WORKMEN'S COMPENSATION INSURANCE WITH ALFRED
Workmen's compensation insurance provides cover for your valued employees in the event they fall sick, contract an occupational disease, sustain bodily injury from a work-related incident or in the unfortunate event that they lose their life in the course of their employment.
Critically, this cover is essential as UAE Federal law mandates all employers to provide compensation to their employees in the event that they are injured or die due to a work-related cause.
WE WORK WITH THE LEADING WORKMEN'S COMPENSATION INSURERS IN THE UAE
At InsuranceMarket.ae we’re proud to have enjoyed over 25 years’ experience of helping customers with their insurance. Over these years, we have built great partnerships with the leading and most respected Workmen's Compensation Insurers in the Dubai/UAE market: big names such as AXA, RSA, Orient, AIG and many more. Our relationships and reputation mean we can secure deals, discounts and covers that are the best in the market and pass all these benefits on to you!
WHAT DOES WORKMEN'S COMPENSATION INSURANCE COVER?
Work-related death:
Pays a lump sum death benefit to the family of an employee in the event of their death arising from a work-related incident or occupational disease. In accordance with UAE Federal Law, death benefit is payable for 24 months’ salary subject to a minimum of AED18,000/ maximum AED35,000.
Permanent total disability:
Provides payment of a lump sum compensation to the employee if he sustains a bodily injury that leads to his permanent total disability resulting in being unable to work again.
Permanent partial disability:
This provides compensation for any impairment that an employee sustained through their employment with you arising from occupational disease or work-related accident that didn’t go away after normal recovery, and which has resulted in them not being able to work to full capacity. Examples include loss of hearing, nerve damage, or PTSD (Post Traumatic Stress Disorder).
Temporary total disability:
This provides compensation to an employee who temporarily cannot work at all/perform any job functions due to an occupational accident or disease.
Medical expenses:
Provides benefits of up to AED50,000 towards any medical expenses arising from treating a work-related incident. Note that medical expenses or deaths related to natural causes are not covered – these risks are covered under
health
and
life
insurances. Individuals can propose these covers themselves or companies can purchase for their employees under
Group Health
and
Group Life.
Repatriation expenses:
Covers the expenses needed to repatriate the remains of an employee up to a maximum benefit limit of AED35,000
WHAT IS NOT COVERED UNDER YOUR WORKMEN'S COMPENSATION INSURANCE?
We’d like to assure you that there is more covered than not, but like most insurance products, Workmen's Compensation insurance won’t cover everything and all eventualities. Typical examples include:
Any claims for bodily injuries or death incidents that are later discovered to be the result of being under the influence of intoxicating drugs.
Any claims for bodily injuries or death incidents that result from infringement or violation of company policies.
Any self-induced injuries such as self-harm and suicide attempt scenarios.
What additional cover options and upgrades are available?
While typical Workmen's Compensation insurance policies cover you against most common risks and provide limits and coverages designed to comply with relevant legislation and based on typical consumer needs, Insurers do offer additional layers of protection to address your unique circumstances. These can include cover extensions/policy add-ons such as:
Transportation Cover: this extension protects against any injuries sustained by any employee whilst being transported to and from the workplace.
24 Hours Cover: extends your cover to include accidental injuries occurring outside of the workplace and in non-working hours.
Employer’s Liability: this extension protects you from any lawsuits brought in respect of any work related injuries or death judged to be resulting from your proven negligence. Cover is typically AED 1M and covers court costs, awards and damages.
WHY CHOOSE WORKMEN'S COMPENSATION INSURANCE WITH INSURANCEMARKET.AE
At InsuranceMarket.ae, we provide an unmatched customer experience and really understand the needs of the modern business customer. Here are just 5 reasons why you should choose us for your Business Insurance needs:
21,000 Google reviews and 4.8 rating: customer satisfaction is our number one priority and we’ve got the feedback to prove we deliver!
Dedicated insurance advisor to help answer your questions and help you with your purchase.
Responsive, reliable and dedicated claims manager to offer advice, reassurance and assistance when you need it most.
Competitive prices and comprehensive products providing the cover you need at a price you can afford from the insurers you can trust.
Great value-added services such as discount vouchers that are sent with your policy: you just keep on saving with Alfred!
25+ years of UAE insurance experience
Dedicated insurance advisor to answer all your questions
Simple and fast claims process
Highest rated insurance provider in the UAE
HOW TO COMPARE WORKMEN'S COMPENSATION INSURANCE QUOTES?
Let Alfred help you compare workmen's compensation insurance with lightning fast service
Workmen's Compensation insurance doesn’t need to be complicated but sticking to one option just isn’t enough, and whilst two can be twice as nice, we believe in the power of three: that’s why we send you at least that many quotes to compare. Once you’ve got your selection, here are our top 3 tips for what to do next.
Check the cover provided under each quote and compare against each other. You can’t judge a square versus a circle so make sure your assessment is a fair one.
If you have purchased Workmen's Compensation before, check the cover provided against your previous policy. Are you getting like-for-like, less or more? Also consider the “added value” items like optional extras, additional services as standard, discount vouchers etc.
Check the price last so you can see the benefits of the cover rather than being influenced by the premium first. You can then assess the value for money. And don’t forget those “extras” too: you may or may not be able to put a price on them, but they do count!
WHAT DO I NEED TO GET A WORKMEN'S COMPENSATION INSURANCE QUOTE?
Getting a Workmen's Compensation insurance quote with us is simple and stress-free. If you can provide us with a few pieces of key information, we’ll take care of everything and come up with a range of quotes for you to consider.
Of course, we will need the basics such as your contact details (name, phone number, address and email.) but most importantly, we will need some information regarding your company, business description, nature of your activities, size of the company, workforce size and any other relevant information that helps us understand how your business operates and what your needs are.
HOW CAN I GET LOW COST WORKMEN's COMPENSATION INSURANCE?
There’s no magic formula for getting value for money Workmen's Compensation Insurance but there are some steps you can follow and things you can do to get the best deal for your dirhams! We asked Alfred and here’s what he suggests:
Never buy insurance at the last minute. Give yourself plenty of time to consider the coverage you need against what’s available in the market. If time is running out then the budget can too if you blow it by taking the first deal that’s on offer……even worse, you might just end up paying a lot more money for a whole lot less cover!
Don’t be tempted to “go it alone” in your search for the best policy at the best price. Let the experts help! At InsuranceMarket.ae our Insurance Advisors are just waiting to do the hard work for you. It’s a simple but winning formula. No extra cost + no waste of your time = no brainer!
Don’t get too hung up on price alone. Being mindful of money is no bad thing but being bound by a budget can prove “false economy” if you don’t have the correct cover and lose out when it comes to a claim. At InsuranceMarket.ae we search the market and work with you to find the best cover for your budget.
FIND THE BEST DEALS ON YOUR WORKMEN'S COMPENSATION INSURANCE WITH ALFRED
Finding the right Workmen's Compensation insurance policy for you at the right price has never been easier. This is made possible through our friendly, knowledgeable team of advisors who act as insurance advisors: taking you through the covers available and explaining the cost involved, so you can select a policy that both gives you peace of mind and suits your circumstances.
The moment you begin your journey with us you’ll start reaping the benefits. At InsuranceMarket.ae, we have great relationships with all the leading Workmen's Compensation insurance companies in the UAE and our reputation and experience mean we get great products at great prices. Not only that, our partnerships with a range of fantastic local businesses mean that when you buy your policy with Alfred, you’ll get great money-saving discount vouchers sent to you too. From auto accessories to accident repairs, car valeting to personal grooming and auto-tuning to vocal tuning with music lessons and much more. You’ll enjoy benefits that can’t be bettered!
HERE'S WHAT OUR CUSTOMERS ARE SAYING
PARTHA ROY CHOWDHURY
AFIA & Mr. Ariel in Afia are two great things that could happen to anyone in the UAE looking for an ethical, honest, responsive, caring insurance partner. Trust me, I use these words after having been bitten by others who are not so.. Try Afia, try Ariel - you will thank me 🙂
Anna Hughes
For 12 years I'm insuring my car with Afia- never had even smallest issue with claims. Service is excellent - very pleased with Mr.Ian who cares about my account. I wish we have more companies in the UAE with such a service! Thank you Afia team!
Carmencita Guanco
Our company has been dealing with AFIA in the past 3 years. They are always helpful and very attentive to details. Jecryl who has been helping me with our company requirement is very knowledgable with their products and have given me various options to meet our company requirements. I will definitely recommend them to family and friends. Just now, one of our drivers had an accident. Ms. Teresa from claims department help me immediately. She was able to give me a reference claim number within 10 minutes from the time I contacted her.
JOY JOSEPH
I rate my experience with Mr. Vicky (Vignesh) of AFIA Insurance Brokers as 5 star related to the professional indemnity insurance coverage for our firm. My repeated requests for amendments in the policy for whatsoever reasons were done very fast and to my satisfaction. Thank you Mr. Vignesh
ALAN CLARKE
For the past 3 years AFIA has assisted in providing my company with annual Professional Indemnity Insurance. Each time the same agent, Agatha Alicdan, has dealt with my requirements in a professional manner and provided me with a competitive quotation. This year AFIA has also provided me with worldwide travel insurance. It is my intention to continue to use the services of AFIA in future for my insurance requirements and would recommend them to others.
WORKMEN'S COMPENSATION AND EMPLOYERS' LIABILITY INSURANCE
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