Travel Insurance

Travel Insurance

Travel Sure offers an enhanced policy for Schengen states and all Worldwide destinations, now covering you for up to US$ 100,000 for medical expenses abroad for both hospitalization and out-patient treatment. It is the finest travel plan that has been specially tailored according to your traveling needs and in order to make your journey stress free with the assurance that any and all emergencies will be taken care of in a prompt and professional manner.

In collaboration with International SOS, we offer International healthcare services through a dedicated Call- Collect Number: +97146018824 available from anywhere in the world.

Sign up with Travel Sure and avail a bouquet of Free Assistance services!

  • Telephone Medical Advice
  • Medical Service Provider Referral
  • Arrangement of Hospital Admission
  • Worldwide Consulate and Embassy Referrals
  • Medical Translation Services
  • Delivery of Essential Medicine
  • Arrangement of Emergency Medical Evacuation and Repatriation
  • Arrangement of Compassionate visit
  • Arrangement of Return of Minor Children
  • Arrangement of Accommodation
  • Interpreter Referral
  • Lost Luggage and Passport Assistance
  • Legal Referrals
  • Emergency Travel Service Assistance
  • Emergency Document Delivery
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General Policy Exclusions

We will not pay any claim, which results from loss or damage to Property or expense, directly or indirectly caused by:

1.Medical expenses arising out of Pre-existing Conditions.
2. Insured Persons traveling abroad to obtain medical treatment as a consequence of accident, illness or Pre-existing Conditions.
3. Any expenses for medical evacuation or repatriation if the Insured Person is not suffering from a Serious Medical Condition and can be treated locally.
4. Any expenses for medical evacuation or repatriation where the Insured Person can travel without a medical escort.
5. Any treatment or expenses related to childbirth, miscarriage or pregnancy.
6. Any loss sustained while the Insured Person is participating in any professional/extreme sport or engaging in any nonscheduled flight.
7. Any expenses incurred as a result of a self-induced injury, suicide, drug addiction or abuse, alcohol abuse, or sexually transmitted diseases.
8. Any expenses related to the Insured Person engaging in the commission of an unlawful act.

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Personal Accident Insurance

Ensure personal safety for you, financial security for your loved ones with IGI Insurance Personal Accident Insurance Cover.

Personal Accident policy covers you against;

Accidental Death:
In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) is compensated with the Sum Insured.

Permanent Total Disablement (PTD):
Personal Accident pays compensation against the permanent and total loss of limbs, sight etc. due to an accident.

Scale of Benefits

  • Accidental Death 100%
  • Permanent Disablement
  • Death Only 100%
  • Loss of two limbs or both eyes or one limb and one eye 100%
  • Loss of arm above the elbow 50%
  • Loss of arm below the ebow 45%
  • Permanent total deafness (both ears) 50%
  • Permanent total deafness (one ear) 25%
  • Loss of one eye 50%
  • Loss of thumb 17.5%
  • Loss of index finger 12.5%
  • Loss of any other finger 5%
  • Loss of leg above knee 50%
  • Loss of leg below knee 35%
  • Loss of great toe 5%
  • Loss of another toe 3%

What is the age eligibility to apply for Travel Sure?

In Regular Plans, we cover you upto 65 years.

For age between 66-75 years, Senior Citizens Plan would apply.

In Regular family plan the spouse is covered upto 65 years, and children from 1 month to 18 years.

How many members are covered under Family plan?

Family plan includes the Insured, Spouse and 3 Children aged one month up to the age of 18.

For any additional child, premium loading applies.

Under the Family Plan what is the entitlement among family members for Accidental Death & Permanent Total Disability?

100% medical expenses limit is assigned for each family member up to the age of 65 if the family plan option is availed.

100% medical expenses limit is assigned for each family member in Senior citizens family plan, age brackets applicable as per the plan selected.

50% Accidental Death and Permanent Total Disability limit is assigned for Spouse, and 25% of the same for Children covered under Family Plan.

Who do I call in case of a medical emergency and travel assistance?

You would need to contact our International Health care service providers, International SOS at +97146018824 for any medical emergency and travel assistance.

Which Travel Sure plans are approved by Schengen States?

In Regular Plan, Majestic +, Majestic and No icing are approved by Schengen States.

In Senior citizens, Majestic Plan is approved by Schengen states.

In students Plan both Edison and Newton plans are approved by Schengen States.

What is the maximum stay per trip in an Annual (Multi trip) plan?

Maximum stay per trip in an Annual (multi trip) plan is 60 days.

Why is the Students plan recommended if I am traveling on students visa?

Students Plan offers you two additional benefits which are not available in a Regular Travel Sure Plan:

Optional Benefit of Tuition Assurance can be availed, whereby we cover you in case you are unable to pay the tuition fee due to the Accidental Death or Permanent Total Disability of your sponsor.

Annual plan would cover you for the full year without the need for you to come back after 60 days as in the case of Regular Annual Multi trip plans.

What if the family members are not traveling together?

Under family plan, single trip policy, all family members are covered for that particular insured journey, and would be traveling together.

In annual multi trip, under family policy, the primary insured should accompany any of the family members covered under the policy, and in which case the travel destination would be the same as well.

What do we mean by Common Carrier?

Common carrier is any land, water or air conveyance operated under a valid license for the transportation of passengers for hire.

How does the compensation for the Loss of Luggage coverage work? If the airline provides some compensation will coverage still apply under the insurance policy?

Benefits are limited to the loss of checked in baggage, which is in the care, custody and control of Common Carrier, lost due to theft or misdirection by a common carrier whilst the insured is a ticketed passenger on the Common carrier and during the course of an insured journey.

We will reimburse based on the maximum shown in the Schedule of Benefits, for the cost of replacement of the baggage and its contents. The amount of compensation will be in excess of any amount paid or payable by the Common carrier responsible for the loss.

In case of claim, please follow the procedure given below:

  • Call us at our toll free insurance helpline number at 0800 -2-43-34 to register your claim
  • Submit documents to IGI Insurance at the following address:

IGI Insurance Registered & Head Office
7th Floor, The Forum,
Suite 701-713, G-20, Block 9,
Khayaban-e-Jami, Clifton,
Karachi – 75600, Pakistan.
Phone: (+92-21) 111-234-234
Fax: (92-21) 111-567-567, 5301729

Admissible claims will be settled by IGI Insurance within 7 days of receipt of all completed documents.

Documents Required:

Accidental Death

  • Death Certificate from concerned Municipal Office
  • Death Certificate from Hospital/Doctor
  • Burial Certificate
  • Police Report

Permanent Total Disability:

  • Doctor 's or Hospital report that states and approves the state of disability
  • Xrays
  • Police Report
  • Copy of CNIC

Please note that this is an indicative list and some other documents may be required at the time of claim settlement.

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