Bima Insurance Project Terms and Conditions
Bima Policy Terms And Conditions


Whereas the Insured Person by a proposal which shall be the basis of the contract and be held as incorporated herein has applied to the Company for the insurance hereinafter contained and has paid or agreed to pay the first premium as consideration for such insurance.

Now this policy witnesses that subject to the terms conditions and exceptions contained herein or endorsed hereon, if at any time during the period of insurance, if the Insured Person shall sustain any Bodily Injury caused by Accident as defined herein, the Company will pay to the Insured Person or in the event of his death, to his Beneficiary, if surviving, otherwise to the estate of the Insured Person the Benefit stated in the Policy Schedule attached hereto


  • ACCIDENT means a sudden, unexpected, unusual, specific event, which occurs at an identifiable time and place.
  • ACCIDENT PROTECTION PLAN means one of the personal accident insurance covers under this Insurance Policy.
  • ALFALAH refers to the COMPANY, the INSURER, or Alfalah Insurance Company Limited.
  • APPLICANT means the individual who applies for an Accident Protection Plan under this Policy.
  • BENEFICIARY is defined as Beneficiary in the application or the person substituted as such.
  • INSURANCE BENEFIT(S) are amounts payable in the event of an idemnifiable claim and as detailed in the Schedule of Insurance Benefits attached hereinafter.
  • BIMA refers to Milvik Mobile Pakistan.
  • BODILY INJURY means Bodily Injury which
    • is sustained by the Insured Person during the period of insurance and;
    • is caused by external, violent and visible means and;
    • is solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such Bodily Injury, occasions the death or Disablement of the Insured Person within twelve calendar months from the date of the Accident by which such Bodily Injury is caused.
  • The COMPANY is stated as Alfalah Insurance Company Limited.
  • ELIGIBLE APPLICANT means an Applicant who meets the eligibility criteria set forth in this Policy.
  • END USER PRICE means the amount to be charged to the Subscriber for getting the Insurance Policy and it shall include the Premium, Warid’s Consideration and any applicable taxes on the telco services involved in the provision of Insurance Services.
  • INSURANCE COVER means the amount which shall be paid by Alfalah to the Beneficiary or the Insured as per the terms and conditions of the Insurance Policy.
  • INSURANCE POLICY means this insurance policy setting out the terms and conditions on which insurance coverage is granted to a Subscriber.
  • INSURANCE SERVICES shall mean the insurance services to be provided to Warid Customers.
  • The INSURED or INSURED PERSON means any Warid Telecom subscriber who opt to purchase policy
  • The INSURERis stated as Alfalah Insurance Company Limited.
  • MSISDN shall mean Mobile Subscriber Integrated Services Digital Network Number.
    • TOTAL AND PERMANENT DISBLEMENT means the Insured Member has established to the satisfaction of Insurer that the Insured Member has been incapacitated by Injury to such an extent as to render the Insured Member unable ever to engage in or work for reward in any occupation or work (on a temporary basis, part-time basis or full-time basis) which the Insured Member is capable of performing by reason of his or her education, training or experience.
    • PERMANENT PARTIAL DISABLEMENT means all those bodily injuries  which result in reducing the insured person’s ability to work as defined in the Table of Insurance Benefits.
  • PREMIUM means the premium payable by an Insured Member to Insurer in relation to the Insurance Policy.
  • SUBSCRIBER means those Warid Customers who subscribe for the Insurance Services to get this Insurance Policy.
  • WARID refers to Warid Telecom.
  • WARID CUSTOMERS shall mean the customers of Warid using Warid’s System.
  • WARID SYSTEMS means Warid’s GSM mobile cellular system.
  • WARID PAYMENT TERMS means Warid’s payment terms published at, as revised from time to time.


The Personal Accident Insurance Cover shall not cover any Death or Permanent Disablement which is caused by, or resulting, directly or indirectly, wholly or partly, from any of the following factors:

    • while the Insured is under the influence (temporarily or otherwise) of intoxicants, alcohol or drugs
    • while the Insured is engaging in or practicing for winter sports, hunting, mountaineering or racing of any kind other than on foot..
    • nuclear energy or radioactivity of any kind including but not limited to any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss
        • ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
        • The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.
        •  Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
    • any loss, damage or liability arising out of the accidental or deliberate emission discharge dispersal release or escape of any solid, liquid or gaseous Chemical agent and/or Biological agent. Chemical agent shall mean any compound which, when suitably disseminated results in bodily injury or Death Disablement or incurring of Medical Expenses. Biological agent shall mean any pathogenic micro-organism and/or biologically produced toxin(s) including genetically modified organisms and chemically synthesized toxins which results in bodily injury Death Disablement or incurring of Medical Expenses War & Political Risks exclusion
    • War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war.
    • Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
    • Acts of terrorism for the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, or an act harmful to human life, tangible or intangible property or infrastructure, 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 purpose including the intention to influence any government and/or to put the public, or any section of the public, in fear


1. Eligibility & Enrolment

Applicants are eligible to apply for an Accident Protection Plan under the Policy if Applicants meet ALL the criteria set out below:

(1)           Eligible Applicants shall include individual pre-paid and post-paid Warid Customers. It is understood and agreed between the Parties that only one (1) person shall be insured per pre-paid or post-paid telecommunication connection.
(2)           All Eligible Applicants shall be natural persons. Corporations, partnerships and businesses shall not be eligible for coverage under the Personal Accident Policy.
(3)          All Eligible Applicants shall be a minimum of eighteen (18) years of age and a maximum of sixty four (64) years of age at the time of registration.
(4)          If the Applicant wishes to apply for and subscribe to an Accident Protection Plan under this Insurance Policy, the Applicant will be required during the registration process to:    
i.             acknowledge that the Applicant has read and understood the terms of the Policy and the Warid Payment Terms;
ii.            confirm that the Applicant meets the eligibility criteria set out in General Provision 1 of the policy;
iii.           confirm the Accident Protection Plan that the Applicant wishes to apply for;
iv.           authorise Warid to make 30 daily deductions each month from the prepaid account or one monthly deduction from the postpaid account; and
a.            the Insurance Benefits payable are subject to the Applicant’s confirmations being true and correct; and
b.            if the Applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable and the End User Price the Subscriber paid will not be refunded.

2. Mistake In Age

  • The Company shall only pay Insurance Benefits based on the disclosed age of the Insured. With the onus on the customer for incorrect disclosure the Company shall not be liable to pay any benefit under this Policy in that particular case.

3. Intentional False Statements Of The Insured

  • In the event of any concealment or misrepresentation the Personal Accident Policy shall become null and void with respect to the relevant Insured.  

4. Notice Of Claims

the Company shall be notified of the occurrence of Death of the Insured or the Permanent Disablement of the Insured as soon as possible, but not later than 90 (ninety) days from the date of Death or occurrence of Permanent Disablement after which it shall be treated as time‑barred and the Company shall not be bound to pay the Claim.
(2)           For each Claim reported, the Company shall obtain:
From the Claimant:
In case of Death:
A notice of death, which could be a legal death certificate, a certificate of attending physician, containing his registration number and mentioning actual cause of death, and proof of the personal identity of the Insured, which could be the official personal identity data.
In case of Permanent Disablement:
Medical report containing the degree of Disablement certified by the surgeon.
In case of Permanent Disablement, unnatural or unusual death, Insurer may require any other document it reasonably deems necessary before approving a claim under the Policy.
(3)           The Company” shall process and pay genuine and approved claims      on receipt of required documents from the Claimant within three (3) working days.
(4)           If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.

5. Termination Of Individual Insurance

The insurance of an Insured shall automatically terminate at the earliest time below:

  • The Insured exceeds sixty five (65) years of age; or
  • Upon payment on Death or
  • Upon settlement of the Insured of the amount of insurance, including in the event of early termination of such relationship; or
  • Upon cancellation or withdrawal of subscription by Warid of the contract/relationship with the Insured, whatever the reason may be, or
  • In case of non-payment of the individual End User Price for the Insurance Policy.

6. Participation Requirement/Process

Interested customers shall participate through an electronic enrolment process, assisted by a call center or field agent, or by submitting information electronically via their handset, in two phases:

1st Phase:
Name of the Customer:    
Age or CNIC Number:
Name of the Beneficiary:
Relationship to Customer:
Insurance Benefits selected by Customer:

2nd phase:
Once the customer has answered the questions in the 1st Phase, the customer shall receive an SMS on for or on behalf of the Company and shall be asked to dial a short code, or send an SMS to a particular number to confirm registration. This confirmation serves as digital signature for the Personal Accident Insurance Cover. After receiving positive response, the customer shall be enrolled under the Personal Accident Policy.

7. Arbitration

All differences arising out of this policy shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of parties or incase the arbitrators do not agree of an umpire appointed in writing by the arbitrators before entering upon the reference. The umpire shall sit with the arbitrators and preside at their meetings and the making of an award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured Person for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitrator under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.Notwithstanding stated above, dispute resolution forums given under the Insurance Ordinance, 2000, such as the Insurance Ombudsman, Small Disputes Resolution Committee and the Insurance Tribunals, shall prevail in the order of precedence, and over the seat of Arbitration.

8. Compliance with Policy Provisions

Failure to comply with any of the provisions contained in the policy shall invalidate all claims hereunder.

9. Insurance Benefits

The Company hereby agrees to pay the following benefit subject to the terms and conditions provided under the Personal Accident Policy as defined hereunder.

If an Insured dies or is permanently disabled due to an Accident as defined herein, on a twenty four (24)-hour worldwide basis, the Company will, upon receipt of due proof in writing of the Death or Permanent Disablement of the insured, pay the Insured or Beneficiary as the case may be the sum assured, according to their InsuranceCover level as described in this Insurance Benefits Section of the Policy Wording, as full and final settlement of Death or Permanent Disablement Claim in respect of the deceased/disabled Insured.

The amount of benefit received by the Insured or the Beneficiary in the event of the accidental Death or Total and Permanent Disablement of the Insured will be according to the .

Terms and conditions of this cover are as follows:

  • Only One (1) policy per applicant
  • A Claim must be intimated to the Company within ninety (90) days from the date of occurrence of the Death or Permanent Disablement
  • Payment of claims is subject to exclusions, as outlined in the Exclusions section of this contract

In the event of partial pay-out following Permanent Disablement due to Accident, the Company shall
permit renewal of the insurance offer on a case-by case basis, and inform the registered subscriber
accordingly. The following actions shall be taken depending on the decision of renewal or non-renewal:

  • On non-renewal: The insurance policy shall be terminated, and all airtime deduction or billing shall be discontinued; any amount deducted or billed after the occurrence of the accident is nonrefundable.
  • On renewal: the insurance policy shall continue on auto-renewal, and all airtime deduction or billing will continue to apply in subsequent calendar month

The Personal Accident Insurance Cover is extended to one (1) person per Warid subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

The Personal Accident Insurance Cover is extended to one (1) person per Warid subscriber who is a successful Applicant for the Personal Accident Insurance Cover. Each Applicant is allowed to select the level of maximum insurance benefit at the point of Enrolment.

Monthly Premium due Method of Payment Level of maximum insurance benefit provided
PKR 30 Prepaid balance or Post-paid billing PKR150,000
PKR 60 Prepaid balance or Post-paid billing PKR300,000
PKR 150 Prepaid balance or Post-paid billing PKR750,000
PKR 300 Prepaid balance or Post-paid billing PKR 1,500,000

For pre-paid accounts, if the Applicant pays less than the monthly Premium due in the preceding calendar month, a proportionately reduced amount of insurance benefit will be provided based on the following thresholds for the different insurance policies:

PKR 150,000 policy  
Amount of End User Price paid in calendar month (PKR) Maximum Insurance Benefit covered in the following month (PKR)
30 plus taxes 150,000
25 plus taxes 125,000
20 plus taxes 100,000
15 plus taxes 75,000
10 plus taxes 50,000
5 plus taxes 25,000
Below 5 plus tax nil
PKR 300,000 policy  
Amount of End User Price paid in calendar month (PKR) Maximum Insurance Benefit covered in the following month (PKR)
60 plus taxes 300,000
50 plus taxes 250,000
40 plus taxes 200,000
30 plus taxes 150,000
20 plus taxes 100,000
10 plus taxes 50,000
Below 10 plus tax nil
PKR 750,000 policy  
Amount of End User Price paid in calendar month (PKR) Maximum Insurance Benefit covered in the following month (PKR)
150 plus taxes 750,000
125 plus taxes 625,000
100 plus taxes 500,000
75 plus taxes 375,000
50 plus taxes 250,000
25 plus taxes 125,000
Below 25 plus taxes nil
PKR 1,500,000 policy  
Amount of End User Price paid in calendar month (PKR) Maximum Insurance Benefit covered in the following month (PKR)
300 plus taxes 1,500,000
250 plus taxes 1,250,000
200 plus taxes 1,000,000
150 plus taxes 750,000
100 plus taxes 500,000
50 plus taxes 250,000
Below 50 plus taxes nil

For post-paid accounts, successful withdrawal represents billing and payment of the entire monthly premium due. If payment is made, corresponding cover is issued for PKR 30, PKR 60, PKR 150, or PKR 300 Premium plans as stated above.

Table of Insurance Benefits

Death  Total Permanent Disablement % of maximum insurance benefit paid
Accidental death 100%
Loss of two limbs 100%
Loss of both hands, or of all fingers and both thumbs 100%
Total paralysis                                              100%
Total insanity 100%
Injuries resulting in being Permanently bedridden 100%
Any other injury resulting in Permanent Disablement 100%
Total and irrevocable loss of all sight in both eyes 100%
PERMANENT PARTIAL DISABLEMENT % of maximum insurance benefit paid out
Loss of arm at shoulder 50%
Loss of arm between shoulder and elbow 50%
Loss of arm between elbow and wrist 50%
Loss of hand at wrist 50%
Loss of leg at hip 50%
Loss of leg between knee and hip 50%
Loss of leg below knee 50%
Total and irrevocable loss of all sight in one eye 50%
Loss of four fingers and thumb on one hand 50%
Loss of speech 50%

Acknowledgement of the Customer
(Policy Terms and Conditions shall remain subject to the following)

    • Bima is the Insurance broker who has been authorized by Alfalah Insurance Company Limited to bind cover on behalf of Insurer within the terms and conditions of thisInsurance Policy.To cease daily deductions, the Subscriber must deregister the Subscriber’s Accident Protection Plan by contacting Bima. Otherwise, Warid will continue making daily deductions for so long as the Subscriber’s prepaid or postpaid account has a positive credit balance.
    • In the event that the Subscriber, as an Insured Member, subscribe to more than one (1) Accident Protection Plan under the Insurance Policy (including through different Warid mobile accounts):
      • The Subscriber’s maximum benefit shall be the maximum benefit offered by only one of the Accident Protection Plans that the Subscriber has subscribed to;
      • Our maximum liability to the Subscriber or the Subscriber’s beneficiary shall be the higher of the two Accident Protection Plans that the Subscriber subscribed to;
    • After becoming the Subscriber in the Insurance Service, Warid Subscriber permits Warid to share his details and information available with Warid and as sought by Alfalah Insurance and Bima or any other entity authorized by Alfalah Insurance in this regard, for inter alia processing of the Policy, storing and processing data across countries, and more effectively providing the Insurance Service and payment of Insurance Cover; Warid Customer/Subscriber agrees and acknowledges that he or his legal heirs shall not hold Warid responsible for any consequences of sharing such information;
    • Fraud or abuse relating to Re-Load/Re-Charge may result in forfeiture/cancellation of the Policy, suspension of Warid Services of the Customer/Subscriber and termination of his Connection; and
    • While availing the Insurance Service the Subscriber shall not respond to any calls/SMSs directing to make/send calls/SMSs to any other number/short code or which are regarding award of any prize (whether money or in kind) in lieu of balance transfer or any call. Ignorance of this clause by Warid Customer/Subscriber shall not accrue any liabilities/responsibilities on Alfalah Insurance or Warid including but not limited to liability/responsibility towards any loss occurred to the Warid Customer/Subscriber
    • Warid, Alfalah, or Bima may amend these Terms and Conditions at any time. The Subscriber shall be informed through an SMS or any other manner in accordance with the relevant laws that these Terms and Conditions are amended. Such SMS or information through any other manner (as mentioned above) shall contain a link to such amended Terms and Conditions, and if the Subscriber shall continue to pay for the Insurance Cover it shall be the acceptance of the Subscriber to the amended Terms and Conditions.
    • Warid, Bima, and Alfalah may jointly amend the Service Charges from time to time at their discretion in accordance with the applicable laws and regulations of Pakistan Telecommunication Authority (“PTA”). The acceptance of these Terms and Conditions of the Subscriber shall also be the acceptance with the End User Price to be charged to provide the Insurance Policy;
    • Alfalah, Warid, and Bima have the complete authority to stop offering the Accident Protection Plan or Policy at any time at their discretion.
    • The Subscriber acknowledges that these Terms and Conditions are in addition to the terms and conditions accepted by the Subscriber at the time of availing Warid’s cellular services (which includes the terms and conditions of CSAF and the terms and conditions received in the SIM Jacket). However in case of conflict between these Terms and Conditions and terms and conditions of CSAF, these Terms and Conditions shall prevail to the extent of subject matter of these Terms and Conditions.
    • The domestic laws of the Islamic Republic of Pakistan shall govern the Insurance Policy and the Courts of the Islamic Republic of Pakistan shall have jurisdiction in any dispute arising hereunder.
    • If any provision of the Insurance policy is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of the Insurance policy which will remain in full force and effect.
    • This policy has been especially created to provide protection for those Warid Customers who successfully apply for that protection and who pay the appropriate Premium. Accordingly, notices to the Subscriber may be provided by:
    • SMS to the Subscriber’s prepaid or postpaid mobile service (from which daily deductions are made);If a notice is made by SMS, the notice is deemed to be received on the day the SMS is sent. If a notice is placed on a website, the notice is deemed to be received on the day the notice is placed
    • notification placed on or on the Insurer’s website at ; or
    • by publication in a major newspaper in the Islamic Republic of Pakistan.