Workmen's Compensation Insurance

Keeping employees protected at work is a top priority for any business as uncertainties are part of life and numerous accidents takes place which puts employees and employer at stake. Here is where the Workmen compensation insurance plays a key role.

Workmen’s Compensation Insurance policy indemnifies an organization for the medical expenses and loss of wages due to accidental bodily injury or disease to their employees arising from their business activities during the employment.

We, at Tokio Marine, offer you the best cover that suit your business  model and ensure you the best protection. In addition to this, we extend our policy to include Employer’s liability cover to protect you as an Employer against any claim made by the employee as per Labour Law/Workmen Compensation Ordinance as defined under Chapter 8 of Federal Law No. 1980 and Free Zone Rules as applicable.

Key Benefits under the Policy 

• Death or Disability due to Work-related injury
• Medical & Repatriation Expenses
• Funeral expense if Repatriation is not possible
• Loss of Wages during the recovery period.
• 24 Hours Cover including Non-Work-Related Accidents
• Cover while on non-manual business trips Worldwide.

What is not covered:

• Any injury or death caused by intoxication or drugs
• Any injury or death from company policy violations
• Self-attempted injuries and suicide attempts
• Any injury, death or disabilities caused due to War, invasion, Political cause, and Terrorism.
• Any illness or injury arising due to Communicable diseases

Tokio Marine’s Workmen Compensation Insurance Dubai Policy is compliant with the UAE Labour law, UAE Free Zones/DIFC Employment Law.