Patience 2012 : if you have credit shield protection in your credit card the insurance will pay your outstanding amount upto your termination date.

For example if you spend 10,000 qr on termination date the insurance will pay the amount after passing your paper from insurance the bank will repay back in 12 months in equal installments.

There is no link between insurance and credit card clearance issue. First you have settle all the amount in credit card + loan other wise you will not get clearance letter from the bank.

For settlemnt of credit shield insurance protection it took minimum 2 months after applying the claims.