UAE: New Insurance Scheme Offers Up to Dh75,000 to Indian Workers

Asma Ahmed - | UAE

Indian employees in the United Arab Emirates now have access to a new insurance plan designed to safeguard their families financially in the unfortunate event that an employee passes away while on the job.

Beneficiaries of the Life Protection Plan (LPP) are guaranteed a sum of up to Dh75,000 in the event of the worker's death, whether it is a result of an accident or a natural disaster.

This comprehensive policy addresses a critical gap in employment benefits for the approximately 2.27 million blue-collar workers in the UAE, as it offers compensation for both work-related incidents and natural deaths, an aspect often overlooked in standard insurance coverage.

The LPP, which came into effect on March 1, is designed to offer peace of mind to workers and their families, particularly in scenarios where the primary breadwinner's unexpected passing could leave dependents financially vulnerable. While many employers provide health insurance and compensation for workplace injuries or fatalities, coverage for natural deaths has not been mandatory, leaving families potentially burdened with repatriation costs and other financial challenges.

To ensure the accessibility and affordability of the LPP, the annual premiums range from Dh37 to Dh72, catering to individuals aged 18 to 70. Depending on the selected premium, beneficiaries are entitled to compensation ranging from Dh35,000 to Dh75,000 in the event of the insured worker's death. Additionally, the policy includes coverage of Dh12,000 for repatriation expenses to facilitate the return of the deceased worker's remains to their home country.

This initiative stems from collaboration between the Indian Consulate in Dubai and major UAE companies that recruit blue-collar workers, along with two insurance service providers. The tailored insurance package was developed with the specific needs of blue-collar workers in mind, and the terms and conditions were established through negotiations with recruitment companies, ensuring alignment with industry standards and regulatory requirements.

With an estimated 3.5 million Indian residents in the UAE, comprising a significant proportion of blue-collar workers, the introduction of the LPP underscores the commitment of the Indian Consulate to safeguarding the welfare of its citizens abroad.

Recognizing the prevalence of natural deaths among workers, the Consulate urges all companies to consider subscribing to the LPP, emphasizing the importance of providing financial security to workers' families in times of adversity. This initiative reflects a proactive approach to addressing the evolving needs of the Indian expatriate community and enhancing their overall well-being and resilience.

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Asma Ahmed
Asma Ahmed
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