The coverage includes employees whilst on duty and/or engaged in executing any business and/or any project undertaken by your company, against accidental bodily injury, disablement, or death. Compensation is payable in accordance with the provisions of the Workmen’s compensation Act.
Main benefits under this Takaful policy are as follows:
- 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 / Balance six months 50% of full salary
- Medical Expenses – Incurred at local Government or public medical centers are reimbursable as per limits
In addition to basic Workmen’s Compensation cover the employer can protect himself against the claim made by the employee under Common/Sharia Law up to a selected limit of indemnity which generally varies from Dhs.500,000/- to Dhs. 1 million (Employers Liability Insurance). An employer can select a higher limit based on the requirement which we can provide at affordable rates.
As an added benefit to employees the 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 Labour Law