Life is uncertain, Your future doesn’t have to be: The accidental death or disability of a breadwinner can create serious financial problems for the family. Our Family Shied Plan ensures total security and peace of mind.
What is Family Shield Plan?
Family Shield Plan is a policy that covers the insured against bodily injury or death caused due to accident.
The coverage is broadly divided into 3 plans.
- Basic : Accidental Death + Permanent Total Disability
- Wider : Accidental Death + Permanent Total Disability
+ Children’s Eduction Bonus
- Comprehensive : Accidental Death + Permanent Total Disability
+ Accidental Medical Reimbursement
+ Children’s Education Bonus
BENEFITS Pak Rupees
| Cover | Basic | Wider | Comprehensive |
| Accidental Death | 300,000 | 600,000 | 1,000,000 |
| Permanent Total Disability | 300,000 | 600,000 | 1,000,000 |
| Children’s Education Bonus | – | 400,000 | 400,000 |
| Accidental Medical Reimbursement | – | – | 100,000 |
PREMIUM Pak Rupees
| Cover Premium | Basic | Wider | Comprehensive |
| Per Annum | 499/= | 1,499/= | 2,499/= |
What are the benefits of this policy?.
- Highest compensation Rs.1,500,000/= in case of permanent total disability or accidental death
- Medical Expenses arising out of accident leading to permanent total disability.
- Children’s education bonus / in case of death or permanent total disablement of the Insured.
Who is eligible for this policy?
- Any resident of Pakistan between 18 to 60 years is eligible for this policy.
How do I submit my claim?
- If you meet with an accident and injure any part of your body that may result in a claim, you or someone claiming on your behalf must inform us in writing immediately and in any event within 21 days.
- Incase of death due to accident, the same must be informed to us in writing immediately and send us a copy of the death certificate / burial within 21 days.
What are the steps to be taken?
- You must immediately consult a Doctor and follow the advice and treatment that he / she recommends.
- You must get yourself examined by our medical advisor’s if we ask for this, and as often as we consider this to be necessary.
- You or someone claiming on your behalf must promptly give us the documentation and other information we ask for to investigate the claim or our obligation to make payment for it (documents required for claims are: Fully completed Claim Form, Death /PTD certificate from the doctor /hospital /burial, Death certificate from the Municipal Corporation, F.I.R. / Police Report).
How soon can I get my compensation?
- Century Insurance believes in quick processing. Claims are processed within seven working days from the date of fulfilling all the requirements.
What are the important exclusions under this policy?
- Accidental bodily injury that you meet with: through suicide, self-inflicted injury, pregnancy or child birth, pre-existing, venereal or sexually transmitted diseases. While under the influence or liquor or drugs: through deliberate or intentional, unlawful criminal act, or error or omission.
- Your consequential losses of any kind or your actual alleged legal liability.
- And others as listed in policy.
Who is entitled to get the compensation?
- The payment will be made to your or your nominee. If there is and nominee ad you are incapacitated or deceased, we will pay your heir, executor or validly appointed legal representative and any payment we make in this way will be a complete and final discharge of our liability to make payments.