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
  1. Premium is inclusive of duties applicable under the law.
  2. Family is inclusive of self, spouse and 04 children under 18 years of age.
  3. 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.
  4. Medical fitness certificate issued by a registered Medical practitioner will be required for people over 60 years of age.
  5. Advance Tax @4% on quoted premium will be applicable in case of Non-filer as per Government rules.

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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. 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:

  1. Request letter form the Insured.
  2. The insured returns the original policy with the required coupons.
  3.  The person cancels the policy before the effective date.
  4. 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.
  5. Original letter from the consulate requesting for the cancellation of the policy.
  6.  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

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