This policy states that the company will pay the insured person or their beneficiary for incidents occurring during the
insurance period, subject to specified terms, conditions, and exceptions, excluding exclusions.

• Subscriptions renew automatically until canceled by the subscriber.
• Full subscription payment in the previous month is required for full coverage. Partial payments reduce benefits for the following month.
• Attempts to deduct the subscription amount will be made multiple times daily from the subscriber’s mobile balance.
• No cumulative deductions occur during periods of insufficient balance.
• All subscriptions and benefits are payable in Pakistani rupees.
• On-call consent constitutes a legally binding agreement to subscribe to the plan.
• Users agree to recurring charges deducted from their talk-time balance, auto-renewed until unsubscribed.
• By enrolling, subscribers authorize [Telco] to share their details with service providers under the plans.
• Plan benefits are governed by policies issued by Habib Insurance Limited. Claims are paid by the underwriter.
• Developed by Waada Digital Pvt Limited, providing distribution, technology, and administrative services.
• Subscription amount must be paid in advance for eligibility.
• Terms, including subscription amounts, may be amended or withdrawn by suppliers.
• Subscribers will be notified accordingly.
• Subscribed service notifications and renewals may be sent at any time within 24 hours.
• Claims must be reported to Waada or the underwriter within 30 days of occurrence.
• Waada reserves the right to terminate or cancel any subscription at its sole discretion, for any reason, at any time, with or without prior notice.