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Life Insurance Coverage
PKR 100,000 in case of death due to any cause.
Accidental Death Coverage
PKR 200,000 in case of death due to accidental cause.
Daily Hospital Cash Benefit
PKR 2,000
Daily ICU Benefit
PKR 4,000 daily
Fraud Protection
PKR 30000, Reimbursement for financial losses due to unauthorized debit card transactions (excluding cyber frauds).
No. Insurance coverage is provided free of cost as part of your PayPak card benefits. There are no hidden charges.
Yes. Each PayPak card is individually covered under the insurance program, regardless of the number of cards a customer holds.
If a nominated beneficiary is already registered with the bank, EFU Life will contact and settle the claim directly with that individual. In the absence of a nominee, the legal spouse will be approached.
In the case of any dispute or conflicting claims, EFU Life will require a valid Succession Certificate from the relevant court for claim settlement.
No. All eligible claims are processed and paid out without any service charges or deductions.
6. How can I initiate an insurance claim?
You may initiate a claim by:
• Calling EFU Life’s helpline: 021-111-338-111
• Email at: [email protected]
EFU’s claim coordinators will guide you through the process.
No formal claim forms are required. To initiate a claim, simply call EFU Life’s helpline or send an email. The claims team will then contact you to guide you through the process and help you submit the necessary documents.
No. Claims are valid only if the PayPak card is in active, warm, cold, or with inactive status.
You need to submit the following documents:
• CNIC of the deceased and beneficiary
• NADRA-issued Death Certificate
• Copy of the PayPak card or bank-issued verification
• FIR (in case of accidental death)
You need to submit the following documents:
• CNIC of the cardholder
• Hospital Admission & Discharge Reports
• ICU admission proof (if applicable)
• Copy of PayPak card or bank-issued verification
Once a claim is initiated, EFU Life’s dedicated claims team will promptly reach out via WhatsApp or phone call to guide you and collect the necessary documents, ensuring a smooth and expedited claim process.
Yes. If you have separate PayPak cards from banks like UBL, HBL, Meezan, etc., and your CNIC matches across accounts, each card is insured individually and eligible for separate claims.
No formal admission through EFU is required. For hospitalization claims, the following are sufficient:
• CNIC of the cardholder
• Hospital Discharge Report
No, there are no location or radius-based restrictions. If a fraudulent incident occurs anywhere within Pakistan and the transaction is verified, the insurance claim will be processed and honored accordingly.
Yes. Customers may submit the required documents to their bank branch, which can coordinate with EFU Life for processing the claim on their behalf. However, direct claim submission to EFU is encouraged for faster processing.
Once all required documents are submitted, EFU Life aims to process and disburse eligible claims within 10–15 working days.
Claims may be denied in cases of:
• Expired PayPak cards
• Submission of fraudulent or forged documents
• Mismatched beneficiary identification
• Ineligible cause of claim (e.g., non-covered illness or event)
Visit https://paypak.net.pk/paypak-hope or contact your issuing bank’s customer service for further details on PayPak insurance benefits and claim support. https://paypak.net.pk/paypak-hope
