Coverage
1. Medical expenses - Up to MVR 500,000 (Excess of MVR 1,500)
Emergency medical expenses inclusive of room charges, intensive care unit, surgical treatment, anesthetic service, physician visit, diagnostic or pre admission testing, ambulance services, outpatient treatment and emergency dental treatment.
2. Personal accident and permanent total disability – Up to MVR 300,000
A sustained bodily injury during the trip caused by accidental external violent and visible means and resulted to death or permanent total disablement.
3. Cancelation or Curtailment – Up to MVR 20,000
Irrecoverable deposits or payments for used travel and accommodations paid in advance or contracted to be paid will be reimbursed in the event of an unavoidable trip cancellation.
4. Loss of passport– Up to MVR 3,000
Covers any additional expenses incurred during the trip to replace a lost passport.
5. Loss of checked in baggage – Up to MVR 10,000
Permanent loss of baggage that has been checked-in by an international airline.
6. Delay of checked in baggage – MVR 2,000
An event of suffering a delay of baggage that has been checked in by an international airline. Benefit will only be payable in case of delays an entire piece of checked baggage
7. Hijacking – Up to MVR 15,000
Will be covered according to the selected scheme for each completes day you are detained in excess of 24 hours
8. Personal Liability – Up to MVR 150,000
Covers any bodily injury or property damage caused to a third party during the trip for which you are legally responsible.
Proposal form
Claims hotline · 1557
How to claim
What to do if something happens, step by step.
- In a medical emergency abroad, call the 24/7 assistance line printed on your certificate before you go to hospital where you can.
- Tell us straight away: call the hotline 1557, use the ATM app, or email info@takaful.mv.
- Keep every receipt and report: medical bills, airline or hotel letters for delays and cancellations, and a police report within 24 hours for lost or stolen items.
- Submit your documents: the travel claim form from the Downloads page, your certificate, passport and boarding passes, and the receipts above.
- Settlement: once the claim is approved we pay by bank transfer and let you know.