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Natural & accidental death insurance plan introduced for the Indian blue collar workers in the UAE

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| 2 min read

Dubai:

In the year 2022, the Consulate General of India, Dubai registered a total of 1,750 Death cases, out of which around 1,100 are workers and in 2023 around 1,000 deaths were registered for workers from the total count of 1,513. It has been observed that in more than 90 percent of the cases, the cause of death is natural.

It has been noticed that most of the Companies are insuring their employees under Health Insurance and
Workmen’s compensation [work related injuries & deaths]. However, there is no mandatory insurance
coverage for the Natural Death of Employees, and hence the legal heirs/dependents of the deceased do not receive any compensation in cases of natural death.

To address this, the Consulate General of India, Dubai facilitated a joint meeting between the major companies recruiting Indian blue-collar workers and the Insurance service providers M/s. Gargash Insurance Services LLC and M/s. Orient Insurance PJSC to arrive at an Insurance Package, which could cover both Natural and Accidental death.

The terms & conditions and the modalities on how it will be implemented were worked out between the Companies/Employers and the insurance service providers M/s. Gargash Insurance Services LLC & M/s. Orient Insurance PJSC.

Following the meeting and based on the feedback received from the companies, Gargash Insurance / Orient Insurance have agreed to issue Life Protection Plan [LPP] for the blue collar workers and other Employees covering Death due to any cause (Natural and Accidental) with the following benefits:

Benefits Covered:

  • 24 hours worldwide coverage for employees having UAE employment visa
  • Death due to any cause (Natural and Accidental)
  • Permanent Total / Partial Disability due to Accident
  • Repatriation Expenses (Death only) – upto AED 12,000 per person
  • Age Limit from 18 to 70 years
    Sum Assured Options Annual Premium Per Person
    AED 35,000 per person AED 37
    AED 50,000 per person AED 50
    AED 75,000 per person AED 72

On the launch of the Life Protection Plan, Consul General Mr. Satish Sivan stated that “Welfare of the Indian community remains our utmost priority. Keeping in view the large number of natural death cases of workers in a year and in order to provide some financial benefits to the family of the deceased in the event of natural death, Consulate General of India, Dubai, encourages all Companies to consider subscription to the Life Protection Plan [LPP] that is available at a minimal premium of AED 37 per annum’. Life Protection Plan [LPP] is effective from 1 March 2024.

For further details about the Life Protection Plan, please contact at Email id:
[email protected] and Phone no. 0527172944 / 0526167787.

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Natural & accidental death insurance plan introduced for the Indian blue collar workers in the UAE

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