اپنی پالیسی کا نظم کریں۔

سروائیول بینیفٹ کلیم

اگر آپ کی متوقع انڈومنٹ انشورنس پالیسی نے پالیسی کی 1/3 یا 2/3 مدت مکمل کر لی ہے، تو آپ اپنی پالیسی کی بیمہ کی رقم کے 25فیصدکے برابر رقم نکال سکتے ہیں۔
سروائیول بینیفٹ کی واپسی کے لیے، براہ کرم درج ذیل دستاویزات کے ساتھ ایک تحریری درخواست اپنے سروسنگ اسٹیٹ لائف زونل آفس کو بھیجیں

• اصل پالیسی دستاویز
• قومی شناختی کارڈ کی کاپی
• سروائیول بینیفٹ ڈسچارج واؤچر جوآپ کے بینک سے تصدیق شدہ ہے۔
• اگر آپ کے دستخط سالوں میں بدل گئے ہیں، تو براہ کرم ہمیں اپنے پرانے اور نئے انداز کے تین نمونے دستخط بھیجیں۔

مندرجہ بالا دستاویزات کی وصولی کے فوراً بعد ہم مذکورہ پالیسی کے تحت بقایا فائدہ کے دعوے کے خلاف واجب الادا رقم، اگر کوئی ہے، کی ادائیگی کے لیے کیس پر کارروائی کریں گے۔

انجری کا دعویٰ

اگر آپ کی اسٹیٹ لائف انشورنس پالیسی میں ایکسیڈنٹل ڈیتھ اینڈ انڈیمنٹی بینیفٹ (AIB) کا اضافی کور ہے، اور آپ کو معاہدے میں بیان کردہ انجری ہوئی ہے ، تو آپ 20 دنوں کے اندر انجری کا دعوے کے لیے ہمارے پاس درخواست دے سکتے ہیں ۔ اپنی انجری کا دعویٰ درج کروانے کے لیے براہ کرم انجری سے متعلق ایک تحریری اطلاع بھیجیں جس میں انجری کی تاریخ درج ہو، اپنے سروسنگ اسٹیٹ لائف زونل آفس کو بھیجیں۔
آپ کی طرف سے اطلاع موصول ہونے کے بعد کیس کو مزید دیکھا جائے گا اور ہمارا زونل آفس اس کے مطابق آپ سے رابطہ کرے گا۔

پ کی اسٹیٹ لائف انشورنس پالیسی آپ کی فوری مالی ضروریات کو پورا کرنے کے لیے قرض کی ایک قابل قدر سہولت فراہم کرتی ہے۔ آپ اپنی پالیسی کی خالص سرنڈر ویلیو کے 80فیصد تک قرض حاصل کر سکتے ہیں۔ پالیسی قرضوں پر ہم 12.5  فیصدسالانہ کے حساب سے مارک اپ چارج کرتے ہیں۔ اگر آپ اپنی پالیسی کے تحت قرض حاصل کرنے میں دلچسپی رکھتے ہیں، تو براہ کرم درج ذیل فارم کو پُر کریں:

You had decided to buy insurance policy for the protection of yourself and your loved ones. After surrender, the policy loses all the benefits and facilities and your risk coverage ceases. Hence for the benefit of yours and your loved ones, we suggest you to change your mind of surrendering this policy. If you have some acute financial exigencies, you can meet them by availing loan against your policy. If you have finally decided to surrender your policy, please fill out the form below:

Procedure for Registering a Complaint

Policyholder Or Claimant May Register His / Her Complaint With Respect To His Policy Or Claim In Following Manner For Redressal Of His / Her Grievances.

1)

• a) By submitting a written & signed complaint through by post at address given below:-

  Divisional Head (PHS-PO),

  First floor, PHS Division,

  State life Building No. 9, Dr. Ziauddain Ahmed Road, Karachi-75530.

  Direct number: 021-99202838.

• b) By written application to our Principal's Office Complaint Cell to :-

  Manager (Complaint Cell-PHS, Principal Office),

  Third floor, PHS Division,

  State life Building No. 9, Dr. Ziauddain Ahmed Road, Karachi-75530.

  Direct phone line No. 021-99206868 .

• c) Through email at [email protected]
• d) For Status or General Enquiries :-

  D.G.M, (PHS I&E- Division, PO)

  Direct phone line No. 021-99204526 .

2)

By submitting a written & signed complaint along with photocopy of National Identity Card to Zonal In-charges of PHS department or Zonal Heads. Addresses of all zones are available on the website and rare side of the policy document cover.

3)

By calling at the given numbers of concerned zonal office available here on the website and to the rare side of policy document cover.

Procedure to lodge Death Claim

1. Death intimation, on death of any government employee, the department / employer sends the written death intimation to the Incharge Claims concerned G&P zone alongwith the death certificate.

2. On receiving the death intimation, the department / employer would sent the claim forms 'C' & ' D' by the claim department of the Group & Pension Zone.

3. The Department / employer is required to fill in the claim forms 'C' & 'D', properly sign and stamp them and send them back to the concerned G&P zone, alongwith the following requirements.

• Death certificate, issued by Local Municipal body, Cantonment bodies, Union Councils, Services hospital, Government hospitals, Semi Government hospitals, Railway hospitals and Trust hospitals (any one of the above). In case of tribal areas, the death certificate issued by political agents, Commissioner, Assistant Commissioner, Magistrate Class-I are also acceptable.
• NIC of the deceased and the claimants (attested photocopies).
• Pension book in original for post retirement death (the same would be returned back after verification).
• Attestation: All the photocopies must be attested by the concerned Gazetted officer.

4. The provision of all above requirements would ensure the quick settlement of the claims.

5. Deficiency of any one of the above would result in the delay in the claim settlement.

Commercial Groups

Procedure / requirement for the settlement of Death/Disability Claims

1. Death intimation: The policyholder/employer is required to send the written death intimation, to the Incharge Claims of concerned Group & Pension zone.

2. On receipt of intimation, after necessary checking, the necessary claim forms would be sent to the policyholder/employer by the Claims department of the Group & Pension zone.

3. The policy holder/employer is required to fill in the claim forms, properly sign and stamp them and send them back to the G&P zone along with the following requirements.

For Death claims

Death certificate, issued by the local bodies, cantonment board, services hospitals, government hospitals, semi government hospitals and railway hospital. (Any one of above)

a. For Age proof :

• School/college certificate showing date of birth
• National Identity card
• Valid passport
• Discharge certificate (in respect of ex-defense forces Personnel)
• Certificate of age by the policyholder organization
• Birth certificate issued by local body/cantonment board

(Any one of the above).

Last attending physician's statement.

Post Mortem report and FIR/police investigation report in case of Accidental death benefit.

b. For disability claims:

• Employee's statement.
• Employer's statement.
• Attending Surgeon's statements.
  (Claim forms A, B, and C, respectively).
• X-rays and medical investigation reports etc, if any.

(All the photo copies must be attested by the concerned Gazetted Officer).

The provision of all above requirements would ensure the quick settlement of the claims. Deficiency of any one of the above would result in the delay in the claim settlement.