![joint-banner](./assets/images/joint-banner.png)
Joint initiative between Indian Consulate, Orient Insurance and Gargash Insurance.
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Option 01
AED 35,000
Sum Assured
(Per Person)Annual Premium AED 37 -
Option 02
AED 50,000
Sum Assured
(Per Person)Annual Premium AED 50 -
Option 03
AED 75,000
Sum Assured
(Per Person)Annual Premium AED 72
Features and Benefits of Pravasi Protection Plan
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Financial Security for Dependents
In the unfortunate event of a worker's death, whether on or off the job, the Pravasi Protection Plan provides financial compensation directly to the worker's dependents or nominated beneficiaries, offering a safety net during difficult times.
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Protection Beyond Workplace Accidents
The Pravasi Protection Plan extends coverage to include natural or accidental deaths and disabilities, ensuring financial compensation for workers' families and dependents under any circumstance.
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Affordable Premiums for Employers
Employers can take advantage of the Pravasi Protection Plan at an incredibly low annual premium of just AED 37 per person, making it an affordable and cost-effective initiative to enhance employee welfare and contribute to a financially resilient workforce.
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Fast and Efficient Claim Settlement*
With the Pravasi Protection Plan, claims are settled within 10 working days from the date of submission of documents, ensuring swift resolution and providing timely financial support to beneficiaries.
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Streamlined Enrollment Process
Enrolling in the Pravasi Protection Plan is simple and hassle-free. Employers only need to provide the list of active employees with valid UAE employment visas, making the enrollment process quick and effortless, ensuring maximum protection for the entire workforce.
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Repatriation and Travel Expense Coverage
The Pravasi Protection Plan also covers repatriation and travel expenses, ensuring that the costs associated with family members or loved ones traveling from overseas are taken care of during challenging times, providing support and easing financial burdens
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Regulated Compensation by Indian Consulate
The compensation money for the deceased worker is regulated by the Indian Consulate and managed by Orient Insurance Company / Gargash Insurance, ensuring transparency and accountability in the process. This adds an extra layer of trust and reassurance for both employers and beneficiaries
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Holistic Group Coverage for Companies
By opting for the Pravasi Protection Plan as a group scheme, companies can safeguard the financial security of their entire workforce. This creates a culture of comprehensive care and support, enhancing employee welfare and fostering a sense of belonging within the organization
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Renewal Premium Calculation
The renewal premium for the Pravasi Protection Plan is calculated based on factors such as overall member count, premiums involved, and claims performance of the portfolio. This ensures that the plan remains affordable and cost-effective for employers over time.
PPP in the News
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The Pravasi Protection Plan (PPP) bridges a critical gap in coverage: Gargash Insurance
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Indian Consulate in Dubai facilitates launch of new insurance plan to aid deceased workers’ families
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Indian workers in UAE to benefit from New Life Protection Plan (LPP)
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New death insurance cover for indian blue-collar workers
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Indian consulate in Dubai unveils life protection plan for blue-collar workers
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Indian consulate in Dubai launches new insurance package for blue-collar workers
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Life protection plan for Indian blue-collar workers unveiled in the UAE
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UAE Unveils Life Protection Plan For Indian Labourers – Up To AED 75,000 In Compensation
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Novel Insurance Scheme Launched For Indian Workers In UAE With Coverage For Natural Deaths
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Our Customers, Our Voice
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We couldn't be more satisfied with their services. I've experienced nothing but professionalism, reliability and exceptional service.
Thank you so much Irfan pasha and the medical department ...
- Onyx Medical Center -
I recently had the great pleasure coordinating with VEENA QUADROS Customer Services Officer and RAJIT BANERJEE | Account Executive to obtain group health insurance for my staff. They were incredibly professional, knowledgeable, and responsive throughout the entire process. They took the time to understand our unique needs and provided valuable guidance on selecting the right insurance plan. They were patient and answered all of our questions promptly, making the process seamless and stress-free. I highly recommend Veena and Rajit for anyone seeking expert assistance in obtaining insurance for their team.
- Dany Dsouza -
Best company
Great customer service I had received from your team, I have applied for group company insurance with Ms.Robins G Varghese and working with her was great experience. Just want to say thank you for your time and assistance.
I appreciate the information and advice you have shared.
- Tooba Yousefi -
Muhammad Arshad, Customer Service Officer at your company provided us courteous, prompt and seamless service for our health insurance cover. It was indeed way beyond the call of his duty ! It is a pleasure to interact with such a proactive customer facing officer.
- Harish Bhambhaney -
I had the opportunity to interact with Vishnu yesterday and for sure I will make Gargash my first port-of-call for all future insurance needs. We had something to be done urgently which, in a nutshell, required the policy to be issued within a span of a few hours.
Upon our request, Vishnu pulled out all the stops in order to make this happen - right from understanding our exact need, recommending the right products, processing the paper-work and issuing the medical card ALL was done within a span of a few hours.
What was great was his responsiveness and driving a consistent feedback loop through emails and phone calls. Unlike others who keep repeating SLAs/Time-lines etc, Vishnu was a delight to work with.
Thank you Vishnu, for all that you did yesterday
- Gaurav Rustagi -
We have been with Gargash Insurance for a few years now,Ms.Zyra and her team helpful for any situation.She’s professional and pleasure to deal with.Always has the answers for me and is quick to respond to my messages and phone calls.This is one reason I remain a royal Gargash Insurance customer.Good Rates on my insurance needs,too!Zyra.
- Tony Thomas -
Extremely pleased with Veena Quadros's calibre of assistance and expertise. She was really helpful and provided me with just what our business required.
- Joan Rocamora -
My insurance policy was handled by Ms. Khyati Khatri.and I must say that she handled the whole process efficiently/professionally and was very prompt in my queries.
She is quick, polite and professional.
- haider ali ladha
FAQ about Pravasi Protection Plan
The Pravasi Protection Plan (PPP) is a safety net for families of expatriate workers in the UAE. Primarily a life insurance plan that caters to Indian expatriate workers, its benefits can be extended to workers of other nationalities as well.
In case of a worker's death from natural or accidental causes, on or off the job, the Pravasi Protection Plan provides financial compensation directly to their dependents or nominated beneficiaries. Developed in collaboration with the Indian Consulate, Orient Insurance, and Gargash Insurance Services, the Pravasi Protection Plan ensures peace of mind by safeguarding the financial well-being of workers' families in the event of an unforeseen accident or untimely death.
The Pravasi Protection Plan benefits workers by providing coverage that extends beyond workplace accidents to include even natural deaths and accidental disabilities, ensuring financial compensation for their families /dependents under any circumstance.
While some workers may have Group Medical insurance or Workmen's Compensation Insurance provided by their employer, these policies mainly cover accidents and injuries sustained in the workplace.
For employers, it is a low-cost initiative to enhance employee welfare, bridge gaps in coverage, and contribute to a financially resilient workforce.
- Does not cover Accidental Death, outside work hours
- Does not cover Permanent Total Disability (PTD), outside work hours
- Does not cover Permanent Partial Disability (PPD), outside work hours
- Coverage for Repatriation of mortal remains does not include travel expenses of family/relatives of the deceased
- Employee receives compensation (except in case of death)
- Mandatory for free zone companies
- Covers Death Due to Any Cause, Natural and Accidental
- Covers Permanent Total Disability Due to Any Cause
- Covers Permanent Partial Disability Due to Any Cause
- Coverage for Repatriation of mortal remains includes travel expenses of family/relatives of the deceased
- Beneficiary of the deceased receives compensation
- Optional Coverage
Therefore, opting for the Pravasi Protection Plan along with an existing WC policy means you can claim compensation under both policies in the case of death/disability due to a work-related incident.
This Group scheme requires a minimum enrollment of 5 Indian nationals or 10 individuals of any other nationality. If the group size is less than 10, a Health Declaration for each member must be provided for coverage consideration prior to confirmation.
Yes, the Pravasi Protection Plan covers death resulting from pre-existing/chronic conditions after a waiting period of 3 months from the policy’s inception date or the member’s enrolment date, whichever is later.
However, disability resulting from pre-existing/chronic conditions is excluded from coverage for the first 6 months from the date of joining.
Employees between the ages of 18 to 70 with valid UAE employment visas are eligible for this scheme.
No, the Pravasi Protection Plan is specifically designed for Non-Insured groups under the GLPA plan.
However, such companies can be incorporated into the PPP after a thorough review of their current policy. To be eligible, the company must have had no claims in their GLPA policy for the last 12 months before joining the PPP scheme.
Yes, separate policies can be issued for Indians and workers of other nationalities under this plan.
Yes, eligibility extends to employees sponsored under a Spouse visa having a valid UAE work permit, with the condition that their salaries are disbursed by the employer via Wages Protection System (WPS).
No, this plan does not provide coverage for dependents/personal or domestic workers. Dependents are the financial beneficiaries in case of death/disability of the worker enrolled in the scheme.
As of now, the policy is specifically designed as a Group Life Insurance to be opted by corporates/SMEs to provide financial welfare to employees and their dependents. By opting for a holistic cover under group schemes, companies can safeguard the financial security of their workforce, creating a culture of comprehensive care and support.
- Active participation in a war or warlike operations
- Destructive agents exclusion
- Act of terrorism
- Any breach of law or participation in a criminal act
- Coverage for death due to suicide is excluded for the first six months from the policy’s inception date.
- Pre-existing conditions are excluded for the first three months from the date of joining.
- Attempted suicide or self-inflicted injuries.
- Injuries sustained while attempting to violate any law or resist arrest.
- Accidents caused by the use of intoxicating liquor or drugs.
- Injuries due to engagement in hazardous sports activities
- Any disability resulting from medical conditions.
- Injuries caused by nuclear fusion or radioactive contamination.
- Accidents due to involvement in Professional Sports or underwater activities
- Injuries sustained during military service in Navy, army, or air force
- Mental illness or disease
- Pregnancy, childbirth or abortion or any complication arising there from.
- Infection from HIV, AIDS or AIDS-related conditions
No, eligibility for this scheme is limited to corporate entities in UAE and for companies that have operations within the UAE. Companies with branches in other GCC countries are not eligible to include their employees under this scheme.
Yes, they can join under this scheme, provided that compulsory coverage is extended to all Indian nationals with valid UAE Employment Visa /work permit before onboarding.
Yes, the policy covers the expenses for relatives or family members of the deceased to travel from their home country to the UAE for formalities. The coverage includes repatriation expenses (for death only), with a limit of AED 12,000 per employee, including the cost of the accompanying person.
- Faster Claim Settlement - Claims will be settled within 10 working days from the date of submission of documents.
- Streamlined Process - The insurance intermediary will share an enrolment list of companies with the Indian Consulate who will monitor and ensure that the compensation money for the deceased reaches the beneficiaries.
- Affordable Rates - As this policy is issued as an umbrella policy, the renewal premium will be calculated considering the overall member count, premiums involved, and claims performance of the portfolio.
Yes, the claim payouts will be transferred to the corporate entity, which is the legal policyholder. The policyholder understands and undertakes that it is obliged to pay and will pay the claim(s) amount(s), paid by the company to the insured person(s) or his/her legal nominees.