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

​In case of theft, snatching or robbery during the withdrawal of cash from an ATM, you must report the incident within 72 hours to either HBL at 111-111-425 or to JGI, at 111-654-111 Ext: 2535 / 2534 or email: bancassurance@jubileegeneral.com.pk.

You are required to follow the procedure mentioned below:

• In case of loss of cash withdrawn and loss of valuables, event you must inform to JGI as soon as practicable but not later than 72 hours. In case of accidental death or permanent disability, your legal heirs must inform within 31 days.
• In case of theft or robbery, immediately notify the appropriate Police authority within 72 hours and obtain a Crime reference number and FIR. (Mandatory FIR requirement for loss of cash/wallet/mobile claim worth Rs. 10,000 and above. For claims worth below Rs. 10,000 mandatory Roznamcha submission will suffice).
• Immediately notify HBL about the HBL ATM Card snatched from your possession at the time of the event Insured under this POLICY.
• Complete the claim form FULLY which shall be provided to You by the Surveyors /HBL and return it to the Surveyors along with the complete documentation/Proofs in accordance with their instructions and in any event within 15 days of the Insured Event together with supporting documentation.

The required documents are:

• Notification in writing;
• Completed claim form;
• A copy of FIR in case of claim above PKR 10,000 or a written application to the concerned police station with copy of daily diary (roznamcha) of concerned police station, in respect of the loss;
• Copy of the latest bank statement verifying the cash transaction from HBL account
• Copy CNIC of the Insured Person
• Purchase Invoice / Box for valuables for evidence and validation of valuable held and its price

In case of Accidental Death, the documents required in addition to those specified above are as follows:

• Death certificate issued by a doctor or a hospital, as the case may be;
• Death certificate issued by the concerned municipal authority;
• Succession certificate (before the payment of the claim amount);
• Confirmation from NADRA for cancellation of CNIC
• Other documents (if any) to support the claim.

Yes, JGI shall acknowledge receipt of a complaint or claim within two (02) working days of the receipt of complaint/ claim.​

​All queries and/or questions with regard to the claim shall be raised by JGI, either with HBL or the Customer directly, within seven (07) working days of receipt of the complaint/ claim.

The final decision with respect to the claim shall positively be communicated by JGI to Customer within three (03) weeks’ span from receipt of all the required documents for processing of the claim.​

The claim form is available on HBL Website​

In case you are eligible for Option 1, you will be covered for PKR 25,000, subject to a maximum of two (02) incidents per HBL’s Employee Banking Account during a twelve (12)-month period. In case if you are eligible for Option 2, you will be covered for PKR 75,000 subject to multiple incidents per HBL’s Employee Banking Account during a twelve (12)-month period.​

​In case of the loss of cash directly because of robbery, armed hold-up and/or forced snatching of money, you are covered within the Prescribed Time of 1 hour from withdrawal and radius of 1.5 Km from ATM (whichever comes first)

Yes, you are covered against the loss of Cash withdrawal(s) using Your ATM Card at an ATM of any scheduled bank and/or the HBL Bank’s kiosks across Pakistan up to the prescribed limit.​

No, your cash/ personal money is not covered. Only the cash withdrawn by You using Your ATM Card at an ATM or using Your Cheque at any branch of the Bank is covered.​

​No, cash withdrawals made by any person other than you is not covered.

Wallet Insurance includes Wallet itself, non-Cash contents such as reissuance of ID, Watch, Jewellery, Mobile and Keys up to the prescribed limit​

​Insurance Coverage of loss of wallet is only applicable for the customers who meet the eligibility requirement of Options 2. Loss up to PKR 40,000 per occurrence and in annual aggregate will be covered.

For getting the information about the insurance events which are not covered, you may refer to the section of “Exclusions” given in the Terms & Conditions.​

​To be eligible for the insurance benefits, you have to maintain required account balance for 2 consecutive months. In case, if your balance falls below, you will not be eligible for the insurance benefit.

​No, any finding of JGI, with respect to the claim, shall be final and conclusive, which cannot be challenged or questioned by you or your legal heirs, in any manner, whatsoever

No, HBL does not have the responsibility and liability with respect to the processing of or decision regarding the same. All disputes in relation thereto must be initiated​