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.

This will be determined when you buy your EFU Life Policy. However, once the policy is issued no additional medical assessment is required.

Yes. To become an EFU Life WIN customer, you need to purchase the EFU Life WIN policy.

The complete terms and conditions of the policy will be provided to you as part of the welcome pack that you will receive after your policy is issued, along with a welcome email.

Your EFU Life WIN membership ends when your EFU Life WIN Insurance policy discontinues for any reason, such as cancellation, surrender, lapse, or maturity.

Your EFU Life WIN membership will end with the maturity of your last EFU Life WIN linked insurance policy.

The EFU Life WIN membership fee is part of your insurance premium. This is deducted through monthly charges from your unit account.

The Health Score, a numeric scale of 0 to 1,000, represents your overall health. It increases or decreases in near real-time, depending on how the user’s mental and physical health, nutrition, activity, sleep, self-control, and mindfulness data changes over time.

EFU Life WIN app is designed not just to meet, but exceed, your engagement goals. It is engineered to spark user interest, hold their attention, and invite continuous interaction while helping them get better health.

It redefines well-being with an immersive experience that combines the dynamic Health Score, the captivating 'Wellness Wheel” feature, an enticing rewards system, and annual status levels to keep you engaged and motivated. It's not just an app; it's your key to an exciting and healthier life journey.

There are several devices which you can link with EFU Life WIN app. The complete information is also available within the EFU Life WIN app.

The list includes:

1. Withings Health Mate
2. Garmin
3. Fitbit
4. Strava
5. Apple Health app
6. Google Fit

Each month, there will be challenges to complete. You can complete these challenges by taking steps or doing any physical activities that elevate your heart rate as per the required threshold. Once you complete your challenge, you will automatically qualify for the reward.

You can track your daily steps through your smartphone and monitor your heart rate using your wearable devices equipped with a heart rate monitoring feature.

EFU Life WIN points are awarded after you complete your goals related to physical activities, food, nutrition, and many other different activities. Your accumulated EFU Life WIN Points determine your EFU Life WIN Status and associated rewards.

You can earn a maximum of 100,000 points in a year, which will earn you the Winner Status.

You can earn EFU Life WIN Points through:

1. Completing your lifestyle goals which include activities, lifestyle questionnaires, sleep, and nutritional goals.

2. Completing your body related assessments and questionnaires.

3. Engaging with EFU Life WIN app and receiving surprise points.

You will have 30 days to choose and redeem your vouchers; after that, the option to select and redeem your voucher will no longer be available. Once you get the voucher code, you will have another 30 days to use it on the reward partner’s platform.

In case your points are not reflected accurately, you can contact us via email at csd@efulife.com or call at (+92) 021-111-338-111 describing the issue and sending us a screenshot of your activity. We will respond to you within 5 business days.

The customer can earn PKR 500 on completing 50,000 steps* or engaging in 5 hours of any physical activity with an elevated heart rate*, whichever comes first. The digital voucher will be issued on EFU WIN app as soon as either of these conditions is met and the customer can redeem it on any of the available reward partners’ platform. This reward is limited to a maximum of 4 vouchers per month, meaning that a customer can earn a maximum of PKR 2,000 per month under this reward category.

The medium-term reward is based on point accumulation and redemption against an online reward store. Customers can earn up to 100,000 points annually. The customer can earn up to PKR 10,000 annually and purchase exciting rewards from the EFU online reward store based on the points accumulated & their WIN status.

Any EFU Life WIN policyholder can qualify for the EFU Life WIN long-term rewards as per the criteria mentioned in provisions and conditions.

Your EFU Life WIN status is determined by the number of points you have accumulated within a policy year. Currently, there are 4 statuses:

• Beginner – when you join the EFU Life WIN

• Mover – on accumulation of 50,000 points within your policy year

• Achiever – on accumulation of 70,000 points within your policy year

• Winner – on accumulation of 85,000 points within your policy year

Your EFU Life WIN status will change throughout the year as you advance from Beginner to Winner. Your WIN status will reset to Beginner at the start of every policy year. Based on the status that you have achieved at the end of your policy year; your long-term reward will be calculated.

At the end of every 5 years of your policy, the accumulated long term reward will be added to the cash value of your policy

EFU Life WIN points serve two main purposes: they determine your annual WIN status which impacts the long-term policy-linked benefits; and they are also redeemable for medium-term rewards at the EFU Life WIN app’s redemption store.

The premium which you will be paying will remain constant, but the accumulated cash value will change depending on your EFU Life WIN Status.

Even if you are unable to achieve Achiever or Winner status, you will still be enjoying short-, medium-, and the long-term rewards associated with Mover status.

Certain features are available offline, ensuring accessibility without an internet connection for specific functionalities.

We take data security seriously and use encryption and other security measures to protect your information. We adhere to strict privacy policies.

We do not share user data with third parties without explicit consent. Your data is used solely for improving your experience within the app.

Absolutely, you can share your progress and achievements on social media platforms to inspire and engage your friends.

Minimum software requirements for compatibility are:

• android version 6.0 or higher

• iOS version 10 or higher

Regular updates are released to improve user experience and provide enhanced functionalities.