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Employees work hard to provide profits to their Employer’s business. They work hard to provide decent living for their families’ future as well.

Our Employee benefits products are the best gift Employers can provide to their Employees and to their families, assuring them protection against unforeseen events. The benefits can be a combination of one or more of the following coverage.

Comprehensive Group Life & Medical Benefits

Group Life Additional Benefits:

Terminal illness

Accidental Death

Permanent Total Disability

Permanent Partial Disability

Accident Medical Reimbursement

Repatriation Expenses

Temporary Total Disability

Long-term Disability

Critical Illness

Life Benefit
A lump sum benefit amount is paid in case of LOSS OF LIFE DUE TO ANY CAUSE anytime and anywhere in the world. The cover can be extended to cover loss of life due to Passive War. Employers have flexible options in benefit selection according to their Employees’ needs and the corporate HR philosophy: Fixed insurance amount, multiple of income insurance, or benefit scales per employees' grades.

Group Life Additional Benefits:

Terminal Illness
Terminal Illness is an additional feature of Group Life insurance benefit that pays half of the insurance (Life Benefit) and proceeds in advance in case an Employee is diagnosed with terminal illness. The remaining Group Life Insurance benefit will be payable to the beneficiaries following Employee's loss of life.

Accidental Death
Corporate can add an extra layer of protection to its Employees while maintaining the standard Group Life benefits. This benefit provides additional insurance proceeds in case of Employee‘s loss of life due to accident anytime anyplace.

Permanent Total Disability
A lump sum is paid in case the Employee suffers a permanent and total disability due to accident or sickness and cannot perform his/ her own occupation or any occupation for which she or he is suited by reason of education, training or experience.

Permanent Partial Disability 
A proportionate percentage of the Group Life Benefit is payable to the Employee as per the Schedule of Payments provided by Chubb Life in case of partial loss or non-functionality of specific parts of the body due to accident or sickness.

Accident Medical Reimbursement
A Reimbursement of medical expenses, in case of injury caused by accident, up to a certain period and amount. The expenses covered under this benefit include treatment by a Physician, the use of hospital facilities, or the employment of a licensed nurse.

Repatriation Expenses 
This benefit covers the expenses incurred in returning the body to the Employee’s residence or the country of origin, including but not limiting to the cost of embalming, coffin and transportation of the body.

Temporary Total Disability
Temporary weekly income replacement. Chubb Life will pay a percentage of the weekly income of the Employee for a number of weeks or until recovery in case of temporary total disability resulting from accident or sickness while the Employee is unable to perform his/ her own occupation.

Long Term Disability
This benefit is a Long-term monthly income replacement. This master disability benefit provides a substitute for the totally disabled Employee until retirement age, death, or recovery, whether disability is caused by accident or sickness.

Critical Illness
The Employee will receive a lump sum benefit in case of diagnosis of one or more critical illnesses:

  • Blindness
  • Coronary Artery Bypass Grafting
  • Heart Attack
  • Heart Valve Surgery
  • Kidney Failure
  • Life Threatening Cancer
  • Major Organ Transplant
  • Paralysis
  • Stroke
  • Coma
  • Severe Burns

Comprehensive Medical Benefits 
Chubb Life offers Group Medical benefits for Employers who desire the best yet appropriate medical care benefits for their Employees and families with six levels of benefits:

  • Diamond
  • Premiere Plus
  • Premiere
  • Select
  • Standard
  • Group In-patient Only Plan

Chubb has contracted with almost all top medical providers in the Gulf region to meet the various needs for various plans. Examples of Chubb medical providers are:-

  • American Hospital (UAE)
  • Welcare Hospital (UAE)
  • Al Zahra Hospital (UAE)
  • Noor Specialist Hospital (Bahrain)
  • Doha Clinic Hospital (Qatar)
  • Safat American Hospital (Kuwait)
  • International Clinic (Kuwait)
  • Muscat Private Hospital (Oman)

Additionally, Chubb medical networks include hundreds of private specialists' clinics, laboratories, and pharmacies across the region.

Plan Coverage
The medical plans comprehensively cover in-hospital and in-clinic medical services. And, this includes:-

  • All that is necessary to diagnose and treat a medical condition (consultations, surgeries, lab tests, MRI, medicines...).
  • The on-going treatment and medication of chronic conditions (hypertension, heart, diabetes …) as long as the insured member remains active at work with the Employer.
  • Inpatient expenses related to charges for room & board, nursing care, and all other hospital services and supplies used for medical care in the hospital.
  • Organ transplant (kidney, liver,…), renal dialysis and home nursing.
  • Medical radiology services, including x-ray, CT scan, and MRI.


For further Information please contact us on
Sharjah office Tel : + 971 6 5196100
Dubai office Tel : +971 4 4225000
Sharjah office Fax: + 971 6 5541121
Dubai office Fax : +971 4 4340313