Additional benefits of the plan include 24-hour worldwide coverage for employees holding UAE employment visas and compensation for permanent total or partial disability due to accidents
Over 5,500 Indian expatriate workers in the UAE have enrolled in a new “Life Protection Plan,” which provides compensation of up to Dh75,000 to the families of insured workers in the event of their natural or accidental death. This initiative was officially announced on August 13 by the Indian Consulate in Dubai, which played a pivotal role in facilitating the launch of the plan by two UAE-based insurance companies.
The Life Protection Plan, introduced in March 2024, aims to support Indian blue-collar workers in the UAE who previously lacked life insurance coverage.
The consulate expressed its satisfaction, noting that more than 5,500 workers have already benefited from this welfare scheme. The insurance coverage not only offers financial compensation for natural and accidental deaths but also includes provisions for the repatriation of the deceased’s mortal remains.
The plan is only available to companies and employers and is not open to individual subscriptions
The initiative was prompted by the consulate’s observation that the natural deaths of Indian workers were not covered under existing insurance policies. With approximately 3.5 million Indians residing in the UAE—65% of whom are blue-collar workers—there was a pressing need for a scheme that could provide financial security to the families of these workers.
To address this gap, the consulate facilitated a collaboration between major employers of Indian workers and insurance providers Gargash Insurance Services LLC and Orient Insurance PJSC. Together, they developed an insurance package covering both natural and accidental deaths.
The plan, primarily aimed at blue-collar workers, is available for employees aged 18 to 70, with annual premiums ranging from Dh37 to Dh72. Coverage ranges from Dh35,000 to Dh75,000, depending on the premium, with an additional Dh12,000 allocated for repatriation costs.
On August 12, 2024, the Extra Co Group of Companies completed the formalities for subscribing to this insurance scheme, ensuring their workers are covered under the plan.
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