Albuhaira National Insurance Company

Claim Services

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Timings and Location

Our office timings are 8:00 AM to 1:30 PM ; 2:30 PM to 5:00 PM (Sunday to Thursay). Click here to find details and location map of our various Offices.

Life Insurance

GROUP LIFE & PERSONAL ACCIDENT INSURANCE SCHEME

Cover

The Company will pay in the event of death (natural or accidental), a lump sum amount equivalent to the principal sum stated in the schedule of the Life Policy.

Additional Benefits

Accidental Death Benefit (ADB)

The Company will pay, in the event of accidental death an additional amount equivalent to the principal sum stated in the Schedule of the Life Policy (Double indemnity).

Permanent Total Disability Due to Accident Benefit (PTD-Acc)

In the event of permanent total dismemberment or disability following an accident a lump sum amount equivalent to the principal sum, shall be paid.

Permanent Partial Disability Due to Accident Benefit (PPD-Acc)

In the event of permanent partial dismemberment or disability following an accident a percentage thereof as per continental scale shall be paid.

Permanent Total Disability Due to Sickness Benefit ( PTD-Sick)

In the event of permanent total dismemberment or disability following a Sickness, a lump sum amount equivalent to the sum insured shall be paid.  The insured member must be totally and permanently unable to perform duties of his own occupation or any other occupation for which they are reasonably suited by reason of education, training or experience.  The insured must fulfill the above definition for at least 12 months.

Permanent Partial Disability Due to Sickness Benefit ( PPD-Sick)

In the event of permanent partial disability following a sickness, a percentage thereof as per continental scale shall be paid.

Temporary Total Disability Benefit (TTD- Acc)

In the event of temporary total and continuous disability following an accident, a weekly indemnity equivalent to 100% of the weekly salary shall be paid for the first six months and 50% for the next six months shall be paid. Total indemnity should not exceed the sum insured.

Temporary Total Disability Benefit (TTD- Sick)

In the event of temporary total and continuous disability following a sickness, a weekly indemnity equivalent to 100% of the weekly salary for the first six months and 50% for the next six months shall be paid for a maximum period of 52 weeks.  Total indemnity should not exceed the sum insured. Waiting period 2 weeks

Accidental Medical Expenses (AME)

Actual Expenses due to an accident at a Government Hospital up to a maximum limit of Dh 5000 per person per year shall be paid.

Repatriation Expenses (RE)

Actual Expenses up to a maximum limit of Dh. 5,000 per employee incase of death, provided the death occurs within the UAE.

Period of Cover : =12 months with effect from date of cover.

Free Cover Limit : The highest sum insured, which can be accepted without medical requirements.

Age Limit : 65 Years

Cover : World wide, 24 hours.

Conditions

  • All employees should be actively at work at the inception of the Policy.
  • Cover excludes any claims as a result of nuclear weapons or devices   or chemical or biological agents.
  • Cover is mandatory for all the employees.
  • For sickness benefit riders, any disease or medical impairment from which the insured was suffering or had a serious past history at the commencement of the cover or his date of entry if later is excluded.

 
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Our track record has been consistently successfull, thanks to the increasing trust and confidence our clients have reposed in us. In an intensely competitive field, ABNIC has stood it ground by virtue of its financial soundness, stratergic positioning of its products and services to fulfil ever changing insurance needs.

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