Workmen Compensation Policy
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وثيقة تأمين سفر
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ADD EMPLOYEES
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اضافة موظفين
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Upload Members / تحميل الاعضاء
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| Emp.Code : |
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الرمز الوظيفي |
| * Name : |
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الاسم * |
| * Designation : |
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المهنة * |
| * Business Activity : |
| النشاط التجاري * |
| * Yearly Wages : |
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الرواتب السنوية * |
| * Civil ID |
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الرقم المدني * |
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EMPLOYEE DETAILS
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بيانات الموظف
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| COVERAGE BENEFITS |
مزايا التغطية |
| This policy is subject to the local law governing compensation for occupational injuries and illnesses as per the Sultani Decree No.40 of 1977.
Compensation in respect of capital benefits due to death or permanent total disablement increased to RO.5,000/- per person. Other capital benefits increased proportionately in accordance with scale prescribed in the Royal Decree 40/77.
This policy covers Medical Expenses incurred in the Sultanate of Oman for accidental injury arising out of and in the course of employment upto a maximum amount of RO. AS PER SULTANI DECREE per person per accident subject to an excess of RO.10 for each and every claim.
The policy is extended to cover Medical Expenses incurred outside the Sultanate of Oman as a result of accidental injury arising out of and in the course of employment, provided that the entire treatment outside Oman is duly certified as necessary by the appropriate medical authority in Oman, the limit of liability under this section being RO. 1,000/-
This policy covers reasonable expenses incurred by the insured for repatriation of :
i) The injured workman and escort where necessary to his country of origin following injury or permanent disablement caused by accidental injury
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ii) Repatriation of dead body of insured workman upto destination airport/seaport in the country of origin, provided death occurred following an injury in respect of which a claim is admitted under the policy.
No claim shall lie under this extension for repatriation of dead body following death by natural causes.
Costs payable to include travel and cost of embalming the body etc. But funeral expenses excluded.
iii) Limit of liability any one claim RO. 750/- in respect of (i) and (ii) above.
Cover to be on 24 Hours basis whether the insured workman is on duty or not.
This policy does not indemnify the Insured in respect of any claim arising in connection with :
i) Racing pace-making or speed test/reliability trials of automobiles.
ii) Any work of demolition.
iii) Whilst the insured person is in a state of unsound mind.
iv) Fits, hernia, illness of any kind, venereal diseases, pregnancy or confinement, suicide, self-inflicted injury, willfull exposure to danger, flagrant violation of safety rules at place of work.
v) Any action done by the employee while under the influence of intoxicating alcohol or drugs or any unlawful act on the part of insured person.
vi) The Company shall not be liable under this policy in the event of any entitlement under the personal accident / passengers liability under a motor policy, in the Sultanate of Oman, other than for any amount due in excess of such payment.
It is hereby declared and noted that claims for medical expenses under this policy incurred in the Sultanate of Oman for accidental injury arising out of and in the course of employment to be supported by diagnostic investigation reports, certificates and authorised medical bills from Government hospitals in the Sultanate of Oman.
Notwithstanding anything herein contained in the policy to the contrary, it is hereby declared and agreed that the insurance by this shall not extend to cover death or disablement resulting directly or indirectly caused by or contributed or aggravated or prolonged by childbirth or pregnancy or the result or consequence thereof.
Subject otherwise to the terms, conditions and warranties of the policy of insurance.
Excluding Sabotage & Terrorism and War risks.
Excluding Epidemic and Pandemic conditions and diseases.
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| SPECIFIC EXCLUSIONS: |
الاستثناءات |
| Kindly note that this insurance shall not cover:
(i) Any operations/activities in connection with Oil Rigs,Mining,Quarrying,Wharfs,Jetties and the like.
(ii) Any off-shore/underground/sub-aqueous/tunnelling operations and/or activities.
(iii) Any operations/activities involving the use of explosives
(iv) Drilling,production,refining,storage,transportation or distribution of oil,natural gases the like.
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