Workmen’s Compensation Insurance Policy indemnify the employer against all sums payable under the U.A.E. Federal Law No. 8 of 1980 and subsequent amendments to pay compensation to any employee due to accident arising out of and in the course of employment.
Occupational Death 24 months of the worker’s last remuneration before the death subject to a minimum of Dhs.18,000/- and maximum of Dhs.35,000/-
Permanent Disability Percentage of Death benefits as per the specified scale
Loss of Wages (cash allowance) Up to first six months 100% of full salary
Medical Expenses Incurred at local Government or public medical centers are reimbursable from AED 10,000 to AED50,000
Repatriation Expenses necessitated by work related accidents up to AED10,000 to AED 50,000/- per employee including cost of escort where necessary
Employees/ Labours of the insured whilst being transported by or using any private vehicles, rented vehicles or insured’s own vehicle provided they follow the normal and direct route.
Workmen’s Compensation cover can be extended to include accidents occurring within the territorial limits but outside duty hours too in line with the benefits payable under the UAE Labour Law
Automatic addition and deletion of employees subject to premium adjustment on Pro-rata
Employers Liability Insurance). In addition to basic Workmen’s Compensation cover the employer can protect themselves against the claim made by the employee under Common/Sharia Law up to a selected limit of indemnity which generally varies from AED 500,000/- to AED 5 Million (As an added benefit to employees)
Total annual wages of employees for Non-Admin and Admin staff separately with name of employee, designation
Trade license and VAT No
Declaration for previous year claims experience
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