Employees Insurance

Iran Insurance Team Members

Employees are key asset of every successful business. We help you protect that and also ensure that your legal responsibilities towards them will be properly covered. Click on each tab below to see how it is done:

Workmen’s Compensation
If a work-related accident or occupational disease leads to death or total disability of one of your staff members, the UAE Labor Law requires you to pay his family members, 24 times his basic salary which should not be less than AED 18,000. In case of partial disability, a proportionate payment would be payable. On top of this, you may pay for treatment cost of the employee and perhaps his return to his home country.Our Workmen’s Compensation insurance covers the above legal liability and also gives you the option to cover the medical expenses of injured employees and expenses of their return to their home country.Click here to arrange Workmen’s Compensation cover, get quotation or ask for further details on this.

Employer’s Liability
You may be sued if due to your negligence or fault, a work-related accident happens and causes bodily injury or death to one of your staff members. We can extend your Workmen’s Compensation policy to also cover such claims made at UAE Courts, up to an agreed limit.Click here to arrange Employer’s Liability cover, get quotation or ask for further information on this.

Personal Accident
You may wish to cover your employees not just for work-related accidents but for any accident, no matter where your employees are, even when they are travelling for holidays.Personal Accident insurance allows you to support them and their families when they suffer disability or death, following an accident. They will receive an agreed sum and also get their related medical expenses covered. At Iran Insurance you have the option also to cover their return cost to their home country.Click here to arrange Personal Accident cover, get quotation or ask for further information on this.

Medical Insurance
By arranging medical insurance for your staff, once an employee is unwell, his diagnosis and treatment costs will be covered as per the arranged package. The cover can also be extended to their dependents – spouse and children – offering your employees even more peace of mind and protection.When you arrange your medical cover through Iran Insurance, you will benefit from:

Tailor-made packages to meet your specific requirements

Competitive rates

Access to numerous medical centers – hospitals, clinics and so on

Fair assessment of claims by an independent organization – NEXtCARE

24/7 world-class call center

Quick processing of requests

Who is NEXtCARE?

It is a member of Allianz Group that provides specialized and independent medical claim assessment to insurance companies. It also regularly reviews the medical centers to make sure only the quality centers are available to the insured members.

At Iran Insurance we only work with NEXtCARE, since it is the leading company providing such services in the Middle East. In 2014, it won MENA Insurance Award of “Third Party Administer of the Year”.

What can be covered?

Our medical insurance packages usually cover:

  • Consultation fees
  • Medicines
  • Hospitalization
  • ICU
  • Emergency ambulance
  • Physiotherapy
  • Treatment of preexisting and chronic diseases
  • X-ray, CT Scan, MRI and other radiologic tests
  • Laboratory and other diagnostic examinations
  • Endoscopic procedures, Biopsy and small surgeries
  • Surgical procedures
  • Nursing charges

You can also apply for the following optional benefits to be included into your cover, however this will remain at the discretion of our underwriters as it will depend on your group specifications:

  • Dental
  • Optical
  • Maternity
  • VIP cards with special features
  • Alternative treatments
  • Children vaccination
  • Routine checkups
  • Psychiatric treatment
  • World-wide coverage
  • Companion accommodation
  • Organ transplant
  • Prostate/Breast cancer screening
  • Repatriation of mortal remains
  • Medical emergency evacuation

Click here to arrange your required medical cover, get quotation or ask for further information on this.

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