Oman United Insurance

Workmen Compensation Insurance

This policy indemnifies the insured or its subsidiaries against all wage replacement and medical benefits to employees injured ‘in the course of employment’ in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence arising under Sultani Decree no. 40/1977 or at Common Law.

This policy covers compensation for such personal injury sustained by the employee(s) by accident or disease arising out of and in the course insured’s employment and pays.

Compensation set out under the law 40/1977.

Common Law.

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Provides compensation to employees in case of accidental bodily injury or disease arising out of or in course of their employment in accordance with Royal Decree 40/1977 .

Key Benefits

Death.
Permanent Partial Disability (PPD).
Permanent Total Disability (PTD).
Temporary Partial or Total Disability (TPD or TTD) (categorized as sick leave wages).
Medical Expenses incurred in the Sultanate of Oman Medical expenses incurred outside Sultanate of Oman provided no adequate medical treatment is available within Sultanate of Oman and that to be certified by the local authorized Medical Board (up to a specified amount to be agreed) per employee.
Territorial Area: Sultanate of Oman .
Medical Expenses incurred in the Sultanate of Oman Medical expenses incurred outside Sultanate of Oman provided no adequate medical treatment is available within Sultanate of Oman and that to be certified by the local authorized Medical Board (up to a specified amount to be agreed) per employee.
Territorial Area: Sultanate of Oman .
Jurisdiction: Sultanate of Oman.

Key Exclusions

Employee who is not a ‘workman’ under the law.
Radioactivity Risks (Radioactive Contamination Clause following CL370 Institute of London Underwriters).
Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons (Reinsurance).
Any direct or indirect loss by infectious disease, outbreak of epidemics & Pandemics.
War, invasion, act of foreign enemy, civil war etc.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

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– Workmen Compensation - Proposal