Allianz EFU Health Insurance Limited is now completely integrated into the EFU business, Pakistan’s largest insurance business, and will trade as EFU Health Insurance Limited.
Table of Contents−
- 1. Introduction – Allianz EFU Health Insurance Limited, Pakistan
- 2. Details – Allianz EFU Health Insurance Limited, Pakistan
- 3. Intro Video – Allianz EFU Health Insurance Limited, Pakistan
- 4. Type of Insurances – Allianz EFU Health Insurance Limited, Pakistan
- 5. Required Documents – Allianz EFU Health Insurance Limited, Pakistan
- 6. Branches – Allianz EFU Health Insurance Limited, Pakistan
- 7. Board of Directors – Allianz EFU Health Insurance Limited, Pakistan
- 8. Associated Clients – Allianz EFU Health Insurance Limited, Pakistan
- 9. Online Helpline – Allianz EFU Health Insurance Limited, Pakistan
- 10. Verification – Allianz EFU Health Insurance Limited, Pakistan
- 11. Disclaimer – Allianz EFU Health Insurance Limited, Pakistan
EFU is Pakistan’s largest insurance company. EFU General Insurance Ltd, EFU Life Assurance Limited, and EFU Health Insurance Limited make up the Group structure. The Company offers both traditional insurance and takaful coverage for the complete range of non-life, life, and health risks.
1. Introduction – Allianz EFU Health Insurance Limited, Pakistan
The EFU Brand has a long 90-year history, having been founded in Calcutta in 1932. By 1961, EFU had become the international symbol of Pakistan’s insurance business, as well as the largest life company in Afro-Asian countries (excluding Japan). For 2022, EFU Group’s yearly sales exceeded PKR 75 billion.
EFU Health is the country’s first specialized health insurance provider. Our customer-oriented strategy is founded on our financial stability and experience in addressing all of our clients’ insurance needs. Our organization and goods are centered on our consumers.
EFU Health (previously Allianz EFU Health) has managed to preserve its one-of-a-kind status as the health insurance of choice for many corporates and households throughout Pakistan. Personalized service, client commitment, and the creation of goods that meet the demands of our consumers are just a few of the promises we offer.
Over the years, EFU Health (formerly Allianz EFU Health) has introduced technologically advanced solutions to introduce process automation, on the basis of which various value-added services and features are offered through EFU Health (formerly Allianz EFU Health) portals, which include a mobile application and customer convenience portals.
EFU Health (previously Allianz EFU Health) also maintains the distinction of being Pakistan’s first ISO-certified health insurer.
2. Details – Allianz EFU Health Insurance Limited, Pakistan
2.1 Vision Statement – Allianz EFU Health Insurance Limited
At EFU Health (formerly Allianz EFU Health) our vision is to be the company of choice in the Healthcare Industry of Pakistan. We Will Achieve this by meeting the needs of Comprehensive Healthcare Services, far better than others.
Vision Statement – Allianz EFU Health Insurance Limited
2.2 Mission Statement – Allianz EFU Health Insurance Limited
We believe that all segments of the society should have access to high standards of healthcare.
Mission Statement – Allianz EFU Health Insurance Limited
2.3 Values – Allianz EFU Health Insurance Limited
We are committed to the highest standards of moral, ethical and professional conduct; to caring for and developing our employees; to giving our customers the best value for money.
Values – Allianz EFU Health Insurance Limited
3. Intro Video – Allianz EFU Health Insurance Limited, Pakistan
4. Type of Insurances – Allianz EFU Health Insurance Limited, Pakistan
Allianz EFU Groups, Pakistan
EFU is one of the largest insurance groups in Pakistan covering:
- EFU Life Assurance Limited
- EFU Health Insurance Limited
- EFU General Insurance Limited
4.1 EFU Life Assurance Limited, Pakistan
EFU Life Insurance Limited offers the following plans, each with a comprehensive subplan.
- Individual Insurance
- Bancassurance
- Group Life Insurance
- Inclusive Insurance
- Hemayah Takaful
- Primus
4.1 Individual Insurance – Allianz EFU Health Insurance Limited
Individual insurance policies include the following:
| Emerald Plan | Plan with Potential to maximize your growth |
| Prosperity For Life | We understand your need for security and prosperity |
| Education Plan | Education – Your Child’s Answer to a Brighter Tomorrow |
| Capital Growth Plan | Invest in a prosperous future |
| Khushhali Plan | Making Saving affordable! |
| Guaranteed Acceptance Plan | Hassle – free Insurance for a Secure Future |
| Executive Pension Plus Plan | Plan wisely for your dream retirement |
| Nisa Savings Plus Plan | A unique plan designed especially for women |
| Marriage Plan | Your promise today, their celebration tomorrow! |
| Head Start Plan | Save today for your child’s secure tomorrow |
| Doctor Connect | Your Health, Our Priority |
| Humsafar Plan | Humsafar – Your Companion in Life |
| Security Plus Plan | Hope For the Best, Prepare for the Worst |
| Group Savings Plan | Together for a Safer Tomorrow |
| Savings Plan | Savings that Safeguard Your Future |
4.2 Bancassurance – Allianz EFU Health Insurance Limited
Bancassurance includes the following banks and the insurance plans they offer;
| Allied Bank | EFU Ilm and Anmol Rishtey Plan Bilingual EFU Savings and Retirement Plan Bilingual EFU Accelerated Savings Plan Bilingua |
| Askari Bank | EFU Aggressive Growth Plan Bilingual EFU Education & Marriage Plan Bilingual EFU Retirement Plan Bilingual EFU Saving and Life Protection Bilingual EFU Single Premium Plan Bilingual |
| JS Bank | EFU Roshan Kal Bilingual EFU Mehfooz Sarmaya Bilingual EFU Sunehra Khuwab Bilingual |
| MCB Bank | EFU Dream Wedding Bilingual EFU EduCare Bilingual EFU Accelerated Savings Plan Bilingual EFU High Value Savings Plan Bilingual |
| Samba Bank | EFU Single Premium Plan Bilingual EFU Secure Future Plan Bilingual |
| National Bank Of Pakistan | EFU Education and Marriage Plan Bilingual EFU Savings and Retirement Plan Bilingual EFU Accelerated Savings Plan Bilingual EFU Secure Future plan Bilingua |
| Silk Bank | EFU Sunehra Kal Plus Bilingua |
| The Bank Of Punjab | EFU Child Saving Plan Bilingual EFU Marriage Plan Bilingual EFU Retirement Plan Bilingual EFU Savings Plan Bilingua |
| Standard Chartered | EFU Bunyaad Bilingual EFU Invest n Assure Bilingua |
| UBL Bank | EFU Better Life Child Savings Plan Bilingual EFU Better Life Retirement Plan Bilingual EFU Better Life Savings Plan Bilingual EFU Better Life Shaheen Plan Bilingual |
| Habib Metropolitan Bank | EFU Behtar Kal Child Education & Marriage Plan EFU Behtar Kal Retirement and Saving Plan EFU Behtar Kal Ladies Insurance & Investment Plan |
| First Women Bank | EFU Child Saving Plan Bilingual EFU Saving Plan Bilingual EFU Women’s Savings Plan Bilingual Saving |
4.3 Group Life – Allianz EFU Health Insurance Limited
The following insurance programs are included in group life:
| Critical Illness Cover | Ensuring your employees’ wellbeing in times of need. |
| Credit Life Scheme – For Employers | Employees must be given more conviction in order to increase productivity and retention. |
| Credit Life Scheme – For Financial Institutions | EFU Life offers the Credit Life Scheme, which provides life and disability insurance to consumers of credit institutions. |
| Fee Continuation Plan – For Employers | Employers must provide a school Fee Continuation Plan for their workers’ children in order to safeguard their educational future and keep them from looking for better possibilities elsewhere. |
| Fee Continuation Plan – For Educational Institutes | Educational institutes influence children’s futures by educating and safeguarding them in the same way that parents do, and EFU Life provides great education in the case of an unfortunate incident. |
| Group Savings Plan | Offering savings and protection under one roof! |
| Group PF Insurance Scheme | The EFU Life Provident Fund Scheme offers a financial cushion in the event of an unexpected death. |
| Group Term Life Assurance | Ensuring your employees’ benefits remain intact! |
| Hospital Cash Plan | Pakistan’s EFU Life Hospital Cash Plan provides affordable, simple hospital coverage. |
| Salary Continuation Plan | Ensuring income continuity for employees and their loved ones! |
4.4 Inclusive Insurance – Allianz EFU Health Insurance Limited
Inclusive Insurance plans include the following:
| Tasdeeq Tahaffuz | Tasdeeq Tahafuz Plan English |
| Jazz Cash | Jazz Cash Beema English Family Tahafuz English Sehat Sahulat English |
| Bank Alfalah | Alfa Zindagi Monthly/Annual Mehfooz Mustaqbil Bilingual |
| U Bank | Sehat Tahaffuz Plus اردو |
| Habib Metro Bank | Behtar Kal Health Shield Bilingual Behtar Kal Income Continuation Bilingua |
| JS Bank | Cover Shield Plan اردو/English Anmol Sehat اردو/English Mehfooz Kal Bilingual Cover Plan اردو/English |
| Soneri Bank | Rahbar Term Life Plus اردو/English Rahbar Health Cover اردو/English Rahbar Covid-19 Assure اردو/English Rahbar Complete Cover Plan اردو/English |
| Tez Financial Services | Tez Hospital Coverage Plan English |
| UBL | You Protect Plan اردو/English |
| Waada Digital | Efu Zindagi & Hospital Plan English |
| Faysal Bank | EFU Multi-Cover Plan اردو/English |
| PayPak | PayPak Loyalty Program Bilingua |
| Telenor Microfinance Bank | Tahafuz Plan Daily & Monthly/Semi & Annua Tahafuz Plus Plan English Life Insurance Plan اردو/English |
| Jazz | Haafiz Plan English Haafiz Plus Plan English |
4.5 Hemayah EFU Family Takaful – Allianz EFU Health Insurance Limited
Hemayah EFU Family Takaful includes the following types and subtype of insurances:
4.5.1 Individual Family Takaful
| Hemayah Emerald Plan | Plan with Potential to maximize your growth |
| Hemayah Takaful Savings Plan | Making a brighter tomorrow possible |
| Hemayah Takaful Child Savings Plan | Be it sending your children to the best university |
| Hemayah Takaful Khushhali Plan | Shar’iah Compliant Low Contribution Plan |
| Hemayah Takaful Saving Plus Plan | Shar’iah Compliant High Allocation Plan |
| Hemayah Takaful Capital Growth Plan | Make tomorrow a bright reality |
| Hemayah Takaful Guaranteed Acceptance Plan | Reliable coverage for secure future |
| Hemayah Takaful Pilgrimage Plan (FOR HAJJ, UMRAH & ZIARAT) | Fulfillment of religious obligations with ease. |
| Hemayah Takaful Group Savings Plan | Protect the ones you care in times of financial instability |
| Hemayah Takaful Humsafar Plan | Safeguard your loved ones against Life’s uncertainties |
| Hemayah Takaful Nisa Savings Plus Plan | A Unique Shariah-Complaint Plan designed especially for Women. |
4.5.2 Bancatakaful – Allianz EFU Health Insurance Limited
| Askari Bank | EFU Takaful ILM Plan Bilingua EFU Takaful Sarmaya Plan Bilingua |
| DIB Bank | EFU Takaful Accelerated Saving Plan Bilingual EFU Takaful Child Saving Plan Bilingual EFU Takaful Sarmaya Plan Bilingua |
| Habib Metropolitan Bank | EFU Takaful Asaan Bachat Plan English/اردو EFU Takaful Kamyab Mustaqbil Plan English/اردو EFU Ladies Takaful & Investment Plan English |
| Samba Bank | EFU Takaful Education & Marriage Plan Bilingual EFU Takaful Savings Plan Bilingual EFU Takaful Single Contribution Plan Bilingual |
| UBL | EFU Better Life Takaful Child Savings Plan Bilingual EFU Better Life Takaful Savings Plan Bilingual |
| Faysal Bank | EFU Mustaqbil Takaful Brochure & Shariah Compliance Certificate Certificate/Bilingual EFU Tahaffuz Takaful & Shariah Compliance Certificate Certificate/Bilingual |
| Bank Islami | EFU Nigehbaan Plan Bilingua |
| National Bank Of Pakistan Aitemaad Islamic Banking | EFU Takaful Savings Plan Bilingua EFU Takaful Education and Marriage Plan Bilingual |
| Standard Chartered Bank | EFU Zaman Bilingua |
| Bank Of Punjab | EFU Takaful Saving Plan Bilingual EFU Takaful Child Savings Plan Bilingual EFU Takaful High Value Savings Plan Bilingual EFU Takaful Women Savings Plan Bilingual |
4.5.3 Group Family Takaful – Allianz EFU Health Insurance Limited
Group Family Takaful includes following categories:
- Group Term Family Takaful
- Group Takaful Critical Illness Cover
- Group Family Takaful Salary Continuation Plan
- Group Family Takaful Provident Fund Scheme
- Group Family Takaful Credit Protection Scheme – For Employers
- Group Family Takaful Credit Protection Scheme – For Financial Institutions
- Group Family Takaful Fee Continuation Plan – For Employers
- Group Family Takaful Fee Continuation Plan – For Educational Institutes
- Group Family Takaful Hospital Cash Plan
4.5.4 Inclusive Takaful – Allianz EFU Health Insurance Limited
| Askari Bank Ltd | Askari Cash Plus English |
| Habib Bank Limited | EFU Sahara اردو / English |
| Easy Paisa | Kamyab Mustaqbil Plus اردو Kamyab Mustaqbil urdu |
| Oraan | Oraan Committee Protection Plan English |
| UBL | EFU-You Protect Takaful Plan اردو /English |
| Faysal Bank | EFU Roshan Mustaqbil Plan Bilingual EFU Noor Takaful Plan اردو/English |
4.5.5 Takaful – Allianz EFU Health Insurance Limited
Takaful policy includes the following:
| Takaful | Takaful is a Shariah compliant way of safeguarding yourself |
| Islamic Investments | EFU Life is setting up a new Shariah compliant unit linked fund |
| Wakala-Waqf Model | https://www.efuhemayahtakaful.com/takaful/wakala-waqf-model/ |
| Shari’ah Advisor | The Shariah Advisor of EFU Family Takaful is Mufti Muhammad Ibrahim Essa |
| ReTakaful | Munich Re is one of the world’s largest reinsurers |
| Surplus Sharing | Takaful offers a unique feature of Surplus Sharing to the Participants in addition to risk mitigation benefits |
| Shari’ah Certificate | https://www.efuhemayahtakaful.com/takaful/shariah-certificates/ |
| Fatwa | https://www.efuhemayahtakaful.com/takaful/fatwa/ |
4.2 Primus – Allianz EFU Health Insurance Limited
Following are the services provided by Primus
- EFU Life PlanIT
- PRIMUS Travel Desk
- Health Check up
- Loyalty Program
- The PRIMUS Relationship
- Health Services
4.3 EFU General Insurance Limited – Allianz EFU Health Insurance Limited
Following are the Product & Services provided by EFU General Insurance limited
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2.1 Fire & Property insurance – Allianz EFU Health Insurance Limited
EFU Insurance offers a diverse portfolio covering industrial, commercial, and service activities, covering commercial property, industrial, and energy risks.
Following is the list of benefits being offered.
| Fire Insurance | Comprehensive fire and lightning protection strategy for diverse businesses and structures. |
| Engineering insurance | Engineering Insurance protects civil work, plant, machinery from unforeseen losses. |
| Terrorism Insurance | Terrorist attacks pose risk to businesses and individuals, causing widespread injury and property damage. |
2.2 Marine & Aviation – Allianz EFU Health Insurance Limited
The following insurance policies are available:
| Marine Cargo | Because there is no way to eliminate some hazards during cargo transit, the most practical method to avoid loss is to get Marine Cargo Insurance. |
| Marine Hull | Marine Hull and Machinery Insurance offers protection for water crafts against sea perils. |
| Aviation | EFU is a top aviation insurance provider, catering to small and large aircraft and commercial airlines. |
2.3 Motor Insurance – Allianz EFU Health Insurance Limited
The following insurance coverages are available:
| Private Vehicle Comprehensive | Comprehensive coverage covers car damage from multiple sources. |
| Commercial Vehicle | Company provides indemnification for participant’s vehicle and accessories loss or damage. |
| Motorcycle Comprehensive | Company covers motorcycle loss or damage, covering protection and removal costs to nearest repairers. |
2.4 Miscellaneous – Allianz EFU Health Insurance Limited
| Travel Insurance | Life is best enjoyed through exploration, travel, and enjoyment, whether for business or leisure. |
| Financial Lines Insurance | Financial institutions manage public and corporate finances, savings, and investments effectively. |
| Liability Insurance | Uncertainty in business often leads to legal actions; liability insurance can help manage these risks. |
| Money Insurance | EFU General’s Money Insurance policy safeguards entities from unforeseen losses, ensuring secure financial protection beyond locks and keys. |
| Crop Loan, Livestock Loan & Live Stock Insurance | Supporting Agri-livestock growth and protecting farmers, banks, and dairy growers’ interests. |
| Personal Accident Insurance | Accidents are sudden, unexpected, and require healing. Overcome them. |
| Plate Glass Insurance | Plate Glasses are fragile and susceptible to damage from accidental causes; protection is crucial. |
| Fidelity Guarantee | Wealth acquisition is challenging, with some individuals using illegal methods or dishonesty. |
| Bancassurance and Corporate Agency Agreements | Bancassurance: bank-insurance company arrangement enabling insurance company to sell products to bank’s client base. |
| Credit & Suretyship | Construction offers opportunities, risks, and challenges. |
5. Required Documents – Allianz EFU Health Insurance Limited, Pakistan
Documents required for claim are:
5.1 Disability Claim
- Claimant’s Statement Form
- Attending Physician’s Report
- Police and medico legal Report in case of hospitalization due to accident and violence
- CNIC copy of claimant
- Any other document deemed necessary for claim assessment and finalization
5.2 Death Claim
- All the above-mentioned documents
- CNIC copy of claimant and deceased
- Hospital Death Certificate & all medical records
- NADRA/Union Council Death Certificate
5.3 Hospital Cash Assistance
- Treatment record of hospital including dates of admission and discharge, all diagnostic reports, treatment receipts & prescriptions
- Copy of customer’s CNIC
- Claim Form with signature
- Medical Certificate issued by treating doctor
- Any other document deemed necessary for claim assessment and finalization
5.4 Personal Accident
- Claimant’s Statement Form
- Hospital Death Certificate & All Medical Records
- NADRA/Union Council Death Certificate
- Copies of CNIC of Claimant & Deceased
- FIR/Police Report and Post Mortem Report
- Any other document deemed to be necessary for claim assessment and finalization
5.5 Life Protection
- Claimant’s Statement Form
- Attending Physician’s Report
- Hospital Death Certificate & All Medical Records
- NADRA/Union Council Death Certificate
- Copies of CNIC of Claimant & Deceased
- Any other document deemed to be necessary for claim assessment and finalization
6. Branches – Allianz EFU Health Insurance Limited, Pakistan
Please visit the following website for information on branches situated throughout Pakistan.
https://www.efulife.com/branch-locator/
7. Board of Directors – Allianz EFU Health Insurance Limited, Pakistan
- Rafique R. Bhimjee
- Taher G. Sachak
- Hasanali Abdullah
- Jahangir Siddiqui
- Muneer R. Bhimjee
- Saifuddin N. Zoomkawala
- Syed Salman Rashid
- Heinz Walter Dollberg
For profile info of Board of Directors visit the following link
https://www.efulife.com/wp-content/uploads/2017/06/Profile-of-Directors.pdf
8. Associated Clients – Allianz EFU Health Insurance Limited, Pakistan
- Dacadoo
- Shahid Afridi Foundation
- Hefazat Technologies
- Habib Metro Bank
- Standard Chartered Bank
- First Women Bank Limited
- Bank Of Punjab
- Bykea
- Jazz
- JS Bank Limited
9. Online Helpline – Allianz EFU Health Insurance Limited, Pakistan
- UAN Number: 0800 – 880089
- Email Address: info@efuhealth.com
- Hotline Numbers; (021) 111-432-58
- Address: 37-K Block 6, P.E.C.H.S, Karachi, Pakistan
9.1 Complains – Allianz EFU Health Insurance Limited
Visit following sites for complaints,
- Complaint Grievance Handling – English Version
- Complaint Grievance Handling – Urdu Version
- Complaint Grievance Handling Forum
9.2 Claims – Allianz EFU Health Insurance Limited
For claims visit the following site,
https://www.efuhealth.com/claims-services.php
10. Verification – Allianz EFU Health Insurance Limited, Pakistan
Allianz EFU Health Insurance Limited is verified from
https://jamapunji.pk/verify/licensed-entity-detail/allianz-efu-health-insurance-limited
11. Disclaimer – Allianz EFU Health Insurance Limited, Pakistan
- If they Allianz EFU Health Insurance Limited have not resolved your concern satisfactorily, you may file a complaint with the Securities and Exchange Commission of Pakistan (SECP).
- Please keep in mind that SECP will only consider complaints that were initially asked to be resolved directly by the firm and were not resolved.
- Furthermore, complaints that are not related to the SECP’s regulatory domain/competence will not be considered.
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