Ans. Because we offer widest variety of benefits within Pakistan to protect you & your family from various perils ranging from emergencies away from your home to loss of baggage and flight delay for the most economical prices. We also provide various “free of cost” adds-on benefits like delivery of medicines, Medical and Legal referrals, Salaamti Application, etc.

Ans. Participant’s age under this policy is up to 85 years. However, additional charges will be applied for Participants above the age of 65 years.

Ans. Salaam Travel Takaful family packages include the participant, participant’s spouse and up to 4 children aged between 6 months to 18 years.

Ans. Maximum stay limit for takaful travel packages is 92 days. This applies even for the annual Multi-Trip cover.

No, we do not cover one-way trips.

Yes, we cover trips for immigration purposes. But, the maximum days of coverage are 92 days.

Ans. No, however, Travel Salaam Takaful offers you the most economical and holistic package with various benefits. Please consider the scope of offer and its corresponding contribution to see how it fits your needs.

You may cancel the Policy within 14 days of issue date and a date earlier than the departure date by giving us written notification. Termination of the Policy can only be done if it is not due to any circumstances known to you prior to the booking of the Trip and no claim has been made.

You can travel anywhere in the world under Salaam International Travel Gold plan including all the Schengen countries. Whereas, under the silver plan you cannot travel to the Schengen countries, but you can travel to the rest of the world

No, they have to be travelling with at least one of the Participant adults

You can travel as often as you like within the 12 month period. There is a limit of 92 days for any one trip.

Yes, if a person who is older than 18 years and is a part of a family policy, then even if he/she is traveling alone, they will be covered within the policy.

You should take the policy booklet with you whenever you travel. It contains full details of the policy cover, conditions and exclusions, together with contact details for our 24-hour medical emergency service. If you don't want to carry your policy document with you, make sure you have access to the internet where you can download your documents sent to your email if you need them.

If you have purchased your policy online and chosen the option of cash on delivery, then your documents will be available to you in 3-5 days. However, if you have paid online, then your document will be available immediately for your perusal.

Ans. Company shall pay medical, pharmaceutical and hospitalization expenses as well as the ambulance expenses from the place of the accident to the nearest medical center in case of any emergency or to your country of residence.

Pre-existing medical condition means:

An ongoing or recurring Medical Condition (or any medical complication directly attributable to that condition) investigated by a Medical Practitioner (whether diagnosed or not) and/or

A Medical Condition (other than a minor non-recurring ailment) for which there has been a prescribed medication or treatment by a Medical Practitioner during the 24 Months immediately preceding the date of application for this Takaful.

Since, a wheelchair is not counted as a checked-In baggage. It is not covered.

Yes. We can provide cover if you are on a waiting list for an operation or treatment for a diagnosed condition. However, no health benefits would be provided to you for a problem associated with your condition.

• You must be fit to undertake your planned trip

• You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad

• We will cover you only for pre-existing medical conditions that you have declared to us and which we have accepted in writing. These are set out in the policy document pack, along with the answers you gave to our medical questions.

• We will not cover you if your state of health was worse than you told us at the time you avail your policy.

Ans. We cover more risks than any other company in Pakistan. There are nine main covers being offered in our domestic travel policy, namely:

• Accidental Death & Permanent Total Disability

• Medical Hospitalization Expenses (for sickness as well as accidents)

• Emergency Medical Transportation

• Repatriation of mortal remains

• Trip Curtailment

• Delayed Departure

• Loss of checked-in baggage

• Loss of C.N.I.C

• Home protection whilst traveling

The payouts offered under these coverages are also the highest within Pakistan.

We shall arrange to pay you for any irrecoverable, unused travel and accommodation costs and other pre-paid charges, which you have paid or are contracted to pay if after a minimum 8-hour has elapsed, you choose to cancel your Trip due to strike, industrial action, adverse weather conditions, mechanical breakdown or technical fault

For more details, kindly review our “participant’s membership document” or policy certificate. You can also contact our customer service representative at:

UAN: +92 - 21-111-875-111

Timings:

Monday to Friday: (09:00 - 17:45)

Saturday: (09:00 - 13:00)

Or Email: info@salaamtakaful.com

Pregnancy and Childbirth are not considered to be medical conditions. So, the policy will not cover the consequent expenses.

The following numbers should be provided in the international variant

• For queries, assistance or lodging a claim in emergency situations call Swan International Assistance on the following numbers:

• For queries, assistance or lodging a claim in non-emergency situations call Salaam Takaful Limited on the following number:

UAN: +92 - 21-111-875-111

(Monday - Friday, 9:00 a.m. – 5:45 p.m. and Saturday: 9:00 a.m. – 1:00 pm (GMT+5))

Or email us at:

for claims: claims@salaamtakaful.com

for queries: info@salaamtakaful.com

for Complaints: complaints@salaamtakaful.com

Situations falling under the following benefits are categorized as emergency situations:

1. Emergency Medical Expenses

2. Emergency Dental Care

3. Emergency Medical Transportation

4. Repatriation of other Covered Persons

5. Repatriation of Mortal Remains

6. Premature return following death of Close Relative

7. Visit of Close Relative

8. Personal Liability

Situations falling under the following benefits are categorized as non-emergency situations:

1. Cancelation or Curtailment

2. Personal Accident

3. Delayed Departure

4. Delayed Baggage

5. Loss of Checked-In Personal Baggage

6. Loss of Passport

7. Home Protection Whilst Travelling

For more details on the above-mentioned benefits, kindly review your Policy Membership Document.

For queries, assistance or lodging a claim in emergency medical situations Salaam Takaful Limited call on the following numbers:

For queries, assistance or lodging a claim in non-emergency situations call Salaam Takaful Limited on the following number:

UAN: +92 - 21-111-875-111

(Monday - Friday, 9:00 a.m. – 5:45 p.m. and Saturday: 9:00 a.m. – 1:00 pm (GMT+5))

Or email us at:

for claims: claims@salaamtakaful.com

for queries: info@salaamtakaful.com

for Complaints: complaints@salaamtakaful.com

Situations falling under the following benefits are categorized as emergency situations:

• Medical Hospitalization Expenses

Situations falling under the following benefits are categorized as non-emergency situations:

• Medical Hospitalization Expense Reimbursement

• Emergency Medical Transportation

• Repatriation of mortal remains

• Trip Curtailment

• Delayed Departure

• Loss of checked-in baggage

• Loss of C.N.I.C

• Home protection whilst traveling

For more details on the above-mentioned benefits, kindly review your Policy Membership Document.

In the cases where the Participant, only due to force majeure or any reason beyond his control cannot contact Swan International Assistance directly to request the Services or Benefits covered by the policy, the Participant can seek for expenses reimbursement in writing as follows:

a) Contact Swan International Assistance to obtain a “CASE NUMBER”.

b) Send an explanation letter of the circumstances of why the “Services or Benefits” for which expenses are being claimed were not requested or obtained from Swan International Assistance directly.

c) Send the official documents (such as Medical Report, Police Report or Notification of Loss or Theft, Airline Report of Delay, Cancellation, Lost Luggage, etc.) and original receipts of the expenses incurred.

Ans. We will pay for emergency replacement of clothing, medication and toiletries up to the limit mentioned in the schedule, if the baggage is temporarily lost in transit during the outward journey and not returned to you within 12 hours provided a written consent is sent to us by the airline company and receipts of the emergency purchases are provided during the claim process.

Ans. If you are delayed for at least 8 hours from the scheduled time of departure due to strike, industrial action, adverse weather conditions, mechanical breakdown or technical fault, we will pay up to the limits mentioned in the schedule.

Don’t panic. Your airline is your first port of call as soon as you’ve realized your bag is missing. Go straight to their info desk, ask for help and lodge a Property Irregularity Report.

If it turns out your luggage is in the same airport terminal, it could be with you in a matter of hours. If it simply missed a connection, it could be with you the next day (or whenever the next flight is).

However, if your bag has gone on another flight, you might have to wait anywhere from 48 hours to five days for it to be found and sent to the correct destination.

Afterwards, wait for your luggage. With Takaful travel cover, you can claim a compensation for your emergency purchases like clothing, medicines and toiletries. You can also ask the airline for the compensation as well.

Similarly, if your luggage is lost. You can claim for a compensation from us as well as your airline.

Kindly review the policy wording to see the limit of coverage provided on the loss of luggage.