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Travel Takaful

Travel Takaful Claim Process

Our Travel Takaful plans are designed to meet the unique needs of our customers.

We offer Travel Takaful for our BML Islamic Credit Card customers.

These apply to credit card holders of:


How to claim?

Inform Ayady Takaful - Islamic Window of Allied Insurance Company immediately after the incident by:

Calling customer Care toll free number 1600, or emailing to: [email protected]


CREDIT CARD

Travel Takaful Coverage

Section 

Green Card
(USD)

Gold Card
(USD)
Platinum Card
(USD)
Personal Accident
Covers death and permanent disablement including eyes and limbs up to the Sum covered according to the Table of Losses
Excess: USD 100
100,000200,000500,000
Personal Liability
Covers legal liability incurred by the participant in his private capacity to pay damages for third party civil claims (property damages and bodily injury) occurring during covered Journey.
Excess: USD 100
10,00020,00020,000
Delay of Flight
Covers reimbursement of expenses incurred by the participant for meals and accommodation only when the participant’s flight is delayed beyond 4 hours due to aircraft technical defects/malfunction, adverse weather conditions and Industrial strikes.
Excess: USD 25
300
(excess 4 hrs)

600
(excess 4 hrs)
600
(excess 4 hrs)
Checked in Baggage Delay
Covers reimbursement of emergency purchases of toiletries, medication, and clothing, incurred due to the covered Checked in Baggage being delayed more than 5 hours beyond the time of the participant’s arrival outside of Maldives.
Excess: USD 25

300
(excess 5 hrs)
600
(excess 5 hrs)

600
(excess 5 hrs)
Loss of Passport
Covers the reasonable and necessary expenses incurred to obtain a Travel permit or a valid travel document.
Excess: USD 25
300500500
Checked in Baggage Loss
USD 250 any one article
USD 300 in respect if Jewellery and Valuables.
Excess: USD 25
Compensates participant for the complete and permanent loss of the participant’s Checked in Baggage.

1000 in all1500 in all1500 in all
Hijacking
Compensates you for each full 24-hour period you are the victim of a hijack.
Maximum up to
USD 400 Sub Limit: USD 40 per 24 hours

Maximum up to
USD 500 Sub
Limit: USD 50
per 24 hours

Maximum up to
 USD 600 Sub
Limit: USD 60
per 24 hours
  • Pre-trip information services
  • Embassy referral
  • Weather and exchange rate information assistance
  • Emergency message transmission assistance
  • Arrangement of Hotel accommodation in case of an Emergency
  • Interpreter referral
  • Lost Luggage assistance
Compensates participant for the expenses incurred during the journey to obtain any of the services mentioned above
20 per day up to a maximum of 20030 per day up to a maximum of 50030 per day up to a maximum of 500
Emergency Travel Medical Takaful
Covers your Medical Expenses (not pre-existing conditions) including hospitalization for accident or illness.
Excess: USD 100
--25,000
Emergency Medical Evacuation and Repatriation Services
Excess: USD 100
--25,000
Any one event limit 10,000,00010,000,00010,000,000

*All takaful contribution/ prices in the quotation are GST exempted

Important instructions

1. The Participant should make sure that you take all necessary action to minimize the losses.

2. Do not admit liability at any point or offer to settle the claim unless you have obtained the written consent from us.

List of documents required for some travel claims.

1. EMERGENCY MEDICAL AND REPATRIATION COSTS

2. DELAY OF FLIGHTS

3. CANCELLING OR CUTTING SHORT YOUR TRIP

4. MISSED DEPARTURE

5. LOSS OF CHECKED IN BAGGAGE

Note: The above listed documents under each section is a general list of documents required.

Depending on the case Insurer may require additional documents / information.