Purpose
To provide life insurance coverage along with personal accident for expatriate domestic workers in one package for the duration of the contract -two years from the date of entry to the country.
Brief Write-up
Embassies of certain nationality have made it mandatory to issue insurance policy prior to the entry into State of Kuwait or whilst on travel to home land (vacation). Purpose
To provide life insurance coverage along with personal accident & workman’s compensation cover in one package.
Brief Write-up
Group Life Insurance financially protects employee’s family and dependents if they were to die whilst in employment and also covers the liability of the employer in accordance with the Kuwait Labour Law. It helps the employer to plan for the unexpected.
Benefits
LIFE BENEFITS- DEATH DUE TO ANY CAUSE
PERSONAL ACCIDENT BENEFITS- ACCIDENTAL DEATH:
● PERMANENT TOTAL DISABILITY DUE TO ACCIDENT
● PERMANENT TOTAL DISABILITY DUE TO SICKNESS
● PERMANENT PARTIAL DISABILITY DUE TO ACCIDENT
● PERMANENT PARTIAL DISABILITY DUE TO SICKNESS
● TOTAL TEMPORARY DISABILITY DUE TO ACCIDENT
● TOTAL TEMPORARY DISABILITY DUE TO SICKNESS
● MEDICAL EXPENSES DUE TO ACCIDENT
● REPATRIATION BENEFITS
-WORKMEN’S COMPENSATION BENEFIT
Coverage
1. BENEFITS.
○ DEATH DUE TO ANY CAUSE : SUM ASSURED = MULTIPLE OF SALARY-12/24/36/48
2. PERSONAL ACCIDENT BENEFITS.
○ ACCIDENTAL DEATH : DOUBLE SUM ASSURED
○ PERMANENT TOTAL DISABILITY DUE TO ACCIDENT: DOUBLE SUM ASSURED
○ PERMANENT TOTAL DISABILITY DUE TO SICKNESS: SUM ASSURED
○ PERMANENT PARTIAL DISABILITY DUE TO ACCIDENT: % OF SUM ASSURED
○ PERMANENT PARTIAL DISABILITY DUE TO SICKNESS: % OF SUM ASSURED
○ TOTAL TEMPORARY DISABILITY DUE TO ACCIDENT: PAYABLE FOR A MAXIMUM OF 52 WEEKS SUBJECT TO KD.500/- PER WEEK PER PERSON
○ TOTAL TEMPORARY DISABILITY DUE TO SICKNESS: PAYABLE FOR A MAXIMUM OF 52 WEEKS SUBJEC TO KD.500/- PER WEEK PERSON
○ MEDICAL EXPENSES DUE TO ACCIDENT: ACTUAL EXPENSES SUBJECT TO MAXIMUM OF 10% OF SUM ASSURE OR KD.1000/
○ REPATRIATION BENEFITS: ACTUAL EXPENSES SUBJECT TO MAXIMUM KD.500/-
WORKMEN’S COMPENSATION BENEFITS. – AS PER KUWAIT LABOUR LAW