For Safety

Okay so for instance (if anyone is familiar with easypaisa theft insurance basically you pay a small fee and if your phone cracks or gets stolen then you can claim your insurance) if my phone gets stolen then how would i access my insurance as my phone would be the primary device where i create my easypaisa account and have theft insurance so if the main device itself gets stolen how would i recieve the claim and will the monthly insurance fee get cut from that account or what...i just have a lot in mind so if someone understands me plz answer this thank you!❤️