This Insurance policy is designed to be fully compliant with UAE law, providing comprehensive benefits that include:

Medical Expenses

Full coverage for medical, surgical, and pharmaceutical costs, as well as hospitalisation expenses from the moment of injury until the employee has recovered. This includes rehabilitation and therapy costs.

Temporary Disability Compensation

If an employee is temporarily unable to work while recovering, the policy covers their loss of earnings as per the provisions of the UAE Labour Law.

Permanent Disability Compensation

In the unfortunate event of a permanent partial or total disability, a lump-sum compensation is paid to the employee. The amount is calculated based on a percentage of their basic salary, as determined by the law and medical assessment.

Death Benefit

If a work-related accident results in the death of an employee, a lump-sum compensation (equivalent to 24 months of their basic salary, subject to minimums and maximums defined by law) is paid to their legal dependents.

Repatriation Expenses

The policy covers the costs associated with repatriating the deceased employee’s remains back to their home country, a crucial benefit for the UAE’s large expatriate workforce.