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Life at Pak-Qatar

Our Key Business Functions


This function serves as the core of our business and deals with areas of Takaful policy making, policy implementation processes, claim processing, underwriting, new member assessments, medical examinations, systems maintenance and customer assistance. The operations department depends on qualified and experienced industry professionals for its continued growth and success.

Customer assistance is a major area covered by our operations department. All information required by customers related to the policies they have purchased is disseminated by operations. Changes to policies, updates, deletions (servicing) are all carried out here.

Finance and Accounts

Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful. Managing money (a liquid asset) is essential to ensure business success, both for individuals and organizations.

Our finance and accounts section is of immense significance to the organization and manages the funds entrusted to us. Core areas of this crucial function include contribution management, investment/fund management, asset management, payment processing, ensuring regulatory compliance, tax management, payroll processing and financial audits.

Training and Shariah Compliance

Training in an organizational context is the field concerned with activity aimed at bettering the performance of individuals and groups in organizational settings. All organizations rely on qualified, competent and appropriately trained individuals for continued success. Being a services firm, this fact cannot be overstated. PQFTL attaches great importance to the training and development of its staff. In a growing industry where technically qualified individuals are hard to find and where the presence of the appropriate mindset is crucial, training serves to bring our workforce up the standards of service expected from top organizations in our industry. Our training department works very closely with our frontline sales staff to ensure our points of customer contact are appropriately managed. Training encompasses skills in three realms: soft skills, product/process knowledge and technical skills training.

Being a Shariah compliant firm, we strive to ensure adherence to its dictates in everything we do. Our Shariah compliance function aims to identify and address issues related to Shariah compliance and ensure new product and process development rely on Shariah principles from the beginning. Shariah audits are also carried out periodically.

Marketing & Corporate Communication

The Marketing & Corporate Communication Department has been entrusted with the responsibility of handling the company’s most valuable asset – its image. The Marketing & Corporate Communication Department serves as the face of the company and is responsible for communicating with and responding to queries and concerns raised by its valuable clients, as well as building the image of Pak-Qatar Family & General Takaful Limited Company as reliable and trustworthy Takaful operator Company in Pakistan.

The core activities undertaken by the Marketing Department are:

  • Conducting marketing and promotional activities (image building/branding)
  • Making arrangements for events/seminars/presentations/summits/conferences
  • Publications of Pak-Qatar Takaful Group Annual Reports, brochures and other publicity material
  • Handling print and electronic media pertaining to company’s news items/advertisements/interviews/press releases
  • Website management
Sales (Consumer and Corporate)

Our Consumer and Corporate Sales departments serve as our frontline divisions directly interacting with our customers. While the consumer department sells our products to individuals, the corporate side sells takaful products to organizations. Both departments are based in Karachi but maintain presence in all major cities of Pakistan.