Lifecare Benefit
EFU Life is the pioneer in Pakistan of critical illness cover, which provides a cash sum (prepayment of the Basic Sum Assured) upon the diagnosis or occurrence of the following critical illnesses:

Heart Attack	Stroke
Cancer	Paralysis
Major Organ Transplant	Blindness
Coronary Artery By-Pass Surgery	Deafness
Kidney	Multiple Sclerosis
Terminal Illness *	Benign Brain Tumor
Coma	Major Head Trauma
Loss of Limbs	Loss of Speech

* In case of Lifecare Benefit. See product brochure for rider details.

Lifecare Benefit Plus
On the diagnosis of a critical illness, this rider provides an additional amount equal to the basic sum assured. The basic policy continues after this payment.

Additional Term Assurance (ATA)
This rider increases the level of life cover by providing an additional amount in the range of 50% to 300% of the sum assured of the main plan.

Family Income Benefit (FIB)
In case of death of the individual during the term of this rider, a monthly income of 1% or 2% of the basic sum assured is paid for the remaining term.

Accidental Death & Disability (ADDB)
This rider provides a lump sum benefit (in addition to the benefit of the main plan) on accidental death. It also provides additional benefits on accidental disability.

Accidental Death & Disability Plus (ADDB +)
In addition to the benefits of the Accidental Death and Disability Benefit rider, this rider also provides the sum assured if an individual becomes permanently and totally disabled.

Hospitalcare
It provides a daily cash benefit in case of hospitalization of the individual. One can choose up to a maximum of 10 units of benefit and each unit will pay a daily cash income of Rs. 250. This benefit is available till age 60

Hospitalcare Plus
In addition to the benefits under the Hospitalcare rider, this rider also provides a daily cash sum during the convalescence period.

Medical Recovery Benefit (MRB)
The Medical Recovery Benefit rider is a unique extended critical illness insurance product, which is offered as a rider with the EFU Investment Plan. It is a sickness and accident insurance benefit covering over 370 defined illnesses and injuries. The rider provides a lump sum cash payment on the diagnosis of a covered medical condition.

Waiver of Premium (WOP)
In case an individual is unable to follow his/her occupation due to sickness or accident, the contribution of the plan would be made by EFU Life.