Transport Division

Secure Passenger Scheme

1. About Scheme.
2. Coverage Detail.
3. How we will do this?
4. Beneficiaries.
5. Procedure of Claim.

1. About Scheme
Traveling is one of the basic needs of today’s life both for social as well as commercial reasons.

In Pakistan, travel by public road transport has become the most used mean of travel especially due to decreasing reliability of the Pakistan railways services in the country. Besides being means of livelihood for millions of people it provides an essential service to many million passengers every month.  

Unfortunately this very important sector is the most unorganized and neglected area in terms of provision of protection to the lives and properties of the people providing the passenger road transport services as well as the passengers using the public transport. This leaves millions of people associated with this important sector as protection less against various calamities that may be fall on them due to their increased vulnerability that is associated with the travel.

In addition to governmental authorities’ general apathy towards services to the masses certain compounding factor leading to poor organization of the sector include: 

1. Most of the people related to this sector are not amply educated
2. No proper record of employees are maintained
3. There is no proper allied facilities to these employees
4. Most of passengers who travel through public transport are usually not aware about their rights and how to ensure their provision
5. There is no proper ticketing/ booking system
6. There is no proper security system adopted by transporters
7. The vehicles are mostly not kept road-worthy according to required standards.
8. The vehicles are mostly not insured.
9. As a whole this is totally an unorganized sector

Due to very scattered nature of the assets and persons related to the sector banks, Insurance and Takaful companies do not feel ample attraction to provide financing and insurance cover.

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2. Coverage Detail

Passengers 
The passengers of the members of scheme shall be provided the following death and disability compensation

• Accidental Death                                 
• Accidental Total Disability                    
• Accidental Partial Disability                              

Transporter’s Staff (Driver & Conductors)

• Death (due to any cause)                      
• Accidental Total Disability                    
• Accidental Partial Disability                 
• Hospitalization                                        

Transporter’s Owners

• Death (due to any cause)                      
• Accidental Total Disability                    
• Accidental Partial Disability                 
• Hospitalization                                        

Transporter’s Vehicle

• Damages to own vehicle comprehensive cover equal to vehicle price (declared market value)
• Replacement of Parts:   as per depreciation rules following shall be borne by the vehicle owner. The rest shall be borne by the insurers as arranged by Secure Innovation (Pvt.) Limited.

* One year old                     10%                *Two years old                             20%
*Three years old                   30%                *Four years old                            40%
*Five years old                     50%                *Six years old and above              60%

Third Party Damages

• Damages
• Bodily Damages or Death

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3. How we will do this?

Secure Innovation has already started collecting and automating data on the public passenger transport sector and based on that information it will invite transporters and adda owners to become members of the protection scheme and let Secure Innovation use its professional expertise to do the following for them:

• Arranging the Insurance/ Takaful coverage from reliable Insurance/Takaful companies at affordable rates.
• Recording and managing data of the employees, vehicle and passengers of the members
• Filing and settling claims in shortest period with the Insurance/Takaful companies as and when the arise
• Providing ambulance services and first aid medical treatment in the event of an accident
• Facilitating the transport and adda owners in automating their information management  
• Facilitating the transporters and governmental authorities in installing security enhancing equipment such as scanners, and CCTV cameras.

4. Beneficiaries

Transporters & their Staff (Driver & Cleaner)

• Shift all their accident related liabilities for an affordable fee
• Life coverage (Driver & Cleaners)
• Accidental disability coverage (Driver & Cleaners)
• Hospitalization Coverage (Driver & Cleaners)

Passengers

• Get the Takaful/Insurance coverage at the cheapest rate and by easiest way
• Accidental death and Disability Coverage
• Ambulance access and quick first aid facility

Transporter’s Vehicle

• Own damage
• Third Party coverage

Insurance/Takaful Companies

• Get more revenue from an un-tapped sector of the market
• Based on  “Law of large Numbers”, companies will get profitable business

Government

• Increase the penetration ratio of Insurance/Takaful in Pakistan.
• Generate further revenues in form of increase in insurance levy and taxes.
• Compensation in case of accidents would be borne by the insurance companies not the government.
• Better economic planning of the sector through efficient data management.

Society

• Creating employment opportunities to educated youth.
• Better social protection to number of vulnerable workers.

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5. Procedure of Claim

• Written notice of any Injury or Death must be given to Secure Innovation by Transporter.
• Proof of loss upon the prescribed from which are obtainable from Secure Innovation.
• Claims shall be payable by Service Provider to Secure Innovation for disbursement to the beneficiary in respect.

Payment Of Claims

Requirement Of Claims

The following certificates shall be required in respect of every claim from Company.

• Claim forms issued by Company
• Copy of the passenger Certificate bearing of valid Certificate number of Secure Innovation issued to the passenger along with ticket or a certificate from the Secure Innovation in case of loss of Certificate.
• A report of the physician, who last attended the passenger, certifying the nature of disability as the case may be.
• An attested copy of FIR / police report issued regarding the time, place and circumstances of accident.
• Photographs of the accident / newspaper cutting (if available)
• An attested copy of the registration book of the vehicle as proof that the vehicle belonged to the specified transporter. (Optional)
• In case of death claim, a copy of the death certificate issued by any local body.
• The claim will be settled within 30 days after receipt of the above stated document from the Secure Innovation.
• Any other document in support of accident and accidental death, which authenticate the claim.

Termination Of Cover

• When the covered person leaves vehicle at his/her destination or any place during the journey.
• If agreement between Secure Innovation and specified transporter ends.