Hajj & Umrah Takaful

Hajj & Umrah Travel Takaful has been tailored to offer you round the clock personal accident Takaful cover that fits your needs by providing you and/or your family a comprehensive coverage for;

  • Accidental death and all the emergencies,
  • Accidental disablement
  • Accidental medical treatments,
  • Emergency evacuation,
  • Loss of baggage and passport,
  • Prepatriation of mortal remains

on a very nominal contribution in order to make your journey stress free.

Notes:

  • Family coverage will include the participant spouse and upto 3 children below 18 years of age
  • 50% of accidental death and permanent total disability limit for the spouse and 25% of the same for children
  • 50% of all limits for customers between 65 and 70 years of age
  • Contributions are inclusive of all taxes and stamp duty
  • Endorsement is possible before the effective date

Benefits Detail

COVER PLAN 'A' PLAN 'B' PLAN 'C'
  PKR PKR PKR
ACCIDENTAL DEATH 275,000 550,000 825,000
PERMANENT TOTAL DISABLEMENT As per scale of benefits
MEDICAL EXPENSE 27,500 55,000 82,500
EMERGENCY EVACUATION 75,000 75,000 75,000
REPATRIATION OF MORTAL REMAINS 50,000 50,000 50,000
LOSS OF PASSPORT 15,000 15,000 15,000
LOSS OF BAGGAGE 10,000 20,000 30,000

Contribution Table

Coverage Period Plan A Plan B Plan C
  Self Family Self Family Self Family
7 days 450 765 650 1,125 1,100 1,900
14 days 765 1,250 1,125 1,850 2,025 3,500
21 days 990 1,575 1,450 2,475 2,450 4,050
40 days 1,575 2,050 2,250 2,800 4,150 5,850

General Policy Exclusions

1.

Any medical expenses incurred as a result of a pre-existing conditions.
2.
Any treatment or expenses related to childbirth, miscarriage or pregnancy. This exception shall not apply to any abnormal pregnancy or complications within the first 24 weeks.
3.
Any expenses incurred as a result of a self-inducted injury, suicide, drug addiction or abuse, alcohol abuse, or sexually transmitted diseases.
4.
Any expenses related to the User engaging in the commission of an unlawful act.
5.
Death or bodily injury directly or indirectly due to resulting from war, invasion, act of foreign enemy, hostilities, war like operation (whether war declared or not), civil war, rebellion, revolution, terrorism, insurrection, military or usurped power, riot or civil commotions.
6.
Loss or damage to the Participant’s passport as a result of confiscation or detention of customs, police or any other authority.
7.
Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.