…Insuring with Transparency and Fairness

This scheme seeks in return to contribution paid by the sponsors, to settle/reimburse all bills resulting from the medical attention necessitated through sickness or accident and carried out in
a Hospital or Health Institution in accordance with the rules and guidelines of the WATL Group Scheme.

The benefit of the Medical Scheme is that when local facilities available are not adequate to handle the patients’ medical condition, provisions are made available to evacuate the patient to the nearest country where such condition can be effectively managed.

Quotations are based on Group Size and Scheme Option.

The Hajj & Umrah Takaful covers or indemnifies the Participant in respect of illness and or
accidents that require Medical Expenses/Attention and Hospitalization as follows:-

Medical, Hospitalization, Pharmaceutical expenses, Surgical expenses US$ 15,000.00

Compensation for in-flight loss of checked-in baggage US$ 500.00/US$ 1000.00

Accidental Death US$ 2,000.00

Permanent Total Disability US$ 5,000.00

Loss of Limb US$ 2,500.00

Personal Liability, Legal Fees and Bail Bond US$ 20,000.00

This Takaful becomes operative following the failure of your machines be it refrigerators, generators etc. as a result of which goods such as perishables etc. deteriorate and losses their economic value. Our Stock Deterioration Certificate, therefore, indemnifies the participant against losses to goods following Machinery Breakdown and or failure of your machines.

The TPA Policy (as it is commonly referred to) like the Personal Accident Takaful protects against accidental death and accidental bodily injuries from the time you board the commercial aircraft to your destination up to the time you disembark the aircraft upon your return home or country of residence.

Cancellation and curtailment expenses are additions to the certificate as well as loss of baggage as agreed before your travel.