Home trip
Introduction
Planning a trip back home should be joyful, not stressful. Our Home Trip Travel Insurance is specially designed for expatriates traveling to Pakistan to visit family, friends, or for business. With easy online purchase and comprehensive coverage, you can enjoy peace of mind knowing you’re protected against medical emergencies, unforeseen travel disruptions, and accidental loss while abroad.
Plans & Coverage
Our home trip travel insurance offers a wide range of benefits so that every part of your journey is safeguarded:
- Accidental Death & Permanent Disability
- Hospitalization & Medical Expenses in Pakistan
- Medical Transport or Repatriation in case of injury or illness
- Emergency Dental Care
- Repatriation of Family Member traveling with you
- Repatriation of Mortal Remains
- Return of Dependent Children
- Emergency Return Home due to the death of a close family member
- Loss of Passport
- Trip Cancellation
- Delayed Departure Compensation
- Loss of Checked-In Baggage
- Delayed luggage arrival compensation
Daily travel and stay allowance for one immediate family member
You can choose coverage as an individual or as a family plan depending on your travel needs.
Product Features
- Family-Wide Medical Coverage: 100% limit for all family members for medical expenses and hospitalization.
- Accidental Protection: Up to 50% coverage for spouse and 25% for each child in case of accidental death or permanent disability.
- All-Inclusive Pricing: Premiums include all applicable taxes and levies, so what you see is what you pay.
Value Added Services
- Dedicated Toll-Free Support: Quick assistance for claims, queries, complaints, and feedback.
- Simple Online Purchase: Fast, step-by-step online buying process.
- Flexible Payment Options: Pay with credit/debit card or cash on delivery.
- Speedy Claims Process: Get timely support when you need it most.
- Instant Policy Delivery: Your policy is issued in real time after payment is completed.
Major Exclusions
- While coverage is broad, certain situations are not covered. These include:
- Claims arising from non-compliance with health conditions specified in the policy
- Pre-existing conditions, pregnancy, or relapse illnesses
- Government actions, itinerary changes, or provider default
- Failure to obtain required passport or visa
- Events known before booking that could cause cancellation
- Airport departure duty and certain irrecoverable payments
- Bodily injury or illness without a medical certificate
- Other policy exclusions as detailed in the full policy document (Download policy wording for complete details)
Benefits
| Coverage | Schengen Compliant | Multi-Purpose |
|---|---|---|
| Accidental Death & Permanent Disability | US$15,000 | US$10,000 |
| Medical Expenses & Hospitalization Abroad | US$50,000 | US$10,000 |
| Transport/Repatriation | US$50,000 | US$15,000 |
| Emergency Dental Care | US$750 | US$500 |
| Repatriation of Family Member | US$3,000 | US$1,500 |
| Repatriation of Mortal Remains | US$5,000 | US$5,000 |
| Return of Dependent Children | US$5,000 | US$5,000 |
| Emergency Return Home | US$5,000 | US$5,000 |
| Loss of Passport | US$250 | US$100 |
| Trip Cancellation | US$500 | US$250 |
| Delayed Departure | US$500 | US$250 |
| Loss of Checked-In Baggage | US$500 | US$250 |
| Luggage Delay Compensation | US$250 | US$100 |
| Travel & Stay Benefit | US$100/day up to 10 days | US$100/day up to 10 days |
Coverage Duration & Limits
- Maximum Stay Limit: Up to 92 days per single trip
- Excess Details:
- Medical Expenses & Hospitalization: USD 100 per loss
- Trip Cancellation: USD 35 per loss
- Delayed Departure: 8 hours threshold required
Premium Table
Schengen Compliant Plan
| Tenure (Days) | Stay Limit | Individual (PKR) | Family (PKR) |
|---|---|---|---|
| 7 | 7 | 2,850 | 4,450 |
| 14 | 14 | 4,950 | 7,500 |
| 21 | 21 | 6,950 | 10,250 |
| 31 | 31 | 8,450 | 12,250 |
| 62 | 62 | 13,300 | 17,850 |
| 92 | 92 | 19,300 | 27,100 |
| 180 | 92 | 22,700 | 40,300 |
| 365 | 92 | 27,100 | 51,350 |
Multi-Purpose Plan
| Tenure (Days) | Stay Limit (Days) | Individual (PKR) | Family (PKR) |
|---|---|---|---|
| 7 | 7 | 750 | 1,100 |
| 14 | 14 | 950 | 1,500 |
| 21 | 21 | 1,400 | 2,100 |
| 31 | 31 | 1,900 | 2,850 |
| 62 | 62 | 3,300 | 5,800 |
| 92 | 92 | 6,550 | 10,000 |
| 180 | 92 | 9,200 | 18,800 |
| 365 | 92 | 11,100 | 22,000 |