Life Takaful Cover

Life Takaful Cover

UBL Tezraftaar, ensures your loved ones are taken care of even in your absence.

Send remittance directly to UBL account and get benefit of life protection cover, free of cost. Beneficiary will receive remittances for up to 6 months in the event of remitter’s demise

Remittance Assurance

Beneficiaries will receive amount for up to 6 months in case of remitter’s death equivalent to PKR 80,000 or last remittance amount whichever is lower

Easy Enrollment

To avail this feature, customer needs to send remittance every month directly to UBL Account

Multiple beneficiaries

In case of more than 1 beneficiary (blood relation only), benefit will be paid individually to all of them conditional to receipt of remittance by UBL in the last month.

Parental Health Cover

Comprehensive inpatient hospitalization of PKR 25,000 covers for one parent of the Remitter or Beneficiary

  • Available for parent aged 50 to 70 years

Dental Insurance

Covers a wide range of dental treatments, including prosthesis, accidental emergency treatments, and jaw surgery with limit up to PKR 25,000

  • Braces treatments are fully covered.
  • Available for individuals aged 18 to 60 years

Tele - Health Consultation

Access online consultations with doctors from the comfort of your home.

  • Order medicines, lab tests, and even schedule a physical doctor's visit at home with cash on delivery (CoD)
  • Exclusive Discounts of up to 30% off on medicines and lab tests
  • Tele-health consultations are available for the entire family
  • Get access to a dedicated health manager for personalized health related concerns and support


Remittance Assurance Parental Health Cover Dental Insurance
Suicide, attempted suicide, self‐destruction or self‐inflicted injury, while sane or insane, or any attempt thereat


Any deliberate (proven) self-inflicted injury, murder, assault, assassination, injury sustained through rearm injury participation in any criminal act or violation of law
Pre-existing medical conditions


Cardiovascular Diseases

Renal Diseases/ Dialysis

Chronic Liver Disease/ Hepatitis

Asthma/ Chronic Obstructive Pulmonary Disease

Stroke/ Neurological Diseases

Optical/ Dental/ Cosmetic/ Homeopathic Treatments


Psychotic/ Mental/ Nervous Disorders


Combination of Diabetes and Hypertension

Self-inflicted injury, attempted suicide, abuse of alcohol or drug addiction
Pre-existing conditions are not covered.

Any accidental injury or dental benefits other than covered dental benefits.

Dental implants and cosmetic procedures.

Any Covered Dental benefit that is not diagnosed by a Medical Practitioner who is duly registered by the Pakistan Medical and Dental Counci.

Any Covered Dental expense that the Takaful Membership Holder has been diagnosed with within the Waiting Period.

Claim Process

For Remittance Assurance reimbursement

Beneficiary needs to make a claim under this feature on the demise of remitter due to Natural &/or Accidental which falls under the scope of offered financial assistance.


  • Claim form duly filled and signed by the Beneficiary/ Nominee
  • Death certificate by hospital and NADRA
  • FIR (Police report) for all Accidental death claim cases
  • Any other documents as required by the company

For Parental & Dental Insurance reimbursement

For reimbursement of utilized medical facility, beneficiary need to submit following documents at provided contact details


  • Claim form
  • Discharge summary
  • Medical bills for In-patient and Dental Treatments

For availing the assistance, beneficiary is required to immediately notify TPL Life within 48 hours on the contact details given below:

TPL Life Insurance Limited
19-B SMCHS, Karachi 74900, Pakistan
UAN #: 021 – 111 – 000 – 330
Email: or