The 5th Pillar Family Takaful Saadat Hajj Savings Plan is a Shariah-compliant savings and protection plan that helps individuals fulfill their dream of performing Hajj through disciplined savings and mutual cooperation. It combines ethical investment, financial protection, and facilitation—supporting participants from the moment of intention to their safe return home.
Key Features & Benefits
Dedicated Hajj Savings
Structured savings to help you meet your pilgrimage goal with ease.
Complete Value Chain Support
End-to-end assistance from savings to the completion of Hajj.
Death & Maturity Benefits
Death Benefit: The higher of Sum Covered or Accumulated Cash Value.
Maturity Benefit: Cash Value accumulated over the membership term.
Optional Additional Riders
Enhance your coverage with tailored protection add-ons.
Shariah-Compliant
Savings and protection fully aligned with Islamic principles.
Eligibility & Terms:
|
Attribute |
Details |
| Eligible Age |
18 – 55 years |
|
Minimum & Maximum Plan Term |
5 – 25 years |
|
Maximum Maturity Age |
75 years |
|
Minimum Annual Contribution |
Based on the Age and Takaful benefit of the participant, and it will vary by participant. |
|
Mode of Contribution |
Annual / Semi-Annual / Quarterly / Monthly |
How it Works
- Decide your Hajj savings goal and contribution capacity.
- In case of unforeseen events, your family receives protection benefits.
- Make regular contributions through flexible payment modes.
- Your contributions are invested in a Shariah-compliant fund.
- Upon maturity, the participants shall have the following options:
Withdraw their accrued cash value on the date of maturity or utilize the accrued cash value to Perform Hajj by availing the services of 5th Pillar Travel (Pvt) Limited. - In case of unforeseen events, your family receives protection benefits.
Claim Process
Beneficiaries may contact 5th Pillar Family Takaful Company at 021-111-786-573 | Email: claims@5thpillartakaful.com and provide:
-
Original membership documents.
-
Completed claim intimation form.
-
Medical/treatment records.
-
Death certificate (Hospital & NADRA)
-
Attested CNICs of life assured & claimant.
-
Death intimation with date & cause of death.
For accidental, murder, or suicide-related claims, additional documents such as FIR, medico-legal report, autopsy, and newspaper cutting are required.
Note: Additional documents may be requested depending on the nature of the claim.
Free Look Period
If you cancel within 14 working days of receiving your Participant’s Membership Document (PMD), you are entitled to a full refund of your contribution, less medical/clinical exam expenses.
Disclaimer
The 5th Pillar Family Takaful Saadat Hajj Savings Plan is underwritten by 5th Pillar Family Takaful Limited. It is not guaranteed by Bank Alfalah Limited or its affiliates. Bank Alfalah acts solely as a distributor and does not bear responsibility for claim settlements.