About Hajj, Umrah & Ziarat Travel Takaful
A pilgrimage is a journey of the heart — it should be free of worldly worries. EFU Hajj, Umrah & Ziarat Travel Takaful is designed to give pilgrims complete peace of mind during their sacred journey, offering protection against medical emergencies, medical evacuation, loss of baggage and passport, personal accident, and more — backed by round-the-clock free assistance services in the country of visit, so Zaireen can focus entirely on their Ibadah.
Features
Features
Single-trip coverage from 7 days up to 45 days Matched to Hajj, Umrah, and Ziarat trip durations.
Three plan tiers — Basic, Plus, and Extra Covering Emergency Medical Expenses up to USD 10,000 / 20,000 / 30,000.
24/7 Free Assistance Services Including telephone medical advice, hospital admission arrangement, and medical translation, available throughout Saudi Arabia.
Covers pilgrims up to 66 years at standard contribution With extended eligibility up to 85 years at additional loading.
Optional add-on covers Hijacking, Personal Liability, Luggage Delay, and Covid-19 Emergency Medical Expenses — available for +10% contribution.
Group discounts For 25 or more pilgrims travelling together on the same trip and date.
Free document & passport-loss assistance Plus lost-luggage assistance and embassy / visa-requirement referral.
Benefits
Emergency Medical Expenses Incurred Abroad
Covers medical expenses incurred due to sudden illness or injury of the Participant occurring outside Pakistan during Hajj, Umrah, or Ziarat. Pre-existing conditions (known or unknown) are specifically excluded.
Emergency Medical Evacuation
Covers the cost of emergency evacuation to the nearest adequate medical facility, or repatriation for further treatment, where medically necessary during the pilgrimage.
Transportation of Mortal Remains
In the unfortunate event of the death of the Participant, the Assistance Service Provider arranges transportation of the mortal remains from Saudi Arabia to Pakistan.
Dental Emergency Abroad
Covers sudden dental pain, infection, or emergency dental treatment while abroad, subject to the stated excess per plan.
Loss of Passport
Covers the cost of re-issuance in case of accidental loss or theft of the Participant's passport while abroad.
Luggage Loss (per Kg, up to 40 Kg)
Compensates for checked-in baggage lost by the airline, calculated per kg up to the maximum weight limit.
Personal Money
Covers loss of cash, bank notes, or postal/money orders stolen from the Participant during the journey, subject to the excess and police-report requirement.
Personal Accident
Provides compensation to the Participant or legal heirs in the event of accidental death, occurring during the Takaful period while travelling or staying abroad for Hajj, Umrah, or Ziarat.
Permanent Total Disability (Accident Only)
Pays 100% of the Sum Covered in the event of permanent total disability resulting from an accident during the trip.
Permanent Partial Disability (Accident Only)
Pays a percentage of the Sum Covered as per the Type of Disablement Table, depending on the nature of the disability.