Every policy provides transparent capital allocation with tailored premium intervals designed around your household cash flows.
Child Education Fund
Guaranteed Pension Scheme
Term Life Protection
Accumulate inflation-hedged funding for higher secondary and overseas university degrees with built-in parental waiver-of-premium riders.
Convert peak earning years into structured monthly retirement disbursements designed to counteract local rupee inflationary pressures.
High-sum coverage providing immediate liquid financial support to dependents in the unforeseen loss of the primary breadwinner.
EFU Hemayah operates under strict oversight of reputable Islamic scholars, providing mutual financial solidarity without ethical compromise.
All participant membership funds remain sequestered in Shariah-compliant asset pools audited semi-annually.
Medical and supplementary income riders
Critical Illness Coverage
Lump-sum disbursements upon formal diagnosis of twenty-one specified major conditions, safeguarding family savings from specialized private hospital expenses across Pakistan.
Hospital Cash Benefit
Fixed daily cash stipends provided during overnight hospital confinement to offset ancillary domestic costs and temporary lost occupational wages.
Receive tailored policy schedules and fund performance illustrations.