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Partner Injury Protection

Accident insurance from Jubilee

Sometimes accidents happen. So it’s good to know that from 1st January 2019, you are protected against emergency medical treatment costs and lost earning opportunities. Read in Urdu.

When are you protected?

Important information

From the launch date

Partner Injury Protection starts on 1st January 2019.

Protected while On-Trip

You are protected from the moment you accept a trip request, through to when the trip ends.

Who is protected?

All Uber driver partners are protected, subject to conditions and limits.

How it works

What this means for you

Get help with emergency medical treatment costs if you’re injured in an accident while on an Uber trip. If your injuries stop you from driving, you can also get help with lost earning opportunities.

Protection for emergency medical treatment costs and lost earning opportunities

If you’re an Uber driver in Pakistan, Partner Injury Protection can help you with emergency medical treatment expenses and other costs.

You pay nothing

As part of our global commitment to safety we have partnered with Jubilee to provide as many driver partners as possible with protection under this program. That’s why Uber is paying for this program.

Your customers are protected too

While on an Uber trip in Pakistan, your passengers are also automatically protected by the injury protection insurance.

How to claim if you’re injured

If you’re injured in an accident while On-Trip and want to get help with your emergency medical treatment costs, please use the in-app claim form or contact Jubilee (see below).

Further documentation

For driver partners

Full policy details and exclusions.

FAQ

  • What are the key features of cover?

    Partner Injury Protection provides cover for specific events that occur while a Partner is On-Trip. The key features are listed below. For key details please read this information from Jubilee.

    1. Medical cover: If an accident happens On-Trip, this cover reimburses you for necessary medical costs you have incurred following the accident (e.g. X-ray, operations, medicines) up to a capped sum. In addition, this cover reimburses ambulance service costs and provides you with an immediate small lump sum payment to cover your basic medical treatment needs.
    2. Death and funeral payments: In the unfortunate event that you die as a result of an accident On-Trip, your dependents or heirs will benefit from a lump sum payment. They will also obtain an additional lump sum amount for any incurred Funeral Expenses.
    3. Permanent Disability payments: In the unfortunate event that you suffer a permanent disability as a result of an accident On-Trip, you will benefit from a lump sum payment. The amount depends on the severity of the disability, as determined by Jubilee.
    4. Daily Payment Benefit (injury): If you are hospitalised for more than 48 hours as a result of an accident that happened On-Trip and are thereafter unable to work because of your injuries, you will receive a daily payment) for up to 30 days whilst you are medically certified by a Doctor as unfit to work.

    *Note: All above covers are subject to prescribed conditions and limits, which Uber may amend at its discretion.

  • What are the limits of the protection?

    CoverageCoverage PeriodLimits
    Medical CoverOn-TripUp to PKR 100,000 reimbursement (in excess of PKR 500) + up to PKR 15,000 reimbursement for ambulance costs. Immediate lump sum payment of PKR 3,000.
    Death and funeral paymentOn-TripPKR 270,000 lump sum + PKR 50,000 for funeral expenses.
    Permanent Disability paymentOn-TripUp to PKR 270,000 lump sum.
    Daily Payment Benefit (injury)On-TripFor driver partners only: PKR 500/day up to 30 days (following hospitalization for more than 48 hours).
  • What are the terms & conditions?

    This insurance is provided to you subject to the following terms:

    1. Uber may withdraw, update or modify this insurance at any time in its sole discretion.
    2. This insurance is procured by Uber at its own discretion and cost.
    3. Drivers Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
    4. The Driver Partner and Uber acknowledge and agree that the Driver Partner can decide to opt-out from being covered by the Insurance at any time by indicating they are declining the protection of the cover upon notice or request. Declining cover will not affect your ability to use the Uber App.
    5. Driver Partners are independent contractors. This Insurance does not in any way create an employment relationship or an expectation of employment (including from a labour law, tax law or social security law perspective) between Uber and the Driver Partner.
  • Why is Uber doing this?

    Sometimes accidents happen on the road. We want to help you protect yourself against unexpected costs and lost earning opportunities due to accidental injuries sustained while you’re On-Trip. We are proud to be industry leaders with Jubilee in being your partner on the road.

  • What does today’s announcement mean?

    We have been working closely with Jubilee to develop new products in Pakistan. These product offerings are now available to driver partners in Pakistan, and also to riders. The new program launches on the 1st January 2019. Access to protection takes effect on the same day.

  • Can all Uber partners get this protection?

    Yes, all Uber driver partners now protected, but you can decline if you prefer (see the next question to find out how).

  • I don’t want access to the protection. How do I say “no”?

    It is your decision whether you want this protection or not. You are free to say “no” at any time with no consequences. If you decline, you will no longer be protected by Partner Injury Protection coverage, including help towards emergency medical treatment and lost earning opportunities if you’re in an accident while on an Uber trip. If you’re sure you don’t want the protection provided by the Partner Injury Protection program, click here to add your details and submit your request to decline, or drop into your local Greenlight Hub.

  • Where is Injury Protection provided?

    Injury Protection is provided in the following countries where Uber operates Rides. At 1st January 2019 this includes Pakistan, South Africa, Saudi Arabia, and Egypt.

  • Does Injury Protection replace my own commercial vehicle motor insurance?

    No, Partner Injury Protection does not provide commercial vehicle insurance nor is it a substitute for comprehensive vehicle insurance. Please contact your insurer, broker or agent if you have any questions regarding your motor insurance.

  • What does “On-Trip” mean? When am I protected?

    You are protected from the moment you accept a trip request, during the trip and through to when the trip ends. Please visit this link to see the key policy details.

  • How do I activate Partner Injury protection for myself?

    You do not need to do anything. You are protected whenever you’re On-Trip using the Uber App as of January 1st 2019.

  • What is not covered?

    Like most insurance policies, Injury Protection has some general and cover-specific exclusions. Please read the key policy details and exclusions here.

  • How do I claim?

    In the event you’ve been in an accident and think you might have a claim, please submit a claim via one of the following channels:

    • To Uber through the Uber app; (Information you provide may be shared with Jubilee)
    • Via telephone to Jubilee Insurance Claims department on 111-654-111 & 021-32416022-26 Ext. 342 (Working Hours - 09:00 a.m. to 05:00 p.m. Working Days: Monday-Friday)
    • By Email: uberclaims@jubileegeneral.com.pk
    • By Mail/Post Addressed To: Claims Department, 2nd Floor, Jubilee Insurance House, I.I. Chundrigar Road, P.O. Box 4795, Karachi – 74000

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