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    Experience Excellence in Claims

    We strive to deliver the highest quality of services to our clients, especially during the time when they need us the most i.e. at the time of making a claim. We believe in acting swiftly, courteously, and proficiently in order to settle all claims. Our primary focus is to ensure that the company satisfies its obligation to its claimants through efficient claim handling and settlement. Our Claim Operations Department boasts a highly qualified and experienced team of claim examiners, including medical doctors and business professionals who are well-versed in dealing with all types of claims. Our glorious claims history is depicted by our ever-increasing claim figures over the years.

    Download Claim Form Claim Documents Claims Newsletter Unclaimed Benefits

    Claim Procedure

    We process your claim in following steps:

    Online Claim Intimation


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    Claim Testimonials


    See what people are saying about our claim services

    Zarnak Sidhwa

    Zarnak Sidhwa

    Zarnak Sidwa, a professional chef and mother, shares her journey. Despite initial skepticism, the insurance policy she purchased became invaluable when her husband passed away unexpectedly. The EFU Life policy provided her with the vital income benefit, supporting her children's education and inspiring her to secure their future with a life insurance policy.

    Watch
    Malik Aslam Awan

    Malik Aslam Awan

    Malik Aslam's insurance policy became a transformative lifeline for his family after his sudden passing in Russia. The substantial payout secured the future of his brother's children and enabled them to acquire valuable land worth over Rs. 6 crore, opening doors to new possibilities.

    Watch
    Kamran Malik

    Kamran Malik

    Kamran Malik, a prudent individual whose insurance policy became a crucial lifeline during his heart attack. From covering his medical expenses to alleviating the financial burden, his forward thinking not only ensured his daughter’s future security but also his wellbeing in unforeseen future circumstances.

    Watch

    FAQs

    A claim should be reported as soon as possible (preferably within 30 days) after the occurrence of a covered event e.g. Death, Critical Illness, Disability, etc.

    A claim can be reported in several ways by;

    i. contacting us at our Head Office (EFU Life House, Plot No. 112, 8th East Street, Phase 1, DHA, Karachi);

    ii. visiting any nearby EFU Life Assurance branch in your vicinity/locality;

    iii. visiting claims section of our website; Download Death Claim Intimation Form or Living Benefit Claim Intimation Form (as the case may be) and send us the duly filled form to our Head Office or hand it over to our branch officials or sales personnel;

    iv. reporting Claim online @ Online Claim Intimation

    v. emailing us @ cod@efulife.com

    Please note that a claim will be formally registered only after receiving Claim Intimation Form (duly filled & signed by the claimant) at our Head Office in Claim Operations Department (COD).

    The claim documents can be submitted at:

    i. Any nearest branch of EFU Life Assurance Ltd in claimant’s vicinity

    ii. Claim Operations Department (COD)

    EFU Life House, Plot No. 112

    8th East Street, Phase 1

    DHA, Karachi

    iii. Email @ cod@efulife.com

    The documents generally required to assess the claim depend upon the nature of claim. However; there are some mandatory requirements for every claim, which can be viewed by visiting our website @ Claim Documents.

    For further information, our representative is always one call away and would be glad to provide guidance regarding the Claims process. Call us at (021)111-EFU-111 (111-338-111).

    Submission of all the required records or documents is necessary to verify the insured event and its cause as well as to determine and assess the validity of a claim. Therefore, as soon as the required documents are submitted, claim is promptly reviewed and processed.

    In the absence of complete requirements, the assessment of claim becomes difficult and consequently affects the claims processing and final decision.

    The submitted documents are reviewed in a week and the claimant is duly updated and informed about status of the claim.

    Claimant is a person who makes a claim; this may include:

    i. Nominee as appointed by the life assured and mentioned in the nominee section of policy documents

    ii. Guardian (in case of minor nominee) as appointed by the life assured

    iii. Life assured (in case of living benefit claims)

    The claim payment is disbursed through cheque or demand draft. Claim cheque / draft is handed over to the claimant through our branch officials or sales personnel after proper verification.

    Yes, a claim can be declined, in case:

    i. The information provided in the application for policy issuance or reinstatement/ alteration are found to be incorrect at the time of claim assessment.

    ii. The incident is not covered under the policy.

    iii. The risk under the policy is not inforce.

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