Cover for your vehicle and the people you share the road with
Travel Takaful helps with the cost of things going wrong away from home. It can cover emergency medical treatment, cancelling a trip for a covered reason, lost or delayed baggage, lost travel documents and serious accidents during your journey. Cover runs for the dates and destinations stated in your schedule. Domestic Travel Accident Takaful gives accident cover for journeys within the territory stated in your schedule.
Your contribution goes into a participants' risk fund as Tabarru', and covered claims are paid from that fund. Kalkaal manages it as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Emergency medical cover while you are away from home
- Cancellation, baggage and travel document cover in the same plan
- Plans for individuals, families, students and business travellers
- Accident cover for journeys within the territory stated in your schedule
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Travel Takaful
Covers medical emergencies, cancellation, baggage, travel documents and accidents for the trip dates and destinations stated in your schedule.
Domestic Travel Accident Takaful
Accident cover for journeys within the territory stated in your schedule, such as travel between towns for work or family.
What’s covered
- Emergency medical and hospital costs if you fall ill or are injured while travelling
- Emergency medical transport and repatriation, as set out in your schedule
- Cancelling or cutting short a trip for a covered reason, such as serious illness
- Loss of, or delay to, your checked baggage
- Loss of your passport or travel documents while you are away
- Accidental death or permanent disability during the journey
- Your legal liability for accidental injury to others or damage to their property
Not covered and conditions
- Medical conditions you had before travelling, unless declared and accepted in your schedule
- Travel against medical advice, or travel to seek medical treatment
- Travel to destinations not named in your schedule
- Losses while under the influence of alcohol or drugs
- Baggage left unattended, and valuables not carried in your hand luggage
- Hazardous sports and activities, unless added to your schedule
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- If you need treatment, get it, and keep every medical report and receipt.
- Report lost or delayed baggage to the airline before you leave the airport, and ask for a written report.
- Report theft or lost documents to the local police and get a written report.
- Notify Kalkaal as soon as you reasonably can, and within the period stated in your schedule.
Documents you will usually need
- Completed claim form
- Your schedule, and travel tickets or boarding passes
- Medical reports and original itemised invoices for treatment
- The airline's written report, for lost or delayed baggage
- Police report, for theft or loss of property or documents
- Evidence of the reason for cancellation, such as a doctor's letter, with cancellation invoices
- Receipts for essential items bought while your baggage was delayed
What you’ll need for a quote
- Names, dates of birth and passport details of each traveller
- Your destinations and trip dates
- The purpose of travel, such as holiday, pilgrimage, study or business
- Details of any existing medical conditions
- Your university admission letter, for student cover
- Employer details and a list of travellers, for business travel cover
FAQs
Are medical conditions I already have covered?
Conditions you had before you travelled are not covered unless you declare them and Kalkaal accepts them in your schedule. Tell a Kalkaal advisor about any existing conditions and medicines before you decide. Travel Takaful is for sudden illness or injury while you travel, not for planned treatment or for travel against medical advice.
What is Domestic Travel Accident Takaful?
Domestic Travel Accident Takaful gives accident cover for journeys within the territory stated in your schedule, for example travel between towns for work or to visit family. It provides the benefits set out in your schedule if an accident during the journey causes death or disability. A Kalkaal advisor can explain how it differs from Travel Takaful for your trip.
Can I use my Travel Takaful schedule for a visa application?
Some embassies and universities ask for proof of travel cover, and their requirements differ. Tell a Kalkaal advisor what is being asked for, such as the type of cover and the dates. The advisor will tell you whether a Travel Takaful schedule can meet the requirement before you decide. Cover starts only when Kalkaal confirms it in your schedule.
You may also need
Medical cover for your family and your workforce
Protection for your home, your premises and what is inside
Request a call back
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