The largest general insurance company of Pakistan, Adamjee Insurance was established in the year 1960 as a Public Limited Company. From fire and property to marine and travel, Adamjee provides exceptional travel insurance products ensuring a firm place for themselves in the UAE insurance market. The headquarters of Adamjee Insurance is located in Lahore, Pakistan with branches in Karachi as well. It has several branches in the UAE too. Adamjee offers an extensive range of Sharia-complaint products from their general insurance categories. Adamjee travel insurance is one of the top preferred products out of them all. The company offers several types of plans segregated based on the individuals and plan coverage limits.
Features of Adamjee Travel Insurance
- Comprehensive Benefits: From emergency medical expenses to personal accident cover and travel inconvenience benefits, there is nothing that your Adamjee travel insurance plan won’t provide.
- Diverse Options of Coverage: Every type of travel insurance plan offered by Adamjee Insurance offers different package limits. You can choose the coverage that suits you the best. In addition to that, every plan offered in the individual travel insurance category can be bought as a family travel insurance plan as well.
- Worldwide Coverage: Adamjee travel insurance plans offer comprehensive worldwide coverage in their international travel insurance plans. This means that you can travel with exceptional peace of mind to as many destinations as you want.
- Convenient Claim Process: The claim process for Adamjee travel insurance Dubai is smooth. The response time is quick and processing of the claim also does not take a lot of time. You can expect to receive your claim settlement amount within a few days only.
- Specialized Plans: Adamjee travel insurance Dubai offers specially curated plans for individuals, students, families, occasions, and destinations. There are separate plans available for Schengen countries and special plans to cover Hajj visits.
- Customizable Coverage Duration: Adamjee travel insurance plans come with a series of different trip day coverage options. You can increase or decrease the trip days when buying the plan at your convenience.
Adamjee Personal Travel Insurance Plans
The travel insurance plans offered by Adamjee Insurance are divided into four main groups – individual international, student travel insurance, and Hajj, Umrah, and Ziarat Plan. Following is a detailed description of the benefits offered by each of the available plans from this category.
Adamjee International Travel Insurance
There are five different travel insurance plans offered by Adamjee travel insurance UAE in the international travel insurance category – GoSecure Bliss, GoSecure Delight, Schengen Active, Secure Plus, and GoSecure Care. Bliss and GoSecure Delight plans can be bought for any country worldwide including the Schengen countries. While the GoSecure Plus and Care can only be taken for countries included in the list. You can choose to get any of these Adamjee travel insurance plans as individual plans or family plans.
- Adamjee travel insurance GoSecure Bliss plan is one of the exclusive international travel insurance plans offered by the company. It can be bought as both individual and family plans.
- The plan comes with an emergency medical expenses benefit of USD 100,000. This cover also includes emergency medical evacuation in the same assured sum amount. You also get an emergency dental expense benefit of USD 500.
- GoSecure Bliss is also the only international travel insurance plan that covers compassionate visit expenses for a family member in case the policyholder is sick.
- Adamjee travel insurance GoSecure Bliss plan offers benefits of USD 8,000 as personal liability cover for any third-party liability that happens to arise during the trip.
- Repatriation benefits for transportation of the mortal remain in case of the policyholder’s demise.
- Adamjee insurance GoSecure Bliss plan comes with an accidental death cover benefit of USD 50,000 for the policyholders.
- Standard baggage delay benefit of USD 150 after applying the standard waiting period of 8 hours.
- Baggage loss benefit of USD 1000 with a limit of 10% on each item lost from the baggage.
- Adamjee travel insurance GoSecure Bliss plan also includes trip cancellation and curtailment cover benefits of USD 400.
- Flight delay benefit of USD 300 after applying the standard 12-hour excess time.
- Other benefits of Adamjee insurance GoSecure Bliss plan include loss of travel documents of USD 300.
GoSecure Secure Delight
- GoSecure Secure Delighttravel insurance plan from Adamjee insurance is the basic version of individual travel insurance plans.
- It comes with an emergency medical insurance benefit of USD 500,000 which is inclusive of emergency medical evacuation services as well. You will also receive a benefit of USD 300 for emergency dental care services and treatment during your trip.
- The personal liability coverage limit of Adamjee travel insurance Ultimate plan is set at USD 5,000.
- Accidental death and disability benefit of USD 4500 which does not include compensation benefit for partial or complete paralysis cases.
- In case of the policyholder’s demise while on the trip, the Adamjee insurance Ultimate plan offers repatriation of the mortal remains of the deceased.
- Standard travel-related benefits include baggage loss benefit of USD 500, trip delay benefit of USD 50 per hour, trip cancellation and curtailment benefit of USD 300, and flight delay benefit of USD 200.
- Adamjee travel insurance GoSecure Secure Delight plan also comes with loss/theft of travel document benefit of USD 200.
GoSecure Schengen Active
- Schengen travel insurance plan from Adamjee insurance is available as both individual and family travel insurance plan. It is ideally designed to fit all travel insurance requirements essential to travel in the Schengen group of countries.
- It comes with an emergency medical expense cover benefit of EURO 30,000 which includes expenses related to accidents and sickness. It also includes emergency medical evacuation expenses for the policyholder.
- In case of the policyholder’s demise, the Schengen Active plan from Adamjee travel insurance UAE will cover the repatriation expenses of the mortal remains.
- Other medical emergency-related benefits available with this plan include delivery of medicine benefits, worldwide medical assistance, and dental care of up to EURO 250.
- The accidental death benefit offered with the plan is capped at EURO 2500.
GoSecure Secure Plus
- Adamjee travel insurance GoSecure Plus plan is a basic level international travel insurance plan. It can be bought as both individual and family travel insurance plans.
- The GoSecure Secure Plus plan from Adamjee Insurance offers an emergency medical treatment benefit of USD 25,000. It includes the expenses for emergency medical evacuation benefits for the policyholders as well. The plan also offers emergency dental treatment benefits of up to USD 200.
- Accidental death and disability benefit of the Adamjee travel GoSecure Secure Plus plan is set at USD 1500.
- The GoSecure Plus plan covers the repatriation expense of the mortal remains in case of the policyholder’s demise. The covered expense limit is capped as per the emergency medical expenses benefit amount of the plan.
- Basic flight-related benefits of the Adamjee GoSecure Plus plan include baggage delay benefit of USD 60, trip cancellation or curtailment benefit of USD 200, trip delay benefit of USD 150 after 12-hour waiting, and credit loss or fraud benefit of USD 200.
- Personal protection benefits of Adamjee travel GoSecure Secure Plus plan include loss of personal money benefit of USD 300, loss of travel documents benefit of USD 150, and loss of baggage benefit of USD 300.
- GoSecure Care is the most basic international travel insurance plan available with Adamjee travel insurance UAE. The plan is designed to be affordable and yet meet the needful conditions laid out by different countries for travel insurance for tourists.
- The GoSecure Care plan can be taken to travel any country except for Schengen countries and excluded countries.
- The GoSecure Adamjee travel insurance plan comes with an emergency medical expense benefit of USD 10,000. It also includes repatriation of the mortal remains and emergency medical evacuation for the policyholder.
- Other medical benefits of the plan include the return of the dependent child, delivery of the medicines, and 27x7 worldwide medical support and assistance.
- The plan also provides an accidental death benefit worth USD 1000.
- Travel inconvenience-related benefits here include baggage loss for USD 200, baggage delay for USD 50, flight delay for USD 100, and passport loss for USD 100.
- The GoSecure Care plan from Adamjee travel insurance Dubai also offers a personal liability cover benefit of USD 2000.
Adamjee Insurance Student Travel Insurance
As evident, these international travel insurance plans are designed specifically for students who are going abroad. All three types of student travel insurance plans come with the option of getting the tuition fee covered by the insurance company as well. The policyholder is free to take or leave this benefit.
- The top-level student travel insurance plan from Adamjee travel insurance UAE, Student Bliss comes with an emergency medical expenses benefit of USD 100,000.
- The plan also includes emergency dental expenses up to the limit of USD 500.
- Emergency medical evacuation expenses and repatriation of the mortal remains expenses are covered in full.
- The Student Bliss travel insurance plan also offers an accidental death benefit of USD 10,000.
- Travel inconvenience-related benefits include baggage loss benefit of USD 300, passport loss benefit of USD 200, and optional tuition fee cover benefit of USD 30,000.
- The smaller version of the Student Bliss travel insurance plan, the Student Delight plan is a more affordable international travel insurance plan for the students.
- It comes with emergency travel expenses benefit of USD 50,000 and an emergency dental expense benefit of USD 300.
- The medical evacuation expenses and the repatriation of the mortal remains expenses are covered as per their actual cost.
- The Student Delight plan also offers an accidental death benefit of USD 5000 for the policyholder.
- Adamjee travel insurance plan for students offers travel inconvenience benefits like baggage loss for USD 150 and passport loss benefits for USD 100.
- Tuition fee cover benefit of USD 20,000 is also available as an optional benefit.
- The Student Basic plan from Adamjee travel insurance UAE is a student travel insurance plan for Schengen countries. It is designed as per the minimum travel insurance requirements set by the authorities.
- The emergency medical expenses benefit included in this plan is capped at EURO 30,000 while the emergency dental care benefits are capped at EURO 150.
- Both repatriations of the mortal remains expenses and emergency medical evacuation expenses are covered as per their actual costs.
- The plan also offers an accidental death benefit of EURO 3000.
- Travel inconvenience benefits include baggage loss cover benefit of EURO 100 and passport loss benefit of EURO 50.
- The optional tuition fee cover benefit of EURO 10,000 is also available in the plan.
Hajj, Umrah & Ziarat Travel Insurance Plan
- A special plan designed for trips taken to Hajj Umrah and Zirat during the year. This plan can be taken as an annual trip plan in both individual and family plan forms.
- This Adamjee travel insurance plan includes an emergency medical expense benefit of USD 10,000. This includes OPD, sickness, and in-patient treatments.
- A separate cover for emergency dental expenses is also available, capped at USD 300.
- Other medical benefits included in the plan are emergency medical evacuation, repatriation of the mortal remains, return of dependent children, and medicine delivery.
- The Hajj, Umrah & Ziarat Travel Insurance Plan also includes an accidental death benefit of USD 1000 which may also include compensation for permanent or total disabilities.
- Travel inconvenience-related benefits include baggage loss, baggage delay, flight delay, passport loss, and credit card loss.
Adamjee Travel Insurance UAE Exclusions
- Any pre-existing medical conditions, maternity-related conditions, and critical illnesses.
- Suicidal injuries or self-inflicted injuries.
- Injuries or damages done when under the influence of alcohol.
- Injuries and damages when participating in excluded activities.
- Medical expenses when traveling for treatment.
- Traveling when advised otherwise by the doctor.
- Loss arising out of war-like situations like riots, strikes, and invasions.
- Loss due to radioactive activities and blasts.