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    Comprehensive Protection for Every Cardholder

    PayPak Cards are designed to go beyond payments, combining everyday convenience with added financial protection. Offered in three variants: Standard, Green, and Pink, each card includes embedded coverage and benefits, suited to a wide range of customer profiles. Whether you're looking for essential security or extended lifestyle support, PayPak ensures dependable coverage through both Conventional and Takaful options.

    Key Features:

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    Death Coverage

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    Accidental Death Coverage

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    Daily Health Cash Benefit

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    Daily ICU Benefit

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    Fraudulent Transaction Coverage

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    Micro Critical Illness
    (for Pink Card only)

    Seamless Claims Support


    Navigate your claim confidently with our trusted process.

    Explore Our Products


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    PayPak Standard Card

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    PayPak Green Card

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    PayPak Pink Card

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    PayPak Standard Card

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    PayPak Green Card

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    PayPak Pink Card

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    FAQs

    EFU Life WIN is the Wellness brand of EFU Life, a pioneering wellness program redefining insurance. It’s more than just protection; it’s an inspiring journey toward a healthier you.

    EFU Life WIN offers custom plans, tailored to fit your lifestyle, serving as your personal guide towards making healthier choices effortlessly. From nourishing foods to mindful routines, it rewards your journey to wellness.

    Buy an EFU Life WIN policy and embrace a future where insurance means more – a journey toward a healthier, happier life.

    EFU Life WIN Policy is offered in two variants:

    • EFU Life WIN Ultra: Starting from PKR 250,000 per annum
    • EFU Life WIN Lite: Starting from less than Rs. 5,000 per month (annual payments apply)

    S. No

    EFU Life WIN Ultra

    EFU Life WIN Lite

    1

    4 vouchers per month

    2 vouchers per month

    2

    Vouchers up to worth 24,000/- per year

    Vouchers up to 12,000/- per year

    3

    Vouchers worth Rs. 500 upon completion of each challenge

    Vouchers worth Rs. 500 upon completion of each challenge

    4

    Challenges:
    Complete 50,000 steps OR Engage in 5 hours of physical activity with an elevated heart rate in a month.
    (1 voucher per 50,000 steps)

    Total steps assigned in a month 200,000

    Challenges:
    Complete 100,000 steps OR Engage in 10 hours of physical activity with an elevated heart rate in a month.
    (1 voucher per 100,000 steps)

    Total steps assigned in a month 200,000

    5

    Vouchers can be redeemed on EFU Life online reward store.

    Vouchers can be redeemed on EFU Life online reward store.

    6

    PRIMUS discounts at 150+ alliance partners nationwide

    No PRIMUS discounts

    Step 1: Download the latest version of the EFU Life WIN mobile application.

    You can download EFU Life WIN application from Google Play store on Android devices or the App store on iOS devices.

    Step 2: Get rewarded via Short Term Reward

    You can earn a Rs. 500 voucher upon completing steps or heart rate goals that will appear in the rewards section of EFU Life WIN mobile application.

    You can earn a maximum of 4 vouchers worth a total of PKR 2,000 in a month by achieving any one or a combination of both goals.

    Step 3: Higher the Points, Greater the Rewards – Explore Medium-Term Reward

    Completing monthly Steps or Heartrate targets earns you a voucher. Similarly, achieving goals and completing challenges—such as walking, running, hitting the gym, or using the EFU WIN app—earns you WIN Points

    You can accumulate WIN points and redeem them at EFU online store for exciting rewards annually.

    Step 4: Long-Term Policy Linked Benefit

    Along with the short-term & medium-term rewards, you can also earn long-term policy-linked benefits which will be accrued annually and credited to your account value of the policy every five years. The long-term policy-linked benefit is based on the policy term and EFU Win status which is based on the points accumulation over the course of a year.

    EFU Life WIN program is an internationally recognized and scientifically proven initiative. It encourages customers to adopt a healthy lifestyle by offering rewards and incentives while accessing core insurance benefits, which could be used for multipurpose savings and investments or as your safety net in case of unforeseen events.

    It’s simple; live healthily and get rewarded, an innovative approach to life insurance. EFU Life WIN rewards its customers for being physically, mentally, and emotionally fit and stress-free. It is a behavioral wellness solution that has helped millions of people around the world get healthy by giving them the tools, knowledge, access, and incentives to improve their health.

    A wearable device is not mandatory, and one can use their mobile phone to track activity in the form of steps.

    Scientific studies have proven that a higher heart rate burns more calories; by burning more calories, you become healthier; and a healthier lifestyle results in a longer life. This is why it is important to track your heart rate to identify how long in a day it is in the fat burning zone.

    Tracking your EFU Life WIN results in a strong sense of achievement and brings you closer to the target that you need to achieve to earn your short-, medium- and long-term rewards.

    Moreover, the higher your points, the greater your status! If you achieve Winner status, the annual reward you earn would be higher as compared to what you would earn by remaining on Achiever. This is why tracking your status level is highly recommended.

    You must be over 18 to apply for the EFU Life WIN policy.

    Yes, you can apply for the EFU Life WIN policy before your 65th birthday and enjoy the benefits.

    The PayPak Green debit card is an affordable, mono-badged debit card designed to promote financial inclusion. It caters to underserved segments of society which includes social assistance participants, blue-collar workers, and low-income wage employee banking customers

    The following are the features of the PayPak Green Debit Card:

    • Death Coverage Amount: PKR 50,000 (death due to any cause)

    • Accidental Death Coverage: PKR 100,000 (in case of death due to accidental cause)

    • Daily Health Cash Benefit: PKR 1,000 per day*

    • Daily ICU Benefit: PKR 2,000 per day*

    • Fraudulent Transaction Coverage: PKR 15,000 per year against fraudulent or unauthorized transaction against fraudulent or unauthorized transaction

    You may apply through participating banks offering the PayPak Green Debit Card.

    The PayPak Pink Debit Card is created specifically for women in Pakistan, aimed at encouraging them to engage in everyday financial transactions with ease and security

    The following are the features of PayPak Pink Debit Card:

    • Death Coverage Amount: PKR 100,000 (death due to any cause)

    • Female Critical Illness: A lumpsum coverage of PKR 100,000 in case of the diagnosis of 7 women specific cancers which include Breast, Uterus, Cervix Uteri, Ovary, Fallopian Tube, Vagina, Vulva, and on the diagnosis of the critical illnesses of severe Osteoporosis and Rheumatoid Arthritis.

    • Accidental Death Coverage: PKR 200,000 (in case of death due to accidental cause)

    • Daily Health Cash Benefit: PKR 2,000 per day*

    • Daily ICU Benefit: PKR 4,000 per day*

    • Fraudulent Transaction Coverage: PKR 30,000 per year against fraudulent or unauthorized transaction against fraudulent or unauthorized transaction

    50 lucky PayPak Pink Debit cardholders will be selected through a lucky draw to receive executive health checkups for:

    • Anemia Screening

    • Mammogram

    • Pap Smear

    • 3 Scholarships per month of PKR 100,000 each for child education

    No, the PayPak Pink Debit card will exclusively be offered to women only.

    The PayPak Pink Debit Card can be obtained through banks, affiliates, and issuing partners that provide PayPak Pink Debit Cards to their customers.

    Yes, the PayPak Pink Debit Card is acceptable at over 18,500 ATMs across Pakistan.

    The nominee/customer can notify us of any existing or previous claims by:

    • Calling our helpline at 021-111-338-111

    • Messaging us on WhatsApp: 0323-5545581

    • Send an email at claims@efulife.com.

    A dedicated claims coordinator will then get in touch to collect all necessary documents via WhatsApp for further ease and simplification.

    • CNIC copy of deceased and beneficiary

    • Death Certificate (copy)

    • Copy of PayPak card or bank-issued verification

    • FIR in case of accidental death

    • CNIC of the cardholder

    • Hospital Admission & Discharge Reports

    • ICU admission proof (for ICU benefit)

    • Copy of PayPak card or bank-issued verification

    • Claim form duly filled by the cardholder

    • Complaint received from the customer along with an image of your card and a copy of your CNIC

    • Account statement showing the account is open, active and in good standing at the time of making the claim

    • Copy of the declined attempt details (if any)

    • Copy of the CCTV footage of the incident (if any)

    • Any other document required

    • Card blocking report

    • FIR and final challan proving the occurrence of the crime and identifying the criminals via the Bank’s final investigation report

    • Any other document/evidence if proof that unauthorized transactions were performed on customer account.

    • CNIC of the cardholder

    • Diagnosis reports

    • Medical history (if any)

    • Hospitalization records (if any)

    • Copy of PayPak card or bank-issued verification

    *any other document deemed necessary by the company (only on a case-to-case basis, where necessary)

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