Terms of use

The card holder’s age must be below 60 & above 18 to avail the insurance coverage.

The insured person will be the discount card holder.

Insurance claim will not be entertained if you do not have the card or if it is expired.

If you lose the coverage card, please contact TLCC head office or report online via our website.

Coverage card shall be used in approved city. Laboratory tests discount will be available in entire Pakistan.

The risk covered by the insurance company (CSIL) will be accidental death & total permanent disability accident and hospitalization as per limits and terms and conditions of the insurance company.

Once you have received your Coverage Card you signify your agreement to be bound by these terms and conditions by using your Coverage Card.

By using a gift voucher at a participating retailer you signify your agreement to be bound by these terms and conditions for the use of gift vouchers.

The Coverage Card and gift vouchers are supplied to you on the basis of the information supplied to us by, or on behalf of, you in your Application Form. TLCC reserves the right to immediately and without notice cancel your Coverage Card and gift vouchers at its absolute discretion for any reason whatsoever including, inter alia, if any information supplied to TLCC by you is incorrect or misleading.

TLCC has no relationship with the organization for which you volunteer and provides the scheme separately from them through independent negotiations with local businesses.

TLCC reserves the right to amend these terms and conditions at any time by publishing a notice on its website to that effect.

The Coverage Card will be valid for one year only printed on the front of the Coverage Card.

TLCC will aim to send your personalized Coverage Card to you by post within 14 days of receiving your application.

TLCC will use reasonable endeavors to maintain a list of those Retailers participating in the discount scheme on the TLCC website but TLCC does not warrant that any Retailer remains a participant or will accept a Coverage Card.

Subject to these terms and conditions, on presentation of your Coverage Card, participating Retailers will offer approved % on your total individual bill. Retailers reserve the right to refuse the Coverage Card and the application of any discount for some or all of their goods and/or services at their absolute discretion.

Please check the terms and conditions of the particular offer you are interested in before making a purchase.

Where a Retailer requires you to pre-book (e.g. shops, restaurant) you should state at the time of booking that you intend to use the Coverage Card.

At a Retailer where you pay for goods after use (e.g. hairdresser, restaurant), with or without pre-booking, you should inform the Retailer that you intend to use the Coverage card prior to the receipt of relevant goods/services

In all other circumstances you must inform the Retailer that you have a Coverage Card immediately prior to the point of purchase (e.g. at the till).

The expiry date of your Coverage card will be checked by participating Retailers when you redeem the offer. Expired Coverage Cards will not be accepted.

Your Coverage Card is strictly non-transferable and so cannot be used by either friends or family members or other third parties. Participating Retailers may ask you to show photo identification such as a driving license or ID Card to confirm that you are the Coverage Card holder or are permitted by law to make any acquisition. Any attempted misuse of the Coverage Card will result in cancellation of the card.

Participating Retailers are entitled to withdraw their offer or change the terms and conditions of their offer from time to time. TLCC shall have no liability for any such withdrawals or changes in their terms and conditions.

Where you make a purchase using your Coverage Card or use a gift voucher from any participating Retailer, any losses or liability arising out of or in connection with such purchases shall be the relevant participating Retailer’s liability. TLCC does not accept liability for unsatisfactory experiences or any failure by the participating Retailers to deliver expected goods or services or the quality thereof.

TLCC will not be under any obligation to become involved in any dispute between you and any participating Retailer & Insurance company. Any complaints should be taken up with the participating Retailer & Insurance company.

TLCC does not give any warranty for any goods or services purchased with use of the Coverage Card.


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