Shifa Takaful PlanShifa Takaful Plan

Shifa Takaful Plan

Health always comes first.

In life we take many things for granted, health is not one of them.

That is why we bring you Shifa Takaful, a comprehensive Shari’ah compliant health plan for you and your family.

The plan is being offered by IGI Life – Window Takaful Operations and has been exclusively designed for Bank Alfalah customers. It is only available through Bank Alfalah’s branches.

Features and Benefits

Coverage Plan Type
Bronze Silver Gold
Hospitalization (per annum) PKR 150,000 PKR 300,000 PKR 500,000
Additional Coverage (in case of Hospitalization due to Accident) PKR 100,000 PKR 150,000 PKR 250,000
Daily Room and Board Limit Semi Private Semi Private Private
(Investigation, Consultation and Medicines)
Covered for 30 days Covered for 30 days Covered for 30 days
(Investigation, Consultation and Medicines)
Covered up to PKR 8,000 and for 30 days Covered up to PKR 12,000 and for 30 days Covered up to PKR 15,000 and for 30 days
Lacerated Wound and Fractures Covered Covered Covered
Intensive Care Unit Covered Covered Covered
Death due to any cause* PKR 100,000 PKR 100,000 PKR 100,000

Payment Frequency

Age Bronze Silver Gold
From To
0 44 5,700 8,700 9,600
45 59 11,600 17,800 19,300
60 64 16,300 24,500 26,400
65 69 39,000 57,900 62,800
70 75 40,500 63,900 70,000

Above is a breakdown of the contributions within the age bracket that can be made.
*Death Coverage is valid up to 69th Birthday only
you can choose any one of the plan types that best suits your requirement.
Note: For a better understanding in making your selection according to your takaful needs, you may contact representatives at your nearest Bank Alfalah Limited branch.


The plan is available to all Bank Alfalah Limited customers between 18-59 years of age. The plan is renewable up to the age of 75 years.

Term of Plan

Shifa Takaful Plan is a yearly renewable hospitalization plan. The policy term of this plan is 1 year.


Following are the requirements for Claims settlement:

  • Claimant’s Statement to be completed and signed by you : Download the form from the this link
  • Physician’s Statement to be filled by the Physician who treated/attended the deceased : Download the form from the this link
  • Original Union Council Death Certificate which will be returned to you OR copy duly attested by Union Council
  • Copy of hospital death certificate
  • Original Policy Document
  • All previous and current medical treatment record of deceased
  • Copies of CNIC’s of Beneficiary & Deceased
  • Copy of FIR/Police Report duly attested by the issuing authority (In case of accident)
  • Copy of Post Mortem Report duly attested by the issuing authority (In case of accident)

Note: Further requirements can be asked for depending on the case.

Please find below the required details for hospital reimbursement:

  • Health Insurance Claim form to be completed by claimant and Attending /Treating Physician
  • Details of Accident
  • Pharmacy bill with the Physician’s prescription
  • Official receipt for Lab text, X-ray films, and other examinations requested by your Physician’s
  • Attending Physician’s Statement specifying the details of illness/accident and resultant injuries
  • Hospital Bill together with hospitalization papers/Discharge Summary
  • Attested copy of CNIC

Upon receipt of the above documents, we will be able to proceed further with this claim and may ask for additional information, if necessary.
Panel Hospitals List


The product is underwritten by IGI Life- Window Takaful Operations. It is not guaranteed or insured by Bank Alfalah Limited or its affiliates.
Click here for more details – English Click here for more details – Urdu

Apply Now Or you can apply for Shifa Takaful Plan at the branch.