In a groundbreaking move to safeguard the welfare of Indian workers in the UAE, a pioneering insurance initiative has been introduced. Aptly named the Life Protection Plan (LPP), this comprehensive scheme promises to provide families with compensation of up to AED 75,000 in the unfortunate event of an employee’s demise, whether due to accidents or natural causes. Here are all the details you should know about this new scheme.
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Addressing A Critical Gap in Benefits
Launched on March 1, the LPP was strategically devised by the Indian Consulate in Dubai to bridge a significant gap in employment benefits, specifically targeting the 2.27 million blue-collar workers within the UAE. While many companies traditionally offer health insurance and compensation for work-related injuries, the LPP steps in to address a crucial void – the absence of compulsory coverage in the event of an employee’s natural death.
Premiums Tailored For Every Worker
To make this initiative accessible and inclusive, the LPP offers annual premiums ranging from AED 37 to AED 72 for individuals aged 18 to 70. These affordable premiums not only ensure coverage for a broad spectrum of workers but also cater to the diverse financial capacities of employers.
Comprehensive Coverage & Repatriation Assistance
In the unfortunate circumstance of a worker’s demise, the LPP provides compensation varying between AED 35,000 and AED 75,000, depending on the selected premium. Additionally, the policy extends a thoughtful AED 12,000 coverage for the repatriation of the insured employee’s remains, acknowledging the importance of facilitating a dignified return for the departed.
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Collaborative Efforts For Worker Well-being
Two insurance companies collaborated to tailor a package specifically designed for blue-collar workers, with terms and conditions meticulously negotiated with recruitment companies. This collaborative approach exemplifies a concerted effort to prioritize the welfare of the 65% of the 3.5 million Indians living in the UAE who belong to the blue-collar workforce.
A Call To Action For Companies
Consul-General Satish Sivan emphasized, “The welfare of the Indian community remains our utmost priority.” Urging companies to consider subscribing to the LPP, he highlighted the significant number of natural death cases among workers each year, emphasizing the need for financial benefits to support the families of the deceased.
The introduction of the Life Protection Plan stands as a beacon of support for Indian workers in the UAE, reflecting a commitment to their well-being and that of their families. This progressive initiative not only addresses existing gaps in coverage but also serves as a model for collaborative efforts between governments, companies, and insurers to enhance the quality of life for the blue-collar workforce.
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