The United Insurance Company Of Pakistan Ltd.
A Member Company of United International Group
16/03/2025 - 10:32 PM UIC TRAVEL & HEALTH GUARD UICPK-704035
INSURED DETAILS
Name of Insured:- ZEESHAN ALI
Age: 28/12/2001
Passport No.: CE1835131
NIC#: 3401342225135
Address: GUJRNWALA , PAK
Beneficiary: Muhammad waqas
Contact No.: 923234896067 Relationship: BROTHER
TRIP DETAIL
Country of Travel: SCHENGEN COUNTRIES Producer's ID: Usman Jamshed
No of Days: 62 Days Issued at: Head Office
Effective Date: Apr 05, 2025
Expiry Date: Jun 05, 2025
* The insurance offered is only with respect to the benefits as specially indicated in the Schedule of
Cover subject to the policy terms and in consideration of the premium paid as plan selected
* All Pre Existing Medical Conditions are not covered.
* Treatment of Coronavirus (COVID-19) is Covered.
ZONE OF TRAVEL CHOICE OF PLAN CHOICE OF BENEFITS
SCHENGEN COUNTRIES Single GOLD
Premium Amount : 35,000.00
Advance Tax (I.T.O) 2001 : 0.00
Total Premium Payable in Pak Rupees.: 35,000.00
( Thirty Five Thousand Rupees Only ) Swan International Assistance (SIA)
SCHENGEN POLICY International: +961 9 211 662
USA/ Canada: +1 514 448 4417
Medical Expenses & Hospitalization Abroad - € 30,000
France/Europe: +33 9 75 18 52 99
Repatriation of Mortal Remains - Actual Expenses
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If you seek more information, please contact us: 042 111 000 014
UIG House, 1st floor, 1-Upper Mall, Lahore - Pakistan
UAN:(92 42) 111 000 014 Tel: (92 42) 35776475-83.
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*THIS IS A COMPUTER-GENERATED DOCUMENT AND IT DOES NOT REQUIRE A SIGNATURE OR STAMP.
The United Insurance Company Of Pakistan Ltd.
A Member Company of United International Group
UIC TRAVEL HEALTH GUARD
(Policy Terms & Conditions)
CANCELLATION GENERAL EXCLUSIONS
1. Assistance or compensation for events that occurred during a trip that had commenced, in any of the
1. The death, accidental bodily injury or illness of the insured Person or the death of the Insured Person’s immediate relative. Following Circumstances:
2. The death, accidental bodily injury or illness of any person with whom the Insured Person had arranged to travel, reside or
conduct business, or of the immediate relative. 1. before this insurance comes into force;
3. Hi-jack, terrorist act, criminal act, boom scare, riot, civil commotion, fire, flood, earthquake, landslide, avalanche, adverse 2. With the intention of receiving medical treatment;
weather conditions or mechanical breakdown, provided that the event giving rise to such cancellation occurs, or is only 3. after the diagnosis of a terminal illness;
announced. 4. without prior medical authorization, after the Insured had been under treatment or medical
4. Major damage rendering uninhabitable, the accommodation in which the Insured Person had previously booked to reside supervision during the twelve months prior to the start of the trip;
during a Covered Trip. 2. Expenses that arise once the Insured is at his/her usual country of residence, those incurred
5. Refund of policy is allowed only in the submission of rejection letter of the concerned Embassy after deduction of all GOVT beyond the scope of Application of the guarantees of the insurance, and, in any case, after
Taxes & Levies. the dates of the travel object of the Agreement Have elapsed or after 90 days has elapsed
since the start thereof, notwithstanding what is provided for in the Additional Clauses or
in the Private or Special Conditions.
3. Any Health Services that are received as Out-of-Hospital benefits.
4. All expenses relating to dental treatment, dental prostheses, and orthodontic treatments.
GENERAL EXCLUSIONS 5.
6.
Services that do not require continuous administration by specialized medical personnel.
Personal comfort and convenience items (television, barber or beauty service, guest service and similar incidental
Loss, damage, illness and/or injury directly or indirectly caused by, arising out of, and/or during, and/or in Consequence
Services and supplies).
7. Medical Services that are not performed by Authorized Healthcare Service Providers, apart from medical Services
of the following Are excluded from the guarantee/cover granted under this Policy: Rendered in a Medical Emergency.
8. Prosthetic devices and consumed medical equipment’s.
1. The bad faith of the Insured, by his/her participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or 9. Treatments and services arising as a result of hazardous activities, including but not limited to, any form of aerial
Reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment, costs for flight, Any kind of power-vehicle race, water sports, horse riding activities, mountaineering activities, violent sports
Which are excluded. such as Judo, boxing, and wrestling, bungee jumping and any professional sports activities.
2. Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic Storms, 10. Costs associated with hearing tests, vision corrections, prosthetic devices or hearing and vision aids.
falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, Seismic or 11. Patient treatment supplies (including elastic stockings, ace bandages, gauze, syringes, diabetic test strips,
geological phenomenon any other type of natural disaster. And like Products, non-prescription drugs and treatments, excluding such supplies required as a result of Healthcare
3. Any condition or set of circumstances known to an Insured Person at the time the red Trip was booked (pre-existing Services rendered during a Medical Emergency).
12. Services rendered by any medical provider relative of a patient for example the Insured person and the Insured
Conditions).
member’s family, including spouse, brother, sister, parent or child.
4. If the Insured was not present in Pakistan at the time of Issuance of the Policy.
13. All Healthcare Services & Treatments for In-Vitro Fertilization (IVF), embryo transport, ovum and male sperms
5. If the Insured is traveling against the advice of the Physician or for the purpose of obtaining Treatment or undergoing Tests
transport.
Or Investigation abroad or has been diagnosed as suffering from illness.
14. Treatments and services related to viral hepatitis and associated complications, except for treatment and services
6. Events arising from terrorism, mutiny or crowd disturbances;
related to Hepatitis A.
7. Events or actions of the Armed Forces or Security Forces in peacetime; 15. Air or Terrestrial Medical evacuation except for Emergency cases or unauthorized transportation services.
8. Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military 16. Medical services and associated expenses for organ and tissue transplants, irrespective of whether the Insured
Operations of whatever type. Person is a donor or recipient.
9. Those caused by or resulting from radioactive materials and nuclear energy; 17. Any test or treatment not prescribed by a doctor.
10. Those caused when the Insured takes part in bets, challenges or brawls, save in the case of legitimate defense or necessity;
11. Illness or injuries existing prior to the claim, unless expressly included in the Private or
Special Conditions and subject to payment of the relevant surcharge premium;
12. Those that occur as a result of the participation by the Insured in competitions, sports, and preparatory or training tests;
13. Engaging in the following sports: motor racing or motorcycle racing in any of its modes, big game hunting outside European
Territory, underwater diving using artificial lung, navigation in international waters in craft not intended for the public
Transport of passengers, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot
Eligibility
Air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
This Policy is valid for residents of Pakistan who are 65 years and under at inception. Premium without
14. Participation in competitions or tournaments organized by sporting federations or similar organizations.
any additional exclusions being applied or changing to the terms & conditions on the following
15. Hazardous winter and/or summer sports such as skiing and/or similar sports. m).
loading scale:-
16. Permanent resident and students outside of resident country.
for person aged between 66 and 75 years, increase 50%
17. The use, as a passenger or crew, of means of air navigation not authorized for the public transport of
for person aged between 76 and 80 years, increase 75%
Travelers, as well as helicopters; and,
for person aged between 81and85 years, increase 100%
18. The accidents deemed legally to be work or labor accidents, consequence of a risk inherent to the work performed by The
Pakistan citizen who are married from other countries or permanent resident people or any expatriate working in Pakistan are
Insured.
covered provided journey commences and terminates in Pakistan.WHAT TO DO IN THE EVENT OF A MEDICAL EMERGENCY?
19. Internationally and locally recognized epidemics.
20. Illnesses or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy;
21. Death as a result of suicide and the injuries or after-effects brought about by attempted suicide or any self-inflicted Injuries. Sawan International Assistance (SIA), must be contacted immediately, in the event of an insured dying, incoming medical expenses,
22. Illness, injuries or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics Or being involved in an accident, or being admitted to hospital. The Company will not be liable for any cost without the expressed prior
medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance; approval of Sawan International Assistance (SIA).
23. Illness or injuries resulting from refusal and/or delay, on the part of the Insured or persons responsible for him/her, in The
transfer proposed by the Company and agreed by its medical service; Sawan International Assistance (SIA) will provide a complete medical assistance service to the Insured. Operating 24 hours a days
24. Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary term 365 days a year, Sawan International Assistance (SIA) provides effective medical assistance for the insured anywhere in the world
ination of Pregnancy;
and can be accessed
25. Mental Health diseases.
I. Venereal sexually transmitted diseases.
II. All pre-existing, congenital and/or Chronic Medical Conditions Contact Detail:
III. Any cardiac or cardio vascular or vascular or cerebral vascular illness or conditions or after-effects thereof GENERAL 24/7 INTERNATIONAL HELPLINE
or Complications that, in the opinion of a medical practitioner appointed by the Company, can reasonably
be Related thereto, if the insured person has received medical advice or treatment (including medication) for
Hypertension Two Years prior to the commencement of the Protected Journey. Swan International Assitance (SIA)
26. Assistance or medical services, which are not medically necessary and all Elective and/or non-Emergency medical Condition
and its complications. International : +961 9 211 662
27. Rehabilitation treatments;
28. Prostheses, orthopedic material or thesis and osteosynthesis material, as well as spectacles.
USA/Canada : +1 514 448 4417
France/Europe : +33 9 75 18 52 99
Email:[email protected]
UIG House, 1st floor, 1-Upper Mall, Lahore - Pakistan
UAN:(92 42) 111 000 014 Tel: (92 42) 35776475-83.
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*THIS IS A COMPUTER-GENERATED DOCUMENT AND IT DOES NOT REQUIRE A SIGNATURE OR STAMP.
