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Website Banner 28 Digital Banking Goal Based Savings
Product Features
Customizable Goals Bike, Car, Hajj, Umrah, Marriage, Education, Annual Vacation/Trip,Laptop, Mobile, Gaming Console, Home Theatre, Furniture or any Goal of your choice
Goal Amount Rs 5,000 – Rs 3,000,000
Goal Tenure (Duration) 1 Month, 3 Months, 6 Months, 12 Months
Payment Options Daily, Weekly, Fortnightly (every 2 weeks), Monthly
Debit Source Bank Alfalah Account, Alfa Account (Wallet)
Free Insurance 100% free insurance of the remaining goal instalments in case of accidental death or permanent disability
Auto-Debit Auto debit of goal contribuition amount is made mandatory.
Goal Tracker Track the status of your goals, payments made and remaining installments with their Timelines
Manual Top-ups Manually pay your installments for early completing the goal


Claim Form: Download Now

Key Fact Statement: Download Now

Free Goal Insurance

Scope Group-Based Scheme Covers offers coverage in case of Accidental Death Benefit or Permanent Total Disability Benefit due to an accident of any member of Digital Goal-Based Scheme products. 
Benefits

Accidental Death Benefit
If the participant dies as a result of injuries caused solely by violent, external, and accidental means, and there is evidence of a visible contusion or wound on the exterior of the body except in the case of drowning or internal injury revealed by an autopsy and such death occurs within 90 days of the accident solely due to the same injury and not as an indirect result of any fit, physical defect, illness, or disorder, the Company shall, upon receipt and due investigation of the claim, pay the applicable benefit to the designated beneficiary

Accidental Permanent Total Disability Benefit
If the Participant while covered in this policy has sustained injuries caused solely by an accident and within 90 days of the accident suffers the losses. Disability solely as a result of the same injuries, the Company will pay an amount depending on the type of loss as provided in the policy document of benefits of Accidental Disability.
In this product remaining Goal Balance amount of the deceased member shall be paid by EFU Life
Applicable Ages Enrollment Age: 18 to 65 years
Coverage Age: 18 to 66 years
Maximum Coverage Amount Rs 5,00,000
Term This is a monthly cover product and the cover is applicable for 30 days from the time of last instalment paid. Maximum of 12 months cover
Exclusions For Accidental Death Benefit

•   Claim arises due to travelling in war inflicted areas
•    Intentional Self inflicted injury, suicide, participation in any criminal act or violation of law
•    Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of policy duty or travelling in war inflicted areas

For Accidental Disability

  • Intentional Self-inflicted injury, participation in any criminal act or violation of law
  • Failure to seek or follow medical advice, taking of alcohol or drugs
  • Participating in exercises or operations while serving with either of the armed or paramilitary forces or while performing any form of policy duty or travelling in war inflicted areas
Claim process Written notice of claim must be given to EFU Life immediately. All claims will require evidence of claim and proof of age of the insured member. The customer can call EFU Life directly at 111-338-111 or email at claims@efulife.com to lodge the claims from along with the following documents:
  • Copy of death certificate issued by NADRA/ Union Council.
  • Copy of CNIC of claimant and deceased. Claimant’s Statement.
  • Succession of certificate & original guardian-ship certificate (in case the beneficiary is a minor)
  • Attending physicians report, post mortem/FIR.
  • Any other document, which may be deemed necessary by the company.
FAQ’s – Goal Based Scheme

Upon permanent disability or in case of death, remaining amount for the goal up to Rs 500,000 is insured.

All accounts available in Alfa except for credit card, debit card and orbit.

Wallet and Account

With Goal-Based scheme, you can easily save towards your goals. First you set any desirable goal on Alfa for example Car, Bike, Child education, Hajj, Umrah, Vacations etc, then you enter a goal amount which is required to complete your goal, you select the duration to complete the goal and Alfa automatically deducts payments from your account with its Auto debit feature to help you complete the goal. Furthermore, you get free reminders of your payments due. 100% free insurance coverage is also given to customers for their remaining instalments of the goal.

You can create multiple goals and easily track their completion/ remaining instalments and manage them accordingly.

No charges yet.

At least the next instalment amount should be maintained at all times during the goal tenure.

You can deposit money in your wallet account through FT/IBFT, or by depositing money through any Bank Alfalah branch, Easypaisa or Jazzcash agent.

Modified name can be created by selecting Others and max length is 24 characters including space.
At least the amount of the first instalment of the goal should be in the customer’s account for goal creation.
 

 

No limit.

 

Min 5,000 and Max 3,000,000

With auto debit your goal instalment payments are deducted automatically from your account based on your payment details. 

No