{ "status": "success", "reason": "ok", "connected_insurance": [ "ittinsurance" ], "country_codes": [ "schengen" ], "location": "schengen", "journey_start_date": "2025-12-16", "journey_end_date": "2026-12-16", "stay_duration_days": 365, "pax_type": "Family", "travelers": [ { "dob": "2007-12-05" } ], "category_items": [ { "code": "medical", "title": "Medical expenses", "desc": "Expenses for hospital stay and treatment, payment for medicines and basic fixation devices\nExpenses for outpatient visits\nExpenses for managing allergy flare-ups, except for sun allergies\nExpenses for treating the effects of bites from dogs, monkeys, and other animals\nExpenses for transportation to a hospital by an ambulance or taxi\nExpenses for evacuation to your permanent residence if surgery is required due to a sudden illness or injury\nRepatriation of Remains\n", "special_notes": "" }, { "code": "dental-care", "title": "Emergency dental care", "desc": "Coverage includes pain relief treatments for natural teeth in cases of damage or inflammation, including fillings\n", "special_notes": "" }, { "code": "return-children", "title": "Return of children to home country", "desc": "Expenses for return of children under 16 to the country (Region) of principal residence, if they are left unattended due to an accident or sudden disease of the Insured. Payment for a one-way economy-class trip for them and for one adult accompanying, if needed\n", "special_notes": "" }, { "code": "third-travel-cost", "title": "Third party travel cost", "desc": "Payment for a round air ticket of an economy class for a relative or close one to visit the patient and care for him\/her\n", "special_notes": "" }, { "code": "early-return", "title": "Early return", "desc": "Expenses for an air ticket to return from abroad in case of death or emergency hospitalization of a close relative, as well as in case of significant damage or destruction of property of the insured in the country (region) of principal residence\n", "special_notes": "" }, { "code": "flight-delay", "title": "Flight delay", "desc": "Refund in case of regular flight delays of more than 4 hours. Expenses are covered for food, drinks and hotel.\n", "special_notes": "" }, { "code": "legal-asssist", "title": "Legal assistance", "desc": "Expenses for the initial legal advice in case of prosecution in court as a result of unintentional infliction of damage to a third party, unintentional violation of regulations of the Country of Stay, or violation of the road traffic rules\nExpenses for making duplicates (or issuing new originals) of a lost passport, international passport or driver`s license to return home\nPayment for phone calls to the service center\n", "special_notes": "" }, { "code": "deductible", "title": "Deductible", "desc": "Deductible - the amount the insured pays out-of-pocket for each incident. For example, if the clinic bill is 500 USD, we eill pay 450 USD, and you will pay 50 USD\nDeductible can be removed (reduced to 0), but the policy cost will increase\nTerm based deductible: for the country where the insured person is located at the time of purchase, the policy will take effect on the 6th day\n", "special_notes": "" }, { "code": "personal-liability", "title": "Personal liability", "desc": "Coverage of damage to a third-party property or health of other people, except for the damage arising as a result of driving auto, moto, water, air transport. For example, it can be damage caused to a third party at a ski slope\n", "special_notes": "" }, { "code": "loss-damage-luggage", "title": "Loss or damage of luggage", "desc": "Disappearance, loss or damage of the luggage registered with the insured, during its transportation by the air company or other carrier\n", "special_notes": "" }, { "code": "active-leisure", "title": "Active leisure", "desc": "Water skiing, surfing, windsurfing, jet-skiing, rafting, yachting, kiting, recreational diving to the depth under 12 meters and accompanied by instructor, (competitive) fishing, hunting, alpine skiing, snowboarding, snowmobile rides, ice hockey games, mountain biking, trips on horseback\n", "special_notes": "" } ], "data": [ { "insurance_code": "COMFORTPLUS", "supplier_uid": "X1CE00017", "image": "https:\/\/cdn.innovategrid.com\/malikexpress\/test_files\/131764578798627532.png", "title": "COMFORT PLUS", "desc": "Emergency Medical Expenses in Hospital Abroad (Deductible $ 100 eel*) (Equivalent \/ More than Euro 40,000) (COVID COVER T&C AP 10,000 USD\r\nMedical Refferal Actual Expenses\r\nRepatriation of Mortal Remains Actual Expenses\r\nRepatriation in case of illness or accident Actual Expenses\r\nPersonal Accidental (Injury & Death) PTD*\r\nAccidental Death (During travel using recognized means of transport, plans, public buses,taxies,etc. Deductible $ 100 eel*) 5000", "tags": "", "location": "schengen", "connected_insurance": "2", "CoverageUpto": "365", "premium": 24000, "currency": "PKR", "amount": 24000, "sell": 24000, "pax_charges": [ { "pax_id": 1, "pax_type": "Family", "dob": "2007-12-05", "age": 18, "days_type": "Regular", "currency": "PKR", "base_fare": 24000, "tax": 0, "total": 24000, "partner": { "currency": "PKR", "base_fare": 24000, "tax": 0, "total": 24000 }, "price_hash": "eyJmbWciOnsiY3VycmVuY3kiOiJQS1IiLCJiYXNlX2ZhcmUiOjI0MDAwLCJ0YXgiOjAsInRvdGFsIjoyNDAwMH0sInN1cHBsaWVyIjp7ImN1cnJlbmN5IjoiUEtSIiwiYmFzZV9mYXJlIjoiMjQwMDAuMDAiLCJ0YXgiOjAsInRvdGFsIjoyNDAwMH19" } ], "items": [ { "title": "Medical Expenses & Hospitalization Abroad", "code": "medical-expenses-&-hospitalization-abroad", "coverage_currency": "USD", "coverage_amount": "50000", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Repatriation in case of illness or accident", "code": "repatriation-in-case-of-illness-or-accident", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "Repatriation of Mortal Remains", "code": "repatriation-of-mortal-remains", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Emergency Dental Care", "code": "emergency-dental-care", "coverage_currency": "USD", "coverage_amount": "600" }, { "title": "Deductible on Medical & Dental", "code": "deductible-on-medical-&-dental", "coverage_currency": "USD", "coverage_amount": "100" }, { "title": "Return of dependent childern", "code": "return-of-dependent-childern", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "Travel of one Immediate Family Member", "code": "travel-of-one-immediate-family-member", "coverage_currency": "USD", "coverage_amount": "IOO\/Day-Max 1000" }, { "title": "Relay of urgent Messages", "code": "relay-of-urgent-messages", "coverage_currency": "USD", "coverage_amount": "Unlimited" }, { "title": "Long Distance Medical Information Services", "code": "long-distance-medical-information-services", "coverage_currency": "USD", "coverage_amount": "Unlimited" }, { "title": "Medical Referral", "code": "medical-referral", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "24\/7 World Wide Assistance Services", "code": "24\/7-world-wide-assistance-services", "coverage_currency": "USD", "coverage_amount": "Included" }, { "title": "Loss of Passport (Excess $ 25 EEL* )", "code": "loss-of-passport-(excess-$-25-eel*-)", "coverage_currency": "USD", "coverage_amount": "300" }, { "title": "In-flight Loss of Checked in Baggage* *", "code": "in-flight-loss-of-checked-in-baggage*-*", "coverage_currency": "USD", "coverage_amount": "300" }, { "title": "Covid Cover T & C apply", "code": "covid-cover-t-&-c-apply", "coverage_currency": "USD", "coverage_amount": "US$ 2000", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Accidental Death (During travel using recongnized means of transport, planes, publice buses, taxies, etc. Deductible $ 100", "code": "accidental-death-(during-travel-using-recongnized-means-of-transport,-planes,-publice-buses,-taxies,-etc.-deductible-$-100", "coverage_currency": "USD", "coverage_amount": "15000", "addon_charge": { "currency": "", "amount": "0.00" } } ] }, { "insurance_code": "COMFORT", "supplier_uid": "X1CE00017", "image": "https:\/\/cdn.innovategrid.com\/malikexpress\/test_files\/131764578886617810.png", "title": "COMFORT", "desc": "Emergency Medical Expenses in Hospital Abroad (Deductible $ 100 eel*) (Equivalent \/ More than Euro 40,000) (COVID COVER T&C AP 10,000 USD\r\nMedical Refferal Actual Expenses\r\nRepatriation of Mortal Remains Actual Expenses\r\nRepatriation in case of illness or accident Actual Expenses\r\nPersonal Accidental (Injury & Death) PTD*\r\nAccidental Death (During travel using recognized means of transport, plans, public buses,taxies,etc. Deductible $ 100 eel*) 5000", "tags": "", "location": "schengen", "connected_insurance": "6", "CoverageUpto": "365", "premium": 18000, "currency": "PKR", "amount": 18000, "sell": 18000, "pax_charges": [ { "pax_id": 1, "pax_type": "Family", "dob": "2007-12-05", "age": 18, "days_type": "Regular", "currency": "PKR", "base_fare": 18000, "tax": 0, "total": 18000, "partner": { "currency": "PKR", "base_fare": 18000, "tax": 0, "total": 18000 }, "price_hash": "eyJmbWciOnsiY3VycmVuY3kiOiJQS1IiLCJiYXNlX2ZhcmUiOjE4MDAwLCJ0YXgiOjAsInRvdGFsIjoxODAwMH0sInN1cHBsaWVyIjp7ImN1cnJlbmN5IjoiUEtSIiwiYmFzZV9mYXJlIjoiMTgwMDAuMDAiLCJ0YXgiOjAsInRvdGFsIjoxODAwMH19" } ], "items": [ { "title": "Medical Expenses & Hospitalization Abroad", "code": "medical-expenses-&-hospitalization-abroad", "coverage_currency": "USD", "coverage_amount": "50,000", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Repatriation in case of illness or accident", "code": "repatriation-in-case-of-illness-or-accident", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "Repatriation of Mortal Remains", "code": "repatriation-of-mortal-remains", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "Emergency Dental Care", "code": "emergency-dental-care", "coverage_currency": "USD", "coverage_amount": "N\/A" }, { "title": "Deductible on Medical & Dental", "code": "deductible-on-medical-&-dental", "coverage_currency": "USD", "coverage_amount": "100" }, { "title": "Return of dependent childern", "code": "return-of-dependent-childern", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "Travel of one Immediate Family Member", "code": "travel-of-one-immediate-family-member", "coverage_currency": "USD", "coverage_amount": "IOO\/Day-Max 1000" }, { "title": "Relay of urgent Messages", "code": "relay-of-urgent-messages", "coverage_currency": "USD", "coverage_amount": "Unlimited" }, { "title": "Long Distance Medical Information Services", "code": "long-distance-medical-information-services", "coverage_currency": "USD", "coverage_amount": "Unlimited", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Medical Referral", "code": "medical-referral", "coverage_currency": "USD", "coverage_amount": "Actual Expenses" }, { "title": "24\/7 World Wide Assistance Services", "code": "24\/7-world-wide-assistance-services", "coverage_currency": "USD", "coverage_amount": "Included", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Loss of Passport (Excess $ 25 EEL* )", "code": "loss-of-passport-(excess-$-25-eel*-)", "coverage_currency": "USD", "coverage_amount": "N\/A" }, { "title": "In-flight Loss of Checked in Baggage* *", "code": "in-flight-loss-of-checked-in-baggage*-*", "coverage_currency": "USD", "coverage_amount": "N\/A" }, { "title": "Covid Cover T & C apply", "code": "covid-cover-t-&-c-apply", "coverage_currency": "USD", "coverage_amount": "US$ 2000", "addon_charge": { "currency": "", "amount": "0.00" } }, { "title": "Accidental Death (During travel using recongnized means of transport, planes, publice buses, taxies, etc. Deductible $ 100", "code": "accidental-death-(during-travel-using-recongnized-means-of-transport,-planes,-publice-buses,-taxies,-etc.-deductible-$-100", "coverage_currency": "USD", "coverage_amount": "10000", "addon_charge": { "currency": "", "amount": "0.00" } } ] }, { "insurance_code": "UIC", "supplier_uid": "X1CE00018", "image": "https:\/\/cdn.innovategrid.com\/malikexpress\/test_files\/131764578982728936.png", "title": "GOLD", "desc": "PARTICULAR CONDITIONS\r\nInsured Person Means: The person whose name is in the insurance policy issued within the validity period of travel.\r\nInsured Family Means: The policy holder, spouse and three children (aged 18 years or less) dependent and\r\npermanently residing with the Insured Person.\r\nImmediate Family Member shall Mean: The policyholder, spouse and children (aged 18 years or less) dependent and\r\npermanently residing with the Insured Person.\r\nPeriod of Cover: As per purchased insurance programme.\r\nUsual County Of Residence Means: The country where the Policy was issued by the company.\r\nUsual Place Of Residence Means: The home or residence of an Insured in the Usual Country of\r\nResidence\r\nSerious Illness: A change in health that requires admission to hospital and which, in the opinion of the Company's\r\nmedical team, which involves also risk of death.\r\nPermanent Disability: This shall be deemed to consist of the permanent anatomic loss or lack of functionality or limbs\r\nor organs as a result of an accident. The amount of the indemnity shall be determined by applying to the sum insured\r\nthe percentages as per scale of compensation.\r\nInjury: A medical problem caused by a sudden and severe external reason beyond the control of the Insured, within\r\nthis validity period of this policy\r\nSerious Injury: An injury, which is in the opinion of the Company's medical team, which also involves risk of death.\r\nCover: The Company will provide immediate material assistance as to the insured as per specified benefits the scope\r\nof this policy becomes void when the travel causing the acquisition of this Policy ends and\/or the Insured arrives at\r\nhis\/her usual country of residence, whichever takes place first.\r\nDeductible or Excess Means: The amount of expenses or the number of days which are not covered by the Insurer,\r\nand that are to be paid or supported by the Insured Person before the Policy benefits become payable.\r\nPremium Means: The price of the insurance that the Policyholder must pay to the Insurer in consideration for the\r\ncoverage of the risk provided for the Insured.\r\nAccident Means: The bodily injury suffered during the life of the contract, which derives from a violent, sudden,\r\nexternal cause and one that is not intended by the Insured.", "tags": "", "location": "schengen", "connected_insurance": "8", "CoverageUpto": "365", "premium": 20700, "currency": "PKR", "amount": 20700, "sell": 20700, "pax_charges": [ { "pax_id": 1, "pax_type": "Family", "dob": "2007-12-05", "age": 18, "days_type": "Regular", "currency": "PKR", "base_fare": 20700, "tax": 0, "total": 20700, "partner": { "currency": "PKR", "base_fare": 20700, "tax": 0, "total": 20700 }, "price_hash": "eyJmbWciOnsiY3VycmVuY3kiOiJQS1IiLCJiYXNlX2ZhcmUiOjIwNzAwLCJ0YXgiOjAsInRvdGFsIjoyMDcwMH0sInN1cHBsaWVyIjp7ImN1cnJlbmN5IjoiUEtSIiwiYmFzZV9mYXJlIjoiMjA3MDAuMDAiLCJ0YXgiOjAsInRvdGFsIjoyMDcwMH19" } ], "items": [ { "title": "Medical Expenses, Hospitalization Abroad & COVID-19", "code": "medical-expenses,-hospitalization-abroad-&-covid-19", "coverage_currency": "USD", "coverage_amount": "50000", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Transport or Repatriation in case of illness or Accident", "code": "transport-or-repatriation-in-case-of-illness-or-accident", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Repatriation of Mortal Remains", "code": "repatriation-of-mortal-remains", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Dental Care", "code": "dental-care", "coverage_currency": "USD", "coverage_amount": "600", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Relay of Urgent Messages", "code": "relay-of-urgent-messages", "coverage_currency": "USD", "coverage_amount": "Unlimited", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Long Distance Medical Information Service", "code": "long-distance-medical-information-service", "coverage_currency": "USD", "coverage_amount": "Unlimited", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Loss Of Credit Card", "code": "loss-of-credit-card", "coverage_currency": "USD", "coverage_amount": "300", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Delayed Departure", "code": "delayed-departure", "coverage_currency": "USD", "coverage_amount": "300", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Compression for In-Flight Loss of Checked in Baggage", "code": "compression-for-in-flight-loss-of-checked-in-baggage", "coverage_currency": "USD", "coverage_amount": "400", "addon_charge": { "currency": "USD", "amount": "-2.00" } }, { "title": "Accidental Death ( During Travel using recognize means of Transport, Planes Trains, Public Buses, Taxies etc", "code": "accidental-death-(-during-travel-using-recognize-means-of-transport,-planes-trains,-public-buses,-taxies-etc", "coverage_currency": "USD", "coverage_amount": "10000", "addon_charge": { "currency": "USD", "amount": "-4.00" } } ] }, { "insurance_code": "DIAMOND", "supplier_uid": "X1CE00018", "image": "https:\/\/cdn.innovategrid.com\/malikexpress\/test_files\/131764760748178391.png", "title": "DIAMOND", "desc": "PARTICULAR CONDITIONS Insured Person Means: The person whose name is in the insurance policy issued within the validity period of travel. Insured Family Means: The policy holder, spouse and three children (aged 18 years or less) dependent and permanently residing with the Insured Person. Immediate Family Member shall Mean: The policyholder, spouse and children (aged 18 years or less) dependent and permanently residing with the Insured Person. Period of Cover: As per purchased insurance programme. Usual County Of Residence Means: The country where the Policy was issued by the company. Usual Place Of Residence Means: The home or residence of an Insured in the Usual Country of Residence Serious Illness: A change in health that requires admission to hospital and which, in the opinion of the Company's medical team, which involves also risk of death. Permanent Disability: This shall be deemed to consist of the permanent anatomic loss or lack of functionality or limbs or organs as a result of an accident. The amount of the indemnity shall be determined by applying to the sum insured the percentages as per scale of compensation. Injury: A medical problem caused by a sudden and severe external reason beyond the control of the Insured, within this validity period of this policy Serious Injury: An injury, which is in the opinion of the Company's medical team, which also involves risk of death. Cover: The Company will provide immediate material assistance as to the insured as per specified benefits the scope of this policy becomes void when the travel causing the acquisition of this Policy ends and\/or the Insured arrives at his\/her usual country of residence, whichever takes place first. Deductible or Excess Means: The amount of expenses or the number of days which are not covered by the Insurer, and that are to be paid or supported by the Insured Person before the Policy benefits become payable. Premium Means: The price of the insurance that the Policyholder must pay to the Insurer in consideration for the coverage of the risk provided for the Insured. Accident Means: The bodily injury suffered during the life of the contract, which derives from a violent, sudden, external cause and one that is not intended by the Insured.", "tags": "", "location": "schengen", "connected_insurance": "20", "CoverageUpto": "365", "premium": 130930, "currency": "PKR", "amount": 130930, "sell": 130930, "pax_charges": [ { "pax_id": 1, "pax_type": "Family", "dob": "2007-12-05", "age": 18, "days_type": "Regular", "currency": "PKR", "base_fare": 130930, "tax": 0, "total": 130930, "partner": { "currency": "PKR", "base_fare": 130930, "tax": 0, "total": 130930 }, "price_hash": "eyJmbWciOnsiY3VycmVuY3kiOiJQS1IiLCJiYXNlX2ZhcmUiOjEzMDkzMCwidGF4IjowLCJ0b3RhbCI6MTMwOTMwfSwic3VwcGxpZXIiOnsiY3VycmVuY3kiOiJQS1IiLCJiYXNlX2ZhcmUiOiIxMzA5MzAuMDAiLCJ0YXgiOjAsInRvdGFsIjoxMzA5MzB9fQ==" } ], "items": [ { "title": "Medical Expenses, Hospitalization Abroad & COVID-19", "code": "medical-expenses,-hospitalization-abroad-&-covid-19", "coverage_currency": "USD", "coverage_amount": "50,000", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Transport or Repatriation in case of illness or Accident", "code": "transport-or-repatriation-in-case-of-illness-or-accident", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Repatriation of Mortal Remains", "code": "repatriation-of-mortal-remains", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Dental Care", "code": "dental-care", "coverage_currency": "USD", "coverage_amount": "600", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Travel of One Immediate Family Member", "code": "travel-of-one-immediate-family-member", "coverage_currency": "USD", "coverage_amount": "100\/Day-Max 1,000", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Delivery of Medicines", "code": "delivery-of-medicines", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Relay of Urgent Messages", "code": "relay-of-urgent-messages", "coverage_currency": "USD", "coverage_amount": "Unlimited", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Medical Referral \/ Appointment of Local Medical Specialist", "code": "medical-referral-\/-appointment-of-local-medical-specialist", "coverage_currency": "USD", "coverage_amount": "Actual Expenses", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Loss Of Credit Card", "code": "loss-of-credit-card", "coverage_currency": "USD", "coverage_amount": "500", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Delayed Departure", "code": "delayed-departure", "coverage_currency": "USD", "coverage_amount": "500", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Compression for In-Flight Loss of Checked in Baggage", "code": "compression-for-in-flight-loss-of-checked-in-baggage", "coverage_currency": "USD", "coverage_amount": "500", "addon_charge": { "currency": "USD", "amount": "0.00" } }, { "title": "Accidental Death ( During Travel using recognize means of Transport, Planes Trains, Public Buses, Taxies etc.", "code": "accidental-death-(-during-travel-using-recognize-means-of-transport,-planes-trains,-public-buses,-taxies-etc.", "coverage_currency": "USD", "coverage_amount": "15000", "addon_charge": { "currency": "USD", "amount": "0.00" } } ] } ] }