Frequently Asked Questions

It is a defined benefit plan which pays the sum assured in equal monthly installments for one year after death of the policyholder; or in case of permanent, total disability due to accident. The monthly installments are intended to cover school fees of children of the policyholder.

It is a defined benefit plan which pays the sum assured in equal monthly installments for one year after death of the policyholder; or in case of permanent, total disability due to accident. The monthly installments are intended to cover household expenses of the policyholder.

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.

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.

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.

All plans except COVID-19 Protect have a term of 1 year. You will be covered for the whole year (12 months) from the date of commencement. COVID-19 Protect provides coverage for 3 months.

COVID-19 Protect Plan Benefits

*A maximum of PKR 30,000 will be paid for COVID-19 Test Reimbursement for each family.

** Death Benefit is payable only for members aged 18 years and above.

COVID-19 Protect Plan Premium

*Premium is for 3 months.

No medical tests are required for enrollment. Minimum age at enrollment for self and spouse is 18 years, while maximum age is 60. Minimum age for children covered in the plan is 6 months.

COVID-19 Family version provides coverage for self, spouse and up to 6 unmarried children.

Death Benefit will only be paid for members above the age of 18, if death is due to Coronavirus disease (COVID-19).

Covered members must be confined to a hospital for at least 24 hours, receiving treatment for Coronavirus disease (COVID-19) in order to become eligible for reimbursement. Maximum number of days for which reimbursement will be payable is 30 days. However, maximum consecutive days of hospitalization for which reimbursement will be payable is 15 days. There must be a gap of 30 days between successive hospitalization.

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 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.

For Education and Income Continuation::

• Claimant's Statement Form
• Attending Physician's Report
• Police and medico legal Report in case of hospitalization due to accident and violence
• CNIC copy of claimant
• Any other document deemed necessary for claim assessment and finalization

• All the above-mentioned documents
• CNIC copy of claimant and deceased
• Hospital Death Certificate & all medical records
• NADRA/Union Council Death Certificate

For 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

For 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

For 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

For COVID-19 Protect:

• Medical Certificate issued by Registered Medical Practitioner certifying the diagnosis of COVID-19 and a positive COVID-19 lab test carried out at a certified lab
• Claim Form
• Copy of Customer’s CNIC
• Any other document deemed necessary for claim assessment and finalization

Additional documents for Hospital Cash Benefit:

• Treatment record of hospital which includes dates of admission and discharge, diagnostic report, treatment receipts and prescriptions.

Additional documents for Death Benefit:

• Hospital Death Certificate & all Medical Records
• NADRA/ Union Council Death Certificate
• Copy of Beneficiary’s CNIC

Maximum of 30 days after submission of complete documents.

For Education and Income Continuation:

• Intentional self-inflicted injury, participation in any criminal act, violation of law or disease and incapacity or bodily injury which existed prior to this Assurance.
• Participating or practicing a dangerous sport, including big game shooting, hang-gliding, hot air ballooning, parascending, steeple chasing, polo playing, horse racing, underwater diving, power boat racing, mountaineering, rock climbing, caving, pot holing and all forms of motor sports and motor cycle sports, including time trials and hill climbs.
• Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of police duty.

• Suicide or self-inflicted Injury
• Death due to any preexisting conditions.
• Death during the waiting period

For Hospital Cash Assistance Plan:

• Any Pre-existing Conditions
• Pregnancy, childbirth, abortion and any complication thereof.
• 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.
• Claim during the waiting period.

For Personal Accident Plan:

• Suicide or Self Inflicted Injury.
• Murder, assassination, assault, terrorism, criminal act, whether intentional or unintentional, premeditated or spontaneous, random or targeted, resulting in the death of the Life Assured.
• 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.

For Term Life Protection Plan:

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

For COVID-19 Protect:

No benefit will be payable in case of:

• Missing or negative COVID-19 Test result
• Claim during waiting period
• Preexisting case of COVID-19
• Claim for any of the benefits under the plan outside Pakistan