Pravasi Protection Plan (PPP)

The Pravasi Protection Plan benefits workers by providing coverage that extends beyond workplace accidents to include even natural deaths and accidental disabilities, ensuring financial compensation for their families /dependents under any circumstance.
While some workers may have Group Medical insurance or Workmen's Compensation Insurance provided by their employer, these policies mainly cover accidents and injuries sustained in the workplace.

For employers, it is a low-cost initiative to enhance employee welfare, bridge gaps in coverage, and contribute to a financially resilient workforce.

• Does not cover Accidental Death, outside work hours
• Does not cover Permanent Total Disability (PTD), outside work hours
• Does not cover Permanent Partial Disability (PPD), outside work hours
• Coverage for Repatriation of mortal remains does not include travel expenses of family/relatives of the deceased
• Employee receives compensation (except in case of death)
• Mandatory for free zone companies

• Covers Death Due to Any Cause, Natural and Accidental
• Covers Permanent Total Disability Due to Any Cause
• Covers Permanent Partial Disability Due to Any Cause
• Coverage for Repatriation of mortal remains includes travel expenses of family/relatives of the deceased
• Beneficiary of the deceased receives compensation
• Optional Coverage

Therefore, opting for the Pravasi Protection Plan along with an existing WC policy means you can claim compensation under both policies in the case of death/disability due to a work-related incident.

This Group scheme requires a minimum enrollment of 5 Indian nationals or 10 individuals of any other nationality. If the group size is less than 10, a Health Declaration for each member must be provided for coverage consideration prior to confirmation.

Yes, the Pravasi Protection Plan covers death resulting from pre-existing/chronic conditions after a waiting period of 3 months from the policy’s inception date or the member’s enrolment date, whichever is later.
However, disability resulting from pre-existing/chronic conditions is excluded from coverage for the first 6 months from the date of joining.

Employees between the ages of 18 to 70 with valid UAE employment visas are eligible for this scheme.

No, the Pravasi Protection Plan is specifically designed for Non-Insured groups under the GLPA plan.

However, such companies can be incorporated into the PPP after a thorough review of their current policy. To be eligible, the company must have had no claims in their GLPA policy for the last 12 months before joining the PPP scheme.

Yes, separate policies can be issued for Indians and workers of other nationalities under this plan.

Yes, eligibility extends to employees sponsored under a Spouse visa having a valid UAE work permit, with the condition that their salaries are disbursed by the employer via Wages Protection System (WPS).

No, this plan does not provide coverage for dependents/personal or domestic workers. Dependents are the financial beneficiaries in case of death/disability of the worker enrolled in the scheme.

As of now, the policy is specifically designed as a Group Life Insurance to be opted by corporates/SMEs to provide financial welfare to employees and their dependents. By opting for a holistic cover under group schemes, companies can safeguard the financial security of their workforce, creating a culture of comprehensive care and support.

• Active participation in a war or warlike operations
• Destructive agents exclusion
• Act of terrorism
• Any breach of law or participation in a criminal act
• Coverage for death due to suicide is excluded for the first six months from the policy’s inception date.
• Pre-existing conditions are excluded for the first three months from the date of joining.
• Attempted suicide or self-inflicted injuries.
• Injuries sustained while attempting to violate any law or resist arrest.
• Accidents caused by the use of intoxicating liquor or drugs.
• Injuries due to engagement in hazardous sports activities
• Any disability resulting from medical conditions.
• Injuries caused by nuclear fusion or radioactive contamination.
• Accidents due to involvement in Professional Sports or underwater activities
• Injuries sustained during military service in Navy, army, or air force
• Mental illness or disease
• Pregnancy, childbirth or abortion or any complication arising there from.
• Infection from HIV, AIDS or AIDS-related conditions

No, eligibility for this scheme is limited to corporate entities in UAE and for companies that have operations within the UAE. Companies with branches in other GCC countries are not eligible to include their employees under this scheme.

Yes, they can join under this scheme, provided that compulsory coverage is extended to all Indian nationals with valid UAE Employment Visa /work permit before onboarding.

Yes, the policy covers the expenses for relatives or family members of the deceased to travel from their home country to the UAE for formalities. The coverage includes repatriation expenses (for death only), with a limit of AED 12,000 per employee, including the cost of the accompanying person.

• Faster Claim Settlement - Claims will be settled within 10 working days from the date of submission of documents. 
• Streamlined Process - The insurance intermediary will share an enrolment list of companies with the Indian Consulate who will monitor and ensure that the compensation money for the deceased reaches the beneficiaries.
• Affordable Rates - As this policy is issued as an umbrella policy, the renewal premium will be calculated considering the overall member count, premiums involved, and claims performance of the portfolio.  

Yes, the claim payouts will be transferred to the corporate entity, which is the legal policyholder. The policyholder understands and undertakes that it is obliged to pay and will pay the claim(s) amount(s), paid by the company to the insured person(s) or his/her legal nominees.