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UPaisa Tahaffuz

UPaisa Tahaffuz provides financial benefit in the unfortunate events of insured person’s loss of life or permanent and total disability due to accidents*. UPaisa collaborates with Waada Pakistan to bring this financial security in times of need.

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*Terms and conditions apply.

UPaisa Tahaffuz features

The following plan types are offered:

Annual premium (PKR) Monthly instalment of annual premium (PKR) Maximum Cover amount (PKR)
3,588 299 1,000,000

Upon enrolment, the coverage will start immediately for one year under annual plan and one (1) month under monthly plan as long as coverage is renewed upon payment of applicable premium via insured person’s UPaisa walletor the policy is not terminated in accordance with the provisions stated herein.

How to subscribe to UPaisa Tahaffuz?

You will be contacted by our representative from 021-3319297 or you can call on this number from Monday to Saturday between 8:00 AM to 10:00 PM. Our representative will explain the product details and help you to register for the annual or monthly plan as per your choice. The premium will be automatically deducted from your UPaisawallet.

How to unsubscribe from UPaisa Tahaffuz?

To unsubscribe from UPaisa Tahaffuz, simply call 021-3319297 from Monday to Saturday between 8:00 AM to 10:00 PM and our representative will assist you.

1. Who can avail UPaisa Tahaffuz?

Customers of UPaisa who are Pakistani nationals and aged minimum eighteen (18) years and under sixty-five years (65), spouse aged minimum eighteen (18) and under sixty-five years (65) can avail UPaisa Healthy Family upon payment of applicable premium. Furthermore, each child must be single, economically dependent on parents and must be aged between one (1) and twenty-two (22) years. The registration under UPaisa Healthy Family will expire when an insured person or Spouse reaches the age of sixty-five (65) years or a child reaches the age of twenty-two (22) years. In case of availability of only the year of birth information, January 1 shall be considered the month and day of birth respectively.

2. What are the limits against various coverages?

UPaisa Tahaffuz offers generous limits as stated below:

Covered Loss Percentage of maximum coverage amount
Loss of life 100%
Loss of both hands or amputation at higher sites 100%
Loss of hand and a foot 100%
Double amputation through leg or thigh; or amputation through leg or thigh on one side and loss of other foot 100%
Loss of sights to such an extent as to render the insured person unable to perform any work for which eyesight is essential 100%
Very severe facial disfigurement 100%
Absolute deafness 100%

3. When will cover start and what will be the term of the cover?

a) The coverage will commence immediately upon enrolment in the plan
b) For annual plan, term of the cover will be one (1) year starting from the enrolment date. Term under monthly plans will be for one (1) month starting from the enrolment date. Coverage under annual and monthly plans will renew for future periods provided premium is collected from the customers on applicable due dates or within grace period allowed as long as the coverage is not terminated in accordance with relevant provisions stated herein.

4. How can I claim under UPaisa Tahaffuz?

In case of any insured loss, you or any of your family members can notify us through one of these methods:
1- Call at UPaisa Tahaffuz helpline 021-3319297
2- Call UPaisa helpline 7777 (for Ufone customers only) or 051-111-282-265 (for Ufone and all other customers)
3- Send an email at
Please note that you or your family members must notify a claim within ninety (90) days of occurrence of the insured loss. Failure to do so can affect claim approval.

5. What documents will be required to claim under UPaisa Tahaffuz?

Following documents must be provided within ninety (90) days of the date of occurrence of insured loss through the process explained below:
a) Insured person CNIC
b) Claimant/beneficiary CNIC
c) Heirship certificate to establish claimant title if no beneficiary was designated by the insured person
d) Guardianship certificate if the beneficiary is minor
e) Police FIR

Loss of Life Claims:
a) Death certificate issued by authorized government body
b) Post-mortem report (if available)

Other claims:
Medical record confirming disability and dismemberment

All documents can be submitted in scanned form. However, the insurance company reserves the right to ask for original documents as and when required.

Loss of Life Claims: The claim will be paid to your family member who submits heirship certificate issued by authorized government body. However, if you designated a beneficiary after registration into the product, through verbal instructions at customer services touch points mentioned here, claim will be payable to the beneficiary so designated by you.

Other Claims: The claim will be paid to the insured person. However, if state of health of the insured person is such that he cannot give a valid discharge of claim settlement to the insurance company, additional documents such as heirship certificate may be asked for.

6. When will the claim be paid? How will the claim be paid?

All valid claims will be paid within three (3) working days upon completion of all required documents. Claim will be paid by way of crossed cheque drawn in favour of the claimant, mobile money or any other medium as agreed between parties from time to time.

7. In what circumstances will my claim not be paid?

The claim will not be paid in the event of the following:
a) Suicide, assault, murder, self-destruction or self-inflicted injury, while sane or insane, or any attempt there at; under the influence of contraband drugs/drinks
b) Natural catastrophes, war, declared or undeclared, or any act of war or insurrection, or as a result of a strike, riot, civil commotion
c) The commission or attempted commission of an act that would subject the person to civil or criminal penalties, or the contravention of any law
d) Filing of a fake claim or submission or forged or fake documents or inability to complete all requirements
e) In the event of non-payment of premium on due date or within allowed grace period

8. Under what conditions my subscription under UPaisa Tahaffuz will be terminated?

a) Cessation of UPaisa Tahaffuz by any reason whatsoever
b) The insured person may cancel his insurance for a full refund of annual premium paid within fourteen (14) days of enrolment date by notifying the group policy holder or the insurance company for cancellation, in written or by telephone and provided that no claim has been filed under this policy. No premium refund shall be allowed in the event of any claims is filed under this policy irrespective whether the claim is paid or rejected by the insurance company.
c) In case monthly instalment of annual premium is paid, individual customer can cancel the policy any time in which case future monthly instalments will not be payable however no refund for monthly instalments already paid will be allowed.
d) Insured person’s failure to pay premium on due date or within the grace period of thirty (30) days of due date. Coverage will continue during the said grace period of thirty (30) days and any unpaid premiums will be collected from claim proceeds. The coverage will lapse if premium remains unpaid within grace period. . In case the insured person opted for monthly instalments of annual premium, any unpaid monthly instalments of annual premium will be the first charge from claim proceeds payable under the policy.
e) The insured person’s death or permanent total disablement
f) Upon payment of any claim
g) The insured person ceases to be a UPaisa customer
h) Your decision not to continue with the product and communication of that to us using the customer service touch points
i) Non-payment of premium on due date or within applicable grace period
j) Filing of fake claims or submission of forged documents
k) The insured person attains maximum age allowed under this product

9. Where can I contact in case of questions, enquiries or complaints?

1- Call at UPaisa Tahaffuz helpline 021-3319297
2- Call UPaisa helpline 7777 (for Ufone customers only) or 051-111-282-265 (for Ufone and all other customers)
3- Email at

  • Customers of UPaisa who are Pakistani nationals and aged between eighteen (18) and sixty-five (65) years can avail UPaisa Healthy Aap upon payment of applicable premium
  • Customers must pay insurance premium in advance to be eligible for UPaisa Healthy Aap Plan
  • The product is developed by Waada Pakistan (Private) Limited who are also providing distribution and administrative services under this arrangement
  • The insurance benefit offered under the products will be governed by the terms and conditions contained in the group policy issued by registered insurance companies in Pakistan. The insurance cover provided in the products is underwritten by Asia Insurance Company Limited who will be responsible for payment of valid claims under the insurance benefit after receipt of required claim documents.
  • UPaisa is only facilitating the offer and should not be construed as distributing these products and are not responsible for any benefits promised therein
  • All subscriptions and any benefits payable under the products will be in Pakistani rupees
  • Enrolment in this product means, that customer has authorized UPaisa to share his relevant details available with UPaisa to the parties providing these products
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