HBL | Uaee | Business | Transaction Employee Banking

The Best Work with The Best

HBL’s Employee Banking Solution is designed for your organization to streamline account opening and digitalize salary disbursement addressing the financial needs of your employees.

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Overview
Key Features
Product Variants
Insurance Plan
Takaful Plan
FAQs

Overview

HBL’s Employee banking offers a seamless and scalable payroll solution, designed to fit diverse organizational needs. Trusted by 3000+ companies and serving over a million employees, our solution ensures hassle free bulk account opening, onsite account activation and debit card delivery, salary digitization, and customized reporting – providing unmatched convenience to employers.

With no need for branch visits, our payroll solution simplifies salary disbursement, enhances efficiency, and empowers businesses with real time insights for better financial management.

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.

Avg Balance Criteria	Benefits
75K – 150K	Hospital Cash PKR 10,000 per day for 10 Days
150K – 300K	Hospital Cash PKR 20,000 per day for 15 Days
300K – 750K	Hospital Cash PKR 20,000 per day for 15 Days Critical Care Lumpsum payment of PKR 500,00
750K and above	Hospital Cash PKR 25,000 per day for 15 Days Critical Care Lumpsum payment of PKR 1000,000

Plan	Eligibility Criteria	Benefit	Limits
Band 1	Maintain Average Balance of PKR 75,000 – PKR 150,000 for consecutive 3 months	Hospital Cash Coverage	PKR 10,000 per day for up to 10 days of Hospitalization (Maximum PKR 100,000)
Band 1		Sehat Kahani (Tele Health Service)	Unlimited

Plan	Eligibility Criteria	Benefit	Limits
Band 2	Maintain Average Balance of PKR 150,000 to PKR 300,000 for consecutive 3 months	Hospital Cash Coverage	PKR 20,000 per day for up to 15 days of Hospitalization (Maximum PKR 300,000)
Band 2		Sehat Kahani (Tele Health Service)	Unlimited

Plan	Eligibility Criteria	Benefit	Limits
Band 3	Maintain Average Balance of PKR 300,000 to PKR 750,000 for consecutive 3 months	Hospital Cash Coverage	PKR 20,000 per day for up to 15 days of Hospitalization (Maximum PKR 300,000)
Band 3		Critical Illness	Lumpsum payment of PKR 500,000 on 13 critical illnesses

Plan	Eligibility Criteria	Benefit	Limits
Band 4	Maintain Average Balance of PKR 750,000 and above for consecutive 3 months	Hospital Cash Coverage	PKR 25,000 per day for up to 15 days of Hospitalization (Maximum PKR 375,000)
Band 4		Critical Illness	Lumpsum payment of PKR 1,000,000 on 13 critical illnesses

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HBL@Work

The Best Work with The Best

Overview

Key Features

FOR EMPLOYERS

Product Variants

HBL @Work Account

HBL @Work Islamic Account

HBL @Work Konnect Account

Insurance Plan

HBL@Work Insurance Plan with Exclusive Health Benefits

Our Exclusive insurance offering includes

Takaful Plan

Product Features

Q. How will I know if I am qualifying for the insurance benefit?

Q. What if my organization already provides health insurance, will I still be eligible for HBL @Work Insurance Plan?

Q. Please confirm if my spouse and children are covered under this Insurance Plan?

Q. In case of hospitalization, am I covered only under the Panel Hospital List of the Insurance Company?

Q. Is child delivery covered under this insurance plan?

Q. In the event of a diagnoses of critical illness, how is the payment made against the insurance amount

Q. In the event of hospitalization, is the payment is made directly to the hospital?

Q. Once I enroll in Sehat Kahani by maintaining the required balance, will I be de-enrolled in case I fail to maintain the required balance and become ineligible.

Q. Will I be eligible for Critical care if I already have a medical history of chronic disease?

Q. Please explain how the re-imbursement of the amount will be made in case of Hospitalization and diagnoses of a disease under critical care?

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