Need for Crop Insurance
The time period from crop sowing to harvest is extremely crucial for the farmers. But the unforeseen climatic changes only add to their worries. The field of agriculture is always exposed to hazards of floods, droughts, rains, and hail storms. Most of the farmers in our country are small cultivators and their financial resources are less and inadequate. All unforeseen catastrophes bring disaster in their lives. AICL provides coverage to all farmers in these disasters.

Why Adamjee?

• Farmer's assets are secured
• Brings stability to farmer's income
• Incase of crop damage, insurance company covers loan taken from bank
• Farmers get financial aid for re-cropping
• Gives a secured and peaceful life

Benefits and Coverage
The scheme shall cover the production loans provided by the Banks to the farmers. The cover provided under this policy is against unavoidable loss of crops or resulting directly from the following:

• Flood
• Drought
• Excessive rain
• Hailstorm
• Frost
• Locust attack
• Disease and Insect attack

2. Livestock
Pakistan has an agrarian economy and its livestock component being more than 50%. To meet the growing needs of our farmers, Adamjee Insurance Company has introduced Livestock Insurance.

Why Adamjee?

• Protection of Livestock
• Payment to the owner in case of death of livestock as per policy guidelines
• Guidance incase of illness of your livestock
• State-of-art methods of livestock care
• Professionally qualified veterinary doctors

Benefits and Coverage
The core emphasis of Adamjee Livestock Insurance is to provide peace of mind and secure necessities related to livestock. The policy coverage includes:

• Death coverage of cattle due to natural causes, disease, injury, or accident.
• Specialized doctors assigned task of providing farmers with latest farming procedures and practices.

Policies can be customized depending upon your specific needs.

3. Travel
Adamjee Insurance "Faaslay Asaan" gives you freedom from unforeseen travelling hassles. Providing you the convenience of an Instant Overseas Claim Settlement, whether you are on a vacation or a business trip.

Why Adamjee?

• Worldwide consulate and Embassy referral
• International healthcare services in collaboration with SOS
• Hotline service assistance in over 70 languages
• Arrangement of transport in case of a medical emergency
• Delivery of medicines not available at destination
• Luggage and Passport recovery assistance

Benefits and Coverage
Coverage by AICL Travel Insurance is an ideal option providing comprehensive worldwide travel insurance on either a trip-by-trip or on an annual basis, single annual payment covers multiple trips abroad for the entire year.

a. Individual International Travel
Premiums are payable in advance of the journey and reflect the length of stay overseas.

b. Family Travel
The family of the insured can be included in the plans at discounted rates.

c. Group Business Travel Insurance
All companies, large or small, wish to compensate employees who devote most of their time in business travel. Companies with multiple locations may be especially interested in Group Business Travel coverage.

Those travelling with aircraft owned and leased by their own company may be included within the overall program. Special packages may be assembled to cover a group of employees travelling together to attend seminars or conferences.

Premium Payment Method
Premium payment can be made through cash, cheque, pay order, demand draft, telex transfer to the concerned Adamjee Insurance branch.

Claim Reporting Process
To report a claim contact claims department via email / Fax / Letter or over the telephone as soon as possible.