1. Worldwide Personal Accident (Accidental Death & Permanent Disability) Takaful Coverage:
- Personal Accident Takaful cover for all Individual / Joint Accountholders of the bank in respect to Accidental Death & Permanent Disability Takaful up to the limit herein defined only.
- In case of more than one account, the tier of claim will be applicable based on the highest maintained account balance in the preceding month.
| Limits / Sum Covered Per Account Holder | ||
| Group | Average Balance maintain in account in month preceding the date of incident | Claim Amount Limit |
| A | Rs.10,000 to Rs.249,999/- | Rs.500,000/- |
| B | Rs.250,000 to Rs.999,999/- | Rs.1,000,000/- |
| C | Rs.1,000,000 to Rs.2,999,999/- | Rs.1,500,000/- |
| B | Rs. 3,000,000/- and Above | Rs.2,000,000/- |
2. Household Comprehensive Takaful Coverage:
- Household cover provides coverage against Fire & Lightning, Riot & Strike, Malicious Damage, Explosion, Impact Damage, Atmospheric Disturbance, Aircraft Damage, Burglary, Earthquake and Accidental Damage due to underground tank etc.
- In case of more than one account, the tier of claim will be applicable based on the highest maintained account balance in the preceding month.
- For Roshan Digital Accountholders, the household coverage is applicable only when the accountholder maintains/owns a house in Pakistan.
| Limits / Sum Covered Per Account Holder | ||
| Group | Average Balance maintain in account in month preceding the date of incident | Claim Amount Limit |
| A | Rs.10,000 to Rs.999,999/- | Rs.50,000/- |
| B | Rs.1,000,000 and above | Rs.100,000/- |
3. Mobile Phone Takaful Coverage:
- Mobile phone or Mobile handset Takaful covering loss resulting and arising out of Theft due to violent means and/or Armed Holdup .
- In case of more than one account, the tier of claim will be applicable based on the highest maintained account balance in the preceding month.
| Limits / Sum Covered Per Account Holder | ||
| Group | Average Balance maintain in account in month preceding the date of incident | Claim Amount Limit |
| A | Rs.500,000 to Rs.999,999/- | Rs.30,000/- |
| B | Rs.1,000,000 and above | Rs.60,000/- |
4. FREE Virtual OPD Consultation via Salaam Application
- All IBG Accountholders and Debit Card Holders can avail Free OPD Consultancy from highly qualified doctors from 09:00 am to 10:00 pm.
- Along with that IBG customers can avail multiple discount vouchers of Vouch365 and use multiple discounts on lab tests using Salaam application.
- For login details, call 021 111 225 111.
5. Cash Withdrawal & Personal Documents Takaful Coverage:
- 24 hours coverage for all debit cardholders of the Bank against the risk of snatching/ armed hold up/ forced deprivation of cash and Personal Documents (CNIC, Passport & Driving License) whilst withdrawal or over the counter coverage from any of the Bank Al Falah Limited branch or 1-Link/M-net ATM of any bank up to the limit as under :
- Cash withdrawal from ATM : Rs.35,000/-
- Cash withdrawal from Counter : Rs.50,000/-
- Personal Documents (CNIC, Passport & Driving License) : Rs.10,000/-
- Coverage shall commence from the moment an individual account/card holder withdraws cash from any ATM and shall be valid up to 30 minutes or within the radius/area of 1.5 kilometers from such withdrawal, whichever occurs first.
- Deduction if any will be as per policy.
- The coverage (cash withdrawal from ATM/CoC/Wallet) is only applicable within the territorial limits of Pakistan excluding FATA and PATA.
