Saffron FAQs

FAQs – General

Are there any charges applicable on Saffron membership?

There are no charges applicable on Saffron membership.

Do I need to renew my Saffron membership every year?

No. Saffron membership is renewed automatically, with the renewal of your life insurance policy.

How will I avail Saffron privileges offered via my Saffron membership?

As a Saffron member you are entitled to all the attractive discount offers mentioned in our catalogue. Simply start using your Saffron card enclosed in the Saffron welcome kit and enjoy.

Do I need to get my Saffron Card activated?

No, your Saffron card is already activated and ready to use.

Where do I report my loss of card?

You can call our customer services at (021) 111 111 554 or Email at

FAQs – CIP Lounge

How can I avail services at CIP Lounge?

While travelling internationally, you can complimentarily access CIP Lounge simply presenting your Saffron Card at CIP desk for card verification.

Where are CIP Lounges located?

CIP Lounges are located in International Departure Corridor at:

  • Jinnah International Airport, Karachi
  • Allama Iqbal International Airport, Lahore
  • Benazir Bhutto International Airport, Islamabad

Can I access CIP lounge even if I forget to carry my ‘Saffron Card’?

No, CIP Lounge can be accessed only by presenting a valid “Saffron Card”, otherwise the entry to the lounges would not be permitted.

Does CIP lounge announce the departures of the flights?

Yes, there is a proper facility for flight announcement. Further, there is a Guidance & Information desk providing flight information and other details.

What if I am travelling with my Family / Relative / Business Acquaintances? Will they be allowed to access CIP Lounge along with me on the same card?

Yes, but only ONE Guest may be allowed to access CIP lounges with you on Saffron Card. In case of more than one companion, you will have to pay charges at CIP counter for the others.

FAQs – Medical Benefits

How can I avail Medical Benefits on my Saffron Cards?

You can avail discounts on medical services and examination simply by presenting your Saffron Cards at Jubilee Life’s designated Hospitals and Labs.

Can I avail discounts on medical services and labs if I forget to carry my ‘Saffron Card’?

No, you must present your Saffron Card at Jubilee Life’s designated Hospitals and Labs to avail discounts.

Is credit facility available on this card?

No, this card does not allow any kind of credit facility; it is just a loyalty card that offers discounts on medical services and examinations.

FAQs – Car Insurance

Which benefits are provided under my Car Insurance Plan?

Jubilee Life has signed up an exclusive deal with Jubilee General under which all Jubilee Life’s Saffron customers are entitled to avail an attractive discount of 10% on comprehensive coverage.

How can I get my Car Insurance Plan?

To avail your Car Insurance Plan, please follow the procedure below:

Step 1: Call (021) 111 111 554 to inform your Jubilee Life representative regarding your Car insurance requirement. You will have to provide the specifications of your car and other necessary details. Jubilee Life representative will advise you the discounted premium amount.

Step 2: You will have to submit your premium cheque in favor of Jubilee General to Jubilee Life. You will receive the policy document from Jubilee General on your postal address already registered with Jubilee Life.

What are my eligibility criteria for availing Car Insurance Plan?

You must be a Jubilee Life Saffron Customer and the vehicle that you want to be insured should not be older than 7 years.

Which General Risks are covered under my Car Insurance Plan?

Risks covered under Car insurance include:

  1. Accidental damage by external means
  2. Fire, external explosion, self-ignition, lightning or frost
  3. Burglary, house-breaking or theft
  4. Damage caused by malicious persons
  5. Riot, strike, civil commotion and terrorism
  6. Flood, hail, wind, hurricane, cyclone, tornado or typhoon
  7. Earthquake, volcanic eruption, or other convulsions of nature
  8. Damage caused during transit by air, road, rail, inland waterway, lift or elevator

Are there any specific car models covered under my Car Insurance Plan?

All car models are included.

I already have car insurance through Jubilee General. Can I avail this deal on my already existing car insurance plan?

You can avail this facility upon renewal of your current policy.

I have more than one car; does this deal apply on all my cars?


Is tracker installation part of my car insurance plan?

No. having said that, if your vehicle is a variant of Toyota, Mehran, Cuore or a high value vehicle, installation of Tracker is mandatory to avail our Car insurance cover.

I already have a tracker installed, can I avail this facility on my car policy?

If your tracker is from our approved panel of tracking companies, than you may avail this facility

Who are the approved Tracking companies?

Following are the approved panel of Tracking Companies:

  1. TPL Trakker Ltd. (C-track)
  2. Star Technologies
  3. Trafco Trackings
  4. Sky Track (4B Solutions Pvt Ltd)
  5. Megatech Trackers Pvt Ltd

In case of an accident, how do I lodge my claim?

You can lodge your claims through the claim portal on or call 021-111-654-111

Will there be any deduction applicable on my claim by insurance company?

On high value imported vehicles, 1% excess is applicable. This means, that if the vehicle is worth Rs.5,000,000/-, any claim upto the value of Rs. 50,000/- will not be payable. If the claim is for suppose Rs.56,000/-, Rs.50,000/- will be deducted and the remaining will be payable. Standard depreciation is also applicable on parts and shall be deducted accordingly.

FAQs – Travel Insurance

Which benefits are provided under my Travel Insurance Plan- via Care?

Jubilee Life has signed up an exclusive deal with Jubilee General under which all Jubilee Life’s Saffron customers are entitled to avail free Travel coverage (based on countries covered) for individual for a week.

Via Care – a comprehensive Travel Insurance Plan offers:

  • Medical & Hospitalization cover of USD 50,000/-
  • 24hrs Medical Assistance and direct claim settlement with hospitals abroad
  • Accidental Death & Permanent Disability cover
  • Travel inconvenience cover & many more!

How can I get my Travel Insurance Plan?

To avail your Travel Insurance Plan please follow the procedure below:

Step 1: Call (021) 111 111 554 to inform your Jubilee Life representative regarding your travel insurance requirement. You will have to provide the specifications of your travel such as destinations, period, dates of travel

Step 2: Your request will be processed and our representative will provide you your policy through email immediately or in hard copy within 2-3 working days.

Is Travel Insurance available for both national and international traveling?

No, Travel Insurance is available for international traveling only, regardless of your mode of travel.

How many hours before traveling, should I apply for travel insurance coverage?

It generally takes approx. 24 hours to complete policy issuance procedure. Keeping this in mind, you should apply atleast 72 hours prior traveling, along with complete set of documents.

Which countries are covered under my Travel Insurance Plan?

Travel Insurance provides you coverage for traveling to any country of the world except:

  • Areas declared a war zone by the United Nations or dangerous areas suffering from civil commotion, riots or unrest will not be covered by Via Care e.g. Afghanistan, Nigeria, Kenya, North Korea, Iraq, Syria, Lebanon, East Timor, Sierra Leon etc.

What are my eligibility criteria for availing Travel Insurance Plan?

  • You must be a Jubilee Life Saffron Customer
  • You must be a Citizen of Pakistan or have Resident Status in Pakistan only
  • Age should be 65 years or below

What if I need to extend my Travel Insurance coverage period?

As Jubilee Life’s Saffron customer, you are provided free travel insurance coverage for yourself for 7 days only. If you wish to extend your coverage for more than 7 days, please call Jubilee General at 111-654-111 during Mon – Fri, 9.00 AM – 5.30 PM) and avail trip extension packages exclusively for Saffron customers at a discounted rate of 10% . To avail extended policies, you are required to contact Jubilee General before you travel (no extension is granted if you have already traveled) and pay premium directly.

Period of Insurance

Coverage initiates from the moment you leave your home, in respect of your travel trip in your residence country and shall remain in force during your entire travel period and shall end upon your return to your home country.

How will I use my Travel Insurance?

Jubilee General has collaborated with International Assistance Company- Specialty Assistance, in order to facilitate our customers abroad. Specialty Assistance must be contacted immediately, in the event of an Insured dying, incurring medical expenses in excess of $500, being involved in an accident, or being admitted to hospital. We will not be liable for any costs without the express prior approval of Specialty Assistance.

If you are in need of assistance for any of the following scenarios you should contact Specialty Assistance immediately:

  • Emergency Medical Treatment
  • Emergency Dental Care
  • Medical Transportation
  • Repatriation of other Insured Persons
  • Repatriation of mortal remains
  • Premature return due to death of Close Relative
  • Visit of a Close Relative

For assistance World-wide, contact Specialty Assistance at:

Specialty Assistance Tel: (24 HR) +44 (0)20 7902 7405

London, UK Fax: (24 HR) +44 (0)20 7928 4748

Email: (24 HR)


Specialty Assistance Tel: +1 215 489 3785

Philadelphia, USA Fax: +1 215 489 8525


Specialty Assistance Tel: +27 10 209 8300

Johannesburg, South Africa Fax: +27 10 209 8405

Asia Pacific:

Specialty Assistance Tel: +662 645 3932

Bangkok, Thailand Fax: +662 645 3732

When contacting Specialty Assistance you should state:

  • Your family name and first name;
  • The name of your insurer as Jubilee General Insurance Company Limited and provide the insurance Policy Number and Period of Insurance;
  • The date of entry in the visited country;
  • The name, address and telephone number of the Medical Centre to which the Insured Person has been admitted;
  • The name and address of the Medical Practitioner in charge of the Insured Person
  • A brief description of the problems encountered.

How does Specialty Assistance operate?

Specialty Assistance will appoint a medical expert in case of a medical emergency. This expert will have complete and free access to your insurance details as well as your medical file to assess the validity of your claim. A valid claim will be completely managed by this expert, which would include provision of suitable means of transport in consultation with the treating physician as well. Please note that Air ambulance transportation is limited to intra continental transportations and to critical cases which cannot be accommodated by any other transportation means. For further details please refer to the Via Care Policy document

What if I am unable to contact Specialty Assistance at time of medical emergency?

If during an emergency, or due to any valid reason, Assistance Company nominated by us cannot be contacted for prior approval, the claim may still be considered subject otherwise to the policy terms and conditions. In all such cases, the expenses must be reasonable and customary and all documents (medical report, bills, etc) must be forwarded to our appointed Assistance Company for their approval and acceptance. No claim will be considered if our appointed assistance company has not been contacted within 30 days of the accident or illness.

For all non-emergency medical and all other claims please refer to the “MAKING A CLAIM” section of the Jubilee General website

Non- Emergency Cases

Travel inconvenience that does not require immediate assistance

  • Cancellation or Curtailment of your Trip
  • Personal Accident
  • Delayed Departure
  • Delayed Baggage
  • Personal Baggage and Personal Money
  • Loss of Passport

For non-emergency medical and all other claims you will need to complete a claim form as soon as possible after the incident has occurred or within 21 days of your return to your Home Country.

The completed claim form, together with invoices, proof of ownership, travel documents and any other relevant details must be sent to:

Claims Department


Jubilee General Insurance Co Ltd.

2nd Floor, Jubilee Insurance House

I.I. Chundrigar Road

PO Box 4759, Karachi 74000

Please note that if medical treatment has been received, medical certificates showing the nature of the injury or illness together with all bills, and receipts if already paid, should also be attached and returned to above referred address

You can request a claim form by writing to, or by telephoning or visiting the website of:

Jubilee General Insurance Co. Ltd.

Tel: +92 111 654 111


What Should I do if I need to get my Travel policy cancelled?

All cancellations are subject to the condition that you notify us 24 hours prior to the departure date mentioned on the policy. Any cancellation requested post departure will not be accepted unless a copy of appropriate Visa Refusal Letter is provided.

A written request must be sent from the name insured (on the travel policy) to Jubilee General* along with copies of following documents:
a) Original travel policy
b) Letter of cancellation of the client (original)
c) Copy of CNIC
d) Original refusal letter by the related Embassy (in case of cancellation is due to Visa refusal).
e) For cancellation of policy in all other cases client will be required to show the original passport personally to the designated branch of Jubilee General.
f) Any other relevant document required by Jubilee General depending upon reason of cancellation of policy.

Jubilee General Insurance Co. Limited.
Operations & Alternate Distribution Department
2nd Floor, Jubilee Insurance House
I.I Chundrigar Road, Karachi 74000, Pakistan.
Tel: 111-654-111
Tel: 92-21 3241 6022-26

Once your policy is cancelled, refund will be made by Jubilee General by crossed cheque in the name of the insured and sent by courier directly to the insured after verification from the relevant consulate or embassy in case of Visa Refusal after deduction of standard levies and stamp duty.