• Enrollment Age: 18 years to 64 years*
• Coverage Age: 18 years to 65 years*

*Only applicable on Term Life

The premiums are inclusive of all applicable taxes, bank commission, duties etc. Any change in the tax structure or commission will affect the premium accordingly.

• Any kinds of errors in Transactions Recording System; 
• Debiting of customer’s account by amounts in excess of or less than the actual transaction amount; 
• Debiting the account by an amount in excess of the allocated card limit allocated by the bank/ financial institution/ account balance. 
• No cover for any kind of cyber fraud/ liability/ crime related and similar losses. 
• No cover given for losses which were already known to the Insured before the issuance date of this Policy; 
• No coverage for spoofing where customer innocently or knowingly provide confidential bank information; 
• No cover for any mysterious transaction whose cause of loss cannot be ascertained and determined. 
• Any loss not discovered and intimated during the policy period. 
• Any kind of fraud committed by the customer himself/ herself whether alone or in collusion with anyone.
• Any loss resulting directly or indirectly by customer’s sharing the personal information including but not limited to OTP (One-time password), personal account and/ or card details etc. consciously or unconsciously or while under any threat or duress. 
• War, SRCC, terrorism and political risk exclusion, nuclear risks exclusion, communication / infectious disease, Sanction Limitation Exclusion and Money Laundering exclusion.
• Suicide, intentional self-inflicted injury, Murder, assault, assassination, injury sustained through firearm injury, participation in any criminal activity or violation of law.
• Coverage is on incident of fraud occurred and reported within Pakistan and no international incident will be part of the claim.