Claims

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.