Coverage:
The amounts for which an employer is liable to his employees under labour law.
The law stipulates compensation payable by an employer to the employee due to work related accident or occupational diseases.
For death, the compensation prescribed is 24 months basic salary subject to a minimum of Dhs 18,000/- and maximum of Dhs 35,000/-.
For disabilities also the law provides for compensation.

Extensions:
Employer’s Liability
Medical Expenses
Repatriation Expenses
24 Hours Personal Accident
Employee to Employee
Hernia / Sunstroke

Exclusions:
Natural Death / or Natural Diseases
1st day of disability
Suicide or attempted suicide or intentional self-injury
Hernia / Sunstroke (can be covered as an extension)

Other Points:
Premium calculated on estimated annual wages.
Premium rate will depend upon the type of cover, nature of duties of the employees to be insured.

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