salaam takaful travel insurance

Condolences message: It is with great sadness and deep sorrow that our Company announces the passing away of Mr. Gudissa Legesse, CEO of Awash Insurance S.C. on February 26,2024 after a medical treatment abroad and here locally. For more info, click here

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Life and health insurance, salaam takaful, travel insurance.

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Our story begins and ends with you. As a river gives life and nourishes an entire valley, Awash Insurance remains with you, grows with you, and flows with you.

Shari’ah Compliant insurance, Salaam Takaful Products, are on Sale.

Profitable throughout its 28 years of service with a track of remarkable investment return.

Awash Insurance successfully completed the FY 2021/22 in Underwriting over Birr 1.28 billion in GWP. Life business Underwriting on the other hand was more than Birr 332.6 million.

Founded in 1994, Awash Insurance was launched following the liberalization of the financial sector in Ethiopia, making it one of the pioneer insurance companies in the country. Awash Insurance stands on a solid foundation with its richly unique and diverse composition, which speaks to our ability to understand customer needs. We continuously renew our commitment to perfecting our service towards excellence by ensuring the seamless delivery of digitally astute solutions with a human touch.

To be the leading and most dependable insurer of choice.

Our Mission

Awash Insurance exists as a trusted insurance partner for all stakeholders, by delivering value and financial security through innovative, customer-centric solutions and excellent customer service.

Core Values

Our five core values are encapsulated in our: A gility, W inning Spirit, A daptability, S ocial Responsiveness, H armony.

The largest private insurer bringing brand equity and stability in customer eyes.

Tailored service that provide holistic cover for general, long-term and travel insurance as well as Salaam Takaful products.

We are where you need us. Awash Insurance continues to be fully accessible to you, your markets and your networks via ranges of channels.

More than 28 years of experience ensures we understand your unique needs to provide a deeper, impactful experience to all our customers.

Awash Insurance has built a robust, well trained and experienced workforce with the customer at the centre of it all. We are available to curate and assist with each portfolio’s unique requirements at all times. We are here to flow with you.

we provide a wide portfolio of products in our business lines.

The age of digital convergence dictates that our product and service offering needs to be accessible, efficient and real-time. Awash Insurance has invested in cutting-edge systems and communications technology that saves your time and money.

About Awash Insurance

Founded in 1994, Awash Insurance was launched following the liberalization of the financial sector in Ethiopia making it one of the pioneer insurance companies in the country. Awash Insurance stands on a solid foundation with its richly unique and diverse composition which speaks to our ability to understand customer needs. We continuously renew our commitment to perfecting our service towards excellence by ensuring the seamless delivery of digitally astute solutions with a human touch.

Deeper Experience

More than 28 years of experience ensures we understand your unique needs to provide a deeper, impactful experience to all our clients.

Engaged Workforce

Awash Insurance has built a robust, well trained and experienced workforce with the customer at the centre of it all. We are available to curate and assist with each portfolio’s unique requirements at all times. We are here to flow with you.

Diverse Insurance Products

Awash Insurance continues to perfect and customise their product offering to suit all our client needs. We provide: General Insurance, Long-term Insurance, Life and Health Insurance, Travel Insurance, Salaam Takaful products and services.

Digitisation and Automation

The age of digital convergence dictates that our product and service offering needs to be accessible, efficient and real-time. Awash Insurance has invested in cutting-edge systems and communications technology that saves you time and money.

Our Products

Here to support your everyday flow of business towards profitability, wellness and a comfortable flow of your life.

Awash Insurance guarantees your wellbeing and flows with you towards a future that is peaceful and full of life.

Wherever your journey takes you, Awash Insurance is there to secure you every step of the way.

The Takaful insurance concept is based on mutual co-operation and solidarity between the policy holders in order to protect each other against any unexpected risk or misfortune in the future. This concept is considered an extremely good example of co-operation for the right reasons which Allah has encouraged the Muslims to practice.

Valued Customers

Opened Locations

Client Satisfaction

Our Branches

Access to our clients is important to us. This is why Awash insurance has 60+ opened location across the country. We are committed to serving you better.

We offer many more policies, over and above those listed within. We welcome you to contact us with your specific needs/requirements or concern areas, and together, we will explore and help you pick the most suitable policy to cater for your needs and budget.

+92-21-111-875-111

Phone Number

[email protected]

Email Address

BUSINESS CENTER, 6TH FLOOR,

Shahrah-e-Faisal, Karachi.

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Salaam Health Takaful

Cfa-family (with maternity).

Salaam Madadgar

Salaam Sehat Plus

Salaam Sehat Regular

Tcs financial services, description.

• Things to Note
• Value Additions
• Hospitalization or in-patient treatment (list of covered expenses given in the Policy Document)
• Accidental emergency treatment
• Day care procedures (e.g. Endoscopy, Dialysis, etc.). Complete list of procedures covered is provided with the Policy Document
• Specialized investigative procedures (e.g. Angiography, MRI, CT Scan, etc.). Complete list of procedures covered is provided with the Policy Document
• Shariah compliant healthcare solutions that are affordable and flexible.
• Flexible individual coverage limits ranging from as low as Rs. 50,000 per annum and as high as Rs. 1,000,000 per annum
• As a Salaam Takaful Limited card holder, you can have access 365 days a year round the clock to a hotline number (0302-8228212) to a team of medical doctors who are ever ready to provide you with the requisite guidance and assistance
• Initial waiting period of 15 days shall be applicable on claims arising out of illness/sickness/disease.
• Non-emergency/planned treatment in a non-PPN Hospital will be subject to a deduction of 30% as mentioned in the PMD
• Age limit up to 18 years to 60 years. Policy can be renewed till the age of 65 years.
• Dependents under 18 years are covered if principal and spouse are covered. In case of single parent, the principal can obtain the cover
• Free 24/7 Claims Hotline: (+92) 303-8228466
• Quick and hassle-free Claim Processing
• Medical Consultation over the Phone or via the Salaam App
• 450+ Hospitals Nationwide
• Worldwide Coverage of accidental and non-accidental emergencies
• Customized and Flexible Solutions
• 30+ Nationwide Discount Centers

• +234 806 565 7291
• [email protected]

SALAM TAKAFUL DOCUMENT DOWNLOADS

• KYC FORM (Corporate)
• KYC FORM (Individuals)

RETAIL PRODUCT FORMS

• PROPOSAL FORM
• MATURITY CLAIM FORM
• DEATH CLAIM FORM

AGRICULTURAL TAKAFUL PROPOSAL FORMS

• COMBINED(AGRICULTURAL) PRODUCE
• DOMESTIC ANIMALS

GENERAL TAKAFUL PROPOSAL FORMS

• MOTOR VEHICLE
• MOTORCYCLE / TRICYCLE
• PUBLIC LIABILITY
• PROFESSIONAL INDEMNITY
• PLANT ALL RISK
• MONEY IN TRANSIT
• MARINE CARGO
• MACHINERY BREAKDOWN
• HOUSEHOLDER
• CONTRACTOR'S ALL RISK
• CONSEQUENTIAL LOSS
• GROUP PERSONAL ACCIDENTS
• GOODS IN TRANSIT
• FIRE & SPECIAL PERILS
• FIDELITY GUARANTEE
• ERECTION ALL RISK
• EMPLOYER'S LIABILITY
• ELECTRONIC EQUIPMENT
• BURGLARY & HOUSEBREAKING
• WORLD TRAVELLER
• MARINE HULL

GENERAL TAKAFUL CLAIM FORMS

• CONTRACTORS ALL RISK
• MOTOR ACCIDENT
• MOTOR THEFT
• HOUSEHOLDERS
• GROUP PERSONAL ACCIDENT

2024  © All rights reserved by SalamTakaful Insurance Company Limited

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Salaam Sehat Takaful

Worried about contracting unusual virus & ever-increasing cost of healthcare facility.

Salaam Takaful Limited is here to relieve your burden away With Salaam Sehat Takaful.

Salaam Sehat Takaful provides coverage for the following

SALAAM MADADGAR

SALAAM SEHAT PLUS

SALAAM SEHAT REGULAR

Our domestic helpers take care of all our needs, and through their tireless efforts become a part of our family. Therefore, their well-being becomes a cause of concern for us as it doesn’t just affect them and their families but ours as well.

• Hospitalization or In-patient Treatment (list of covered expenses given in the Policy Document)
• Accidental Emergency Treatment
• Day Care Procedures (e.g. Endoscopy, Dialysis, etc.).
• Pre-Hospitalization (Diagnosis, Consultation, Medicine) up to 30 days
• Post-Hospitalization (Diagnosis, Consultation, Medicine) up to 30 days
• Specialized Investigative Procedures (e.g. Angiography, MRI, CT Scan, etc.).
• Personal Accident Benefits is provided in case of death due to an accident (up to 60 years of age)
• Complete list of procedures covered is provided with the Policy Document.
• Ambulance Cover
• Accidental Death Benefit

Comprehensive product with liberal limits to fulfill the need of a fast paced life

• Hospitalization or in-patient treatment (list of covered expenses given in the Policy Document)
• Accidental emergency treatment
• Day care procedures (e.g. Endoscopy, Dialysis, etc.). Complete list of procedures covered is provided with the Policy Document
• Specialized investigative procedures (e.g. Angiography, MRI, CT Scan, etc.). Complete list of procedures covered is provided with the Policy Document
• Optional Maternity Coverage available
• Optional Critical Illnesses Coverage available
• 25% Pre-Existing Conditions Coverage as soon as the policy starts
• OPD Coverages
• Additional Death Benefit

Affordable takaful solution for individuals and their families (spouses and children) health.

Why Choose Us?

Salaam application, free online opd consultation via app, discount centers, 400+ panel hospital pan pakistan, accessible at non-panel hospitals, fastest claim settlement process, shariah based solution, 24/7 dedicated medical hotline numbers, how to make a claim , for planned admissions, to lodge a claim, copy of necessary documents to be attached with the form, acceptance of claim, emergency admissions, claim procedure, claim team hotlines numbers, 021-111-875-111.

• 6th floor, Business Centre,Plot No 19-1-A, Block -6. P.E.C.H.S., Shahrah-e-Faisal, Karachi Pakistan
• UAN: 021-111-875-111

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Salaam Takaful

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Al Salam Bank Launches New Digital Campaign for Al Salam Takaful

M anama, Bahrain – 21 May 2024: Al Salam Bank has announced the launch of its new digital campaign for the Al Salam Takaful product in collaboration with Solidarity Bahrain. The initiative enables clients to leverage dedicated digital Takaful services through the Bank’s mobile application, promoting the adoption of its convenient digital banking solutions.

The campaign is scheduled to commence on 21 May 2024 and will incentivize the first 700 clients who obtain either home Takaful insurance through the Bank’s mobile application with 300 bonus loyalty points, while clients who issue motor Takaful insurance will receive 1,000 bonus loyalty points. An exclusive BD 10 discount on motor Takaful insurance will also be offered to clients who complete an exclusive Takaful products survey on the mobile application.

This new digital campaign builds upon last year’s successful collaboration between Al Salam Bank and Solidarity Bahrain which enabled clients to obtain their desired Takaful insurance policy through the Bank’s branches or self-service platforms. The current campaign extends these products to all clients who use the Al Salam Bank mobile application to apply for its comprehensive range of Takaful insurance services including Home Takaful Insurance, Motor Takaful Insurance, Travel Takaful Insurance, Domestic Helper Takaful Insurance, and Personal Accident Takaful Insurance.

Commenting on the occasion, Mr. Mohammed Buhijji, Head of Retail Banking at Al Salam Bank, said, “We continuously strive to fulfill the diverse needs of our valued clients. This commitment fuels our pursuit of partnerships that support this objective. We are delighted to collaborate with Solidarity Bahrain, a leader in the region’s insurance sector. Through this campaign, we aim to incentivize clients with exclusive discounts and reward points for embracing digital Takaful services through our mobile application. This initiative also aligns with our sustainability goals as it encourages the adoption of digital banking services and minimizes paper transactions.”

The campaign underscores Al Salam Bank’s commitment to empowering clients with the flexibility and convenience of its mobile application’s cutting-edge functionalities. Clients can seamlessly address their Takaful insurance needs anytime, anywhere, with immediate and hassle-free processing available around the clock, seven days a week.

Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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