Why Workers’ Compensation Policy is Important in the UAE
In the UAE, ensuring the safety and well-being of employees is not just a legal requirement but also a moral obligation for employers. A Workers’ Compensation (WC) policy is crucial for protecting both employees and employers from the financial repercussions of workplace accidents.
Importance of WC Policy:
1. Financial Protection for Employers:
A WC policy covers employers against claims made by employees due to work-related injuries or illnesses. This protects businesses from potential financial ruin due to compensation claims.
2. Comprehensive Coverage:
The policy includes:
- Employer Liability: Up to AED 1,000,000 in total, with a sub-limit of AED 200,000 per employee.
- Medical Expenses: Coverage for up to AED 7,500 per person per accident for treatment at government or private hospitals.
- Repatriation Expenses: In case of accidental death, coverage includes up to AED 7,500 for repatriation, including for an accompanying person
3. Extended Coverage:
The policy provides a 24-hour extension for non-work-related accidents within the UAE, including death and permanent total disability.
4. Additional Protections:
It covers employee-to-employee liability, transportation risks, and even specific conditions like hernia and sunstroke, provided they arise suddenly and accidentally due to work.
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Conditions for Applying
To apply for a WC policy, employers must:
- Provide details of their business operations.
- Submit employee information, including numbers and roles.
- Ensure compliance with UAE labor laws and regulations.
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