• The Insurer may alter this policy or any of the attached endorsements/schedules from time to time but no alteration shall take effect until the next annual renewal of this policy.
• The Insurer shall notify such issue replacement to the assured where appropriate, shall change endorsements/schedules.
• The Insurer reserves the right to revise or cancel this policy with effect from any renewal date.
• This policy can only be varied in writing. No variation will be admitted unless it is in writing and signed on the company's behalf by an authorized Assured.
• During the year, product subscription cannot be canceled, if any claim is paid by the Insurer.
• Age eligibility is till 65 years.
• Claim will be paid in Pak rupees.
• Geographical limit to Pakistan.
• Premium of PKR 1200/- will be deducted every month.
• Policy can only be canceled after a month if no claim arises.
• Each claim will be paid after 30 days.
• Bike and car theft claims will only be settled after the submission of PFIR (Police Final Investigation Report)

Exclusion for Health Insurance Policy

• This insurance policy does not cover claims arising directly or indirectly from or consequent upon the following: Office Birth / congenital defects or illness of any nature whatsoever unless specifically agreed under a separate endorsement attached to the policy.
• KAmite Costs resulting from self-inflicted injury, attempted suicide, abuse of alcohol or drug addiction. Psychotic, mental, or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations) or sexual reassignment (whether or not for psychological reasons).
• Pre-existing conditions prior to the effective date of an insured person's inclusion in this policy cover unless the condition has been declared to and accepted by the company in writing.
• Treatment or investigation of fertility, infertility, sterilization or contraception and any complication relating thereto or hormone treatment and investigations.
• Participation in or training for any dangerous or hazardous sport, pastime sports or competition or riding or driving in any form of race or competition or any professional sport.
• Injuries as a result of an illegal act other than a minor misdemeanor or minor delinquency by the insured person. Injury or treatment resulting from war, riots, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting on or on behalf of or in connection with any organization actively directed towards the overthrow or to the influencing of any government or ruling body by force, terrorism or violence.
• lionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste, from the process of nuclear fission, or from any nuclear weapons material.
• Services or Treatment in any spa, hydro clinic, sanatorium, nursing home, or long-term care facility that is not a Hospital.
• Acquired immune deficiency syndrome (AIDS), AIDS-related complex syndrome (ARCS), and all diseases caused by and or related to the HIV virus or any other sexually transmitted disease.
• Experimental or unproven treatment.
• Cost of correction of refractive errors of the eye and procedures such as Radial Keratotomy and Eximer Laser.
• Routine medical examinations or check-ups including charges arising out of any hospital confinement or admission primarily for diagnostic purposes, unless specifically authorized by the Company, routine eye or ear examinations, vaccinations, medical certificates, examination for employment or travel, spectacles, contact lenses, hearing aids and any treatment that is not considered medically necessary.
• Cosmetic or plastic surgery, unless it is re-constructive surgery necessitated by an Injury that occurred during the period whilst the insured person was covered under this policy and subject to the limits and sub-limits stated in the structure of benefits.
• Pregnancy and complications thereof, childbirth (including surgical delivery), miscarriage, abortion, and/or any related prenatal or postnatal care unless covered under a separate rider under this policy. Any Out-patient Treatment, except that arising out of an Accident, which is provided under the benefit of Emergency Accidental Out-patient Cover.
• Any charges in respect of the donor for organ transplant claims.
• Prostheses, corrective devices, and medical appliances.
• Aviation other than as a fare-paying passenger of a recognized airline or charter service.
• Personal comfort items such as charges for telephone, meals for other than the patient, or other items not medically necessary.
• Treatment received outside Pakistan.
• Natural catastrophes including, but not limited to, floods, earthquakes, avalanches, and cyclones.
• Hospitalization for pain management only without any surgical or disease-modifying treatment given for the underlying medical condition
• Medical conditions consequent upon any epidemic or pandemic
• Covid-19 Exclusions

Exclusion for Mobile Insurance Policy

• Loss of Mobile Phones arising from atmospheric and climatic conditions will not be considered.
• Loss due to mysterious disappearance and/or unexplainable circumstances

Exclusions for Vehicle Insurance Motorcycle Theft Policy

The Insurer shall not be liable to make any payment in respect of losses due:

• Accidental external means
• Fire, external explosion, self-ignition ot lightning or frost.
• Malicious act
• Riot, strike
• Act of God (earthquake and atmospheric disturbance)
• Liabilities of any sort due to use of motorcycle /motor car howsoever established.
• Consequential loss depreciation wear and tear mechanical or electrical break-downs failures or breakages
• Theft of tires, battery, or any other part or accessories of Motor Cycle / Vehicle.

Limits for Optical (Spectacles only)

• The liability of the Insurer under this Policy during any one period of Indemnity shall not exceed 50% of invoice value subject to a maximum of PKR 14,000 per event.
• Maximum 2 losses will be paid during the policy period.
• Only one pair of medically prescribed glasses-can be covered under this policy at any one time.
• In the event of Spectacles being lost due to violent theft or robbery, it will not be covered under this policy.