Domestic Travel
Introduction
Travel across Pakistan with confidence and peace of mind. Domestic Travel Insurance (Domestic ViaCare) offers tailored protection for travelers taking domestic flights, covering key risks including medical emergencies, accidents, and travel inconveniences so you can enjoy your journey with greater reassurance.
Plans & Coverage
You can choose between two plans based on the level of coverage you need:
- Gold Plan — Coverage limit up to PKR 500,000
Platinum Plan — Coverage limit up to PKR 1,000,000
Coverage Summary
The Domestic ViaCare policy provides the following protections for both plan options:
- Personal Accident — coverage for accidental death and permanent disability
- Accidental Medical Reimbursement — reimbursement of medical costs due to accidental injury
- Emergency Medical Evacuation — transport to appropriate medical facility
- Repatriation of Mortal Remains — in case of natural death
- Loss of Baggage — compensation for checked baggage loss
- Loss of CNIC — coverage for loss of identification card
Product Features
- Speedy claims processing — fast turnaround for eligible claims
- Bundled coverage — designed for domestic air travel needs
- Real-time policy delivery — receive your membership document instantly upon payment
- Multiple payment options — including credit/debit card and cash on delivery
- Dedicated toll-free support for claims, feedback, and inquiries
Major Exclusions
The policy does not cover the following:
- Pre-existing medical conditions, pregnancy, convalescence, or relapse illnesses
- Claims for valuables or personal money in checked baggage
- Loss or damage due to delay, confiscation, or detention by customs or authorities
- Partial loss/damage to checked-in baggage
- Items already reimbursed by another insurer or airline
- Business goods, tools of trade, and work-related items
- War and acts of terrorism
- Other exclusions as detailed in the insured membership document
Benefits (PKR)
| Benefit | Platinum Plan | Gold Plan |
|---|---|---|
| Accidental Death & Permanent Total Disability | 1,000,000 | 500,000 |
| Accidental Medical Reimbursement | 50,000 | 25,000 |
| Emergency Medical Evacuation | 30,000 | 15,000 |
| Repatriation of Mortal Remains (Natural Death only) | 15,000 | 15,000 |
| Loss of Baggage | 7,500 | 3,500 |
| Loss of CNIC | 2,000 | 1,500 |
Premium Table (PKR)
The contribution amount depends on the duration of your domestic trip (for air travel only):
| Tenure (Days) | Platinum Plan (PKR) | Gold Plan (PKR) |
|---|---|---|
| Up to 7 Days | 200 | 110 |
| 8–14 Days | 400 | 220 |
| 15–21 Days | 600 | 330 |
| 22–30 Days | 800 | 440 |
Key Terms
Eligibility Age: Coverage available for ages 18 to 65; for ages 66–70, call customer support to confirm eligibility.
Non-Filer Tax: A 4% additional withholding tax applies for non-filers.
Contribution: Premiums and coverage limits vary based on the plan chosen and duration of the trip.
Claims Payments: All claims and benefit payments are made in Pakistani Rupees only
How It Works
Your domestic travel insurance becomes effective from the time of departure from your home city for a domestic flight and remains valid until your return. If a covered event occurs during this period, you can file a claim under the limits applicable to your chosen plan.