Workmen Compensation Insurance Add on Covers
In addition to the basic covers additional covers can be included as add on protection based on the requirements.
When a death of an employee occurs due to negligence from the employer, the employee’s family may file a suit against the employer or the public prosecutor file a suite. In this situation some times court orders to provides compensation which could be much higher than the death coverage amount specified in workmen compensation policy. If employer’s lability is added as an add on cover it covers protection in such cases to meet the liability of the employers. Usual coverage in this case starts with AED500,000 for single occurrence and aggregate annual limit.
24 Hours Personal Accident Cover
In this add on cover benefits can be extend with wider coverage to protect the death as well as disability which is not only due to work related injuries or accidents.
Other Add on Covers
Coverage for work related to offshore activities.
Coverage for Injuries happens when employees are transported by the employer to or from workplace and residence.
Coverage in the case of death and injuries due to sunstroke and hernia
What is not covered in workmen compensation insurance in UAE
Even though for the complete excluded things in a workmen compensation insurance is mentioned in the policy wordings, following things are majorly excluded from workmen compensation polices in UAE.
- - Natural Death
- - Death due to suicide
- - Injury due to the attempt to suicide
- - Injuries or diseases arising out of alcohol, narcotics or other substance which causes addiction
- - Death or Injury arising from exposure to electromagnetic fields, nuclear radiation, genetically modified orgasms, toxic moulds and transmissible spongiform encephalopathy
- - Death caused by AIDS
- - Any kind of violation of the UAE/UN/US/EU/UK sanctions
- - Political and war Risks
- - Injury or death which is happened outside the specified territory irrespective of whether it is associated with work or not.
- - Apart from the above exclusions for the full list of not covered items in your workmen compensation policy it is important to read an understand the policy wordings.