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Group Life Insurance | Al Buhaira Insurance

Group Life Insurance provides coverage to a group of people such as employees of an organization or members of an association under a single contract.

These policies offer worldwide coverage on a 24-hour basis and provide broader protection than statutory workmen’s compensation policies.

A minimum of 10 members is typically required and all employees must be covered under the policy.

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Benefits

  1. Death Due to Any Cause (DAC) – Pays the agreed sum insured in case of death due to sickness or accident.
  2. Permanent Total Disability due to Sickness – Pays the life sum insured if the member becomes permanently disabled.
  3. Permanent Partial Disability due to Accident – Compensation according to the Continental Scale of Benefits.
  4. Permanent Partial Disability due to Sickness – Compensation for loss of limbs, organs or sight.
  5. Temporary Total Disability due to Accident – Weekly salary compensation up to 100% during disability.
  6. Temporary Total Disability due to Sickness – Weekly salary compensation for up to 52/104 weeks.
  7. Medical Expenses due to Accident – Coverage for accident-related medical costs.
  8. Repatriation Expenses – Cost of repatriating mortal remains or disabled members to their home country.
  9. Terminal Illness Benefit – Paid if life expectancy is less than 6 months.
  10. Critical Illness Benefit – Lump sum payment for illnesses such as cancer, stroke, heart attack, organ transplant or kidney failure.
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Basis of Sum Insured

  1. Multiples of employee income
  2. Flat sum insured
  3. Different coverage based on employee seniority
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Free Cover Limit

Members can be covered automatically up to a specified limit without medical underwriting.

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Age at Entry

Minimum entry age is 18 years and maximum entry age is 64 years.

Age Limit

Coverage applies between 18 and 65 years. Members aged 65-70 may be covered subject to policy terms.

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Group life insurance provides financial protection to a group of people, usually employees of a company.

In the event of an employee’s death, the insurance policy pays a death benefit to the designated beneficiaries to support their financial needs.

Employers often provide group life insurance to attract and retain talent and to ensure financial security for employees’ families.

Group policies are usually more cost-effective than individual policies because the risk is spread across a larger group.

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Why Choose Al Buhaira Insurance

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