| | | | Al Musaned Domestic Helpers Protection Plan | | | Why do you need AL MUSANED ”DOMESTIC HELPERS PROTECTION PLAN?
You hire a domestic helper because you want your domestic helper tasks to be taken care of, release your time and mind for other things. However, if your domestic helper meets with an accident and cannot perform her normal duties, or if she has to be repatriated, the financial losses can be quite extensive. Our domestic helper insurance plan not only helps you comply under the Employees Compensation rule, it also protects your in-terest as an employer so that both you and your domestic helper can have peace of mind.
OAB customers can create a "safety net" for their Domestic Helpers selecting Domestic Helpers Protection Plan that will provide the resources for them to carry on.
What are the Special Features
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| | | | EVENT | BENEFIT | | Death | RO 5,000 | | Permanent Total Disability due to Accident (PTD-A) | RO 5,000 | | Permanent Partial Disability due to Accident (PPD-A) | RO 5,000 | | Accidental Medical Expenses (AM) | RO 500 | | Repatriation for Death any cause and PTD due to accident. | RO 500 |
| | | 1- Death: In case of the death of the Insured Person due to - sickness or - accident covered under this policy within 180 days following the date of such acci-dent
2- Permanent Total Disability due to Accident (PTD-A) : In case of the Insured Person becoming permanently and totally disabled due to an accident covered under this policy, such disability being diagnosed within 180 days following the date of such accident. The accident must result in the inability of the insured person from working and/or generating any source of income in any or similar jobs for which he/she is reasonably educated and/or trained for at least 12 continuous months.
3- Permanent Partial Disability due to Accident (PPD-A): In the case of the Insured Person suffering, as a result of an accident, the loss by physical separation, or the total loss of any limb or organ of the body or the total and irrecoverable loss of sight as set out in the attached Continental Scale of Benefits
4- Accidental Medical Expenses (AM) : In case of medical expenses being paid by the Insured Person as a result of an accident covered under this policy.
5- Repatriation for Death any cause and PTD due to accident only : In case of the Insured Person being repatriated to his/her home country due to death or due to becoming permanently totally disabled due to an accident. The sum insured stated represent the airfare amount including an escort if necessary | | Annual Premium | RO 24 | | Monthly Premium | RO 2.50 | | Min age of entry | 18 years | | Max age for Insurance cover | 65Years | | Term of the plan | 1 year , every year renewable | | Premium paying frequency | Yearly or Monthly* | | Accident cover | Oman |
| General Exclusions
• War, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not) civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, riot, rebellion, military or usurped power or any acts of any person acting on behalf of or in connection with any organization actively directed towards the overthrow by force of any Government or to the influencing of it by terrorism or violence.
• Nuclear fission, nuclear fusion or radioactive contamination
• Suicide, Attempted suicide or self-inflicted injury whist sane or insane, murder, any breach of criminal law by the insured person or assault provoked by him.
• Aviation, gliding or any other form of aerial flight other than as a fair-paying passenger of a recognized airline or charter service.
• Involvement in any underwater activity, participation in or training for any dangerous or hazardous sport or competition or riding or driving in any form of race or competition.
• Use or Misuse of drugs or narcotic substance or alcohol.
• Bodily or mental illness or disease.
• Bodily injury result in hernia, disc prolapsed, spondy lolisthesis (Spinal injury)
• Pregnancy, abortion or childbirth or any complication there from.
• Poisoning (including the inhalation of gases) other than an infection occurring simultaneously with, and in consequence of an accident.
• Any Disease or or injury/medical impairment manifesting prior to inception of this contract.
• Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune De-ficiency Syndrome (AIDS) and/or any mutant derivatives or variations thereof.
Documentation
1. Proposal Form
2. Photo copy of Identification ( ID Card /Passport)
3. First Premium Payment Instrument (Cheque/OAB fund Transfer slip/Standing instruction)
4. Renewal premium (Standing Instruction)
*Disclaimer: The above information is just indicative in nature and for more details on the coverage, terms and exclusions please read policy document |
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