Individuals between the ages of 3 months and 65 years are eligible to enroll by completing an application form and paying the required premium. No medical examination is needed. Once enrolled, the policy can be renewed annually up to the age of 80, ensuring long-term health protection.

Yes. You can extend coverage to your spouse, children (above 90 days old), and parents (up to 65 years). Each family member will receive independent coverage equal to the benefit level chosen by the main applicant. Once enrolled, coverage can be renewed annually up to the age of 80.

Yes. Pre-existing medical conditions are covered. These include any illness, injury, symptom, or health issue (diagnosed or not) that existed before applying for insurance.

By choosing an EFU Life-approved network hospital, you can receive quality treatment without paying upfront. Through a straightforward pre-authorization process, EFU Life directly settles your eligible medical bills with the hospital as per your coverage. This cashless facility removes financial stress, allowing you to focus on recovery.

Yes, you may seek treatment at a non-network hospital, but the expenses must be paid by you first. EFU Life will reimburse the costs upon submission of bills, subject to the reasonable and  customary charges that would apply at a comparable network hospital. However, since network hospitals are vetted for quality care and offer cashless treatment, we strongly recommend using them whenever possible.

Your HR representative can submit a deletion request using the Change in Insured Status Form. Once processed, the member will be removed from the policy and their health card will be deactivated.

Any plan change (upgrade or downgrade) must be requested through your HR contact. Once approved and updated in the system, a revised health card will be issued reflecting the new benefits.

The standard turnaround time is 10 working days from the date the request is submitted.

Yes, physical health cards are issued. In addition, e-health cards are available on our mobile app and can be accessed immediately after approval.

Yes, members can log in to the MyHealth mobile app to view the real-time status of their requests and access their e-health cards.

Yes, employees can initiate family member additions directly through the mobile app. The request will be processed after HR approval and verification of the required documents.

The required documents usually include a CNIC, birth certificate, or marriage certificate, depending on the relationship. Specific requirements will be displayed in the mobile app or communicated by our team during processings

Please report any errors immediately through your HR representative or the mobile app. We will correct the details and issue an updated health card.

For urgent queries, your HR focal person can contact our dedicated support team by emailing us at customerrelations@efulife.com or by calling us at 111-338-338.

You will receive a confirmation email or SMS once your enrolment has been successfully processed.

For any enrolment-related issues, please reach out to your HR department or our dedicated enrolment support team via phone or email.

a) If your doctor recommends admission for a planned procedure, have the Pre-authorization Form completed and submit it at the admission desk of the network hospital at least two (2) days before admission.

b) Alternatively, you may send the fully completed Pre-authorization Form directly to EFU Life.

c) Admission will be approved in accordance with the policy terms agreed upon with your company.

d) After discharge, the hospital will send all bills and documents to EFU Life, and payment will be made directly to the hospital.

Note: Personal expenses such as guest meals, telephone use, and convenience items are not covered under the policy and will be charged separately.

You can submit a claim in two ways:

• Cashless (Pre-authorization): For planned admissions or emergencies at a network hospital.
• Reimbursement: For OPD visits, hospitalization, maternity, or other covered expenses where you pay first and then apply for reimbursement.

The required documents vary depending on the type of claim:

• Completed Claim Form (both pages; second page signed and stamped by the attending doctor).
• Discharge summary.
• Itemized hospital bills.
• Diagnostic reports (if specialized investigations were conducted).
• Prescriptions.
• Operative notes.

Outpatient (OPD) / Day Care:

• Claim Form (only the first page required).
• Consultation invoice.
• Prescription.
• Diagnostic test reports.
• Pharmacy bills (if applicable).

Maternity:

• Claim Form.
• Discharge summary.
• Itemized bills.
• Gynecology/OB notes.
• Baby’s birth record (and birth certificate, if required).

Major Surgery / Critical Illness:

• Treating physician’s statement.
• Operative notes.
• Histopathology report (if available).
• Itemized bills.
• Diagnostic reports.

• The average processing time is 15 working days after all required documents are received.
• You will receive updates via SMS/Email and can track your claim status through the MyHealth App.

You can track your claim anytime through the MyHealth App under “My Claim Updates.” The app allows you to:

• View your claim number, claimed amount, and receiving date.
• Check if additional documents are required.
• Access your Settlement Letter (if approved) or Regret Letter (if not approved).
• Download both Requirement and Settlement letters directly.

You can download the MyHealth App here. 

A cashless claim means that EFU Life directly settles the eligible hospital bill with the network hospital. You only need to present your Health Card and CNIC at the hospital reception.

Download and print the required forms using the links below:

• Pre-authorization Form (hyperlink to form pdf)
• Reimbursement Claim Form (hyperlink to form pdf)

You can find the list of panel hospitals here. 

• If documents are missing, you will be notified through a Requirement Letter.
• If the claim does not qualify under the policy terms, a Regret Letter will be issued.

• Medical Pre-authorization Support (in case of emergency): For cashless claims and hospital admission queries, contact our Pre-authorization Desk at UAN # 111-338-338.
• Claims Services: For reimbursement submissions, document requirements, and settlement updates, email us at customerrelations@efulife.com.

If your claim is on hold, it may be due to missing documents or other pending requirements. You will be notified of any specific requirements needed to process your claim.

Claims are settled according to the terms and conditions of your policy. The reason for a claim being regretted or not paid will be provided in the claim settlement document.

Please check your bank account within two to three working days from the claim close date. If you are still unable to access the payment or find the information you need, please email us at customerrelations@efulife.com or contact our 24/7 call center at 021-111-435-700.

For non-emergency treatment at a panel hospital, please follow these steps:

Step 1: Check the updated Panel Hospital List and Excluded Hospital List here.

Step 2: At the hospital admission/corporate counter, submit:

• Your Health Card / E-Health Card (via MyHealth app).
• Photographic identification (CNIC).
• A duly filled and signed Pre-authorization Form (doctor’s advice/prescription or medical documents may also be required).

Step 3: Once submitted, you can check your Pre-authorization status within two working days either:

• Directly at the hospital,
• By calling our 24/7 helpline at 021-111-435-700, or
• By emailing us at customerrelations@efulife.com

If you are covered under EFU Health, you can visit any Network Hospital across the country. Once the doctor advises admission, simply present your Health Card / E-Health Card at the admission office. Credit will be granted as per your policy benefits and available limits.

For medical emergencies and pre-authorization approvals, please contact the relevant medical hotline:

• Karachi (Sindh & Balochistan): 0300-8207000
• Lahore (Central Punjab & Lahore): 0300-8483818
• Islamabad (Islamabad & Khyber Pakhtunkhwa): 0300-8508550

If admitted to a Non-Network Hospital, insured members must pay the expenses upfront and later submit a claim for reimbursement. Reimbursement will be made once complete claim documents are provided, in line with your policy benefits and available limits.

For guidance on how to submit your claim, please contact our 24/7 Call Center at 021-111-435-700 or email us at customerrelations@efulife.com.

Network hospitals accept health cards only once a covered member has been advised for hospital admission by a doctor.

For non-emergency treatment at a panel hospital, you can check your pre-authorization status within two working days directly at the hospital or by contacting us through our call center or email.

If your doctor is a visiting consultant at the network hospital, you may be required to pay their fee directly. You can then claim reimbursement by submitting the original receipt along with all required documents. Reimbursement will be made as per your policy terms and conditions.

Some network hospitals may request a small advance to cover personal expenses that are not included under your medical insurance or takaful policy.

If your hospitalization expenses exceed the allotted policy limit, you will need to pay the excess amount directly to the hospital.

You can download the required health forms using the following link: https://www.efulife.com/our-library/forms

To register on the mobile app, you will need:

• Your valid CNIC
• Your active email address
• Your policy number (as mentioned on your health card)
• Your Cert ID (as mentioned on your health card)

Please note that only active policies can be accessed via the mobile app. If your health policy has expired or is inactive, you may not be able to log in.

Your Health Card contains key information about your coverage. You must present it each time you receive treatment at a Network Hospital, as it provides the hospital with essential details about your policy.

If your Health Card is lost or damaged, please notify us immediately at customerrelations@efulife.com. A duplicate card will be issued after verification.

Anyone can use this app to consult a doctor, order medicines, or book lab tests. You must be 18 years or older to register an account.

You can sign up using your mobile number or email. After verification, you can start using the app.

Yes, you can add multiple family members' profiles and book consultations, medicines, or lab tests on their behalf

To avail the services of mHealth, you must be an EFU Life customer or a corporate client.