# Frequently Asked Questions (FAQs) If your question is not answered here, please [get in touch](https://smartchoice.pk/contact) with our expert. - General - Car Insurance - Health Insurance - Travel Insurance ### What is smartchoice? We are a comparison website that provides free, unbiased comparison of financial products offered by banks, insurance and telecom operators. Making it easier and simpler for you to better understand financial products that you plan to buy. ### Why us? Financial decisions are not only important but any uninformed decision can cause serious frustration. Hence through us, you can compare multiple products and do "apple to apple" comparison before you decide. ### Are the prices on your website inclusive of tax or exclusive? Federal and provincial tax varies from product to product. Following is the case product wise: - **Insurance:** If policyholder is non-filer, 4% Advance tax will be applicable on top of the policy amount you see on our website. ### Are my personal details secure? Absolutely, we do not sell your information to any third party or send any unsolicited emails. ### Who will provide customer services after sale? We act as a bridge between you and service providers so you can make better and faster decisions. Any contractual obligation or commitment is between you and the service provider you select to work with. ### Do you charge for this service? Our services for our customers are totally free of cost. The prices you see on our website are official prices of the partner companies we work with and no additional amount has been added. If you want to report any misinformation, please email us on [contactus](https://smartchoice.pk/contact) at smartchoice.pk. ### Are you an insurance company or internet provider? We are neither. However, we work with them officially and the logos you see are our partners and we can help you avail any of their services at absolutely no additional cost. ### Are you the authorized partner of insurance, banks and others? Yes, all the insurance companies in Pakistan that you see on our website we are officially working with them under the name of Smart PFM (Pvt) Ltd. ### Is Smartchoice.pk responsible in any case? Though we try our best to keep the information updated and accurate as much as possible, however, we take no responsibility in case of any information being outdated. ### What will happen once I enquire via you? Our trained customer advisor will call to explain the chosen policy in detail and answer any queries you may have. Once you agree to proceed, a surveyor will be arranged to take pictures of your car and collect documents. The surveyor shall call and fix the time at your convenience. Once the survey is completed successfully, a cover note (official document stating your personal, car and other details) will be issued and sent to you to verify details and check exclusions if any. **Note:** There are no charges for survey and cover note, and if you decide not to proceed ahead, you don't need to make payment to us or anyone else. After this, payment has to be made by cheque/cash directly into the insurance company bank account. Upon payment confirmation, the insurance company will process the original policy and post it to your given address within 3 working days. ### What will happen after the survey of my car is done? You will receive a cover note which outlines car coverage, amount breakdown, car details and other important information for your review. Cover note is valid for 7 days from the date the survey is done. ### What if my cover note expires? In case you are unable to make the payment for your car insurance before the expiry of the cover note but you would still like to proceed ahead, in that case, a survey has to be arranged again and a new cover note has to be issued. Please note that premium rates are revised frequently. ### Is it necessary to be owner of the car to buy car insurance? Yes, this is one of the conditions to process your claim. In case you have bought your car from someone else and transfer is in process, you can still get your car insured in your name by sharing proof of transfer. ### Can I claim my car insurance from smartchoice.pk? Smartchoice.pk is an insurance aggregator, not an insurance provider; all your claims or any related matter will be managed directly by the insurance provider. ### How long is my car insurance policy valid? As per law, car insurance policy is valid for 1 year. ### Can I cancel my car insurance if I have sold my car? Yes, you can cancel it before your insurance term. For this, you need to raise the request with the insurance provider; they will process your refund for the remaining period as per their refund policy. ### When does insurance start? Your insurance will start from the day you receive your cover note. ### Who do I call in case of a claim? Every insurance company has a specific claims department that handles all such queries. As soon as any incident occurs that is covered under your insurance policy, you need to raise it immediately with the insurance provider at the given number on your policy document. ### Does health insurance cover Out Patient i.e. doctor checkup, medicines? Most of the insurance companies do not offer this coverage; however, there are certain plans which may cover this. Such plans cost higher compared to others. ### Does health insurance cover maternity? Most of the insurance companies offer this as optional cover, which means that additional charges have to be paid if you need this benefit. Also, there is a waiting period of 9-10 months before you can make a claim for this; there are also certain other conditions that apply. ### What if I am already diagnosed with a disease and will soon undergo surgery, will that be covered? Insurance companies do not cover any pre-existing conditions; at the time of buying insurance policy, if you already have any disease, then any expenses related to that disease will not be covered. ### Can I buy the policy immediately online? Yes, we offer a 60 minutes service which allows you to get the policy issued and sent to your email address within an hour. This facility is only available if you make online payment during working hours. Otherwise, you can complete the process online and select COD in payment option, and we will deliver the policy to your given address. ### How to pay? There are multiple payment options available, i.e. Pay via Credit/Debit Card, Jazzcash wallet, Bank transfer, Keenu wallet, Netconnect, and COD (cash on delivery). ### Are we paying directly to the insurance company or smartchoice? We are authorized agents of the insurance companies that you see on our website. The amount you pay us is collected on behalf of the insurance company as per our arrangement with them. ### How do I verify that the insurance policy issued is genuine? Each policy issued has a unique policy number, which you will find on your certificate. You can visit the insurance company website and enter this policy ID to verify. This ID is also used by the Embassy to verify policy authenticity. ### What documents do I have to provide for travel insurance? You need to provide personal details of the traveler such as passport number, CNIC, beneficiary details, and travel details. ### Can I change travel dates on my policy in case my trip gets rescheduled? Yes, you can get the dates changed without paying any additional charges. However, this must be done before your departure date. ### What will be the validation period of my travel policy? The validation period of your travel policy will start from the departure date of your travel till the day of your arrival mentioned on your policy. ### Can I get a refund for travel insurance in case my visa gets rejected? Yes, you can request a refund with the insurance company. For this, you need to provide certain documentary evidence such as a visa rejection letter. Note that 35% cancellation fee shall be applicable on the total policy amount you paid for all insurance companies except United General Insurance (UIC). For UIC, the cancellation fee will be 52%. ### Does the policy amount mentioned on our website include all taxes? Yes, all taxes are included; however, if you are a Non Tax Filer (as per FBR system), 4% Advance Tax shall be charged on the total amount you see on our website. ### Is there any age restriction to buy travel insurance policy? Yes, the policy can only be issued for travelers aged up to 85 years. ### Does premium increase if any of the travelers are aged above 65 years? Yes, if the traveler is above 65 years, the premium you see on our website will increase depending on the terms and conditions of the insurance company. This increment is usually 50 to 100% of the premium you see on our website. ### What do you mean by Family? Family means Husband, Wife, and Children up to the age of 18 years.