Personal Accident FAQS

This policy covers the Participant against accidental death & total permanent disabilities. If the Participant dies as a result of an accident, the coverage limit in the plan that he/she chose will directly be paid to the beneficiaries (Spouse or Blood Relatives) of the Participant. If the customer chooses to add Accidental Medical Expenses coverage to the Plan, all Accidental medical expenses up to assigned limit that occur as a result of an accident will also be covered as per policy.

Accident means a sudden unexpected, unusual, specific mishap which occurs at an identifiable time and place including an event where the Participant is travelling.

The maximum age limit for this coverage is 65 years.

All you have to do to avail any Takaful plan is follow the series of questions under that particular plan. We offer different types of takaful plans whose differences are based on contribution or specific information. This is why our plans are custom made to cater to you. All you have to do is answer the questions that come in front of you and select a plan that suits your needs.

Yes, you can cancel this policy, it can be cancelled at any time by the Participant on giving seven days' notice in writing and the Participant shall be given an amount equivalent to Contribution less Contribution at the Company's short period rates mentioned in the Participants Membership Document.

This is an annual policy and you will be covered for the whole year (12 months) from the date of inception till the expiry date for any kind accident that may happen as per company policy.

By following simple steps you can process your claim:

In case of any mishap, please contact our customer service representatives at +92-21-111-875-111 within 24 hours of the incident.

Claims (Non-Motors)

Salaam Takaful Limited

6TH FLOOR, BUSINESS CENTER, Shahrah-e-Faisal, Karachi.

1. Intentional Self Injury, suicide or attempted suicide whether felonious or not.

2. War, Terrorism, Sabotage and nuclear exclusion

3. The Participant being under the influence of, or being affected by Intoxicants or in a pregnancy/ natal related condition

4. The Participant engaging or taking part in naval, military, air force and law enforcement service or operations.

Others: Please refer to the policy document for complete set of exclusions

7 days after submission of all relevant documents.