What are the benefits offered under the Domestic Helpers Protection Plan?

The Domestic Helpers Protection Plan covers the repatriation expenses of the domestic helper (the insured person) to their home country and/or a compensation benefit for the sponsor (the policyholder). Below are the details of the benefits offered for the events covered by the plan:

 

A. Standard repatriation expenses for the domestic helper:

1. Repatriation expenses benefit due to failure to pass the mandatory medical examination upon the renewal of their residency and work permit.
2. Repatriation expenses benefit due to absconding from the sponsor. 
3. Repatriation expenses benefit due to death while being under the policyholder’s sponsorship.

 

B. Standard compensation benefit for the sponsor:

1. Lump sum cash payment to the sponsor in the event of the death of the domestic helper whilst being under their sponsorship. 
2. Lump sum cash payment to the sponsor in case the domestic helper fails to pass the mandatory medical examination for the purpose of renewing their residency and work permit.

 

C. Additional optional compensation benefit:

1. Lump sum cash payment to designated beneficiaries of the insured person (the domestic helper) upon death while being under the sponsorship of the policyholder.  

 

What is the amount payable for each benefit?

A. Repatriation expenses:

1. In case the domestic helper fails to pass the mandatory medical examination when renewing their residency and work permit, AXA will cover the actual cost of an economy ticket to fly them back to their home country, subject to the limit specified in the policy schedule.
2. In case the domestic helper absconds from their sponsor, AXA will cover the actual cost of an economy ticket to fly them back to their home country subject to the limit specified in the policy schedule. 
3. In case the domestic helper passes away under the policyholder’s sponsorship, AXA will appoint a third party administrator to assist the policyholder in the repatriation of their mortal remains and will cover all necessary travel expenses incurred for the repatriation up to the destination airport that is nearest to the domestic helper’s place of residence in their home country (subject to the limit specified in the policy schedule). 

B. Compensation benefit:

1. In case the domestic helper fails to pass the mandatory medical examination when renewing their residency and work permit, AXA will pay AED 5,000 to the sponsor.  
2. In case the domestic helper passes away whilst still under the sponsorship of the policyholder, AXA will pay AED 5,000 to the sponsor.  

C. Optional compensation benefit:

1. The policyholder may subscribe to an optional compensation benefit for their insured domestic helper: in case the insured person passes away whilst still under their sponsorship,  AXA will pay a lump sum of AED 50,000 to the designated beneficiaries of the insured (the domestic helper) if the event occurs during the period of the insurance. 

 

What expenses are covered in case of repatriation of mortal remains of the insured person, and what expenses are not? 

Covered: 

The expenses covered under this benefit are the cost of embalming the body, the cost of coffin, the cost of Air Waybill cargo of the human remains from the United Arab Emirates to the airport in the home country of the insured person and the cost of legal repatriation documents.

Not covered:

The expenses not covered under this benefit are the cost of re-coffin of the body, the personal belonging cargo expenses, the clearance and transportation fees inside the home country and the funeral expenses or cremation of the body.

 

What are the exclusions applicable to the policy?

Exclusions applicable to all benefits:

1. War or war-like operations
2. Criminal acts
3. Pandemic/epidemic

Additional exclusions on the “Death Any Cause” cover:

1. Suicide
2. Cancer
3. Hepatitis C
4. History of Ischemic Heart Disease, Cardiomyopathy, Valvular Disease, Angina, Atherosclerosis, Heart Attack, Heart Failure and Transient Ischemic Attacks
5. Renal Dialysis
6. Stroke

How can I apply for Domestic Helpers Protection Plan?

You can subscribe to a Domestic Helpers Protection Plan by contacting AXA at domestichelpers@axa-gulf.com or by calling 800 AXA(292).

 

What premium do I have to pay to purchase the policy?

For one-year policy duration: the premium payable is AED 100 for repatriation related benefits and AED 100 for optional Death Any Cause cover.

For two-year policy duration: the premium payable is AED 200 for repatriation related benefits and AED 200 for optional Death Any Cause.

 

What are the age limits applicable for the insured person?

This policy only covers the domestic helpers who are aged between 18 and 64 years upon inception of the plan.

 

What is the territorial scope of the policy?

This policy is limited to territorial boundaries of United Arab Emirates only.

 

How can I contact AXA for claims intimation?

To declare and register a claim, please contact: domestichelpers.claims@axa-gulf.com or call AXA’s customer service team at 800 AXA(292).

 

What documents should I submit in case of claim?

For repatriation expenses and compensation benefit in case of failure to pass the mandatory medical examination for the purpose of renewing the actual residency visa:

 

1. Repatriation expenses and compensation benefit claim form.
2. The policy schedule.
3. Clear copy of the medical examination certificate confirming insured person failing to pass the mandatory medical examination.
4. Clear copy of passport with residence visa page for the insured person.
5. Clear copy of national identity document or passport with residence visa page for the claimant (the sponsor).
6. Any other document that AXA might deem necessary to request at the time of the claim. 

 

For Repatriation Expenses Benefit due to absconding:

1. Repatriation expenses claim form.
2. The policy schedule.
3. Clear copy of the document filed with the relevant authorities when the insured person (the domestic helper) was reported as absconding.
4. Clear copy of the police report after the insured person was arrested.
5. Clear copy of passport with residence visa page for the insured person.
6. Clear copy of national identity document or passport with residence visa page for the claimant (the sponsor).
7. Any other document that AXA might deem necessary to request at the time of the claim. 

For Repatriation Expenses and Compensation Benefit due to death of the insured person:

1. Repatriation expenses and compensation benefit claim form.
2. The policy schedule.
3. Clear copy of the death certificate for the insured person.
4. Clear copy of passport with residence visa page for the insured person.
5. Clear copy of national identity document or passport with residence visa page for the claimant (the sponsor).
6. Any other that AXA might deem necessary to request at the time of the claim.

Please note that documents may be required to be presented to AXA in original form for verification purposes before the final settlement of claim.

 

What is the applicable notice period to report a claim?

AXA should be notified as soon as possible prior to the policy expiration date, in case of any incident which may give rise to a claim. The notice period after the policy expiration is limited to a maximum of 30 days.

 

What nationalities are covered under the policy?

Under Domestic Helpers Protection Plan, the insured person is the domestic helper as per the definition of the UAE Ministry of Labour, holding a valid residency with the policyholder (the sponsor).

 

How can I cancel the policy?

This policy cannot be cancelled by the policyholder and/or the insured person. The policy automatically expires after the term date of the policy.  

 

Is there any surrender value associated with the policy?

This policy has no surrender value.

 

Which payment currencies and payment methods can I use to subscribe to the plan? 

The accepted premium currency for this plan is the United Arab Emirates Dirham, payable by credit card. Premiums and benefits can be payable in this currency only.

 

Is there any grace period for payment of the premium upon renewal?

A grace period of 30 days is available at the time of renewal of the policy. If the due renewal premium remains unpaid after the grace period, the policy will lapse and benefits will not be payable. The policy will be void from the policy effective date.

 

 

Please refer to the policy wording for more details about the product.