WHEREAS the insured Person is designated in the Travel Insurance Policy named as "UIC Travel & Health Guard" Schedule hereto having by a proposal and declaration (Medical History and Physician's Report and Certificates, if any), which shall be the basis of the contract and shall be deemed to be incorporated herein, applied to THE UNITED INSURANCE COMPANY OF PAKISTAN LIMITED {herein after called the "Company") for the insurance hereinafter set forth and having paid the premium stated in the UIC Travel & Health Guard Insurance Policy Schedule.

Insured Person Means: The person whose name is in the insurance policy issued within the validity period of travel.

Insured Family Means: The policyholder, spouse and three children (aged 18 years or less) dependent and permanently residing with the Insured Person.

Immediate Family Member Shall Mean:The policyholder, spouse and children (aged 15 years or less) dependent and permanently residing with the Insured Person.

Period of cover:As per purchased insurance programme.

Usual Country of Residence Means:The country where the Policy was issued by the company.

Usual Place of Residence Means:The home or residence of an Insured in the Usual Country of Residence.

Serious Illness:A change in health that requires admission to hospital and which, in the opinion of the Company's medical team, which involves also risk of death.

Permanent Disability: This shall be deemed to consist of the permanent anatomic loss or lack of functionality or limbs or organs as a result of an accident. The amount of the indemnity shall be determined by applying to the sum insured the percentages as per scale of compensation.

Injury:A medical problem caused by a sudden and severe external reason beyond the control of the Insured, within the validity period of this policy.

Serious Injury: An injury, which is in the opinion of the Company's medical team, which also involves risk of death.

Cover: The Company will provide immediate material assistance as to the insured as

Covered Trip: The Covered Trip commences when the Insured Person starts the direct journey from home to the exit point of his usual country of residence and ceases when the Insured Person first returns home. • Covered Trip will be of 92 days (For Diamond, Gold, Silver, Standard, Platinum & Gold plus Packages) only. • Covered Trip will be of 365 consecutive days for students plan only.

Whenever the Insured is traveling out of the usual Country of Residence, the company will provide the following benefits.

1) Medical expenses and Hospiltalization 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, medical fees and pharmaceutical products, prescribed by the attending doctor.

2) Transport or Repatroiation in case of illness or injury of an Insured: In the event of accident or sudden illness, the company will take charges the cost of transferring or repatriating the Insured to a properly equipped health center or to his/her usual country of residence.

3) Emergency Dental care: This coverage is restricted to the treatment of pain and infection.

4) Repatroiation of the family member: If the insured be hospitalized for more than 15 days and decease of the company will meet the costs in respect of an immediate family member or, a person appointed by the insured and having the same country of residence as the member, considering this person was travelling alone with the insured.

5) Repatroiation of mortal remain: In the event of the death of the Insured, the Company will make the arrangements necessary for the repatriation of his/her mortal remains, and will meet the cost of the transfer expenses to the place of interment, cremation or funeral ceremony at his/her usual country of residence.

6) Medical referral/appointment of local medical specialist: Through the company's call center, the insured will be given access and referred to any agreed medical center or medical practitioner of the Company's international network.

7) Connection services: Whilst travelling abroad, the insured person will be entitled to contact the company in order to obtain miscellaneous services, where he is located and in particular rental car referral and reservation, legal and administrative information and referral.

8) Delayed Departure: In the event that transport services on which the Insured person has previously booked to travel and delayed by at least 8 hours. Insurers will indemnify the cost of the additional expenses (transport and hotel accommodation, as well as maintenance as a result of the delay), in case not provided by the Airline.

9) Coverages for Baggage: The guarantees relating to baggage and personal possessions that belong to the insured persons and will be provided according to the terms and conditions. In all cases, the original certification of the carrier or complaint, reporting the occurrence of the loss/accident must be furnished. The minimum period of the time that must elapse for the baggage to be considered to have been lost once and for all, will that stipulated by the carrier company, within a minimum of 21 days. Money, jewellery, debit and credit card, and any type of documents are excluded from this guarantee. The amount compensated by the airline/carrier company will be excluded from the total claimed justified amount.

i) The death, accidental bodily injury or illness of the Insured Person or the death of the Insured Person’s immediate relative.
ii) 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. hi-jack, terrorist act, criminal act, bomb scare, riot, civil commotion, fire, flood, earthquake, landslide, avalanche, adverse weather conditions or mechanical breakdown, provided that the event giving rise to such cancellation occurs, or is only announced.
iii) Major damage rendering uninhabitable, the accommodation in which the Insured Person had previously booked to reside during a Covered Trip.
vi) Refund of policy is allowed only with the submission of rejection letter of the concerned Embassy. Embassy.

1. The 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 under this Section of the Policy. Claims under this Section 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.
2. Breakage of glass or china unless caused by an accident to the conveyance in which the Insured Person is travelling.
3. Loss or damage caused by moth, vermin, electrical or mechanical breakdown, machinery breakdown, gradual deterioration or wear and tear.
4. Loss of cash, bank or currency notes, cheques, postal orders, credit cards, charge cards, travel cards, bankers cards, travelers checks, travel tickets, passports, driving licenses, green cards and petrol or other coupons.
5. Claims resulting from confiscation, requisition, detention, destruction or damage by customs authorities or other such officials.
6. Tosses which are not reported to the Police or appropriate authorities within 24 hours of discovery or as soon as is reasonably practicable.
7. Breakage of sports equipment whilst in use or loss of or damage to pedal cycles or hired equipment.
8. Loss of or damage to contact, corneal or micro-corneal lenses.

1. Claims intimation will not exceed 60 days from the date of claim occurred within 30 days after return to country of residence.
2. In the event of any claim the liability of the Company shall be conditional on the insured claiming indemnity or benefit having complied with and continuing to comply with the terms of this Policy.
3. In the event of a claim under this Policy the Insured shall:-
                          a) Take all reasonable precautions to minimize the loss.
                          b) As soon as possible to telephone the Company to notify the claim stating the Benefits required at the following:-
c) Freely provide the Company with all relevant information/document within 60 days after requiring the same claim will be entertain after ward
d) Make no admission of liability or offer promise or payment of any kind.
4. The Company is not liable in respect of any Benefit which would otherwise be payable under this Policy, should there be another insurance.
5. The Company will not reimburse or consider reimbursing any expenses which were not previously approved.
6. The Company will not be liable to pay directly to the hospital etc., only the amount paid by the insured will bere-imbursed according to terms and conditions of the policy.
7. The premium will be refunded only if the copy of rejection letter will furnish along with the original policy to the insurer.

a) Expenses for pregnancy related medical complications (or) childbirth (delivery expenses) are excluded.

b) Any condition or set of circumstances known to an Insured Person at the time the red Trip was booked (pre-existing conditions).

c) Eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.

d) Events arising from terrorism, mutiny or crowd disturbances.

e) Events or actions of the Armed Forces or Security Forces in peacetime.

f) Wars, with or without prior declaration, and any conflicts or international interventions using force or duress.

g) Those derived from radioactive nuclear energy.

h) Those caused when the Insured takes part in bets, challenges or brawls, save in the case of legitimate defense or necessity.

i) Illness or injuries existing prior to the claim.

j) Those that occur as a result of the participation by the Insured in competitions, sports, and preparatory or training tests.

k) 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 lungs, 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 air ballooning, free falling, gliding and, in general, any sport or recreational activity that is notoriously dangerous. l) Participation in competitions or tournaments organized by sporting federations or similar organizations.

m) Skiing and/or similar sports.

n) The use, as a passenger or crew, of means of air navigation not authorized for the public transport of travelers, as well as helicopters.

o) The accidents deemed legally to be work or labor accidents, consequence of a risk inherent to the work performed by the Insured.

p) The services arranged by the Insured on his/her own behalf, without prior communication or without the consent of the Company.

q) Illness or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy.

r) Death as a result of suicide and the injuries or after-effects brought about by attempted suicide.

s) Those derived from illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance.

t) Those derived from renunciation of 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 and rehabilitation treatments.

u) Prostheses, orthopedic material or thesis and osteosynthesis material, as well as spectacles pregnancy.

v) Those derived from baggage that is not sufficiently well packaged or identified, as well as fragile baggage or perishable products.

w) Assistance or compensation for events that occurred during a trip that had commenced, in any of the following circumstances:-

x) Those derived from pregnancy and childbirth, or for a complication therefore or voluntary termination of Before this insurance comes into force.

i) With the intention of receiving medical treatment.

ii) After the diagnosis of a terminal illness.

iii) Without prior medical authorization, after the Insured had been under treatment or medical supervision during the twelve months prior to the start of the trip.

y) Expenses that arise once the Insured is at his/her usual country of residence, those incurred beyond the scope of application of the guarantees of the insurance. The company is also exempt of liability when, as a result of force majeure, it is unable to put into effect any of the benefits specifically envisaged in this policy.

This Policy is valid for residents of Pakistan who are 65 years and under al inception. Premium without any additional exclusions being applied or changing to the terms & conditions on the following loading scale:-
       for person aged between 66 and 75 years, increasing 50%
       for person aged between 76 and 80 years, increasing 75%
       for person aged between 81 and 85 years, increasing 100%
Pakistan citizen who are married from other countries or pennanent resident people or any expatriate working in Pakistan are covered provided journey commences and terminates in Pakistan.

MAPERE ASISTENCIA,must be contacted immediately, in the event of an Insured dying, incoming medical expenses, being involved m an accident, or being admitted to hospital. The Company will not be liable for any cost without the expressed prior approval of
MAPERE ASISTENCIA,MAPFRE ASISTENCIA will provide a complete medical assistance service to the Insured. Operating 24 hours a day 365 days a year, MAPFRE ASISTENCIA provides effective medical assistance for the insured anywhere m the world and can be accessed
Contact Detail : MAPFRE ASISTENCIA For Gulf Assistance contact: Telephone number in Bahrain: +(973) 17 218899 Fax : +(973) 17 2151n (24 hours)