Travel Insurance Plans and Coverage

Travel insurance bears the costs of unforeseen losses that might occur when travelling abroad from Pakistan. In countries like the US or Schengen states, medical emergency bills can easily run into thousands of dollars – Askari travel insurance protect yourself by offering plans and coverage against any such expenses at a tiny fraction of cost.

Askari Travel Insurance Plans are below in the table.

Duration	Economy		Umrah/Hajj/Ziarat		Schengen		World Wide		Silver		Gold		Platinum
Emergency Medical Assistance	US$ 10,000		US$ 10,000		US$ 50,000		US$ 50,000		US$ 75,000		US$ 100,000		US$ 150,000
	Single	Family	Single	Family	Single	Family	Single	Family	Single	Family	Single	Family	Single	Family
Upto 07 days	650	1040	650	1040	1341	2146	1341	2146	2000	3200	2500	4000	3000	4800
08 – 10 days	850	1360	850	1360	1764	2822	1764	2822	2550	4080	2950	4720	4550	7280
11 – 15 days	1000	1600	1000	1600	2285	3656	2285	3656	3200	5120	3450	5520	5300	8480
16 – 21 days	1250	2000	1250	2000	2400	3840	2400	3840	3900	6240	4200	6720	7350	11760
22 – 31 days	1750	2800	1750	2800	2800	4480	2800	4480	5000	8000	5200	8320	9500	15200
32 – 45 days	2200	3520	2200	3520	4200	6720	4200	6720	6500	10400	7250	11600	13000	20800
46 – 62 days	2500	4000	2500	4000	4700	7520	4700	7520	7750	12400	8750	14000	17000	27200
63 – 93 days	3000	4800	3000	4800	5100	8160	5100	8160	9000	14400	10000	16000	22000	35200
94 – 183 days	4500	7200	4500	7200	7400	11840	7400	11840	13500	21600	14500	23200	45000	72000
184 – 365 days	6000	9800	6000	9600	11,300	18080	11300	18080	17000	27200	20000	32000	57500	92000

Premium is inclusive of duties applicable under the law.
Family is inclusive of self, spouse and 04 children under 18 years of age.
Quotes premium is for people upto 60 years of age. For age ranging from:
60-65 years 50% increase in premium.
65-75 years 100% increase in Total premium.
Medical fitness certificate issued by a registered Medical practitioner will be required for people over 60 years of age.
Advance Tax @4% on quoted premium will be applicable in case of Non-filer as per Government rules.

Contact Us

Askari Travel- Schedule of Benefits (All values in US Dollar)

	Plan	Economy	Excess	Umrah/Hajj/Ziarat	Excess	Schengen	Excess	World Wide	Excess	Silver	Excess	Gold	Excess	Platinum	Excess
Section A	Personal Accident
A1	Persona Accident	5,000	Nil	5,000	Nil	10,000	Nil	10,000	Nil	15,000	Nil	20,000	Nil	30,000	Nil
A2	Accidental Death (Common Carrier)	Limit to 10% of available limit	Nil	10% of available limit	Nil	10% of available limit	Nil	10% of available limit	Nil	10% of available limit	Nil	10% of available limit	Nil	10% of available limit	Nil
Section B	Medical Benefits
B1	Emergency Medical Expenses	10,000	50	10,000	50	50,000	50	50,000	50	75,000	50	100,000	50	150,000	50
B2	Emergency Dental Care	NA		Na		50	400	50	400	50	600	50
B3	Repatriation of Mortal Remains	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
B4	Repatriation of family member traveling with insure person.	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
B5	Travel of one immediate family member	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
Section C	Additional Assistance Services
C1	Escort of Dependent Child	NA	NA	NA	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
C2	Delivery of Medicines	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
C3	Long Distance Medical Information Service	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
C4	Medical Refferal/ Appointment of Local Medical Specialist	Covered	NA	Covered	NA	Covered		Covered	NA	Covered	NA	Covered	NA	Covered	NA
C5	Connection Services	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
C6	Relay of Urgent Messages	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA	Covered	NA
Section D	Loss or delay of Checked Baggage
D1	Loss of checked baggage	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	1000	50	2000	50
D2	Delayed baggage	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	50 max 200	12 Hrs.	75 max 300	8 Hrs.
Section E	Loss of Passport	50	NA	50	NA	100	50	100	50	200	50	300	50	500	50
Section F	Personal Liability	NA	NA	NA	NA	NA	NA	NA	NA	50,000	250	100,000	500	150,000	750
Section G	Cancellation and Curtailment	200	50	200	50	300	50	300	50	400	50	600	50	1,000	50
Section H	Emergency Return Home Following Death of a Close Family Member	Covered	50	Covered	50	Covered	50	Covered	50	Covered	50	Covered	50	Covered	50
Section I	Advance Ball Bond	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	5000	NA	10,000	NA
Section J	Loss Of Credit Card	200	NA	200	NA	300	NA	300	NA	400	NA	800	100	1,000	100

Exclusions Applicable to Travel Policy

1. 1. This policy is valid for residents of Pakistan who are 80 years and under at date of expiry.
  2. Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
  3. Routine physical or other examination where there is no objective indication of impairment of normal health.
  4. Medical expenses beyond the expiry of the policy period.
  5. Hospital treatment which is not provided by a registered health services provider.
  6. Claims arising if an Insured is traveling against the advice of a medical practitioner or for the purposes of obtaining medical treatment of convalescent care.
  7. Loss or damage to passport due to delay or from confiscation or detention by customs, police or other authority.
  8. Loss caused by the insured’s failure to take reasonable steps to guard against the loss of passport.
  9. Theft which is not reported to any appropriate police authority 24 hours of discovery and an official report obtained
  10. The Insurers shall not be responsible for any willful, malicious or criminal act of the Insured a deliberate breach of any law or enactment by the Insured.

Cancellation Procedure

BEFORE THE POLICY START DATE

1. The insured is expected to inform us and an E mail should be sent by the insured requesting the cancellation.
2. He/she should furnish policy number or schedule number in the E mail.

BEFORE THE POLICY START DATE – IF THE INSURED HAS NOT TRAVELED

Following documents should be sent to us:

1. Proof that the insured has not traveled overseas.
2. Photo copy or Scan copy of all the pages (including empty pages) of the passport.
3. Reason for policy cancellation.
4. Visa rejection letter in case of visa refusal by embassy.

AFTER THE POLICY START DATE – IF THE INSURED HAS TRAVELLED

In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the rates shown in adjacent table (subject to no claims being incurred on the policy).

Cancellation of Policy Due to Non Utilization:

Policy can be cancelled, upon written request of the insured due to non-utilization of cover only if:

Request letter form the Insured.
The insured returns the original policy with the required coupons.
The person cancels the policy before the effective date.
The person submits his passport XEROX copy (photo state) as a proof that he/she has not traveled before the effective date written on the policy.
Original letter from the consulate requesting for the cancellation of the policy.
Original Policy. g) If the visa issued to insured, policy document neither refund nor cancel or it’s
status become null and void.

Cancellation by us:

We may cancel this policy by giving you at least seven days’ notice at your last known address. We reserve the right to amend policy terms, conditions and exclusions.

Claim Assistance Service

Contact our overseas agents, M/s Afro Asian Assistance through email, fax or telephone as follows:
USA/Canada +18885249672 Free
Europe/France + 33975180996
International/Bahrain + 97317510600
Fax Number + 97317530242
Email claims@afroasianassistance.com