Workers in any organisation are exposed to work related accidents and therefore well protected under the UAE Federal Law No.8 of 1980 & subsequent amendments thereto. The Federal Law of UAE has cast a responsibility on the Employers to pay compensation to employees due to accident arising out of and in the course of employment.

AWNIC offers workmen's Compensation Policy which will indemnify the employer against all sums payable under the U.A.E. Federal Law No. 8 of 1980 and subsequent amendments to pay compensation to any employee due to accident arising out of and in the course of employment.

The Extensions available to this insurance are:

•  Medical Expenses: Medical expenses benefit for work accidents up to Dhs.10,000/- per person subject to treatment being confined to UAE  Government hospital/Clinics. (higher limit can be opted for at extra  premium)
•  Expenses for Repatriation: Repatriation expenses for transporting the deceased body following work accident up to Dhs.5,000/- per person.  (higher limits can be considered at extra premium)
•  Employer's Liability: Up to Dhs.1,000,000/-Any One Accident &/or in the  aggregate.

The Premium rate is applied on the Estimated Annual Earnings of the employees which is adjustable at the end of the policy period based on the actual annual earnings. The premium chargeable depends on the nature of work, risk involved cover/extensions requested.

It is recommended that a reference be made to the printed policy for a proper understanding of the nature, scope and conditions of the insurance.