Home Remittance 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

Exclusions

Remittance Assurance	Parental Health Cover	Dental Insurance
Suicide, attempted suicide, self‐destruction or self‐inflicted injury, while sane or insane, or any attempt thereat HIV 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 Cancer Cardiovascular Diseases Renal Diseases/ Dialysis Chronic Liver Disease/ Hepatitis Asthma/ Chronic Obstructive Pulmonary Disease Stroke/ Neurological Diseases Optical/ Dental/ Cosmetic/ Homeopathic Treatments HIV/AIDS Psychotic/ Mental/ Nervous Disorders Arthritis 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.

Documents:

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

Documents:

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: info@tpllife.com or claims@tpllife.com