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Terms & Conditions

Terms & Conditions

THESE ARE THE GENERAL TERMS AND CONDITIONS GOVERNING YOUR USE OF THIS WEBSITE AND OUR SERVICES. BY ACCESSING, USING OR SIGNING UP FOR THIS WEBSITE, OUR NEWSLETTERS OR ANY OTHER SERVICES, YOU ARE CONCLUDING A LEGALLY BINDING AGREEMENT BASED ON THESE TERMS WITH M/S KHOJ.


Contents

MAIN AGREEMENT
  • Introduction
  • Waiver of Liability, Release of Liability, and Assumption of Risk Agreement (PLEASE READ CAREFULLY, BY PROCEEDING WITH BOOKING YOU WILL BE BOUND BY THIS AGREEMENT)
  • Modifications of this Agreement

  • OTHER INFORMATION AND AGREEMENTS:
  • Privacy
  • Your use of content and information (disclaimer)
  • User generated content
  • Ownership and intellectual property rights
  • Your contact with advertisers and other third parties
  • Children under the age of 13
  • Your account
  • Modification or suspension of our website
  • Change of ownership
  • Termination of this Agreement
  • Severability of Agreement
  • Applicable law
  • Complaints regarding content
  • Contact

Introduction

Welcome to the www.findmyadventure.pk, www.fma.travel, and/or www.findmyadventure.travel website ("Website", "website", "Site" or "site"). This website, its pages, the content, services and infrastructure are owned, operated and provided by M/S KHOJ ("KHOJ", "FindMyAdventure", "Us", "us, "We" or "we") or other parties. The website and its content is provided for your personal, non-commercial use only, subject to the terms of use as set out below. These terms of use (this "Agreement") set forth the terms and conditions governing your use of this website.


Waiver of Liability, Release of Liability, and Assumption of Risk Agreement

READ THIS AGREEMENT CAREFULLY. A PARENT/GUARDIAN MUST SIGN FOR MINORS (UNDER 18 YEARS OF AGE)

To: M/s Khoj, and their respective partners, directors, officers, employees, agents, guides, volunteers, tour operators, contractors and successors.

Definitions:

In this agreement, the term “Tours” shall include all activities, events, services provided, arranged, organized, sponsored, conducted or authorized by M/s Khoj directly and/or under its brand “FindMyAdventure” and/or by any of its associated tour operators and shall include, but not limited to: tours; sightseeing; camping; demonstrations and events; travel to and from locations; and other such activities, including adventure sports, events or services in any way connected with or related to M/s Khoj and/or FindMyAdventure. In this agreement the term M/s Khoj shall include the entities M/s Khoj directly and/or its brand “FindMyAdventure” and/or any of its associated tour operators.

Assumption of Risk:

I have voluntarily applied to participate in the Tour on which I have registered. I am voluntarily participating in this Tour with the knowledge of the numerous risks and dangers involved, which include but are not limited to: dangers and risks inherent in adventure activities; changing weather conditions; loose grave; exposed rock; snow; ice; earth and other natural objects; streams, avalanches, glaciers and other natural or man-made objects; rock slides; encounters with wildlife; travel on highways and other roads; collisions with persons or vehicle; becoming lost or separated from guide, instructors or other participants; failing to act safely or within one’s ability to stay within designated areas; negligence of other persons; negligence on the part of M/s Khoj, including the failure on the part of M/s Khoj to safeguard or protect me for risks, dangers and hazards of the Tours; emotional trauma; disfigurement; temporary or permanent disability, including paralysis; death; acts of God; the hazards of traveling in remote, unsafe or politically unstable areas or under unsafe conditions; the dangers of civil disturbances and war; forces of nature; transportation failures; equipment failures; accident or illness in remote places without access to medical facilities, transportation, or means of evacuation and assistance; unexpected events; terrorist activities, social or labor unrest; mechanical or construction failures or difficulties; diseases; local laws; climatic conditions; abnormal conditions or developments; or any other actions, omissions, or conditions outside of M/s Khoj’s control. I acknowledge that Tours entail known and unanticipated risks which could result in physical or emotional injury, paralysis, death, or damage to myself, to property, or to third parties. I understand that such risks simply cannot be eliminated without jeopardizing the essential qualities of the activity. The risks include, among other things: Acute Mountain Sickness (AMS) which can further escalate to High Altitude Pulmonary Edema (HAPE) or High Altitude Cerebral Edema (HACE); exposure to the natural elements can be uncomfortable and/or harmful; I am aware that this exposure could cause sunburn, dehydration, heat exhaustion, heat stroke, and heat cramps; also prolonged exposure to cold can result in hypothermia, frostnip or frostbite, which can even turn fatal; exposure to potentially dangerous wildlife, insects, plants, falling rocks, landslides, accidental drowning, accidental slips and falls on snow, ice and mountainous sections is also a possibility. I also know that there is a risk of equipment malfunction or injury due to third parties. I am cognizant of the basic safety rules and instructions concerning these Tours. I also understand that it is not the purpose of M/s Khoj to teach safety rules. I also understand that I am responsible for the safety and good operating condition of any equipment while I use such equipment.

Preparation:

I assume full and complete responsibility for physically preparing for the Tour.

Representation of good health:

I certify that I am in good health, have no medical, mental, physical conditions that affect my ability to travel and/or participate in the Tour and have not been advised otherwise by a medical practitioner. I acknowledge that M/s Khoj is in no way responsible for any costs related to my medical care during or after the Tour.

Release of Liability:

As lawful consideration of, and as part of the payment for, the right to participate in the Tour, and as part of the payment for the services arranged for me by M/s Khoj, I HEREBY EXPRESSLY AGREE TO BE RESPONSIBLE FOR MY OWN WELFARE AND ASSUME ALL OF THE ABOVE RISKS, INCLUDING BOTH THOSE KNOWN AND UNKNOWN TO ME. As lawful consideration of, and as part of the payment for, the right to participate in the Tour, and as part of the payment for the services arranged for me by M/s Khoj, I HEREBY EXPRESSLY AGREE TO RELEASE, DISCHARGE AND HOLD HARMLESS FOREVER M/s Khoj, their owners, employees, affiliated entities, employees, agents, representatives, officers, directors, associates, volunteers, successors and assigns from and against any liability, actions, causes of actions, debts, suits, claims and demands of any and every kind and nature whatsoever which I now have or which may hereafter arise out of or in connection with my Tour with M/s Khoj. I AGREE THAT THE TERMS OF THIS AGREEMENT SHALL SERVE AS A COMPLETE RELEASE AND EXPRESS ASSUMPTION OF RISK for myself, all members of my family and all minors traveling with me, my and their heirs, successors, assigns, and legal representatives. It is my intention to fully assume all risks associated with this Tour and to release M/s Khoj from any and all liability to the maximum extent permitted by law. Indemnification: I further agree to “indemnify” (meaning to defend and to pay or reimburse) M/s Khoj against any claim by any person, including minors, arising in whole or in part from an injury or other loss suffered or caused by me in connection with the expedition or my participation in the Tour.

BY CLICKING ON "I AGREE" AND BY SIGNING THIS FORM ELECTRONICALLY, I ACKNOWLEDGE THAT I HAVE READ THIS AGREEMENT, THAT I UNDERSTAND ITS TERMS AND CONDITIONS, AND THAT I AGREE TO BE BOUND BY THEM.
IF I DO NOT AGREE TO THESE CONDITIONS THEN I WILL NOT PROCEED WITH THE BOOKING.
AGREEMENT: BY TYPING MY NAME IN THE "NAME FIELD" ON THE BOOKING PAGE, I AGREE THAT MY ELECTRONIC SIGNATURE IS THE LEGALLY BINDING EQUIVALENT TO MY HANDWRITTEN SIGNATURE. THE ELECTRONIC SIGNATURE HAS THE SAME VALIDITY AND MEANING AS MY HANDWRITTEN SIGNATURE. I WILL NOT, AT ANY TIME IN THE FUTURE, REPUDIATE THE MEANING OF MY ELECTRONIC SIGNATURE OR CLAIM THAT MY ELECTRONIC SIGNATURE IS NOT LEGALLY BINDING.

Modifications to this Agreement

We may make changes to this Agreement from time to time at our sole discretion. As soon as this page is updated the changes become effective. Please review this Agreement periodically. Your continued use of our website following the change of this Agreement will constitute your acceptance of any such changes.


Privacy

We describe our current practices related to personally identifiable and other information collected through our website in our Privacy Policy and that we may update our policies and practices from time to time at our sole discretion. You acknowledge to have read and agree to this privacy policy.


Your use of content and information (disclaimer)

A variety of information, advice, recommendations, letters, messages, comments, posts, text, graphics, software, music, sound, photographs, videos, data and other materials ("Content" or "content") is available on the website. Some of the content is provided by us or our suppliers and other content is provided by persons who use our website ("User", "user", "Users" or "users"), such as user opinions and views provided via reviews, posts to chat rooms, blogs or message boards. While we strive to keep the content on our website accurate, complete and up to date- we cannot guarantee, and are not responsible for the accuracy, completeness, or timeliness of any content, whether provided by us, our suppliers, or by our users. Any opinions, advice, statements or other information expressed or made available by users or other third parties are those of the respective user or third party and not of us.

We don't have any obligation to prescreen, edit or remove any content provided by users that is posted on or available through our website.

Notwithstanding the foregoing, we will have the right (but not the obligation), at our sole discretion and for any reason, to prescreen, edit, refuse to accept, remove or move any such content.


User generated content

User generated content ("User Content" or "user content") is information provided by our users with an intent to be published on our website (e.g. writing a review or post in our boards). You, as our user, are responsible for all user content that you submit, post or otherwise make available to or through our website.

We don't claim ownership of user content, but by submitting, posting or otherwise making available to or through our website, you automatically grant us the right to use your user content in any way we desire. This includes the non-exclusive, perpetual, transferable, irrevocable right, with the right of sublicensing and without any royalty or compensation in return, to use, reproduce, adjust, translate, distribute, publish, create derivate works, to disclose and duplicate the content in all now known media en future media. You agree we can decide if and how your user content is credited and you also agree the user content provided may be indexed by search engines such as Google. You also grant us, and any third party appointed by us, the right to take (legal) actions as it deems necessary for the protection of the (copy)rights of your user content, including, but not by way of limitation, to take (legal) action in the name and on behalf of you.

You agree not to submit, post or otherwise make available to or through our website any personally identifiable information about other people and/or abusive, obscene, vulgar, slanderous, hateful, threatening, sexually-orientated user content or any other material. You represent and warrant to us that such user content is not confidential and that you have all necessary permission to submit, post and otherwise make available such user content. You agree not to submit, post or otherwise make available to or through our website any commercial, advertising, promotional or spam-like user content or any other material. You also agree not to submit, post or otherwise make available to or through our website any user content that may violate any laws be it of your country, the Netherlands, any other country or international law. Violating any of these conditions may lead to you being immediately and permanently banned- with notification to your Internet Service Provider if deemed required by us, and we could decide to take other legal action. You agree that we have the right to remove, edit, move or close your account and/or any user content at any time should we see fit.


Ownership and Intellectual property rights

This website is owned by M/S KHOJ. All rights and interest in the content available via the website, the website's look and feel , the designs, trademarks, service marks and trade names displayed on the website and the website URL are the property of M/S KHOJ or its licensors, and are protected by copyrights, trademarks, patents or other proprietary rights and laws. You may not use any content available via the website in any manner or for any purpose without the prior written permission of us or, if applicable, our licensors. All rights not expressly granted in this Agreement are expressly reserved to M/S KHOJ and its licensors.


Your contact with advertisers or other third parties

Your dealings with advertisers or other third parties found on or accessible through our website are solely between you and the third party. These dealings include, but are not limited to, your participation in promotions, the payment for and delivery of items such as safari tours if any, and any terms, conditions, warranties, or representations associated with such dealings. You access and use of such sites, including the content, items, or services on those sites, is solely at your own risk. We do not make any representations or warranties with respect to any content or privacy practices, or otherwise with respect to such third parties or any items or services that may be obtained from such third parties, and you agree that we will have no liability with respect to any loss or damage of any kind incurred as a result of any dealings between you and any third party, or as a result of the presence of such third parties on our website.


Your account

You are responsible for maintaining the confidentiality of any passwords associated with your account on our website, monitor all activity under the account, and assume full responsibility for all activities that occur under your account.


Scope of Service

Welcome to FindMyAdventure.(hereinafter referred to as “FMA"). The terms and conditions below (hereinafter referred to as "Terms and Conditions") apply to our services, to all its parties, its subsidiaries and to all the vendors that are registered with FindMyAdventure. 

The website is owned and operated by M/S Khoj, with its head office at 157/1 street 16, Khayaban-e-Roomi, DHA, Karachi, Pakistan. 

Through our website, we (FindMyAdventure) provide an online marketplace for trips, tours and activities across Pakistan. Customers can search by location or activity and will be provided a list of options to choose from which can then be booked and paid for through the website. These trips are planned and executed by our tour operator partners who are registered with us beforehand and then provide their trips, tours and activities to be displayed on the website. FMA acts as an intermediary to facilitate the booking. In addition to being able to book from the range of options that the website provides, customised tours as per the customer's needs can also be arranged. To avail this service, the “Make My Adventure” option needs to be selected. Once we receive all the details our representative gets in touch with the customer for confirmation and the trip is then executed.

FindMyAdventure works on prepayment basis and manages the payment between you and the tour operator. We collect 100% advance from the user and then transfer the agreed amount to the tour operator.

The information provided by us to visitors of our website is provided by tour operators. Tour operators are given access to a portal through which they can manage and are responsible for information about their tours, including rates and availability. As such, while we endeavour to ensure that all information on our website is accurate at all times, we cannot guarantee accuracy and hence cannot be held responsible for any inaccurate information or non-delivery information.

 

Prices 

Prices on FindMyAdventure are highly competitive and contain no hidden charges. The prices on the website are same as the tour operator’s Facebook event or website. Our service is free of charge for listed trips for the customer. We do not charge our customers a fee for making bookings on listed trips. For customised tours, we have a service charge where the amount is shared at the time when our representatives share the overall cost of the customised trip with the client. In case you do see a discrepancy between prices on our site and those offered by tour operators please inform us so we can take action accordingly.

 

Cancellation

By making a booking with a tour operator, you accept the cancellation policy of that tour operator, and any other terms and conditions specific to that tour operator. The cancellation policy of each tour is made clearly available on the particular trip’s booking page prior to booking. We recommend that you ensure you have read the cancellation policy fully before completing your booking.

If you wish to modify or cancel a booking, please contact our customer service by telephone or email, where we will be happy to help. Please note that depending on the cancellation policy of your tour operator, you may not be entitled to a full or partial refund.

 

Online Payments and Payment Methods 

Payment for trips can be made through three ways. Credit card, bank transfer or cash pick up from the address provided. Online payments can be made with Credit or Debit cards through our secure third party online payment provider, Easypay. Cards which are accepted include Mastercard, and Visa, but will depend on your country of origin. All card payments are made on Easypay’s platform and FindMyAdventure does not handle any card details. For bank transfer, FindMyAdventure’s bank details will be provided once the booking is made. Once the customer transfers the payment to the account, the customer must share proof of payment via email. For cash pick up, the customer must provide the address for pick up and preferred time. The rider will come at the allotted time and the payment must be handed over in exchange for a hard copy of a receipt. FindMyAdventure is not responsible for the payment if the customer pays without receiving a hard copy of the invoice.

 

Promotional Codes 

Only one promotional code can be used per order. Promotional codes are not valid in conjunction with any other promotion. The promotional code allows you to receive a certain amount or percentage off as discount.

To use the promotional code on the FindMyAdventure website, simply enter the code in the promotional code box at the checkout and click update before paying so that the discount is applied. The promotion code cannot be used after you’ve placed your order.

FindMyAdventure reserves the right to vary these conditions of use or to withdraw promotional codes at any time.

 

1- What is FindMyAdventure’s background check on vendors? 

  • All vendors go through background checks. A vendor must have executed minimum 10 trips before registering on FMA portal. Vendors should also have to provide three references for onboarding. Vendors must have a minimum rating of 4 out of 5 stars or equivalent (80% quality experience reviews) to register with FMA.
  • Vendors provide FMA with team details and pictures along with their database.

 

2- Do we allow weapons, drugs, alcohol on trips? 

Weapons, drugs and alcohol are strictly prohibited on all FindMyAdventure trips. 

 

3- What happens in case of Natural Event/Disaster? 

In case of landslide and other natural hazards the tour leader (or the tour operator’s representative) will be deciding the plan of action keeping in mind the best interests of the group. If travellers are on a customised trip, they will be guided on the course of action by the guide on the trip or FMA personnel that are in touch with the traveler.

 

4- What is the course of action if services on a trip are not up to what has been listed on the website? 

FindMyAdventure’s lists all trip details on its website as per the information provided by the vendors. In the case any services/facilities are not as per the list provided on the FindMyAdventure website, the customer can register a complaint with us and appropriate action will be taken. However, FindMyAdventure, cannot take responsibility of handling any such situation during the duration of the trip and any such complaints can be registered with us after the trip is over. Our review system on the website also ensures that the customer can rate the vendor as per the quality of the trip experience.

 

5- What is the course of action if a vendor cancels a trip once payment has been made by the client? 

If the trip is cancelled on the vendor’s behalf the customer is to receive a full refund. If the trip is cancelled due to reasons that are outside of the vendor's control such as bad weather, security concerns or any unforeseen circumstance that puts the customer's safety at risk, then the customer is to receive a refund up to the amount that has not already been spent in order to arrange the trip.

 

6- What is FindMyAdventure’s payment terms with customers? 

FindMyAdventure works on prepayment basis and manages the payment between you and the tour operator. We collect 100% advance from the user and then transfer the agreed amount to the tour operator.

Customised tour customers only have to pay FindMyAdventure service charges and transport charges as upfront while other charges are to be paid in person by the customer. The customer also has the option of paying FMA the total amount of the trip in case he/she does not want to make the payments during the trip to the hotels.

 

7- What happens if on a trip the customer does not like the hotels provided? 

All the hotels on a customised trip are booked upon customer’s approval. In case the customer doesn't like the hotel on arrival it can be changed depending on availability and price.

On a pre-existing tour, before booking a tour the customer can check hotels that the vendor provides on the trip page.

These hotels are booked on the vendor's discretion and changing them on the customer's request is also on the vendor's discretion.

 

8- What happens if there is a car break down during a trip? 

In case of car breakdown on a customised trip, backup vehicle will be arranged in the shortest time possible. However while travelling in remote areas this may take some time and we will not be able to commit beforehand.

In case of joining a pre-existing tour with a vendor, it is the vendor’s responsibility to arrange for a back up vehicle or repair the vehicle in use in the shortest timeframe possible.

 

9- What happens if there is a security incident while on a trip that is booked through FindMyAdventure? 

FindMyAdventure bears no responsibility of ensuring security on trips. We act as an intermediary to facilitate bookings. As a preventive measure, FindMyAdventure’s vendors are vetted through a screening process that involves checking previous experience on organising safe and successful tours. 

 

10- What is the policy if the customer wants to change the itinerary while on a trip? 

Customized trips are tailored to the needs of the client. The client has full authority to change the plan whenever it is deemed necessary. Any extra charges will be borne by the client. 

For pre-existing tours that a customer is joining, the itinerary cannot be changed and is up to the vendor’s discretion. 

 

11- Do we provide security to our customers? 

FindMyAdventure will provide security on customised trip upon customer’s request. Extra amount will be charged on the basis of number of security personnel. On operator trips booked through our website, FindMyAdventure does not hold responsibility of providing security to customers. We act as an intermediary to facilitate the booking and are not responsible for providing security..

 

12- Do we provide security to corporate customers? 

FindMyAdventure will provide security corporate customers upon their request. Extra amount will be charged on the basis of the number of security personnel required. Any security measures taken by our partner vendors are based on their discretion and FMA does not bear any responsibility for this. 

 

13- What checks do we have in place as preventive measures for safety and security?

Knowing the travel landscape of Pakistan, we are aware of the safety and security situation and if any undue risk is foreseen then the travelers will be informed in advance or the trip will be cancelled. However, any unforeseen circumstances owing to political, religious or criminal activity will not be FMA’s responsibility.  

 

14- What is our insurance policy? 

FindMyAdventure offers travel insurance that customers can add on to their travel package. We provide the travel insurance via our partners Adamjee Insurance Ltd. To avail travel insurance the customer can select it via the add ons when booking a trip. Travel policy details and terms and conditions are appended below.

 

15- Do we share a list of hospitals in the region where the customer is going?  

List of hospitals are appended below by region. This is by no means an exhaustive list of hospitals and is meant to serve as a guidance to our customers in case of an untoward incident.

 

16- If there is an injury of any nature while on any trip, what is the course of action? 

In case of injury on a tour operator’s trip or a customised it is the responsibility of the operator to take necessary steps and take the injured traveller to the nearest medical facility. FindMyAdventure holds no responsibility and acts as an intermediary to facilitate bookings.

 

17- What happens if the customer is not okay with the people he is traveling with on a group trip?  

FMA is a marketplace for travel in Pakistan and is not responsible for this aspect of the trip and any problem that the customer may have with fellow travellers can be taken up with the vendor that is responsible for the trip.

 

18- What are the checks on the drivers and hotels that we partner with in our customised tours? 

We have a database of trusted drivers and hotels. Only FMA trusted hotels and drivers are used in provision of services. Driver details are provided to travellers before departure of trip including CNIC details.

 

List of hospitals by region: 

Gilgit Baltistan:

  1. Aga Khan Extended Family
    Health Centre, Gupis
    Tehsil Gupis, District Ghizer.
    Tel: 05815-55046
  2. Aga Khan Extended Family
    Health Centre, Aliabad
    Tehsil Aliabad, District Gilgit
    Tel: 05821-55273
  3. Aga Khan Medical Centre,
    Gilgit
    Aga Khan Medical Centre
    Gilgit, Tehsil Gilgit, District
    Gilgit, Komer Gilgit
    Tel: 05811-53824
  4. Aga Khan Medical Centre,
    Singal
    Aga Khan Medical Centre,
    Singal, Tehsil Singal, District
    Ghizer Tel: 05814-58011
  5. CMH Gilgit
    +92.5811.9616100
    +92.5811.9616150
  6. DHQ Hospital
    +92.5811.450247
    +92.5811.450248

 

Chitral:

  1. DHQ Hospital Chitral
    412142,412634
  2. THQ Hospital Garam Chashma
  3. Aga Khan Medical Centre
    Booni
    Village Booni Tehsil Mastuj
    Distt:Chitral Tel: 0943-
    470116
  4. Aga Khan Extended Family
    Health Centre Shoghor
    Village Shoghore Tehsil
    Lotkoh Distt: Chitral
    Tel: 0943-304918
  5. Rural Health Center
    (Torkhow/Shagram)
    Village Shahgram Tehsil
    Torkhow Distt: Chitral
    Tel: 0943-476074

 

Swat

  1. Central Hospital
    Saidu Sharif Road, Mingora, Swat, Saidu Rd, Mingora
    (0946) 9240438
  2. Shifa Hospital
    Oppt Central Hospital
    Saidu Sharif Swat – KPK
    Pakistan

 

Kashmir: 

  1. CMH, Muzaffarabad
    (0582) 2920451
    CMH rd, Muzaffarabad
  2. THQ Hospital, Neelam Valley
    Neelum Valley Road, Kel

 

Sindh:

  1. Civil Hospital, Thatta

 

Naran/Shogran:

  1. Tehsil Headquarter HOspital,
    Naran road, Balakot
  2. Hazara Diagnostic Center & Clinical Labortory
    Mohsin Market Kaghan Road Balakot, Naran Road, Balakot 21300
    0315 9407308

 

Nathiagali/Murree/Bhurban:

  1. Civil Hospital, Nathia Gali
    Nathia Gali-Abbottabad Rd, Sikandar Bagh, Nathia Gali, Khyber Pakhtoonkhwa
  2. Combined Military Hospital, Jinnah Rd, Murree
    92-51-4196151
  3. Aliya Nabeel Tabawi Hospital
    Khaqan Abbasi Rd, Rawat, Bhurban, Masoot 47150
    0300 5800818

 

Balochistan:

  1. PN Hospital Darman Jah, Ormara
  2. GDA Hospital, Gwadar

 

 

Domestic Travel Insurance Policy:

Domestic Travel

Benefits  

Limits in PKR  

 

Domestic Delight

(By air)

Domestic Basic

(By air)  

Accidental Death & Permanent

Disability  

1,000,000

500,000

Emergency Medical Expense-

Accident & Sickness  

50,000

25,000

Emergency Medical Evacuation  

30,000

15,000

Repatriation of Mortal Remains*  

15,000

15,000

Loss of baggage  

7,500

3,500

Loss of CNIC  

2,000

1,500

* in case of natural death only 

 

This is your Travel Insurance Policy. It tells you what is covered and what is not, as well as the conditions which apply and the basis on which all claims will be settled. This Policy and the Schedule form the contract of insurance. Please read them carefully, keep them in a safe place, and take them with you when you travel.

 

Insuring Agreement  

In consideration of payment of premium, we agree to provide insurance in accordance with the operative Sections of the Policy. The Schedule and any Endorsements are all part of the Policy. The information you have supplied forms part of the contract of insurance with us. Your Policy is evidence of that contract. 

 

Cover Chosen  

Your Schedule specifies the cover you have chosen. 

 

Availability of Cover  

This Policy is available only if you are a Citizen or have Resident Status in Pakistan and are travelling intercity within Pakistan by mode of transportation as mentioned on your policy schedule. 

 

Conditions and Exclusions  

Special Conditions apply to individual Sections of this Policy, while General Exclusions and General Conditions will apply to the whole of this Policy. Refer also to „not covered' which applies to each Section of the Policy. Additionally, specific claims procedures, which apply to certain Sections of the Policy, must be followed in order for a claim to be accepted.  

 

Age Eligibility  

This Policy is available to persons aged 6 months to 65 years unless mentioned otherwise in the policy schedule. 

 

Law and Jurisdiction  

Your Policy will be governed by the Law and Jurisdiction of Competent Courts of Islamic Republic of Pakistan. 

 

Material Fact  

All material facts must be disclosed to the underwriters. Failure to do so may affect your rights under this Policy. A material fact is a fact that is likely to influence the acceptance or assessment of the Insurance by underwriters. 

 

Policy Document  

Please read this document carefully. We wish to remind you that Cover varies from Policy to Policy and from Insurer to Insurer. 

 

 

Policy Limits  

Most Sections of your Policy have limits on the amount we will pay under that Section. Some Sections also have specific inner limits: for example, for Baggage. Please check your Policy to ensure that the cover afforded is clearly understood. 

 

Property Claims

These claims are settled based on the value of the property at the time of the loss and not the cost of buying new items. Your Policy details the claims procedure that must be followed for a claim to be accepted, in particular the requirement to obtain Police reports within 24 hours.

 

Reasonable Care  

You must take all reasonable care to protect yourself and your property as if you were not insured. 

 

Contact for Queries  

If you would like more information or require clarification on any of the Covers provided,

please do not hesitate to contact us on: 

Toll Free # 0800-00 242
UAN: 111-242-111
Email: [email protected]

 

Definitions  

Any word or expression to which a specific meaning has been attached will bear the same  meaning throughout this Policy. 

 

You/Your’s/Insured Person  

Means each person traveling on a Trip whose name appears in the Policy Schedule. 

 

We/Us/Our  

Means “Adamjee Insurance Company” 

 

Limits  

Means the applicable maximum benefits based on the option chosen 

 

Adventure Sports  

Means winter and Water Sports, trekking and safari. 

 

Baggage  

Means luggage, clothing, personal effects, Valuables and other articles which belong to you (or for which you are legally responsible) and are worn, used or carried by you during any Trip. 

 

Bodily Injury  

Means an identifiable physical injury sustained by you during the Period of Insurance by a sudden, unexpected and specific event. Injury as a result of your unavoidable exposure to the elements shall also be deemed to mean Bodily Injury. 

 

Emergency evacuation  

Means expenses incurred for the emergency transportation and medical care on to move the insured person who has a critical accidental medical condition, to the nearest hospital, where appropriate care and facilities are available 

 

Home / City of Residence  

Means your normal place of residence in any city of Pakistan of which you are a citizen or hold a valid resident status as of the date of your inter-city journey. 

 

Loss of Limb  

Means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot. 

 

Loss of Sight  

Means total and irrecoverable Loss of Sight in one or both eyes. 

 

Medical Condition  

Means any disease, illness or injury, 

 

Medical Practitioner  

Means a registered practicing member of the medical profession who is not related or known personally to you or any person with whom you are traveling. 

 

Period of Insurance  

Means the period of the Trip as stated in the Schedule and the period for which we have accepted the premium. The Insurance commences when you leave your Home to commence the Trip and terminates at the time of your return to your City of Residence within Pakistan on

completion of the intercity Trip or the expiry of the Policy (whichever is earlier). In any event, no Cover shall commence more than 24 hours prior to booked departure time or terminate more than 24 hours after booked return to Home.  The Period of Insurance is automatically extended for the period of the delay in the event that your return to Home is unavoidably delayed due to an event insured by this Policy where your

maximum stay shall be total number of days starting from the time of departure from your home city in Pakistan for intercity domestic air travel up-till the time of arrival in your home city on return from your domestic trip. 

 

Permanent Total Disablement  

Means disablement which is beyond reasonable hope of improvement having lasted for a continuous period of 1 year and prevents you from attending to any occupation or alternative remunerative work of any kind. 

 

Personal Money  

Means bank notes, currency notes and coins in current use, cheques, postal or money orders, prepaid coupons or vouchers, travel tickets, pre-booked event and entertainment tickets, phone cards and electronic money cards all held for private purposes.

 

Public Transport  

Means any publicly licensed aircraft on which you are booked to travel. 

 

Repatriation of mortal remains  

Means expenses incurred for preparation and transportation of the dead body of the insured person from city of visit (as mentioned in the policy schedule) to home city, provided the death occurred due to natural death only 

 

Schedule  

means the validation page attached to this Travel Policy setting out the names all those persons insured (You/Your/ Insured Person), the Area of Travel, the Policy type, the Period of Insurance and any other Special Conditions and terms. 

 

Trip  

Means any “Domestic Trip” or journey made by you within Pakistan as shown in the Schedule which begins and ends in the City of Residence during the Period of Insurance but excluding one-way trips or journeys. Any Trip solely within the City of Residence is not insured. 

 

Valuables  

means antiques, Jewelry, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs, cameras, camcorders, photographic audio video computer television and telecommunications equipment (including CDs. DVDs, tapes, films, cassettes, cartridges and headphones), mobile telephones, computer games and associated equipment, telescopes and binoculars.  

 

Important conditions relating to health  

It is a condition of this Policy that no Trip will be covered if at the time of taking out this Policy: 

  1. You or anyone upon whom the Trip plans depend has received a terminal prognosis.
  2. You or anyone upon whom the Trip plans depend are on a waiting list for, or have

knowledge of the need for, in-patient treatment at a hospital, clinic or nursing home. 

  1. You are traveling against the advice of a Medical Practitioner or would be traveling against

the advice of a Medical Practitioner had you sought his/her advice. 

  1. You or anyone upon whom the Trip plans depend is expected to give birth before, during or

within two months of the Trip. 

  1. You are aware of any circumstances that could reasonably be expected to give rise to a claim on this Policy. 

You must be able to comply with these conditions to have the full protection of this Policy. Otherwise, unless you have been given our prior written agreement, you will not be covered under the Policy.

 

 Covers 

All the following covers are subject to the monetary limits mentioned specifically on the schedule page of the policy or Annexure attached with the Schedule page of the policy and the required Excess or Deductibles mentioned thereon. 

 

SECTION A 

Emergency Medical Expenses 

We shall pay medical, pharmaceutical and hospital expenses incurred by you on medical prescription in urgent cases arising as a result of an accident which has occurred during the Trip, as well as ambulance expenses from the place of the accident to the nearest medical center subject to the limits and the deductibles mentioned on the schedule page. 

 

SECTION B 

Repatriation of mortal remains and emergency evacuation 

We undertake to bear and refund the cost of your transport if medically necessary: 

  1. to a hospital, which is better equipped to treat your case;
  2. to a hospital which is closer to your City of Residence;
  3. to your City of Residence.

What is not covered under SECTIONS A,B. 

  1. The cost of treatment, medication or surgery, Including exploratory tests, which are not

directly related to or result from the accidental Bodily Injury or Illness which necessitated your admittance into hospital 

  1. Costs of prosthetics, cosmetics, plastic surgery and physiotherapy Investigations, checkup,

medical examination being part of preventive medicine 

  1. Pre-existing medical Condition, pregnancy, convalescence or relapses

 

SECTION C 

Personal Accident Benefit  

We will pay one of the Benefits shown below if, during the Period of Insurance, you sustain Bodily Injury, which shall solely and independently of any other cause, result within one year in: 

  • Death
  • Loss of Limb
  • Loss of Sight
  • Permanent Total Disablement

 

Special Conditions 

  1. Only one Benefit shall be payable,
  2. Our Medical Advisors may examine you as often as they deem necessary in the event of a claim. 

 

What is not covered  

Any Bodily Injury caused directly or indirectly by: 

  1. Pregnancy
  2. Any claim arising from your failure to comply with the Important Conditions relating to Health mentioned below.

 

Section D 

Loss of Checked-In Personal Baggage 

We will pay up to the amount shown in the Schedule of Benefits in the event You suffer a total loss of Personal Baggage that has been checked by an domestic Airline for a domestic flight. Any benefit paid will be excess of an amount received by the Airline. In the event of a loss of Personal Baggage, We reserve the right to replace or pay the intrinsic value of any lost article.  A deductible of 50% shall apply to insured person below the age of 16. 

 

Special Conditions 

You must take reasonable precautions at all times to ensure the safety and supervision of Baggage, and you should take all practicable steps to recover properly lost or stolen. If it is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must

report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If property is lost, stolen or damaged whilst in the care of an airline you must:

  1. Obtain a Property Irregularity Report by Airport/ Police Report
  2. Give formal written notice of the claim to the airline within the time limit contained in their

conditions of carriage (Please retain a copy) 

  1. Retain all travel tickets and tags for submission if a claim is to be made under this Policy
  2. Retain receipts for items lost, stolen or damaged as these will help you to substantiate your claim 

 

What is not covered 

  1. Claims for Valuables and Personal Money in Checked-In Personal Baggage
  2. Loss or damage due to delay, confiscation or detention by customs or other authority
  3. Partial loss or damage to Checked-In Personal Baggage. However, total loss or damage of an individual unit(s) of baggage shall not be construed as falling within this exclusion
  4. Depreciation in value or shortages due to error or omission
  5. Claims for items for which You have already been reimbursed by the Airline or another party
  6. Business goods, samples, tools of trade, motor accessories or other items used in connection with your employment or occupation
  7. Wear and tear, depreciation, deterioration or loss or damage by atmospheric or climatic conditions by moth, vermin, by any process of cleaning, repairing or restoring, mechanical or electrical breakdown or derangement. 

 

Section E 

Loss of CNIC 

We will pay up to the amount shown in the Schedule of Benefits in the event You suffer a loss of CNIC due to violent, forcible and/or visible Snatching/Robbery of your wallet during the period of insurance.  

 

Special Conditions 

You must take reasonable precautions at all times to ensure the safety and supervision of your  CNIC, and you should take all practicable steps to recover properly lost or stolen. You are to obtain a Property Irregularity Report / Police Report and also inform and obtain a complaint‟s acknowledgement in writing in case if you are in the care of a carrier, authority or hotel, with details of the loss or theft. 

 

General Exclusions 

Applicable to All Sections of the Policy 

We will not pay for claims arising directly or indirectly from: 

  1. War invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power riot or civil commotion.
  2. Any act of Terrorism -for the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political religious ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.
  3. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly 
  4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices traveling at sonic or supersonic speeds.
  5. Losses arising, directly or indirectly from the loss of, alteration of, or damage to or a reduction in the functionality, availability or operation of a computer system, hardware, programed, software, data information repository, microchip, integrated circuit or similar device in computer equipment, that results from the malicious or negligent transfer (electronic or otherwise) of a computer programme that contains any malicious and or damaging code, including but not limited to computer virus, worm, logic bomb, or Trojan horse and which can be identified as the cause of loss.
  6. Your pursuit of Adventure Sports (Winter Sports and/or Water Sports and/or trekking and/or safari (unless this extension has been purchased and specifically stated as covered in the Schedule but, in any case, excluding the professional practice of these activities in competition) The following activities: bob sleigh/skeletons, bobbing, off-piste skiing, free-style skiing, heli-skiing, luge, ski acrobatics, ski flying, ski jumping, ski mountaineering, glacier skiing, ski stunting, snow carting, snow mobiling, snowcat skiing or skiing against local authoritative warning or advice.
  7. Your engagement In or practice for manual work in connection with a profession, business or trade, the use of motorized two-or three-wheeled vehicles unless a full driving license is held permitting the use of such vehicles in those cities which you are visiting/traveling through, motor competitions/rallies, professional entertaining, professional sports or racing 
  8. Your engagement in or practice for base jumping, bungee jumping, expeditions, jet skiing, mountaineering requiring the use of guides or ropes, shark diving or underwater activities 
  9. Your engagement in or practice for boxing, canyoning, caving, cycle racing, fencing, flying in unlicensed aircraft or as a learner, competitive football, gliding, gymnastics, hang gliding, horse riding in competitions, hot air ballooning, hunting, ice hockey, karate, kayaking, martial arts, micro lighting, parachuting, paragliding, parapenting/parascending/parasailing, polo, potholing, rugby, sky diving, sky surfing, white water rafting/ canoeing or wrestling
  10. Your willfully, self-inflicted injury or Illness, sexually transmitted diseases, solvent abuse, alcoholism, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life) 
  11. Your own unlawful action or any criminal proceedings against you
  12. Bodily Injury, Illness, sickness, death, loss, disablement, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV-related illness 
  13. Consequential loss of any kind
  14. A Trip from which you are not booked to return within the Period of Insurance
  15. Incidents which may give rise to a claim not notified to us in writing within 31 days of the end of the Trip other than Personal Accident, where the maximum notification time is 90 days. 
  16. Operational duties as a member of the Armed Forces
  17. Your suffering from stress, anxiety, depression or any other mental or nervous disorder.

 

General Conditions 

You must comply with the following conditions to have the full protection of your Policy. If you do not comply, we may, at our option, cancel the Policy or refuse to deal with your claim or reduce the amount of any claim payment

  1. Duty of Disclosure

It is a condition of this Insurance that you have disclosed all material facts to us. Your failure to do so may affect your rights under this Insurance. If you are in any doubt about what was material then you should declare it to us. 

 

  1. Compliance

You must comply with all the terms, provisions, conditions and endorsements of this Insurance. Failure to do so may result in a claim being declined or reduce the amount of any claim payment. 

 

  1. Claims

You must notify us in respect of claims for all Sections: Apply Procedure on page 10 as soon as possible, but not later than 31 days of the end of the Trip.  You must also inform us if you are aware of any writ, summons or impending prosecution, every communication relating to a claim must be sent to us without delay. You or anyone acting on your behalf must not negotiate, admit or repudiate any claim without our written consent. You or your legal representatives must supply, at your own expense, all information, evidence, details of other insurances (if any) and medical certificates as required by us. We reserve the right to require you to undergo an independent medical examination at our expense. We may also request and will pay for a Post Mortem examination. 

You must retain any property which is damaged, and, if requested, send it to us at your own expense. If we pay a claim for the full value of the property and it is subsequently recovered or there is any salvage, then it will become our property. We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills.

 

  1. Dual Insurance

If at the time of any incident which results in a claim under this Policy, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share other than insurance section C. 

 

  1. Reasonable Precautions

You must take all reasonable steps to prevent and minimise accident, injury, loss or damage and at all times act as if uninsured.  

 

  1. Subrogation

We are entitled to take over and conduct in your name the defence and settlement of any legal action. We may also take proceedings at our own expense and for our own benefit, but in your name, to recover any payment we have made under this Policy to anyone else. 

 

  1. Fraud

You must not act in a fraudulent manner. If you or anyone acting for you Makes a claim under the Policy knowing the same to be false or fraudulently exaggerated in any respect or 

  • Makes a statement in support of a claim knowing the statement to be false in any respect or
  • Submits a document in support of a claim knowing the document to be forged or false in any respect or 
  • Makes a claim in respect of any Bodily Injury, Illness, loss or damage caused by your willfulact or with your connivance 

Then 

  • We shall not pay the claim
  • We shall not pay any other claim which has been or will be made under the Policy
  • We may, at our option, declare the Policy void
  • We shall be entitled to recover from you the amount of any claim already paid under the

Policy 

  • We shall not make any return of premium
  • We may inform the Police of the circumstances. 

 

  1. Cancellation 

You may cancel the Policy within 3 days of issue by giving us written notification, in which case, you may be entitled to a refund of premium provided no claim has been made and you have not travelled during the current Period of Insurance. We may cancel this Policy by writing to you at your last known address by recorded delivery giving 3 days notice. 

 

CONTINENTAL SCALE OF BENEFITS FOR SECTION I 

Compensation table

 

 

 

Event

Percentage of maximum benefits

1 Accidental Death

100%

2 Permanent total disablement

100%

3 Permanent paralysis of all limbs

100%

4 Permanent total loss of both eyes

100%

5 Permanent total loss of two limbs

100%

6 Loss of speech & hearing

100%

7 Permanent total loss of hearing in both ears

75%

8 Loss of or the permanent total loss of one limb

50%

9 Permanent total loss of sigh of one eye

25%

10 Permanent total loss of hearing in one ear

15%



MAKING A CLAIM

For medical and all other claims you will need to Call our Call Center 0800 00242 & complete a claim form as soon as possible after the incident has occurred or within 31 days of your return to your Home City. 

The completed claim form, together with invoices, proof of ownership, travel documents and any other relevant details must be sent to: 

 

Claims Department 

Adamjee Insurance Co Ltd.
9th Floor, Adamjee Insurance Building
I.I. Chundrigar Road, Karachi.

 

Please note that if medical treatment has been received, medical certificates showing the nature of the injury together with all bills, and receipts if already paid, should also be attached and returned to above referred address.

You can request a claim form by writing to, or by telephoning or visiting the website of: 

Adamjee Insurance Co. Ltd.
Tel: 111 242 111
URL: http://www.adamjeeinsurance.com