uic

ARY Sahulat Wallet add value to the life with Loyalty Offerings on every spending. It offers an array of benefits specifically for the customer’s lifestyle to live to the fullest & to provide special deals & loyalty benefits on every spending. ARY Sahulat Wallet offers Loyalty savings in Gold & Diamond Jewelry on spending & ARY sahulat wallet is now offering it’s services worldwide. Brands internationally getting the better exposure than before. It is the most secure, convenient, digital & physical payment solution.

ARY Sahulat Wallet has now partnered with United Insurance Pakistan Pvt Ltd. to make customer’s more secure with rewarding.

On purchase of Motor Insurance, customers will be entitled to get ARY Sahulat Wallet membership & on eligibility customer can Save Gold 80% on the gross premium at the completion of the Policy (Terms & Conditions Apply).

Segment of Motor Insurance

We provide Takaful Coverage for the following classes of vehicles:

- Private Vehicles
- Commercial Vehicles
- Motorcycles
- Third Party Liability

Product Features:

The product is offered in the form of the following three classes for all the above classification of vehicles:

“Act Only” Liability Policy This policy provides coverage against Participant’s liability as required by chapter VIII of the Motor Vehicles’ Act 1939. The coverage includes, liability of the Participant against Death &/or Bodily Injury to the Third Party arising out of the use of the vehicle. This policy however, does not cover the loss or damage to the Participant’s own vehicle or to the vehicle/property of any third party.
Third Party Legal Liability Provides cover for any legal liability arising out of the use of the vehicle for:
- Accidental death / injury to any third party
- Any damage to property owned by third party
Comprehensive Policy A policy designed to cover the risks of liability as well as loss of or damage to Participant’s own vehicle. The policy provides coverage against perils like:
- Damage to vehicle by accidental external means, fire, lightning,explosion, self-ignition, burglary housebreaking.
- Riot & strike and malicious acts.
- Riot & strike and malicious acts.
- Earthquake, flood, inundation, cyclone, etc.
- Landslide/ rockslide while in transit by rail, road, air, inland water ways, lift or elevator.
Geographical Area/Limit The policy covers use of vehicle within the geographical areas/limit of Pakistan.
Value Added Service The policy covers use of vehicle within the geographical areas/limit of Pakistan.
- Free towing to the nearest workshop
- Get your car repaired from the workshop of your own choice
- ARY Sahulat Wallet partner, United Insurance Pakistan claims experts will help in getting the final police investigation police.
- No hidden taxes & charges
- We commit to settle all theft and total loss Claims within 30 days after reporting/submission of requisite documents.
- Estimate approval in 24 hours of vehicle reaching garage.
- Cashless claim service* at authorized network garages.
- Help line for any policy queries and claims intimation.
- Value-added services like Towing / Ambulance / Claim Assistance, on a Best-effort basis.
- Hassle free claim settlement.
Premium Premium rates vary from case to case depending upon the risk exposure and the use of the vehicle.

Please note

* For Save Gold campaign inquiries/claims, ARY Sahulat Wallet is responsible

* For Insurance inquiries/claims, United Insurance Pvt. Ltd. is responsible

ARY Sahulat Wallet add value to the life with Loyalty Offerings on every spending. It offers an array of benefits specifically for the Customer’s lifestyle to live to the fullest & to provide special deals & loyalty benefits on every spending. ARY Sahulat Wallet offers Loyalty savings in Gold & Diamond Jewelry on spending & ARY sahulat wallet is now offering its services Worldwide. Brands internationally getting the better exposure than before. It is the most secure, convenient, digital & physical payment solution.

From Grocery to Gold ARY Sahulat Wallet is making convenience to both Customers & Brands

- TRAVEL & TOURS PACKAGES
- RESTAURANTS HOTELS
- GOLD & DIAMOND & SO MUCH MORE
- FASHION
- GROCERY
- ONLINE SHOPPING

ARY Sahulat Wallet has now partnered with United Insurance Pakistan Pvt Ltd. to make customer’s more secure with rewarding.

On purchase of Family Health Insurance, customers will be entitled to get ARY Sahulat Wallet membership & on eligibility customer can Save Gold 80% on the gross premium at the completion of the Policy (Terms & Conditions Apply).

Why Is Health Insurance Important?

Health insurance has become a necessity today and it plays a major role in healthcare. This is because an unfortunate event of (Disease) Illness or Accident (Injury) may strike at any time and in such cases medical expenses can become unaffordable. Health insurance can prove to be a source of support by taking care of the financial burden that a family may have to go through.

Health insurance takes care of you in such circumstances. It will help you tackle such situations with ease by providing you & your families with timely and adequate medical care. The financial burden of huge medical bills is taken care of by the health insurance you have purchased.

Family Health Secure – Gives you Choice, Convenience and Care. Family Health Secure policy offers health insurance plans that are designed for families who wish to provide financial protection to themselves and their dependent family members against medical expenses arising due to sickness and accidents. With us you can have peace of mind that your most valuable asset Health is taken care of. This Package covers treatment through its panel of hospitals, where you and your family will receive appropriate treatment in case of an unfortunate ailment or accident without paying anything to the hospital. (Cashless Facility)

Overview – Taking all Health Worries off you

- Gives you Choice, Convenience and Care
- Comprehensive branded scheme offering value added features and complete solution for all health worries.
- A vital tool in hassle free delivery of health care services; we will be there when you need someone to help.
- Offsetting huge medical expenses that have large bearing on health and its maintenance.
- Well-conceived and customized plan uniquely designed to address all health exigencies requiring hospitalization.
- Fulfills all requirements envisioned in government policy of health care for all

What Does Family Tahafiz Cover?

This is an Family Health Insurance product which is specially being designed to cater for families who do not have any medical support in times of disease and accident. The salient feature of this product is the price factor which is kept in a range, affordable to every class of individual.

Family Health coverage provides health cover to you, your spouse and your children above ninety days older under a single policy, for the same Annual Limit.

This is an Individual / Family Health Insurance product which is specially being designed to cater for families who do not have any medical support in times of disease and accident. The salient feature of this product is the price factor which is kept in a range, affordable to every class of individual.

Medical Benefit Plans

Premium Structure

Some of the salient benefits of the product include:

Room Entitlement & Annual Limits

You have the choice to select aforementioned room rents along with corresponding Annual Limits.

In-patient Hospitalization

The policy pays for in-patient hospitalization expense such as:

- In-Hospital Consultations.
- Surgical Fees.
- Anesthetist’s Fee.
- Operation Theater Charges.
- Prescribed Medicines Used During Hospitalization.
- Operation Theater Charges.
- Diagnostic Investigations Blood and Oxygen Supplies Ventilators and Allied Services.
- Kidney Dialysis/Chemotherapy & Radio therapy for Cancer Treatment.

Day Care Treatment:

Besides in-patient hospitalization the Plans also covers Day Care Procedures. Day care treatments are medical or surgical procedures for which the person is admitted to a hospital bed but does not require an overnight stay.

Specialized Investigations:

The Policy also pays for five expensive diagnostics tests MRI, CT Scan, Thallium Scan, Mammography & Angiographies to facilitate diagnosis with no condition of hospitalization.

Ambulance Services:

Expenses for emergency treatment of an accident, within and up-to 48 hours of the accident.

Accidental Out-patient Expense:

Expenses for emergency treatment of an accident, within and up-to 48 hours of the accident.

Added feature of the product:

24 Hours Medical Hotline: You have round the clock access to our staff doctors for help during medical emergencies.
Customer Service: In case you need any clarification or facilitation regarding your policy, our dedicated customer relations staff will be pleased to assist you.
Health Card: Your will receive a Health Card with your Policy that will contain important information about your Policy. The Health Card will identify you as UIC Insured at our Network Hospitals and entitles you the Credit Facility.
Panel Hospitals: For complete list of our Panel Hospital please visit our website at www.theunitedinsurance.com
Pre Existing: coverage after 36 months of consequent renewals

Salient Features:

- Credit facility on 400+ hospitals all across Pakistan.
- 24/7 Medical Hotline approval center for better coordinated care and facilitation through trained professionals.
- Customized Personal Health Card for complete facilitation at Hospitals.
- Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets.

What is excluded under the policy?

- Treatment of pre-existing conditions and any disease, illness, medical condition or *injury, and any complication of a pre- existing condition.
- Charges for treatment of congenital disorders / birth defects Treatment arising from or traceable to pregnancy, childbirth, including caesarean, Treatment of psychiatric, mental or nervous disorder.
- Cosmetic and aesthetic treatments.
- Any increase in expenses due to insured being admitted in more expensive room than that allowed by the maximum room and board limit or better facility than the type of Room Entitlement given in the policy.

Common Question

Please note

* For Save Gold campaign inquiries/claims, ARY Sahulat Wallet is responsible

* For Insurance inquiries/claims, United Insurance Pvt. Ltd. is responsible

ARY Sahulat Wallet add value to the life with Loyalty Offerings on every spending. It offers an array of benefits specifically for the Customer’s lifestyle to live to the fullest & to provide special deals & loyalty benefits on every spending. ARY Sahulat Wallet offers Loyalty savings in Gold & Diamond Jewelry on spending & ARY sahulat wallet is now offering its services Worldwide. Brands internationally getting the better exposure than before. It is the most secure, convenient, digital & physical payment solution.

From Grocery to Gold ARY Sahulat Wallet is making convenience to both Customers & Brands

- TRAVEL & TOURS PACKAGES
- RESTAURANTS HOTELS
- GOLD & DIAMOND & SO MUCH MORE
- FASHION
- GROCERY
- ONLINE SHOPPING

ARY Sahulat Wallet has now partnered with United Insurance Pakistan Pvt Ltd. to make customer’s more secure with rewarding.

On purchase of Individual Health Insurance, customers will be entitled to get ARY Sahulat Wallet membership & on eligibility customer can Save Gold 80% on the gross premium at the completion of the Policy (Terms & Conditions Apply).

Why Is Health Insurance Important?

Health insurance has become a necessity today and it plays a major role in healthcare. This is because an unfortunate event of (Disease) Illness or Accident (Injury) may strike at anytime and in such cases medical expenses can become unaffordable. Health insurance can prove to be a source of support by taking care of the financial burden that a family may have to go through.

Health insurance takes care of you in such circumstances. It will help you tackle such situations with ease by providing you & your families with timely and adequate medical care. The financial burden of huge medical bills is taken care of by the health insurance you have Purchased.

Individual Health Secure

Gives you Choice, Convenience and Care. Family Health Secure policy offers health insurance plans that are designed for Individuals who wish to provide financial protection to themselves and their dependent family members against medical expenses arising due to sickness and accidents.

Overview - Taking all Health Secure off you

- Gives you Choice, Convenience and Care
- Comprehensive branded scheme offering value added features and complete solution for all health worries.
- A vital tool in hassle free delivery of health care services; we will be there when you need someone to help.
- Off setting huge medical expenses that have large bearing on health and its maintenance.
- Well conceived and customized plan uniquely designed to address all health exigencies requiring hospitalization.
- Fulfills all requirements envisioned in government policy of healthcare for all.

Some of the salient benefits of the product include:

Room Entitlement & Annual Limits

You have the choice to select aforementioned room rents along with corresponding Annual Limits.

In-patient Hospitalization

The policy pays for in-patient hospitalization expense such as

- In-Hospital Consultations
- Surgical Fees
- Anesthetist’s Fee
- Operation Theater Charges
- Prescribed Medicines Used During Hospitalization
- Diagnostic Investigations Blood and Oxygen ---Supplies Ventilators and Allied Services
- Kidney Dialysis/Chemotherapy & Radio therapy for Cancer Treatment.

Day Care Treatment

Besides in-patient hospitalization the Plans also covers Day Care Procedures. Day care treatments are medical or surgical procedures for which the person is admitted to a hospital bed but does not require an overnight stay.

Specialized Investigations

The Policy also pays for five expensive diagnostics tests MRI, CT Scan, Thallium Scan, Mammography and Angiographies to facilitate diagnosis with no condition of hospitalization.

Ambulance Services:

Expenses for emergency treatment of an accident, within and up-to 48 hours of the accident.

Accidental Out-patient Expense

Expenses for emergency treatment of an accident, within and up-to 48 hours of the accident.

Added feature of the product:

24 Hours Medical Hotline: You have round the clock access to our staff doctors for help during medical emergencies.
Customer Service: In case you need any clarification or facilitation regarding your policy, our dedicated customer relations staff will be pleased to assist you.
Health Card: Your will receive a Health Card with your Policy that will contain important information about your Policy. The Health Card will identify you as UIC Insured at our Network Hospitals and entitles you the Credit Facility.
Panel Hospitals: For complete list of our Panel Hospital please visit our website at www.theunitedinsurance.com
Pre Existing: Coverage after 36 months of consequent renewals

Salient Features:

- Credit facility on 400+ hospitals all across Pakistan
- 24/7 Medical Hotline approval center for better coordinated care and facilitation through trained professionals
- Customized Personal Health Card for complete facilitation at Hospitals
- Savings with health insurance policy through discounts on outpatient services (lab tests) at selected outlets.

What is excluded under the policy?

- Treatment of pre-existing conditions and any disease, illness, medical condition or *injury, and any complication of a pre- existing condition.
- Charges for treatment of congenital disorders / birth defects Treatment arising from or traceable to pregnancy, childbirth, including caesarean, Treatment of psychiatric, mental or nervous disorder.
- Cosmetic and aesthetic treatments.
- Any increase in expenses due to insured being admitted in more expensive room than that allowed by the maximum room and board limit or better facility than the type of Room Entitlement given in the policy.

Common Question

Individual Health Secure Plan

Rate for Single Individual Insured are as under

Please note

The above rate are includes of Gov. Taxes and for 1 Year Plan. A Policy Issuance fee of Rs.500/- will be charged separately. The above rate are subject to periodic revision without prior notice.

Please note

* For Save Gold campaign inquiries/claims, ARY Sahulat Wallet is responsible

* For Insurance inquiries/claims, United Insurance Pvt. Ltd. is responsible

ARY Sahulat Wallet add value to the life with Loyalty Offerings on every spending. It offers an array of benefits specifically for the Customer’s lifestyle to live to the fullest & to provide special deals & loyalty benefits on every spending. ARY Sahulat Wallet offers Loyalty savings in Gold & Diamond Jewelry on spending & ARY sahulat wallet is now offering its services Worldwide. Brands internationally getting the better exposure than before. It is the most secure, convenient, digital & physical payment solution.

From Grocery to Gold ARY Sahulat Wallet is making convenience to both Customers & Brands

- TRAVEL & TOURS PACKAGES
- RESTAURANTS HOTELS
- GOLD & DIAMOND & SO MUCH MORE
- FASHION
- GROCERY
- ONLINE SHOPPING

ARY Sahulat Wallet has now partnered with United Insurance Pakistan Pvt Ltd. to make customer’s more secure with rewarding.

On purchase of Individual Health Insurance, customers will be entitled to get ARY Sahulat Wallet membership & on eligibility customer can Save Gold 80% on the gross premium at the completion of the Policy (Terms & Conditions Apply).

Why Home Insurance?

A home is where the heart is! In today’s supersonic world it’s a place to slow down, a heaven of warmth and love. Sadly in this uncertain age this sanctuary is increasingly exposed to man-made and natural hazards.

Despite all the precautions you may take, your home still remains Vulnerable to robbery, natural disasters, freak weather conditions and fire among other risks. Rising costs of consumer durable and Reconstruction renders it next to impossible to replace lost Belongings.

We endeavors to cushion the financial impact of loss related to your home and its contents by offering a customized insurance program for your cherished home.

- Home Secure Plan covers loss or damage caused by:
- Armed robbery, burglary and house breaking
- Earthquake
- Rain, Flood, Cyclone & Severe Storms
- Riot & Strike damage
- Acts of Malicious Persons
- Fire and Lightning
- Explosion
- Falling Aircraft and other Aerial Devices
- Water damage due to bust pipes
- Impact of Motor Vehicle

Product Feature

- Freedom to select the value and extent of coverage required.This means that if you require just coverage for your Building or Contents, you can easily do so and that too for up to Rs. 20,000,000 each
- NO requirement of declaration at time of buying insurance
- NO Under insurance applicable
- Quick & Easy Claim Settlement process

Value added Features

This unique insurance plan covers high value items including jewelry and cash. Jewelry needs special protection not just because of its high intrinsic value but because of the sentimental attachment. Women so often have with their ornaments. Accordingly Home Secure Plan is designed to cover jewelry in the following situation:

- At Home In a Specified Safe Deposit Locker
- In Transit between Home and Locker (and vise versa)
- Even while worn by Insured or Spouse in event of robbery, upto 25% of Total Value of Jewelry

Limits of Liability

(Customize Package Available as per the Requirement)

Premium (Building & Structure)

Premium Starting from as low as PKR 2,000 (Depending the value of Building/Structure)

Exclusions

- Any consequential loss
- Damage due to Ionizing radiations or contamination or combustion of nuclear fuel.
- Damage due to radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
- Any loss or damage or liability, whether directly or indirectly by reason of, or in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution.
- Any loss destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
- Others- Please refer to the policy document for complete set of exclusions.

Please note

* For Save Gold campaign inquiries/claims, ARY Sahulat Wallet is responsible

* For Insurance inquiries/claims, United Insurance Pvt. Ltd. is responsible

ARY Sahulat Wallet add value to the life with Loyalty Offerings on every spending. It offers an array of benefits specifically for the Customer’s lifestyle to live to the fullest & to provide special deals & loyalty benefits on every spending. ARY Sahulat Wallet offers Loyalty savings in Gold & Diamond Jewelry on spending & ARY Sahulat wallet is now offering its services Worldwide. Brands internationally getting the better exposure than before. It is the most secure, convenient, digital & physical payment solution.

From Grocery to Gold ARY Sahulat Wallet is making convenience to both Customers & Brands

- TRAVEL & TOURS PACKAGES
- RESTAURANTS HOTELS
- GOLD & DIAMOND & SO MUCH MORE
- FASHION
- GROCERY
- ONLINE SHOPPING

ARY Sahulat Wallet has now partnered with United Insurance Pakistan Pvt Ltd. to make customer’s more secure with rewarding.

On purchase of Individual Health Insurance, customers will be entitled to get ARY Sahulat Wallet membership & on eligibility customer can Save Gold 80% on the gross premium at the completion of the Policy (Terms & Conditions Apply).

What does the policy covers

We strive to negate all possible risks that you could encounter at your shop. Keeping your requirements in mind, we've tried to 'pack in' maximum coverage for a variety of situations in our Shopkeeper's Insurance policy.

Coverage & Packages

Coverage Details

- Fire: It covers loss or damage to buildings and contents due to fire,lightening, strike, riot, storm, cyclone, flood etc.
- Burglary: It covers any loss or damage caused by burglary or attempt of burglary to contents in your shop
- Money (Safe & Transit): It covers loss of money due to burglary of cash in safe place or in transit from shop to bank/atm and bank to shop. The premium is calculated from Per Sending Limit as defined by the insured.
- Fidelity It covers financial losses due to fraud or dishonest act of salaried employees.
- Personal Accident: Bodily injuries because of accident resulting in death or permanent total disability. It also provides for ambulance charges uptoRs 2000 and in the event of death for carriage of dead body
- Public liability This cover provides for legal liability on behalf of the proposer for accidental death or bodily injury to third party excluding resident employee or domestic staff as well as accidental damage to third party property.
- Glass Breakage This covers loss or damage to any fixed plain glass caused by an accident, external and visible means
- NEON SIGN Neon or glow signs displayed at your shop premises are covered against damage caused by fire, accident, riot & flood

Additional Coverage

We also provide coverage against

- Fixed Glass and Sanitary Fittings - Neon Sign/Glow Sign/Hoarding - Infidelity/ Dishonesty of employees - Legal Liability- Towards employee - Legal Liability- Towards Third Party

Subjectivity

Please note

* For Save Gold campaign inquiries/claims, ARY Sahulat Wallet is responsible

* For Insurance inquiries/claims, United Insurance Pvt. Ltd. is responsible