A simple hospitalization reimbursement plan where in case the life assured as result of Accident or Sickness is necessarily confined as an inpatient within a hospital, for at least twenty-four (24) consecutive hours, under the continuous attendance of a Physician, then the company will, upon receipt and due investigation of the claim, pay the daily benefit.

If the life assured has become eligible for the main benefit as mentioned above and is confined to Intensive Care Unit (ICU) then an additional amount equal to 100% of his daily benefit would be paid to him.

It is a defined benefit plan where in case of death of life assured due to any cause the beneficiary will get the lump sum amount as per the selected option.

This insurance covers the insured against accidental death. If the insured dies as a result of an accident, beneficiary will get the lump sum amount as per the selected option.

Coverage Amount Silver Gold Platinum
Hospital Cash(Daily Benefit) PKR 5,000 PKR 7,500 PKR 10,000
Personal Accident PKR 500,000 PKR 750,000 PKR 1,500,000
Term Life PKR 500,000 PKR 750,000 PKR 1,500,000
Premium Amount Silver Gold Platinum
Hospital Cash Assistance PKR 2,200 PKR 3,300 PKR 4,400
Personal Accident PKR 399 PKR 599 PKR 1,199
Term Life PKR 2,100 PKR 3,100 PKR 6,300

This is an annual policy and you will be covered for the whole year (12 months) from the date of commencement.

You can start this plan from the age of 18. But, the maximum age should not exceed 60 years.

If you cancel the policy, your cover will cease to exist from the date of cancellation of policy. Additionally, your premium should be refunded to you as per the terms and conditions of the policy if you apply for cancellation of the policy within 14 days. However, no refund will be applicable if you have any claim availed during the covered period of the cancelled insurance policy.

You need to visit our Buy-Now section of the website. Click Here ( for instant & hassle-free Buy Now Insurance Plans) where you have the facility to purchase the plan instantly online through Credit Card or Cash On Delivery options. You can also call (021) 111-338-111 (111-EFU-111) for any assistance.

You can simply reach us at (021) 111-338-111 (111-EFU-111) or write an e-mail at claims@efulife.com to file your claim. Once the claim is intimated, our agent will ask for required set of documents mentioned below. Upon receiving the documents and approving the case EFU Life will disburse the claim amount to you instantly.

In case of Hospital Cash Assistance:

  • Treatment record of hospital including dates of admission and discharge, all diagnostic reports, treatment receipts & prescriptions
  • Copy of customer’s CNIC
  • Claim Form with signature
  • Medical Certificate issued by treating doctor
  • In cases of accident/violence or attempted suicide, FIR/Police Report and Medico-legal Report will be required

In case of Personal Accident:

  • Claimant’s Statement Form
  • Hospital Death Certificate & All Medical Records
  • NADRA/Union Council Death Certificate
  • Copies of CNIC of Claimant & Deceased
  • FIR/Police Report and Post Mortem Report
  • Any other document deemed to be necessary for claim assessment and finalization

In case of Term Life Protection:

  • Claimant’s Statement Form
  • Attending Physician’s Report
  • Hospital Death Certificate & All Medical Records
  • NADRA/Union Council Death Certificate
  • Copies of CNIC of Claimant & Deceased
  • Any other document deemed to be necessary for claim assessment and finalization

Maximum of 30 days after submission of complete documents.

Hospital Cash Assistance Plan:

  1. Any Pre-existing Conditions
  2. Pregnancy, childbirth, abortion and any complication thereof.
  3. Willful self-inflicted injury while sane or insane or unreasonable failure to seek or follow medical advice, effect of alcohol or any drug, poison, gas or fumes, voluntarily or involuntarily taken.
  4. Claim during the waiting period.

Personal Accident Plan:

  1. Suicide or Self Inflicted Injury.
  2. Murder, assassination, assault, terrorism, criminal act, whether intentional or unintentional, premeditated or spontaneous, random or targeted, resulting in the death of the Life Assured.
  3. Engaging in racing of any kind other than athletics or swimming, participation in sports or past times of a hazardous nature including but not limited to parachuting, parascending, potholing, mountaineering, hot air ballooning, big game shooting or polo.

Term Life Protection Plan:

  1. Suicide or Self Inflicted Injury
  2. Death due to any preexisting conditions.
  3. Death during the waiting period