Individual Life Claims

Procedure for Maturity Claims
Procedure for Death Claim
Procedure for Other Claims
Procedure for Loan against Insurance Policy
Procedure for Volunteer Policy Surrender
Procedure for Complaints against Insurance Policy

Group & Pension Claims

Procedure to lodge Death Claim, Group & Pension

Procedure for Maturity Claims

 It is a matter of great pleasure that your policy has matured. It is a time to fulfill the goals that you had set years back. For collecting maturity benefits, please send a written request alongwith following documents to your servicing State Life zonal office:

Immediately on receipt of above documents, we will process the case further for payment of amount due, if any, against maturity claim under above policy.

Procedure for Death Claim

State Life insurance policies provide wide range of benefits in case of death of the persons covered against them. If your loved one covered under any of State Life has expired, you should lodge a death claim with us. All you have to do is to send a written intimation to the zonal office of State Life servicing the policy against which you are lodging a death claim.

We will, after evaluating the case, contact you for other required documents for processing of death claim.

Procedure for Other Claim

Survival Benefit Claim

If your Anticipated Endowment Assurance policy has completed 1/3rd or 2/3rd term of the policy, you can withdraw a sum equal to 25% of the sum insured of your policy.
For withdrawal of Survival Benefit, please send a written request alongwith following documents to your servicing State Life zonal office:

Immediately on receipt of above documents, we will process the case for payment of amount due, if any, against survival benefit claim under above policy.

Injury Claim

If your State Life insurance policy contains an Accidental Death & Indemnity Benefit (AIB) supplementary cover, and you have sustained an injury as specified in the contract, you can apply to us for an injury claim within 20 days of sustaining the accident. For lodging your injury claim, please send a written intimation of the accident mentioning therein the date of accident to your servicing State Life zonal office.
After receipt of intimation from you, the case will be further looked into and our zonal office will contact you accordingly.

Procedure for loan against Insurance Policy

Your State Life insurance policy provides a valuable facility of loan to meet your immediate financial exigencies. You can avail a loan upto 80% of net surrender value of your policy. On policy loans, we charge markup @ of 12.5% per annum compounded semiannually. If you are interested to avail loan under your policy, please fill out the following form:
Click here to download form [ 51 kb]

Procedure for Volunteer Policy Surrender

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:
Click here to download form [ 29kb]

Procedure for Complaints against Insurance Policy

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.

   i)
            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 This email address is being protected from spambots. You need JavaScript enabled to view it. This email address is being protected from spambots. You need JavaScript enabled to view it.  .

            d) For Status or General Enquiries :-

             D.G.M, (PHS I&E- Division, PO)
            Direct phone line No. 021-99204526 .

ii)
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.

iii)
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(Group & Pension)

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.

i. 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.

ii. NIC of the deceased and the claimants (attested photocopies).

iii. Pension book in original for post retirement death (the same would be returned back after verification).

iv. 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

i. 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 :

1.School/college certificate showing date of birth
2.National Identity card
3.Valid passport
4.Discharge certificate (in respect of ex-defense forces Personnel)
5.Certificate of age by the policyholder organization
6.Birth certificate issued by local body/cantonment board
(Any one of the above).

iii. Last attending physician's statement.
iv. Post Mortem report and FIR/police investigation report in case of Accidental death benefit.

b. For disability claims:

i. Employee's statement.
ii. Employer's statement.
iii. Attending Surgeon's statements.
(Claim forms A, B, and C, respectively).
iv. 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.