Benefits

What are the Benefits Offered – Plan A, B, C

Benefit and Contribution

EFU Sahara Plan B provide following options for Benefit and Contribution amount as chosen by the Participant:
All Amounts in PKR

*Rs 50,000 will be paid for a consecutive period of 12 months

EFU Sahara Plan C provide following options for Benefit and Contribution amount as chosen by the Participant:

*Rs 40,000 will be paid for a consecutive period of 12 months

Key Details

EFU Sahara Plan A

• Enrollment Age: 18 to 65 years.
• Coverage Age: 18 to 66 years
• Term: 1 year
• Covered Event: Death due to any reason
• Free Look Period: 30 days from the date of Commencement to review the terms and conditions of the Plan and to cancel the Coverage.

EFU Sahara Plan B

• Enrollment Age: 18 to 64 years.
• Coverage Age: 18 to 65 years
• Term: 1 year.
• Covered Event: Death due to any reason and Hospitalization due to Accident or Illness
• Free Look Period: 30 days from the date of Commencement to review the terms and conditions of the Plan and to cancel the Coverage.
• Elimination Period
• For Illness: 30 Days
• For Accidental Benefit: No waiting period
• Between Successive Hospitalizations: 30 days
• Maximum Hospitalization per Year: 180 days

EFU Sahara Plan C

• Enrollment Age: 18 to 66 years.
• Coverage Age: 18 to 70 years.
• Term: 1 year.
• Covered Event: Death due to any reason, Hospitalization due to Illness, Accident, and C-Section
• Free Look Period: 30 days from the date of Commencement to review the terms and conditions of the Plan and to cancel the Coverage.
• Elimination Period: o For Sickness: 30 Days
• For Accidental Benefit: No waiting period
• Between Successive Hospitalizations: 30 days
• Confinement Limit per year: 180 days

What is not covered?

This policy does not provide coverage and no benefits shall be paid if death occur from all or any of the following conditions:

EFU Sahara Plan A

• Any Pre-existing Conditions to be covered after 30 days from the enrollment date. Suicide, self-Inflicted injury and illegal act of the member
• Failure to seek or follow medical advice, taking of alcohol or drugs.
• Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of police duty.
• For non-resident Pakistani’s, death claim arising due to an act of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection by military or usurped power, riot or civil commotion, an illegal organization, an industrial dispute, or death at a place declared as active and declared war zone or where UN has active peacekeeping operations.

EFU Sahara Plan B:

For Term Takaful and Income Benefit:

• Pre-existing conditions to be covered after 30 days from the enrollment date
• Suicide, self-Inflicted injury and illegal act of the member
• Failure to seek or follow medical advice, taking of alcohol or drugs
• Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of police duty
• For non-resident Pakistani’s, death claim arising due to an act of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection by military or usurped power, riot or civil commotion, an illegal organization, an industrial dispute, or death at a place declared as active and declared war zone or where UN has active peacekeeping operations.

For Hospital Cash:

• Hospitalization for diagnostic purpose only or failure to seek medical advice.
• Self-inflicted Injury, attempted suicide, abuse of alcohol, drug addiction or abuse, treatment of any sexually transmitted diseases and Injuries as a result of an illegal act of the Covered Member
• Pregnancy, miscarriage, childbirth or any-malignant disease occurring in or in connection with the female reproductive organs.

EFU Sahara Plan C:

For Term Takaful and Income Benefit:

• Pre-existing conditions to be covered after 30 days from the enrollment date
• Suicide, self-Inflicted injury and illegal act of the member
• Failure to seek or follow medical advice, taking of alcohol or drugs.
• Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of police duty.
• For non-resident Pakistani’s, death claim arising due to an act of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection by military or usurped power, riot or civil commotion, an illegal organization, an industrial dispute, or death at a place declared as active and declared war zone or where UN has active peacekeeping operations.

For Hospital Cash:

• Hospitalization for diagnostic purpose only or failure to seek medical advice.
• Self-inflicted Injury, attempted suicide, abuse of alcohol, drug addiction or abuse, treatment of any sexually transmitted diseases and Injuries as a result of an illegal act of the Covered Member
• Injury or Illness due to Natural Catastrophes, Epidemic, including, but not limited to, flood, earthquake, avalanche and cyclone

For C- Section:

• Any Pre-existing condition

How to Claim?

Written notice of claim must be given to EFU Life – Window Takaful Operation immediately but in any case not later than 90 days after occurrence of event.

All claims will require evidence of claim and proof of age of the covered member. The customer can email at claims@efulife.com or call EFU Life – Window Takaful Operator directly at 111-EFU-HEM (111-338-436) to lodge the claims from along with the following documents:

For Term Life:

• Copy of death certificate issued by NADRA or union council
• Copy of CNIC of deceased and claimant
• Claimant’s statement
• Succession certificate & original guardianship certificate (Incase beneficiary is minor)
• Claim form with signature
• Any other document deemed necessary by EFU Life

For Hospital Cash:

• Treatment record of hospital which includes dates of admission and discharge, medical diagnosis and treatment
• Customer’s CNIC copy
• Police and medico legal reports are required in case of hospitalization due to accident, violence and attempted suicide
• In case of accident, receipts of treatment expenses and prescriptions issued by doctor and the hospital
• Attending Physician’s report
• Copies of all medical records
• Any other document deemed necessary by EFU Life

For C Section:

• Receipts of C section expenses and prescriptions issued by doctor and the hospital
• Customer’s CNIC copy
• Treatment record of hospital which includes dates of admission and discharge, medical diagnosis and treatment
• Any other document deemed necessary by EFU Life

For Accidental Medical Reimbursement (AMR):

• Customer’s CNIC copy
• Police and medico legal reports are required in case of hospitalization due to accident, violence and attempted suicide
• In case of accident, receipts of treatment expenses and prescriptions issued by doctor and the hospital
• Attending Physician’s report
• Copies of all medical records
• Any other document deemed necessary by EFU Life