The Assistance Service Provider and the Insurance Company shall not be liable to
pay any compensation in the form of reimbursement or reconsidering the
reimbursement for the claims which was previously disapproved or any part of it.
7. The Insured is under the obligation to contact the Assistance Service Provider
 POLICY TERMS & CONDITIONS
before obtaining any self assistance. The Assistance Service Provider will allocate a
Claim Reference Number which should be quoted in every correspondence with the
Assistance Service Provider in respect of a particular claim. If the Insured contacts the
Assistance Service Provider for the claim compensation after availing the self
assistance then the Insured is under the obligation to satisfy both the Assistance
Service Provider and the Insurance Company with the physical proofs proving that why
it was necessary for the Insured to first avail the self assistance rather than contacting
the Assistance Service Provider. The Assistance Service Provider and the Insurance
Company may deny the claim if the proofs furnished are not found satisfactory.
8. This Policy is subject to the laws of Islamic Republic of Pakistan with the jurisdiction
of courts in Karachi.
9. It is agreed that the Insurance Company and the Assistance Service Provider upon
payment of any loss hereunder shall become subrogated to all rights and remedies of
the Insured in respect of such loss and the Insured will do cooperate with the
Insurance Company and the Assistance Service Provider as required in the
enforcement of any of the said rights or remedies. Such enforcement shall be at the
Insurance Company’s and Assistance Service Provider’s own expense.
10. If at the time of happening of any loss covered by this Policy there shall be
subsisting any other Insurance of any nature whatsoever covering the same benefits
insured herein, whether effected by the Insured or not, then the Insurance Company
and the Assistance Service Provider shall not be liable to pay or contribute more than
its ratable proportion.
11. All the differences arising out of this Policy shall be referred to the decision of an
Arbitrator to be appointed in writing by the parties in difference or if they cannot agree
upon a single Arbitrator, to the decision of two Arbitrators, one to be appointed in
writing by each of the parties within one calendar month after having been required in
writing to do so by either of the parties or in case the Arbitrators do not agree of any,
Umpire to be appointed in writing by the Arbitrators before entering upon the reference.
The Umpire will sit with the Arbitrators and preside at their meetings and the making of
an Award shall be a condition precedent to any right of action against the Insurance
Company and the Assistance Service Provider. In case the Insurance Company and
the Assistance Service Provider shall disclaim liability to the Insured for any claim
hereunder and such claim shall not within twelve calendar months from the date of
such disclaimer have been referred to an Arbitration under the provisions herein
contained then the claim for all purposes be deemed to have been abandoned and
shall not thereafter be recoverable hereunder.
CANCELLATION CONDITIONS:
In case the Insured wishes to cancel the Policy then the Insured must return the
original Policy and also furnish the relevant proofs and satisfactory reasoning in writing
including the complete passport copy with all the pages when applying for the
cancellation of the Policy. The Policy cannot be canceled if:
 The Visa has been issued to the Insured;
Policy Number _______________
notoriously dangerous.
k. Participation in competitions or tournaments organized by sporting
federations or similar organizations.
l. Skiing and/or similar sports, unless coverage for it has been expressly
agreed with additional premium and terms and conditions to cover this
Benefit.
m. The use, as a passenger or crew, of means of air navigation not
authorized for the public transport of travelers, as well as helicopters.
n. The accidents deemed legally to be work or labour accidents,
consequence of a risk inherent to the work performed by the Insured.
o. The services arranged by the Insured on his/her own behalf, without prior
communication or without the consent of the Assistance Service
Provider, except in the case of extreme emergency and/ or urgent
necessity. In such event, the Insured must furnish to the Insurance
Company and the relevant proofs reference of which is made under
General Condition 5 above.
p. Illnesses or injuries arising from chronic aliments or from those that
existed prior to the inception date of the Policy or trip.
q. Death as result of suicide and the injuries or after-effects brought about
by attempted suicide.
r. Those derived from illnesses or pathological states caused by the
voluntary consumption of alcohol, drugs, toxic substances, narcotics or
medicines acquired without medical prescription, as well as any kind of
mental illness or mental imbalance.
s. Those derived from renunciation of or delay, on the part of the Insured or
persons responsible for him/her, in the transfer proposed by the
Assistance Service Provider and agreed by its medical service.
t. Rehabilitation treatments.
u. Prostheses, orthopedic material or orthesis and osteosynthesis material,
as well as spectacles.
v. Those derived from pregnancy and childbirth, or for a complication
therefrom or voluntary termination of pregnancy.
w. Those derived from baggage that is not sufficiently well packaged or
identified , as well as fragile baggage or perishable products.
x. Assistance or compensation for events that occurred during a trip that
had commenced, in any of the following circumstances:
 Before this insurance comes into force.
 With the intention of receiving medical treatment.
 After the diagnosis of a terminal illness.
 Without prior medical authorization, after the Insured had been
under treatment or medical supervision during the twelve (12)
months prior to the start of the trip.
y. Expenses that arise once the Insured reaches his/her Usual Country of
Residence including those expenses incurred beyond the scope of the
coverage of this Policy.
z. The Assistance Service Provider and the Insurance Company is exempt
from the liability when, as a result of force majeure, any or all of the
Benefits specifically envisaged in this Policy cannot put into effect by the
Insurance Company and the Assistance Service Provider.

 The Insured has undertaken a trip before the Period of Insurance as

stated in the Travel Insurance Certificate issued to the Insured.
In case of cancellation, premium shall be refunded after deducting PKR 500 as
Cancellation Service Charges.

GENERAL EXCLUSIONS

This Policy is subject to following General Exclusions which shall apply to all the
Insuring Agreements stated in this Policy and in addition to the Insuring Agreement
specific exclusions. Following losses, illnesses, injuries, damages and/ or
consequences whether arising directly or indirectly and/ or caused by either or all of
the foregoing are excluded from this Policy.
a. The bad faith of the Insured, by his/her participation in criminal acts, or
as a result of his/her fraudulent, seriously negligence or reckless actions.
The consequences of the actions of the Insured in a state of
derangement or under psychiatric treatment are not covered either
including any related expenses.
b. Extraordinary natural phenomena such as floods, earthquakes,
landslides, volcanic eruptions, a typical cyclonic storms, falling objects
from space and aerolites, and in general any extraordinary atmospheric,
meteorological seismic or geological phenomenon or any other kind of
natural disaster.
c. Events arising from strike, riot, civil commotion, terrorism or any
interrelated acts, mutiny or crowd disturbances.
d. Events or actions of the Armed Forces or Security Forces in peace time.
e. Wars, with or without prior declaration, and any conflicts or international
interventions using force or duress or military operations of whatever
type.
f. Those derived from radioactive nuclear materials and energy.
g. Those caused when the Insured takes part in bets, challenges or brawls,
save in the case of legitimate defense or necessity.
h. Illness or injuries existing prior to the claim or taking out this Policy
whether known or not known to the Insured.
i. Those that occur as a result of the participation by the Insured in
competitions, sports, and preparatory or training tests.
j. Engaging in the following sports: motor racing or motorcycle racing in
any of its modes,big game hunting, underwater diving using artificial lung,
navigation in international waters in craft not intended for the public
transport of passengers, horse riding, climbing, pot holing, boxing,
wrestling in any of its modes, martial arts, parachuting, hot air ballooning,
free falling, gliding and in general, any sport or recreational activity that is

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