UBL Ameen Esaar Account (AEA) is not just an account but an opportunity to contribute for betterment of society. When you open this account and keep 250,000/- minimum balance in account, the Bank allocates Rs 5/- on daily basis and contributes it for the following:

• To help/support the needy for education via collaboration with The Citizen Foundation
• To help/support the needy for Health and Medical treatment via Indus Hospital & Child Life
• To help/support the needy for arranging Employment via Akhuwat

No deductions will be made from your account for these donation contributions by UBL Ameen (Islamic Banking).

As soon as you open UBL Ameen Esaar Account with the Bank, you will become eligible for the following:

• Bank Sponsored Takaful Coverage for securing risk of Income Loss due to Death or Accidental Total Permanent Disability, subject to minimum balance.
• Bank Sponsored Takaful Coverage for Hospitalization and Reimbursement for the treatment and accidental injuries, subject to minimum balance.
• Bank Sponsored Online Nazra/Tajweed-e-Quran Course from Faizan Online Academy and Jamia Binnori Academy.
• Free Cheque Book and Debit Card to fulfill the transactional needs.

Your family is covered for following financial expenses upto PKR 75,000/- monthly for the period of one (1) year in case of unfortunate event i.e. Death or Accidental Permanent Total Disability.

You are covered for daily cash benefits in case of hospitalization (General/ICU) and reimbursement for the treatment of accidental injuries without the condition of getting admitted into the hospital.

Also, this coverage provides you Telehealth Facility (Hello Doctor)* where you will register yourself on the App and avail online consultancy to get yourself healthy and take precautions to avoid consequences of unfortunate and deadly disease.

*The accountholder needs to maintain minimum PKR 100,000 monthly average balance to be eligible for above takaful coverage.

Your family can avail free of cost Nazra/Tajweed-e-Quran learning through renown online academies against your UBL Ameen Esaar Account. The reputable academies on Bank’s panel for this facilitation.

• Faizan Online Academy
• Jamia Binoria Online Academy

• Free Debit Card
• Free Cheque Book
• Free Cashier’s Cheque (Issuance/Cancelation/Duplicate)
• Free Inter Branch Online Transactions – Country Wide

All service charges will be levied as per prevailing UBL Ameen Schedule of Charges.

Zakat & withholding tax will be applicable as per government rules.

• Pre-existing condition which includes disease and incapacity or bodily injury which existed prior to this coverage.
• Suicide and attempt to suicide, murder, self-inflicted injury and illegal act of the covered member.
• Participating in exercises or operations while serving with of the armed or paramilitary forces or while performing any form of police duty.

In case of unfortunate event, the customer or the nominated beneficiary (next of kin: blood relative) shall directly contact to Takaful Company at the following address and submit claim form:

• Claims Helpline: 051-8466-466
• UAN: (021) 111-EFU-HEM (021-111-338-436)
• Email: gbd@efuhemayahtakafil.com and claims@efuhemayahtakafil.com
• Address: Plot No. 112, 8th East Street, Phase I, DHA, Karachi, Pakistan

• Customers age 65 & above are excluded from this policy.
• Customers with dormant accounts (Inactive for 12 months) are not eligible for takaful coverage.
• Account monthly average balances less then Rs. 100,000/- are not covered in this policy.
• Accidental Death/Disability reported after 90 days of the occurrence of the accident will be excluded.
• The policy is non-transferable and non-saleable.
• Closure of the account, where the reason is other than the death of the account holder, will result in automatic cancellation of the policy cover.
• Policy coverage shall come into effect immediately at the time of account opening by the customer as per eligibility.
• The customer or nominated beneficiary will also submit further documents as demanded/required by Takaful Company.
• In case of joint account, the primary accountholder is eligible for claims and benefits.
• In case of hospitalization, EFU Life-WTO will pay the daily benefit to customers if he/she is inpatient within the hospital for at least 24 consecutive hours under the continuous attendance of a Physician.
• 180 nights will be covered in a year for hospitalization daily benefits.

The Bank shall not be liable for any action or lack therefore on the part of the third party. The customer hereby indemnifies and holds harmless the Bank against any loss, liability or damage arising from utilization of services of a third party whether if the same were referred to the customer by the Bank or not. The customer shall at all times exercise his good judgement and conduct their own due diligence prior to utilization any services recommended by the Bank or offered by a third party on behalf of the Bank.

• Shariah Certificate - UBL Ameen Esaar Account

UBL Ameen Esaar Account is not just an account but an opportunity to contribute for betterment of society. When you open AEA and keep prescribed minimum balance Rs. 250,000 in your account, the Bank allocates Rs. 5/- and contributes it for the following:

• To help/support the needy for education via collaboration with The Citizen Foundation
• To help/support the needy for Health and Medical treatment via Indus Hospital and Child Life
• To help/support the needy for arranging Employment via Akhuwat

No deductions will be made from your account for these contributions by UBL Ameen (Islamic Banking).

As soon as you open AEA with the bank, you become eligible for the following:

• Bank Sponsored Takaful plan for securing risk of Income loss due to Death or Accidental /permanent (Subject to minimum Balance)
• Bank Sponsored Takaful plan for Hospitalization and Reimbursement for the treatment of accidental injuries (Subject to minimum Balance)
• Bank Sponsored online Tajweed-e-Quran Course from Faizan Online & Jamia Binnori
• Free Cheque book & Debit Card to fulfill the transactional needs.

UBL Ameen Current accounts are based on the concept of “Qard”. However, UBL Ameen Saving accounts are based on Shariah Compliant mode of “Mudarabah”, where the depositor is “Rab-ul-Maal” and Bank acts as “Mudarib”.

All individuals (Single or Joint) with valid identity document CNIC/SNIC/NICOP/ACR/POC can open this account.

The account can be opened with minimum deposit of PKR 100/-.

The profit on UBL Ameen Esaar Saving Account is calculated on daily average balance and paid on monthly basis

This account provides an exclusive feature where the Bank (UBL Ameen) will contribute PKR 5/- on per PKR 250,000/- account balance on daily basis to renowned welfare organizations to promote the concept of donation and wellbeing of society. No deductions will be made from your account for these contributions by UBL Ameen (Islamic Banking).

It will be communicated to you through SMS on periodical basis.

• Free Debit Card
• Free Cheque Book

You can visit any nearest UBL Ameen Islamic Banking Branch or UBL Islamic Banking Window to open this account.

All service charges will be levied as per prevailing UBL Ameen Schedule of Charges. Zakat & WHT will be applicable as per Government rules. For further details, call us at 111-825-888 (UAN).

On maintaining PKR 100,000 or above monthly average balance in previous month Ameen Esaar Accountholder will eligible for following takaful coverages provided by EFU Window Takaful Operators.

• Income Continuation Takaful Coverage
• Hospitalization Coverage
• Telehealth Facility

Your family is covered for following financial expenses upto PKR 75,000/- monthly for the period of one (1) year in case of unfortunate event i.e. Death or Accidental Permanent Total Disability.

You are covered for daily cash benefits in case of hospitalization (General/ICU) and reimbursement for the treatment of accidental injuries without the condition of getting admitted into the hospital.

Along with above takaful coverages you will also be eligible to avail Telehealth Facility (through Hello Doctor App) where you can register yourself and avail online consultancy to get yourself healthy and take precautions to avoid consequences of unfortunate and deadly disease.

You can be eligible for following Takaful coverage in subsequent month on maintaining PKR 100,000/- or above monthly average balance in your Ameen Esaar account.

• Income Loss due to Death or Accidental / Permanent
• Hospitalization and Reimbursement for the treatment of accidental injuries

Hospital Cash Benefit can be claimed for a maximum of 180 days in a year.

The coverage term is on monthly basis.

For uninterrupted coverage, you need to maintain PKR 100,000 or above monthly average balance in your Esaar account.

No, under Hospital Cash Benefit twenty-four (24) hours hospital confinement is mandatory.

For Death Benefit:

• Murder, suicide, self-inflicted injury and illegal act
• Event happening in War Inflicted Areas

For Hospital Cash Benefits:

• Pre-existing condition which includes disease and incapacity or bodily injury.
• Attempt to Suicide, Murder, Self-inflicted injury and illegal act

In case of unfortunate event, the customer or the nominated beneficiary (next of kin: blood relative) shall directly contact to Takaful Company at the following address and submit claim form within maximum ninety (90) days:

• Claims Helpline: 051-8466-466
• UAN: (021) 111-EFU-HEM (021-111-338-436)
• Email: gbd@efuhemayahtakafil.com and claims@efuhemayahtakafil.com
• Address: Plot No. 112, 8th East Street, Phase I, DHA, Karachi, Pakistan

For Death and Accidental Death Benefit:

• Copy of death certificate issued by NADRA or union council
• Copy of CNIC of deceased and claimant
• Claimant's statement
• Succession certificate & original guardianship certificate (Incase nominee is minor)
• Claim form with signature
• FIR and Postmortem report in case of Accidental Death (where required)
• Any other document deemed necessary by EFU Life – WTO

For Reimbursement of Hospitalization Benefit:

• Treatment record of hospital which includes dates of admission and discharge, medical diagnosis and treatment
• Covered Member’s CNIC copy
• Police and medico legal reports are required in case of hospitalization due to accident, violence and attempted suicide
• In case of accident, receipts of treatment expenses and prescriptions issued by doctor and the hospital
• Attending Physician's report
• Copies of all medical records
• Any other document deemed necessary by EFU Life - WTO

All claims will be settled in seven (7) working days after the submission of complete required documents.

Following are general terms and conditions of Takaful Coverage:

• Customers age 65 & above are excluded from this policy.
• Customers with dormant accounts (Inactive for 12 months) are not eligible for takaful coverage
• Account monthly average balances less then Rs. 100,000/- are not covered in this policy
• Accidental Death/Disability reported after 90 days of the occurrence of the accident will be excluded.
• The policy is non-transferable and non-saleable.
• Closure of the account, where the reason is other than the death of the account holder, will result in automatic cancellation of the policy cover.
• Policy coverage shall come into effect immediately at the time of account opening by the customer as per eligibility.
• The customer or nominated beneficiary will also submit further documents as demanded/required by Takaful Company.
• In case of joint account, the primary accountholder is eligible for claims and benefits.

• UBL is acting as a Distributor/Corporate Takaful Agent on behalf of EFU Life Assurance Limited – Window Takaful Operations (EFU Life-WTO) and is not and shall not be held responsible in any manner whatsoever to any person, including but not limited to the covered participant(s), nominee(s) or any third party.
• This Takaful Coverage is underwritten by EFU Life Assurance Limited – Window Takaful Operations (EFU Life-WTO). It is not guaranteed or insured by UBL or its affiliates and is not a UBL product. EFU Life-WTO will be responsible for settlement of claims to the covered participant(s) or nominee(s).
• The Bank shall not be liable for any action or lack therefore on the part of the third party. The customer hereby indemnifies and holds harmless the Bank against any loss, liability or damage arising from utilization of services of a third party whether if the same were referred to the customer by the Bank or not. The customer shall at all times exercise his good judgement and conduct their own due diligence prior to utilization any services recommended by the Bank or offered by a third party on behalf of the Bank.

You or one of your family can avail free of cost Nazra/Tajweed-e-Quran teachings through online academies. The reputable academies on Bank’s panel for this facilitation are:

• Faizan Online Academy
• Jamia Binoria Online Academy

On opening UBL Ameen Esaar Account you will be eligible for this facility for once.

Only You or one of your family can avail this service against one account.

The Bank will pay course fee upto six (6) months to the respective institute. The Esaar accountholder can continue the learning by paying course fee for remaining months.

You can register yourself by simply visiting following links of respective institutes/academies website to initiate registration for Nazra/Tajweed-e-Quran course.

Faizan Online Academy:	https://bit.ly/3yU4zCQ
Jamia Binoria Online Academy:	https://binoriaeclasses.com/product/tajweed-ul-quran-kareem/

You can contact respective academy/institute as per your selection:

This facility can be availed only one time for six-months maximum.

Male and Female teachers are available to facilitate you. Male teacher will be assigned to Male accountholder and vise-versa.