HBL | Uae | Business | Transaction Employee Banking

Overview
Key Features
Product Variants
Insurance Plan
Takaful Plan
FAQs

Overview

HBL@Work is a customizable employee banking solution designed to streamline salary and pension disbursals for organizations and address the financial needs of their employees. It is suitable for small businesses and well as large conglomerates. Hassle free bulk account opening, onsite account activation with debit card delivery, salary digitization and customized reporting provide unmatched convenience for employers. Different account types are available with a host of features to cater to the financial needs of diverse customer segments including those following the Shariah compliant Islamic system.

Key Features

FOR EMPLOYERS

Seamless transition to HBL@Work through bulk account opening process.
Smooth salary/pension disbursal –payments through online portal.
Customized payroll solution available for Chinese nationals.
On-site welcome pack delivery and account activation.
Dedicated Client Relationship Manager, Implementation Team and Service Desk

FOR EMPLOYEES

Hassle-free account opening and activation with no need to visit the branch.
Minimum documentary requirement.
No minimum balance and no initial deposit required.
Language barrier removed for Chinese nationals.
Access to Retail and Consumer banking products.
Free account services (deposits, withdrawals, SMS alerts, internet and mobile banking).
Service requests can be processed at any HBL branch nationwide.

Product Variants

HBL@Work Conventional Account

Premium and Basic Banking Account option available based on salary bracket.
Available in PKR and USD (for foreign nationals and senior management).
Chinese variant – developed to remove the language barrier for Chinese workers in Pakistan.
Pay Continuation Plan for HBL@work customers

HBL@Work Islamic Account

Premium and Basic Banking Account available based on salary bracket.
HBL@Work Islamic Premium account is based on the Islamic concept of Mudaraba.
HBL@Work Islamic Basic Banking account is based on the Islamic concept of Qard.

HBL@Work Pension Account

This product is aimed to help organizations structure their pension portfolios and disbursal processes.
Different account types available for Government and Private pensioners.
Debit Cards provided to help pensioners access their funds easily.

HBL@Work Konnect

This product is targeted at increasing the financial inclusion of the lower income segment by facilitating salary account opening via HBL Konnect.
Minimal KYC requirements make account opening easier for employers.
Mobile Wallets with Debit Cards enable customers to perform transactions through our expansive network of Konnect agents (51,000+ and HBL ATMs (2,000+)

Insurance Plan

Covering benefits shaped by your needs

Free Insurance Plan for HBL @Work Customers

HBL @Work customers maintaining their conventional current accounts with HBL are now offered a comprehensive insurance plan customized to their needs, which covers hospital cash coverage, Sehat Kahani (telehealth service), and critical illness.

Product Features

Below is the eligibility criteria and summary of the four insurance plans offered to the employees:

Band 1

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 75,000 – PKR 150,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the Insured’s hospital confinement. The amount will vary based on the nature of the hospitalization.	PKR 10,000 per day for up to 10 days of hospitalization (Maximum PKR 100,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website	Unlimited

Band 2

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 150,000 to PKR 300,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the Insured’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 20,000 per day for up to 15 days of hospitalization (Maximum PKR 300,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited

Band 3

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 300,000 to PKR 750,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the Insured’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 20,000 per day for up to 15 days of hospitalization (Maximum PKR 300,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited
	Critical Illness Covers the Insured in the event of a diagnosis of major critical illnesses specified in the policy.	Lumpsum payment of PKR 500,000 on 13 critical illnesses

Band 4

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 750,000 and above for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the Insured’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 25,000 per day for up to 15 days of hospitalization (Maximum PKR 375,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited
	Critical Illness Covers the Insured in the event of a diagnosis of major critical illnesses specified in the policy.	Lumpsum payment of PKR 1,000,000 on 13 critical illnesses

Takaful Plan

Covering benefits shaped by your needs

Free Takaful Plan for HBL @Work Customers

HBL @Work Islamic Customers maintaining their Islamic accounts with HBL are now offered a comprehensive takaful Band customized to their needs, covering hospital cash coverage, Sehat Kahani (telehealth service), and critical illness.

Product Features

Below are the eligibility criteria and a summary of the four Takaful Bands offered to the employees:

Band 1

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 75,000 – PKR 150,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the employee’s hospital confinement. The amount will vary based on the nature of the hospitalization.	PKR 10,000 per day for up to 10 days of Hospitalization (Maximum PKR 100,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website	Unlimited

Band 2

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 150,000 to PKR 300,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the employee’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 20,000 per day for up to 15 days of Hospitalization (Maximum PKR 300,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited

Band 3

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 300,000 to PKR 750,000 for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the employee’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 20,000 per day for up to 15 days of Hospitalization (Maximum PKR 300,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited
	Critical Illness Covers the employee in the event of a diagnosis of major critical illnesses specified in the policy.	Lumpsum payment of PKR 500,000 on 13 critical illnesses

Band 4

Eligibility Criteria	Benefit	Limits
Maintain Average Balance of PKR 750,000 and above for consecutive 3 months	Hospital Cash Coverage Pays a daily benefit for the duration of the employee’s hospital confinement. The amount will vary based on the nature of the hospitalization	PKR 25,000 per day for up to 15 days of Hospitalization (Maximum PKR 375,000)
	Sehat Kahani (Tele Health Service) Audio or video consultations with a General Physician and Specialist Doctor are available through Sehat Kahani’s mobile application/website.	Unlimited
	Critical Illness Covers the employee in the event of a diagnosis of major critical illnesses specified in the policy.	Lumpsum payment of PKR 1,000,000 on 13 critical illnesses

*For more details, please refer to Terms and Conditions in the important documents Click here

Q. How can I ensure that I am covered under the insurance policy?

You must comply with the Terms and Conditions to have the full protection under your POLICY.

Q. How will I know if I have become eligible for insurance benefit?

You will receive SMS from HBL once you become eligible for the insurance benefit.

Q. What procedure shall I follow to process the claim?

In case of hospitalization, the Insured Person must report the incident within Thirty (30) days of the hospitalization either to HBL at 111-111-425 or to JGI at 111-654-111 Ext: 2533 - 2534, or email: bancassurance@jubileegeneral.com.pk.

FOR Hospital Cash related claims JGI will get in touch with customer and acquire relevant documents for claim assessment:

Claim form / Notification in writing.
Discharge summary/prescriptions
Itemized hospital bill /Payment receipts
Copy CNIC of the Insured Person.
Any other relevant document if required for investigation

Q. What if I fail to submit the required documents?

In case the employee fails to submit the required documents, JGI will send TWO reminders, with in TWO subsequent weeks after to the customer. Upon third reminder JGI will escalate it to HBL for intervention. In case, customer still fails to full fill the requirement JGI will close the claim and take acknowledgment from HBL on the decision within 7 working days of third reminder

Q. Shall I receive the acknowledgment of my claim? What will be the timeline?

The final decision with respect to the claim shall positively be communicated to the Customer directly within three (03) weeks from receipt of all the required documents for processing of the claim – by JGI. Thereafter, the claim will be settled in 48 hours via cheque to the customer directly.

Q. What is the timeline of filing a claim?

Written notice of a claim in respect of this policy must be received within Thirty (30) days of the commencement of confinement in the Hospital

Q. What is the process I need to adhere to after filing the claim?

Upon receipt of a claim, JGI will furnish the employee with the claim form required to be filled by the claimant, providing the following information as required by the company:

Discharge summary
Prescriptions, payment receipts
Itemized hospital bill
CNIC Copy
Evidence that the patient was insured under the product during the period of hospitalization via the subject bank (the bank shall furnish this)
Any other relevant supporting documents, where applicable, etc.

To process and settle the claim, the employee shall complete and return the claim form to the Company without any delay upon receipt.

Q. How can I access to Sehat Kahani

Employees can access the Sehat Kahani (Corporate) app by following these steps:

Download the App: Visit the Play Store or App Store to download the Sehat Kahani (Corporate) app.
Sign Up: Open the app and sign up by selecting the HBL@Work/HAW Head option provided.
Enter Details: Complete the registration by entering your required details.
Enjoy Telehealth Services: Once registered, you can enjoy free access to telehealth services.

Q. What are the critical illnesses covered in the policy?

The covered normal day diseases include the following. For details, including exclusions, please refer to T&Cs:

Cancer
Coronary Artery Bypass Surgery
Heart Attack (Myocardial infarction)
Stroke
Renal / Kidney Failure
Major Organ Transplant
Paralysis
Dementia Including Alzheimer’s disease/Irreversible Organic Degenerative Brain Disorders
Aorta Surgery
Benign Brain Tumor
Brain Surgery
COMA
Heart Valve Surgery

Current

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HBL@Work

A customizable employee banking solution

Overview

Key Features

FOR EMPLOYERS

FOR EMPLOYEES

Product Variants

HBL@Work Conventional Account

HBL@Work Islamic Account

HBL@Work Pension Account

HBL@Work Konnect

Insurance Plan

Covering benefits shaped by your needs

Product Features

Takaful Plan

Covering benefits shaped by your needs

Product Features

Q. How can I ensure that I am covered under the insurance policy?

Q. How will I know if I have become eligible for insurance benefit?

Q. What procedure shall I follow to process the claim?

Q. What if I fail to submit the required documents?

Q. Shall I receive the acknowledgment of my claim? What will be the timeline?

Q. What is the timeline of filing a claim?

Q. What is the process I need to adhere to after filing the claim?

Q. How can I access to Sehat Kahani

Q. What are the critical illnesses covered in the policy?

important documents