EFUEmployee Protector Plan

SindhKarachiAbul Hasan IsphahaniBahadurabadBoat BasinBohra PirChase Shaheed-e-MillatClifton Block IICloth MarketDehli ColonyDHA 26th StreetDHA Bokhari CommercialDHA Kh-e-IttehadDHA Kh-e-ShahbazDHA Khadda MarketDHA Korangi Road, Phase 1DHA Phase VIIIDHA ZamzamaDhorajiElectronic Market Federal B. AreaFisheriesGarden EastGarden WestGulistan-e-JauharGulshan ChowrangiGulshan-e-HadeedGulshan-e-IqbalHawksbay RoadHyderi MarketIBA City CampusIslamia CollegeJheel Park PECHSJodia BazarKarachi Stock ExchangeKorangi Industrial AreaLandhiLucky StarM. A. Jinnah Road Malir CanttMarriott Road NazimabadNew Challi New Sabzi MandiNorth Karachi Industrial AreaNorth NapierNorth NazimabadOcean Mall, Clifton OrangiPaposh NagarPark Towers, CliftonProgressive Centre, Shahrah-e-FaisalRegal Chowk, Saddar Safoora GothShah Faisal Colony Shaheen Complex Shahrah-e-Faisal ShershahS.I.T.E.Sohrab GothSoilder Bazar Teen Talwar Clifton The Center SaddarTimber MarketU.P. MorrUrdu BazarHyderabadAnaj MandiCitizen ColonyCloth MarketDHALatifabadKohsarLatifabad Unit No VIQasimabadSaddar BazarSITE HyderabadSukkurIBA SukkurMilitary RoadShaheed GunjBadinBhiria CityChak 41 Jamrao SangharChambarDaduDharkiDigriGhotkiGolarchiJacobabadJamshoroKandhkotKashmoreKhairpurKhiproKot Ghulam Muhammad

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PunjabLahoreDHA Airport RoadAllama Iqbal TownAzam Cloth MarketBadami BaghBaghbanpuraBahria TownBrandreth RoadCavalry GroundChowburjiCircular RoadCollege RoadDaroughawalaDHA Phase VIDHA T-BlockDHA Z-BlockFerozepur RoadGulbergGulshan Ravi RoadIchra BazaarJohar TownM. M. Alam RoadMcLeod RoadModel TownMughalpuraNew Garden TownPECO RoadRaiwind RoadShadbaghShadman TownShah Alam MarketShahdaraState Life Housing SocietySunder Industrial EstateThe Mall BranchTimber Market Ravi RoadUpper MallUrdu BazarValencia SocietyWalton RoadWAPDA TownZarrar Shaheed RoadRawalpindiAECHS Bahria Town, Phase 4Bahria Town, Phase 7Bank RoadChaklala Scheme 3Chakri RoadFalcon Complex Khanna RoadGHQKhayaban-e-Sir SyedKurri RoadLalazar Rawalpindi CanttPeshawar RoadRaja BazarRange RoadRCCI Industrial Estate RawatSaidpur RoadSattelite TownFaisalabadGhulam Mohammad AbadGrain MarketGulistan ColonyKarkhana BazarLiaquat RoadSatiana RoadGujranwalaBank SquareG. T. RoadSheikhupura Road

MultanAbdali RoadBosan RoadVehari RoadWAPDA Town Phase 1GujratG. T. RoadKacheri ChowkKasurAgrow KasurChandni ChowkPakpattanAgrow PakpattanPakpattanSialkotShahabpuraSialkot CanttParis RoadSheikhupuraAgrow SheikhupuraSheikhupura BranchPattokiAgrow Allahabad Theeng MorrAgrow WarbuttonAli Pur Chatta ArifwalaAttockBahawalpurBhakkarBhalwalBhawalnagarBurewalaChah Chand Wala JampurChakwalChichawatniChiniotDaskaDera Ghazi KhanDepalpurDingaGagoo MandiGhakkhar MandiGohadPurGojraGulyanaHa�zabadHaroonabadHasilpurJalalpur JattanJaranwalaJauharabadJehlumJhangKachi Jamal KhanpurKamokiKhanewalKharianLalamusaLayyahLodhranMandi BahauddinMandi FaizabadMian ChunnooMouza Fadda MailsiMouza Gajju Hatta ShujabadMouza Ghalwan AlipurMouza Parhar SharqiMuridkeMuza�argarhNankana SahibNarowalNekapura SialkotOkaraPir MahalQaboolaRabwaRahim Yar KhanMouza chak 72 N/P Rahim Yar KhanSadiqabadSahiwalChak 89 Dist. Sahiwal SambrialSargodhaTalangangTaxilaToba Tek SinghUgokiVehariWazirabadWah CanttAgrow Chishtian

Khyber PakhtunkhwaPeshawarDabgari GardensG.T. RoadGrain Market

Islamia RoadKarkhano HayatabadNaz CinemaUniversity RoadDara Adam Khel (FR Kohat)AbbottabadBafaBannuChakdaraChitralD.I. KhanDir UpperHaripurMansehraMardanMattni ChanganMingoraNowsheraShaidu (KPK)Saleh KhanaShahkas Khyber AgencyTimergaraTopi

BalochistanQuettaM.A. Jinnah RoadQuetta CanttZarghoon RoadOrmaraDera Murad JamaliDuki HarnaiGawadarKhanozai PishinKhuzdarLoralaiMuslim BaghUsta Muhammad

Azad Jammu & KashmirBaghChaksawariCharhoiDadyalDinaHattianJatlanKhui RattaKotliMirpurMuza�arabadNaarrRawalakotSehnsaSeri

Gilgit-BaltistanChilasGilgitSkardu

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BahrainManama

EFU Employee Protector Plan is a pre-underwritten product, issued and subject to the terms and conditions set by EFU Life, having its principal office at Plot 112, 8th East Street, DHA Phase I, Karachi, Pakistan – 75500, EFU Employee Protector Plan is only the name of the product and does not, in any way, indicate the quality of the product. Bank is acting as corporate insurance agent/Distributor for the plans on behalf of EFU Life. Bank will not be responsible in any manner if your application or claim is rejected by EFU Life nor will investigate or provide any opinion on merits of the claim.

Disclaimer:

The underwriter of this insurance policy is EFU Life Assurance. JS Bank is only acting as a corporate insurance agent on behalf of EFU Life for this plan.

Who is the underwriter of this product?

This plan provides coverages for Death, Accidental permanent total disability and Hospitalization benefit.

What are the events covered under this plan?

These are annual or monthly renewable plan(s) which provides the full coverage to the employees for the period/term of either one year or on monthly basis.

Till when will this plan keep them protected?

Following are the exclusions for Income continuation benefit:a. Pre-existing condition, which includes disease and incapacity or bodily injury which existed prior to this coverage;b. Suicide and attempt to suicide, murder, self-inflicted injury and illegal act of the insured person;c. Failure to seek or follow medical advice, taking of alcohol or drugs;d. Participating in exercises or operations while serving with of the armed or paramilitary forces or while performing any form of police duty; ande. 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 or an industrial dispute.

What is not covered by this plan?

At what age can I get my employees enrolled in the plan?You can enroll your employees in the plan from the ageof 18 years till they are 64 years old and this plan willkeep them protected until they attain 65 years of age.

Every company aims to provide unparalleled benefits to their employee to keep them protected from life and health risks. This not only helps in maintaining higher motivation among employees but also keep them focused in achieving their goals. But, life’s unforeseen incidents may push a person and the family towards hardship and financial crises. However, these risks can be mitigated through effective financial planning through EFU Employee Protector Plan.

EFU Employee Protector Plan provides family income continuation to the family of the assured person where in case of death due to any cause or accidental permanent total disability, a monthly income benefit will be provided to the family for the entire period of one year without them worrying about their wellbeing.

It also mitigates health’s financial risks by providing daily hospital cash benefit to the assured in case of hospitalization due to sickness or accident. One of the unique feature of this plan is, in case of ICU confinement, the daily hospitalization benefit is automatically doubled.

What are the benefits of the plan?Following variants of the plan are available:

3,000 6,000 80

ICU ConfinementBenefit

EFU Employee Protector – Hospital Cash Plan

Daily HospitalCash Benefit

875

MonthlyPremium

AnnualPremium

Bronze 250,000

500,000

750,000

130

260

380

Death or AccidentalPermanent TotalDisability benefit

Category

Silver

Gold

1,000,000 500

1,300

2,600

3,800

5,000Platinum

MonthlyPremium

AnnualPremium

EFU Employee Protector – Income Continuation Plan Following are the exclusions for hospitalization benefit:

a. Pre-existing conditions;b. Attempt to suicide, self-inflicted injury, participation in criminal act or violation of law;c. Failure to seek or follow medical advice taking of drugs or alcohol;d. Treatment related to dental, pregnancy, miscarriage, childbirth or any-malignant disease occurring in or in connection with the female reproductive organs; and

● Elimination or waiting Period for Hospital cash benefit:

o For Sickness: 15 days o For Accidental Benefit: No waiting period

● Hospitalization has to be for minimum of 24 hours● There are no restrictions of panel hospitals throughout the country● An employee can be enrolled in either one of the plan or on both plans likewise

The assured or beneficiary can call EFU Life directly at 111-EFU-111 (111-338-111), email at claims@efulife.com or may contact JS Bank’s helpline 021-111-654-321, CCU.helpdesk@jsbl.com to lodge and initiate the claim(s). EFU Life representative will then guide the beneficiary on claim document requirements and next steps to process the claim. In case of claim regarding hospital cash, the assured may contact our dedicated helpline to initiate or laucnh the hospital cash claims, i.e. 051-8466463

How to Claim?

Yes, there are following things which are additional to be remembered while enrolling the employees, which are:

Are there any more details I need to be aware of?

e. 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 or an industrial dispute.

"All amounts are in PKR"

"All amounts are in PKR"