The United Insurance Company Of Pakistan Ltd.

A Member CompanyofUnitedInternationalGroup

UIC TRAVEL & HEALTH GUARD UICPK- 167811 0

INSURED DETAILS

Name of Insured:- MUHAMMAD ALI

Age: 15/04/1997
Passport No.: TG1822991
NIC#: 81302-8234299-9
Address: POST OFFICE MIRPUR DISTRICT MIRPUR AJK,PAK Beneficiary: MUHAMMAD UMAR
Contact No.: 923207013276 Relationship: BROTHER

TRIP DETAIL
Country of Travel SCHENGEN COUNTRIES Producer's ID: Online Travel Portal
No ofDays: 31 Days Issued at: Head Office

Effective Date: Sep 25 , 2025

Expiry Date: Oct 25 , 2025
*The insurance offered is onlywith respect tothebenefitsas 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.
ZONE OF TRAVEL
SCHENGEN COUNTRIES Single GOLD

Premium Amount : 3450.00

Advance Tax (I.T.O) 2001 : 0.00
SCHENGEN POLICY Swan International Assistance (SIA)
Total Premium Payable in Pak Rupees.: 3450.00
International: +961 9 211 662
( Three Thousand For Hundred Fifty Rupees Only )
USA/ Canada: +1 514 448 4417
MedicalExpenses&HospitalizationAbroad - €30,000
France/Europe: +33 9 75 18 52 99

Repatriation of Mortal Remains - Actual Expenses

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.
http://www.theunitedinsurance.com
*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

DECLARATION:
I am not traveling to receive medical treatment, diagnosis or consultation.
COVERAGE FOR TRAVEL GUARD
Rest of World
Schengen Countries (Excluding USA, CANADA Worldwide
Schedule of Benefits & AUSTRALIA)
Diamond Gold Silver Standard Titanium Platinum Gold Plus
Currency USD USD USD USD USD USD USD
Medical Expenses, hospitalization Abroad & COVID-19 50,000 50,000 25,000 10,000 150,000 100,000 50,000

Transport or Repatriation in case of illness or Accident Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses

Repatriation of Mortal Remains Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses

Dental Care 600 600 600 600 600 600 600

Repatriation of Family Member Travelling with Insured Actual Expenses Actual Expenses N/A N/A Actual Expenses Actual Expenses Actual Expenses

Travel of One Immediate Family Member 100/Day-Max 1,000 100/Day-Max 1,000 N/A N/A 100/Day-Max 1,000 100/Day-Max 1,000 100/Day-Max 1,000

Delivery of Medicines Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses

Relay of Urgent Messages Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited

Long Distance Medical Information Service Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Medical Referral / Appointment of Local Medical
Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses Actual Expenses
Specialist

Connections Services N/A N/A N/A N/A Unlimited Unlimited N/A

Loss Of Credit Card 500 300 200 200 2,000 2,000 300

Delayed Departure 500 300 200 200 1,000 1,000 300

Comperison for In-Flight Loss of Checked in Baggage 500 400 400 300 1,000 1,000 400

Accidental Death ( During Travel using recognize

means of Transport, Planes Trains, Public Buses, 15,000 10,000 8,000 5,000 25,000 25,000 10,000
Taxies etc.

STUDENT PLAN BENEFITS

Plans (Limit in USD)
Schedule of Benefits Sapphire Elite (USD) Sapphire (USD) Sapphire Plus (USD)
Medical Expenses for Sickness & hospitalization Abroad 150,000 (Excess $ 150) 50,000 (Excess $ 150) 100,000 (Excess $ 150)
Emergency Detal Care 1,000 1,000 1,000
Travel of One Immediate Family Member 5,000 5,000 5,000
Repatriation of Mortal Remains Actual Expenses Actual Expenses Actual Expenses
Transport or Repatriation in case of Illness or Accident Actual Expenses Actual Expenses Actual Expenses
Loss of Passport 300 300 300
Loss In-Flight Lost of Checked in Baggage 500 500 500
Accidental Death 100% of Principal Sum Insured 100% of Principal Sum Insured 100% of Principal Sum Insured
Permanent Total Disability 100% of Principal Sum Insured 100% of Principal Sum Insured 100% of Principal Sum Insured

Note: Excess/deductible of each & every claim will be as follows:-

From 0 to 70 Years From 71 to 85 Years From 86 to 90 Years

USD 100 USD 150 USD 300

* Pre-existing conditions are not covered.

Excluding Countries: Afghanistan, Cuba, Israel, Pakistan
This Policy shall be deemed to be issued as an electronic document. Any print out of the same is for the purpose of record and reference only.

UIG House, 1st floor, 1-Upper Mall, Lahore - Pakistan

UAN:(92 42) 111 000 014 Tel: (92 42) 35776475-83.
http://www.theunitedinsurance.com V: 16.1.00
*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)
COVERAGE AND PROVISION 8) Delayed Departure: When the departure of the common carrier contracted by the Insured for travelling
is delayed by at least 12 hours, the Company, subject to presentation of the corresponding original
Whereas the insured person is designated in the travel Insurance Policy named as “UIC Travel & Health Guard" invoices, shall reimburse any additional expenses incurred (transport and hotel accommodation,
schedule here to having by a proposal and declaration (Medical History and Physician’s Report and Certificates, if as well as meals) as a result of the said delay up to the limit provided by the referred plan,
any). Which shall be the basis of the contract and shall be deemed to be incorporated herein, applied to THE UNITED in the event of delay of more than 8 hours.
INSURANCE COMPANY OF PAKISTAN LIMITED (herein after called the "Company") for the insurance herein after set a) Conditions & Limitations:
forth and having paid the premium stated in the UIC Travel & Health Guard Insurance Policy Schedule. i. Insured Person must obtain written confirmation from the carriers or their agents of the actual date
and time of departure and the reasons for delay before a claim is considered.
PARTICULAR CONDITIONS ii. Claims shall be calculated from the actual time of departure of the conveyance on which the insured
person was booked to travel, as specified in the booking confirmation.
Insured Person Means: The person whose name is in the insurance policy issued within the validity period of travel. 9) Loss of Credit Card: If during a trip abroad, the insured were deprived of cash due to loss of credit card,
Insured Family Means: The policy holder, spouse and three children (aged 18 years or less) dependent and the company will advance funds on behalf of the insured up to the limit provided by the referred plan.
permanently residing with the Insured Person. 10) Loss of Passport: In case of loss of the Insured's passport, while abroad, the Company will take charge of the
Immediate Family Member shall Mean: The policyholder, spouse and children (aged 18 years or less) dependent and expenses of the replacements necessary for obtaining a new passport or equivalent consular document.
permanently residing with the Insured Person. 11) Compensation For In-Flight Loss Of Checked-In Baggage: The Company will
Period of Cover: As per purchased insurance programme. supplement the compensation for which the carrier is liable up to the limit provided by
Usual County Of Residence Means: The country where the Policy was issued by the company. the referred plan, as a sum of both compensation payments, for the collection of baggage and
Usual Place Of Residence Means: The home or residence of an Insured in the Usual Country of possessions checked in by each Insured, in the event of loss during the carriage by air performed by
Residence the carrier company, for the purpose of which the Insured shall furnish a list of the contents
Serious Illness: A change in health that requires admission to hospital and which, in the opinion of the Company's including the estimated price and date of purchase of
medical team, which involves also risk of death. each item, as well as the settlement of the compensation payment by the carrier.
Permanent Disability: This shall be deemed to consist of the permanent anatomic loss or lack of functionality or limbs Compensation payment for loss will be calculated according to the procedures recommended by
or organs as a result of an accident. The amount of the indemnity shall be determined by applying to the sum insured international carriage by air organizations.
the percentages as per scale of compensation. The minimum period of time that must elapse for the baggage to be considered to have been
Injury: A medical problem caused by a sudden and severe external reason beyond the control of the Insured, within lost once and for all will be that stipulated by the carrier company shall not be less than 21 days.
this validity period of this policy a) Conditions and Limitations:
Serious Injury: An injury, which is in the opinion of the Company's medical team, which also involves risk of death. Insured shall not be covered for
Cover: The Company will provide immediate material assistance as to the insured as per specified benefits the scope i. Breakage of glass or china unless caused by an accident to the conveyance in which the
of this policy becomes void when the travel causing the acquisition of this Policy ends and/or the Insured arrives at Insured Person is travelling.
his/her usual country of residence, whichever takes place first. ii. Loss or damage caused by moth, vermin, electrical or mechanical breakdown, machinery
Deductible or Excess Means: The amount of expenses or the number of days which are not covered by the Insurer, breakdown, gradual deterioration or wear and tear.
and that are to be paid or supported by the Insured Person before the Policy benefits become payable. iii. Loss of cash, bank or currency notes, cheques, postal orders, charge cards, travel cards,
Premium Means: The price of the insurance that the Policyholder must pay to the Insurer in consideration for the bankers cards, travelers checks, travel tickets, passports, driving licenses, green
coverage of the risk provided for the Insured. cards and petrol or other coupons.
Accident Means: The bodily injury suffered during the life of the contract, which derives from a violent, sudden, iv. Claims resulting from confiscation, requisition, detention, destruction or damage by
external cause and one that is not intended by the Insured. customs authorities or other such officials.
v. Tosses which are not reported to the Police or appropriate authorities within 24
hours of discovery or as soon as is reasonably practicable.
COVERED TRIP vi. Breakage of sports equipment whilst in use or loss of or damage to pedal cycles or
hired equipment.
vii. Loss of or damage to contact, corneal or micro-corneal lenses.
Covered Trip begins when the insured person starts their direct journey from home to the point of exit in their
Insurance covers accidents the Insured may suffer at the means of transport used during the trip, including
usua country of residence. The coverage ceases when the insured person returns home. The duration of the
public means of transport (taxis, buses, microbuses, coaches) used by the Insured to get from his usual
covered trip varies depending on the insurance package or plan selected. These different durations allow place of residence to the boarding point (airport, sea port, bus station) and from the point of arrival to the
travelers to choose a plan that best fits the length and nature of their trips, ensuring they are adequately place of accommodation, as well as the return journey under the same conditions.
covered for the specified period.
12) Accidental Death: Where an accident should lead to the death of the Insured, the Insurer shall pay the
Beneficiary the sum determined for this eventuality.
If, prior to the death, the Insurer has paid an indemnity for Disability, as a result of the same accident and
PERSONAL ASSISTANCE PARTICULAR CONDITIONS this had occurred in less than one year, it shall indemnify the difference between the Amount paid and the
insured sum in the event of death. Should the indemnity already paid out be greater, the Insurer shall not
lay claim to the difference.
Whenever the insured is traveling out of the Usual Country of Residence, the
Company will provide the following benefits:

1) Medical Expenses and Hospitalization Abroad: In the event of illness or injury of the insured occurring,
the Company will meet the usual, customary, necessary and reasonable costs of hospitalization, surgery, LIABILITY CONDITIONS
medical fees and pharmaceutical products, prescribed by the attending doctor
2) Transport or Repatriation In Case Of Illness or of Injury of an Insured: In the event of an
accident or sudden illness, the Company will take charges the cost of transferring or repatriation the 1) Claims intimation will not exceed 60 days from the date of claim occurred or within 30 days after
Insured to a properly equipped health center or to his/her usual country of residence. return to country of residence.
3) Emergency Dental Care: This coverage is restricted to the treatment of pain and infection. 2) In the event of any claim the liability of the Company shall be conditional on the insured claiming
4) Repatriation of Family Member: if the insured be hospitalized for more than 15 days and decease, indemnity or benefit having
the company will meet the costs in respect of an immediate family member or, a person appointed by the Complied with and continuing to comply with the terms of this Policy.
insured and having the same country of residence as the member, considering this person was traveling 3) In the event of a claim under this Policy the Insured shall:-
alone with the insured. a. Take all reasonable precautions to minimize the loss.
5) Repatriation of Mortal Remain: In the event of the death of the Insured, the Company will make the b. As soon as possible telephone the Company to notify the claim stating the Benefits
arrangements necessary for the repatriation of his /her mortal remains, and will meet the cost of the Required at the following:-
transfer expenses to the place of interment, cremation or funeral ceremony at his/her usual country of 1. Freely provide the Company with all relevant information/ document within 60 days
residence. after requiring the same claim will be Entertained afterward.
6) Medical referral/appointment of local medical specialist: Through the company's 2. Make no admission of liability or offer promise or payment of any kind.
call center, the insured will be given access and referred to any agreed medical center or medical 4) The Company is not liable in respect of any benefit which would otherwise be payable
practitioner of the Company's International network. Under this Policy, should there be another insurance.
7) Connection Service: Whilst travelling abroad, the insured person will be entitled to contact the company 5) The Company will not reimburse or consider reimbursing any expenses which where
in order to obtain miscellaneous services, where he is located and in particular rental car referral and Not previously approved.
reservation, legal and administrative information and referral. 6) The Company will not be liable to pay directly to the hospital etc., only the amount paid by insured
will be re-imbued according to the terms
And conditions of the policy.
7) The premium will be refunded only if. The copy rejection letter will furnish along with the Original

UIG House, 1st floor, 1-Upper Mall, Lahore - Pakistan

UAN:(92 42) 111 000 014 Tel: (92 42) 35776475-83.
http://www.theunitedinsurance.com V: 16.1.00
*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.
http://www.theunitedinsurance.com V: 16.1.00
*THIS IS A COMPUTER-GENERATED DOCUMENT AND IT DOES NOT REQUIRE A SIGNATURE OR STAMP.