Z-Insurance Mobile Insurance

Zong has partnered with Z-Insurance to facilitate and enable Z-Insurance's unique range of innovative insurance and protection products for Zong customers.

Overview

Zong has partnered with Z-Insurance to offer free monthly insurance coverage (theft/screen damage) of your mobile phone with our selected bundles as per following plan:

Bundle Name

Mobile Phone Insurance Coverage (Theft/screen Damage)

My4 Bundle

Upto PKR 200,000

Monthly Supreme Bundle

Upto PKR 200,000

Quatro ProMax Bundle

Upto PKR 300,000

My5 Bundle

Upto PKR 200,000

Monthly Pro Max Bundle

Upto PKR 200,000

Liyari Digital Offer

Upto PKR 200,000

Defense Digital Offer

Upto PKR 200,000

My3 Bundle

Upto PKR 200,000

Monthly Digital Max Bundle

Upto PKR 200,000

FAQ

Q. How is the premium charged?
A. Once you sign up for the bundle, your insurance premium is considered paid.
Q. What are the eligibility criteria to subscribe to these plans from Z-Insurance?
A. Subscriber must be:
  • Be a Zong customer
  • Have an activated bundle
  • Use the same mobile device against a SIM registered in his/her own name
Q. How can a claim be initiated?
A subscriber can initiate a claim with Z-Insurance by:
  • Calling Z-Insurance at [Z-INSURANCE CLAIMS NUMBER]
  • Emailing [Z-INSURANCE CLAIMS EMAIL]

The subscriber must submit the required documents, such as an FIR or Roznamcha, along with incident details.

Q. When will I receive a replacement phone?
A. A replacement phone will not be provided. Instead, wallet transfer as per the approved settlement amount will be issued.
Q. What if the cost of repairing the phone exceeds the insured amount?
A. Coverage is limited to the insured amount only. Any additional cost will be borne by the customer. Depreciation and Excess (10%) apply.
Q. Can I file a claim if I do not block my IMEI or if my mobile is not PTA-registered?
No. Only PTA-approved mobile phones are covered under this policy. In case of a claim, blocking of the phone's IMEI(s) is mandatory, and proof will be required at the time of claim submission.
Q. What is the estimated time for claim settlement?
A. Claims are generally settled within 72 hours after receipt of complete documentation.
Q. Can a customer enroll in multiple subscriptions?
A. No. A customer can enroll in only one subscription, which must be embedded with the bundle.
Q. What are the coverage limits?
A. 50% of the coverage is for Screen damage and 50% of the coverage is for Theft cases. Annual limit per MSISDN is PKR 400,000.
Q. What is the Waiting Period or No-Claim Period for mobile insurance?
A. There is no waiting period in cases of theft or screen damage.
Q. What are plan exclusions?
A. Plan exclusions refer to specific reasons or exceptional situations under which a claim becomes ineligible for coverage.

How to Subscribe

Call [Z-INSURANCE SUBSCRIBE NUMBER] to subscribe for the plan. For info you may visit [Z-INSURANCE WEBSITE URL]

Service provider

  • Zong (CM Pak) is the distribution partner and is only facilitating the offer.
  • [Z-INSURANCE FULL LEGAL / REGISTERED ENTITY NAME], a [SECP / REGULATORY LICENSE STATUS], is the service provider to the subscriber [Z-INSURANCE WEBSITE URL]
  • Digi Insurance Limited, is the insurance company underwriting this plan.

Terms & Conditions

  • All subscriptions are automatically renewed unless cancelled by the subscriber.
  • All subscriptions and any benefits payable under the products will be in Pakistani rupees.
  • By enrollment in products, subscribers authorize Zong (CM Pak) to share their details available to the parties providing these products.
  • The insurance benefit offered under the products will be governed by the terms and conditions contained in the group policy or policies issued by registered insurance companies in Pakistan. The insurance cover provided in these products are underwritten by Digi Insurance Limited, who will be responsible for payment of valid claims under the insurance policies.
  • [Z-INSURANCE FULL LEGAL / REGISTERED ENTITY NAME] who is also providing distribution and administrative services under this arrangement.
  • The subscription fee must be paid in advance for a subscriber to be eligible for the products.
  • The terms of the products including subscription fee can be amended or the products can be withdrawn by the supplier parties at any time and in such an event subscribers shall be informed through an SMS or any other manner as agreed between them.
  • SMS notifications for subscribed services and service renewal may be sent anytime during 24 hours.
  • Notice of claim under this policy must be given to Z-Insurance within fifteen days of the claim occurrence.
  • Standard exclusions are mentioned in the overview section of the respective products.
  • FIR is required for theft and burglary claims.
  • Coverage shall only apply to:
    1. The original device active at the time of subscription, or
    2. The most recently registered device on the MSISDN (subject to system validation).
  • The insured device shall be automatically bound to the Customer’s MSISDN at the time of bundle activation, based on device identification (IMEI).
  • Claims will be paid according to the market value of handset and parts i.e. screen panel.
  • The validity of insurance coverage is equal to the validity of the Bundle Offer.