Terms & Conditions

Welcome to the official website and digital platforms of Alfalah Insurance Company Limited (“Alfalah Insurance”, “Company”, “we”, “our”, or “us”).

This Website has been developed to provide the general public, customers, and policyholders with access to information, insurance products, and related services offered by Alfalah Insurance.

By accessing, browsing, or using this Website/App, you acknowledge that you have read, understood, and agreed to comply with these Terms & Conditions. If you do not agree with these terms, please refrain from using this Website/App.

Alfalah Insurance reserves the right to amend, modify, or update these Terms & Conditions at any time without prior notice. Updated terms will be posted on this page and shall become effective immediately upon publication. Users are encouraged to review these terms periodically.

Purchase Online / Request a Quote

Premium quotations provided through this Website are indicative and subject to underwriting guidelines, policy terms, and applicable conditions.

To obtain the final payable premium and complete purchase, users must proceed through the designated purchase journey.

Please note:

• All premium quotations are approximate in nature
• Final pricing may vary based on submitted information and underwriting review
• Quotes generated through the platform remain valid for a period of seven (7) days from the date of issuance unless otherwise specified

Issuance of any insurance policy remains subject to approval by Alfalah Insurance.

Customer Communication

By submitting your contact details, including mobile number and email address, through our Website/App, you authorize Alfalah Insurance to contact you for purposes including but not limited to:

• Product information and service updates
• Policy issuance and renewal reminders
• Claims-related communication
• Customer support follow-ups
• Marketing campaigns, offers, and promotional communication

Communication may be conducted via:

• Phone call
• SMS
• Email
• WhatsApp or other approved digital channels

Where marketing communication is sent, users may opt out through available unsubscribe mechanisms.

Consent for Collection & Sharing of Information

By using this Website and submitting your information, you provide your consent to Alfalah Insurance, its authorized representatives, service providers, affiliates, and business partners to collect, process, verify, and share relevant information for purposes including:

• Policy issuance and servicing
• Underwriting
• Claims processing
• Customer verification
• Regulatory compliance
• Service facilitation

Such information shall be handled in accordance with our Privacy Policy and applicable legal requirements.

By proceeding, you confirm that you have read and understood both the Privacy Policy and these Terms & Conditions.

Refunds & Cancellations

Refunds and policy cancellations are subject to the specific terms, conditions, and cancellation clauses applicable to the purchased insurance product.

For refund or cancellation requests, customers may contact:

Customer Support
UAN: +92 42 111-234-222
Email: info@alfalahinsurance.com

Cancellation requests shall be processed in accordance with applicable underwriting guidelines, policy terms, and regulatory requirements.

Intellectual Property & Copyright

All content available on this Website, including but not limited to:

• Logos
• Graphics
• Text
• Product information
• Website design
• Images
• Downloads and documents

is the exclusive property of Alfalah Insurance Company Limited and is protected under applicable copyright, trademark, and intellectual property laws.

Users may not:

• Copy
• Modify
• Reproduce
• Distribute
• Republish
• License
• Sell
• Create derivative works from website content

without prior written permission from Alfalah Insurance.

Unauthorized use may result in legal action.

Limitation of Liability

Alfalah Insurance makes reasonable efforts to ensure that information on this Website is accurate and up to date.

However, we do not guarantee:

• Accuracy
• Completeness
• Availability
• Reliability of content at all the times

Alfalah Insurance shall not be liable for any direct, indirect, incidental, or consequential loss or damages arising from use of this Website.

External Links

This Website may contain links to third-party websites for user convenience.

Alfalah Insurance is not responsible for the content, privacy practices, or security of external websites.

Users are advised to review applicable policies before sharing information on third-party platforms.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan.

Any disputes arising in connection with the use of this Website shall be subject to the jurisdiction of competent courts in Pakistan.

Contact Us

For questions or concerns regarding these Terms & Conditions, please contact:

Alfalah Insurance Company Limited
UAN: +92 42 111-234-222
Email: info@alfalahinsurance.com
Website: www.alfalahinsurance.com