Workmen’s Compensation Insurance in UAE

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
• Repatriation Expenses necessitated by work related accidents upto AED10,000 to 25,000/- 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 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 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 (As an added benefit to employees )

Documents required

• 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