A Comprehensive Motor Policy covers your vehicle against:

• Accidental damage
• Snatching
• Theft
• Third Party legal liability
• Terrorism
• Fire
• Explosion
• Self ignition
• Lightening, Earthquake, Flood, typhoon, Hurricane, Storm, Frost, Hailstorm, Cyclone, Land/Rock Slide.

Yes, you can have the vehicle repaired at the workshop of your own choice. With an IGI approved workshop the bill is directly settled by the company, however if it’s not on IGI’s approved list, then the bill will be reimbursed by the Company to you as per terms and conditions of the policy.

Accidental damage and theft /total loss claims are settled within 5 working days after submission of the completed Claim Form and all required documents.

Please contact your nearest IGI branch or call us on our toll free number 0800-2-34-34 and you would be assisted by our call center representative for registration of the claim with the relevant branch.

The policy should be taken in the name of the registered owner of the vehicle.

Insurance can be taken for an unregistered vehicle however, the policy becomes null and void if the registration documents are not provided with 15 days.

Yes, the policy may be transferred to another immediate family member provided that they have a valid driver’s license along with the registration of the vehicle transferred in their name.

The cover shall start as soon as the premium is paid and confirmation is received for realization of the cheque from the bank.

The renewal notice shall be sent to you one month prior to the expiry of the policy after which you may contact the relevant branch for renewal of the policy.

The policy may be cancelled by informing the relevant branch through letter stating the reason for cancellation and the date from which the policy is to be cancelled .The original policy & certificate of insurance will also be returned with the letter.

Key exclusions under the policy are:

• Wear & Tear
• Mechanical / Electrical Break down
• Consequential Loss
• Loss/damages due to War, Mutiny or Nuclear Risks
• Any Loss out of geographical area
• Loss arising from theft or criminal act or breach of trust by the Insured’s driver or known person

• Completed Proposal Form
• Copy of CNIC of registered owner of the vehicle
• Valid Driving License
• In case of new vehicle Manufacturer’s & Sales Invoice, Tax Paid Challan
• Copy of Registration Book
• Inspection Report

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.

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.

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.

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

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.

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

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.

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.

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

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.

At policy inception of cover, a Health Card is issued to each insured employee with essential information about the employee and his dependants with benefits available to them.

The insured persons are allowed to go to any nearest hospital in case of emergencies (where the health condition of an employee changes suddenly which warrants immediate medical attention). But in all such cases they must inform the Company through their employer within 24 hours of such a happening together with the name of the hospital and the doctor.

If advised hospitalization, the insured is authorized to use any of our network hospitals for treatment by simply presenting the IGI-Health Card a copy of which will be retained by the attending hospital and the necessary medical services will be extended to the insured patient. The insured patient will not be required to pay any bills to these network hospitals.

The hospitals run by the government (federal, provincial, municipal, district) and armed forces of Pakistan are approved by us for treatment. However, no credit arrangements exist at such hospitals and employees do not need to take our prior approval for using these hospitals. The employees will have to settle the bills at these hospitals and then seek reimbursement from us.

Hospitalization bills of a non-approved hospital will be reimbursed according to the rates/charges of an approved hospital in the same town/city.

Documents required would be:

• Original bill receipts
• Copies of lab reports (if performed)
• Copy of discharge card along with a proper signed & stamped claim form
• Professional Entertainers

The insured must first pay the hospital expenses/consultant/doctor's fee/laboratory charges and cost of medicines on their own. Subsequently through your employer you need to submit these bills to IGI for reimbursement on periodical basis.

We in turn reimburse the amounts to the employer for disbursement to the insured persons; provided OPD cover is available through OPD benefits.

Claims under Fire

Burglary Claims / Money Insurance

Machinery Breakdown

Electronic Equipment

Claims under Fire

Burglary Claims / Money Insurance

Machinery Breakdown

Electronic Equipment