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Complaints in
respect of Insurance Policy
EFUStudent
TRAVEL INSURANCE If you have any complaint or grievance against the insurance
company, broker, agent, surveyor or bank representative in
respect of your insurance policy, you may file your complaint
with the following offices:

(1) FEDERAL INSURANCE OMBUDSMAN

2nd Floor, Pakistan Red Crescent Society Annexe Building,
Plot # 197/5, Dr. Doud Pota Road, Karachi.
Phone: 021-99207761-62. Website: www.fio.gov.pk/

(2) Official Coordinator, Small Disputes Resolution

Committee (Islamabad)
The Management Executive, Insurance Division, 3rd Floor,
NIC Building, 63-Jinnah Avenue, Blue Area, Islamabad.
Phone: 051-9207091-4 ext 439.
Email: complaints@secp.gov.pk

(3) Official Coordinator, Small Disputes Resolution

Committee (Karachi)
The Deputy Director, Specialized Companies Division, 5th
Floor, State Life Building No. 2, Wallace Road, Off. I.I. Chundrigar
Road, Karachi. Phone: 021-32414204. Email:
complaints@secp.gov.pk

(4) Official Coordinator, Small Disputes Resolution Focus on studies

Committee (Lahore)
The Deputy Registrar of Companies, Company Registration
...without worries
Office Lahore, Associate House, 3rd & 4th Floor, 7-Egerton
Road, Lahore. Phone: 042-99204962-66 ext: 28.
Email: complaints@secp.gov.pk

Why
Student Travel
Insurance?
Because
EFU General:
n Is the most experienced insurer
in Pakistan.
n Provides the best Insurance plans
to cater to your needs.
n Has specialized Student Travel
Insurance Products.
E FU GENERAL INSURANCE LTD. Student Travel Insurance
n Offers the most attractive
benefits package-covers your EFU House, M.A. Jinnah Road, Karachi-74000 to meet all your needs.
stay, tuition and travel. Pakistan. Phone: 32313471-90, 32200531-20
n Student Travel Insurance costs 32200581-20, 32331600-20 Direct Settlement
much less then similar insurance
cover purchased abroad.
Ext. 111, 181 & 474. Fax: 32311252 of claims abroad.
E-mail: travelcare@efuinsurance.com
n Offers 24/7 Assistance. EFU TRAVEL INSURANCE your insurance company URL: www.efuinsurance.com 24/ 7 Assistance.
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EFU Student Travel Insurance

Schedule of Benefits & Limitations
Sr Product Plans (Limits in USD)
No. Benefits
Smart Genius Expert
1 Emergency Medical Expenses for Sickness & 10,000 25,000 50,000
Hospitalization Abroad (excess USD 50) (excess USD 100) (excess USD 125)
2 Travel & Stay over of one Immediate Family Member 5,000 5,000 5,000
3 Repatriation of Mortal Remains Actual Actual Actual
4 Travel Assistance Actual Actual Actual
5 Loss of passport 300 300 300
6 Loss of In-Flight Checked in Baggage 500 500 500
7 Location and Forwarding of lost baggage and Personal Effects Actual Actual Actual
8 24 Hours Personal Accident 7,500 10,000 15,000

8 (a) Accidental Death 100% of the Principal 100% of the Principal 100% of the Principal
Sum Insured Sum Insured Sum Insured
% of Principal Sum % of Principal Sum % of Principal Sum
8 (b) Permanent Disability
as per Injury Table as per Injury Table as per Injury Table
9 Tuition Fee 7,500 10,000 20,000

EFU Student Travel Insurance

Why Schedule of Premium in Pak Rupees
Travel Assistance Student Cover (With Tuition Fee Benefit)
Student Travel Product Plans (PKR / Student)
Insurance? Tenure
Smart Genius Expert
Because when you 6 Months 9,750 12,800 19,600
go abroad for study:
12 Months 15,000 19,700 30,200
n You are exposed to unfamiliar
environment during your study
abroad.
Travel Assistance Student Cover (Without Tuition Fee Benefit)
n You are exposed to risk specific Product Plans (PKR / Student)
to travel which can be more Tenure
vulnerable if not addressed Smart Genius Expert
immediately.
6 Months 8,350 11,000 16,700
n Sickness and emergencies can 12 Months 12,250 16,000 24,500
be more serious and costly.
NOTE: The above premiums are inclusive of currently applicable govt. taxes / levies and these are Federal Insurance Fee 1%,
n You need protection from Sales Tax on Service 16%, Stamp Duty PKR 20 with an Administrative Surcharge of 5% with the maximum of PKR 3,000. In case
unforeseen incident. of any change in these taxes it shall affect the premium to be charged accordingly.