UTahafuz subscription is simple. Enter your number in the box below and you will be contacted by our representative from this number 021-33129298 & 021-33129288. The representative will explain the product details with you and walk you through the registration process.
Once registered with the plan of customer’s choosing, the daily subscription fee will be automatically deducted from the mobile balance.

To unsubscribe UTahafuz, dial *6070#, go to option 4, ‘Customer Support’ and select ‘Un-Subscription’. Once successful, customer will be notified through SMS.

• The UTahafuz products are available to all Ufone customers upon payment of prescribed subscription fee
• Customers must pay subscription fees to be eligible to avail UTahafuz protection plans
• The products are developed by MicroEnsure Pakistan (Private) Limited who is also providing distribution and administrative services under this arrangement
• The insurance benefit offered under UTahafuz plans 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 Habib Insurance Company Limited who will be responsible for payment of valid claims under the insurance benefit
• Ufone is only facilitating the offer and should not be construed as distributing these products and is not responsible for any benefits promised therein
• By subscribing, a customer authorizes Ufone to share his/her details available with Ufone to the parties providing these products. The subscriber agrees and acknowledges that he or his legal heirs shall not hold Ufone responsible for any consequences of sharing such information.
• The terms of the products including subscription fee can be amended or the products can be withdrawn by the supplier parties at any time and in such an event subscribers shall be informed through an SMS or any other manner as agreed between the parties
• All subscribers shall be informed through an SMS or any other manner as agreed between the parties

In case of any insured loss, you or any of your family members can notify through one of these methods. Call UTahafuz helpline 021-111-992-232
Please note that you or your family members must notify a claim within ninety (90) days of occurrence of the insured loss and failure to do so can affect claim approval.

In case of any insured loss, claimant can notify through one of these methods.
1. Call MicroEnsure helpline 021-111-992-232.
2. Call Ufone helpline 333
3. Send an email at claims@waada.pk
Claim notification must be submitted within ninety (90) days of occurrence of the insured loss and failure to do so can affect claim approval.

Who can avail UTahafuz?
Subscribers of Ufone who are Pakistani nationals and aged minimum eighteen (18) years can avail UTahafuz upon payment of applicable subscription fee. There is no maximum age limit for registering under UTahafuz.
What are the limits against various coverages?
UTahafuz offers generous limits as stated below:

What if my airtime balance is insufficient to pay for full month’s subscription fee?
We have taken care of that scenario and in such case, you will be offered prorated benefit as per the following formula under daily recursive charging:
Total daily subscriptions collected during one calendar month X maximum benefit
Total daily subscription due during one calendar month can understand using this simple formula with the help of an example:
Suppose you have selected Platinum package where daily subscription fee is PKR 7.5+tax. In order to avail maximum benefit of PKR 1,100,000, you have to pay PKR 225+tax during the calendar month. Now assume that you could pay only PKR 75+tax during a calendar month, your coverage will be PKR 366,666 as explained below:
(75 + tax) x 1,100,000 = 366,666
(225 + tax)
Under monthly non-recursive charging you must pay full subscription fee to receive cover.
How can I avail UTahafuz?
The process is very simple. You will get a call from our representative who will tell you about the product features and will assist in registration process. Once your registration is activated on Ufone systems, the charging will start and your coverage will be active. Rest assured, you will be getting SMS notifications at each step.
When will cover start and what will be the term of the cover?
In daily recursive charging, benefit amount will be calculated on the basis of subscription fee collected from you in a calendar month and cover will start from first day of the following calendar month.
In monthly non-recursive charging, you will have to pay full subscription fee in lump sum and your coverage will commence upon payment.
How can I claim under UTahafuz?
In case of any insured loss, you or any of your family members can notify us through one of these methods:
1- Call at UTahafuz helpline 021-111-992-232.
2- Call Ufone helpline 333
3- Send an email at claims@waada.pk
Please note that you or your family members must notify a claim within ninety (90) days of occurrence of the insured loss and failure to do so can affect claim approval.
What documents will be required to claim under UTahafuz?
Following documents must be provided within ninety (90) days of the date of occurrence of insured loss through the process explained below:
All Claims types:
a) Insured subscriber CNIC
b) Claimant/beneficiary CNIC
c) Heirship certificate to establish claimant title if no beneficiary was designated by the insured subscriber
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 document as and when required.
Who will be paid the Claim?
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 subscriber. However, if state of health of the insured subscriber is such that he/she cannot give a valid discharge of claim settlement to the insurance company, additional documents such as heirship certificate or guardianship certificate may be asked for.
When will the claim be paid? How will the claim be paid?
All valid claims will be paid within five (5) working days upon completion of all required documents. Claim will be paid by issuing a crossed cheque drawn in favor of the claimant, mobile money or any other medium as agreed between parties from time to time.
In what circumstances my claim will not be paid?
The claim will not be paid in the event of the following:
a) Suicide, 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 which would subject the person to civil or criminal penalties, or the contravention of any law
d) Filing of a fake claim
e) In the event of non-payment of premium and non-availability of cover in the month when the loss has occurred
Under what conditions my subscription under UTahafuz will be terminated?
a) Cessation of UTahafuz by any reason whatsoever
b) Upon payment of any claim
c) Insured subscriber ceases to be a Ufone subscriber
d) Your decision not to continue with the product and communication of that to us using the customer service touch points
e) Continuous non-payment of subscription fee
f) Filing of fake claims
Where can I contact in case of questions, enquiries or complaints?
1- Call at UTahafuz helpline 021-111-992-232.
2- Call Ufone helpline 333
3- Send an email at claims@waada.pk
I have multiple SIMs of Ufone, can I avail more than one UTahafuz subscriptions?
No, only one subscription is allowed per CNIC.