Provides coverage for an employer’s two key exposures arising out of injuries sustained by employees – the employer’s statutory liabilities under workers compensation laws and liability arising out of employees’ work-related injuries that do not fall under the workers compensation statute
Workmen’s Compensation Insurance in Qatar is designed to protect the employer against their liabilities to employees in respect of injuries suffered by them in the course of their employment as per Labour Law/Workmen’s Compensation Ordinance. In Qatar, compensation is governed by Part Eleven vide Articles 108 to 113 of Federal Law with various amendments proposed and accepted by the Council of Ministers and followed by Emir’s Order.
The main benefits of Workmen’s Compensation Insurance are as follows:
a) Occupational Death and/or work related Death: QAR 200,000
b) Permanent Disability: Percentage of Death benefits as per the specified scale
c) Loss of Wages (cash allowance): Up to first six months 100% of salary; Beyond six months until full recovery or death or disability: 50% of salary
d) Medical Expenses: Incurred at local Government or public medical centres are fully reimbursable.
In addition to basic Workmen’s Compensation cover the employer can protect himself against the claim made by the employee under Common/Sharia Law up to a selected limit of indemnity which generally varies from QAR 200,000 to QAR 1 million (Employers Liability Insurance).
As an added benefit to employees the Workmen’s Compensation cover can be extended to include accidents occurring within the territorial limits but outside duty hours too in line with the benefits payable under the Labour Law.