Workmen’s Compensation Insurance

Protect your employees and your business with Sukoon’s Workmen’s Compensation Insurance — designed to cover legal liabilities arising from workplace injuries, disabilities, or death. This policy ensures regulatory compliance while providing essential financial protection for your workforce.

What Does the Policy Cover?

Accidental Death Cover

If an employee passes away due to a work related accident, the policy compensates the employee’s family, helping them manage financial responsibilities during a difficult time.

Permanent Total or Partial Disability

If an employee suffers a permanent total or partial disability due to a workplace incident, compensation is provided according to an approved disability scale. This ensures the affected employee receives adequate financial support for future needs.

Reimbursement of Medical Expenses

Work related injuries often lead to medical treatment. The policy reimburses medical expenses so your employees receive necessary care without financial burden.

Claims Support

Call

800 SUKOON (785666) Monday to Friday: 8 AM – 8 PM Saturday: 8 AM – 4 PM

Online

Visit www.sukoon.com to submit a claim or complaint through our dedicated portal.

Standard Exclusions

For details regarding what is not covered, please refer to the Exclusions section of your policy’s Terms & Conditions.

Freelook Period

Workmen’s Compensation policies do not include a freelook period.

Features

Policy Cancellation

By the Insurer - The insurer may cancel the policy by giving 30 days’ written notice to the last known address of the insured.
By the Customer - The insured may cancel by providing 30 days’ written notice to the insurer.

Refund Conditions

Voluntary cancellations: No refund.
Involuntary cancellations: Pro rata refund, provided no paid or outstanding claims exist during the policy tenure.

Transparency

Key Facts Statement

Still got questions?

: Workmen’s Compensation Insurance provides statutory protection to employees who suffer work‑related injuries, disabilities, or death. It covers the employer’s legal liability as mandated by local labor laws.
: All employees working under the employer — full‑time, part‑time, or contractual — are covered for occupational injuries, illnesses, or accidents that occur during work or while performing work‑related duties.
: The policy typically covers:

Accidental death compensation

Permanent total or partial disability benefits

Medical expenses related to workplace injuries

Repatriation costs (where applicable)
Coverage is paid as per the compensation formula stated in local labor laws or policy terms.
: Yes. Medical expenses for treatment, hospitalization, and rehabilitation arising from a work‑related injury are reimbursed as per the policy terms and approved medical tariffs.
: Third‑Party Liability (TPL) Insurance covers the insured’s legal liability for bodily injury, death, or property damage caused to external persons due to the insured’s business operations, products, or activities.
: A third party includes any individual who is **not** an employee of the business — such as customers, visitors, vendors, contractors, and members of the public who may be affected by the business operations.
: TPL covers:

Injury to non‑employees due to business operations

Damage to third‑party property

Legal defense costs and court‑awarded compensation
Coverage applies up to the sum insured specified in the policy.
: Common exclusions include:

Intentional misconduct or negligence

War, terrorism, or nuclear risks (unless covered by extension)

Contractual liabilities beyond statutory requirements

Non‑work‑related injuries (for Workmen’s Compensation)
Exclusions vary by insurer and must be referred to in the policy’s Terms & Conditions.
: Yes. In UAE jurisdictions, Workmen’s Compensation insurance is a legal requirement for all employers. Third‑Party Liability insurance is also mandatory & is strongly recommended for risk protection and may be required for contracts, permits, or regulatory approvals.
: Claims can be submitted through the insurer using the following steps:

Notify the insurer immediately after the incident

Submit required documents (accident report, medical bills, witness statements, etc.)

Cooperate with the insurer’s investigation

Await approval and settlement
Most insurers also offer online claim portals for faster processing.

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