This policy covers the employees of the Insured whilst on duty and engaged in the execution of the Insured’s business &/or any project undertaken by the Insured, against accidental bodily injury, disablement or death. The injury or illness must arise out of and in the course of employment.
Compensation is payable in accordance with the provisions of the WIBA Act 2007. The maximum benefit is set at 96 months’ salary.
1 Death Paid as 8 earnings. Permanent total disabilities
2 Accidental Temporary Total Disablement Note that it is from “usual” occupation.
3 Accidental medical expenses.
4 Repatriation 100,000/=
5 Artificial Appliances 25,000/=
Death Paid as 8 earnings.
Permanent total disability: Meaning
the loss of one limb or eye, or two or more limbs or eyes, or permanent total disablement. The extend of disability is determined by a the labour officer after filling in the DOSH FORM 1. PTD is also 8 years earnings.
Accidental Temporary Total Disablement Note that it is from “usual” occupation. But inability solely to take part in sports and pastimes cannot be “disablement” in this sense. “Partial” disablement means disablement from a substantial part of the usual occupation. This is what is referred to as weekly benefits limited to 104 weeks.
Accidental medical expenses. This benefit, unlike the others, is on an Indemnity basis, i.e. it reimburses (up to the limit of 100,000) expenses actually incurred.
Additional free benefits