UAE Insurance Scheme is trending over the internet. The Insurance scheme for Indian Expat workers in UAE is the need of the hour! With more than 4.5 million strong Indian expat communities in the UAE, Indian blue-collar workers make up around 65 percent of the Indian population and are one of the largest migrant workers in the UAE.
These workers are not only an important piece of the backbone of the Emirates economy but the whole backbone of their families back in India. Thus, a need for Indian blue-collar worker insurance in UAE, a comprehensive insurance policy is needed for the UAE worker insurance benefits and the protection of the interests of these workers in case of both natural as well as accidental death or damages.
What Is the UAE Life Protection Plan (LPP)?
Effective from 1st March 2024, the Life Protection Plan (LPP) UAE is a government-backed UAE insurance scheme for Indian workers in collaboration with the Indian Consulate General in Dubai. The Scheme is carefully designed to provide compensation to Indian blue-collar workers and their families in case of both death or physical impairment.
The scheme also covers natural as well as work-related accidents. Along with Indian worker protection UAE, the schemes work to provide UAE worker repatriation insurance. The scheme is a major step towards the betterment of UAE labor insurance policies as the scheme offers comprehensive protection, particularly for Indian expats working in labor-intensive sectors.
Benefits of UAE Insurance Scheme for Indian Blue-Collar Employees
The scheme provides ample benefits for Indian workers, which include:
- Comprehensive coverage: Covers a comprehensive age group of 18 to 69 years.
- Nominal Premium: For a sum assurance of DH35,000 ( around 8,17,070 INR) with a premium of just DH 32 ( around 754 INR)
- Government Backed: The whole policy plan is largely backed by the UAE and Indian governments, assuring credibility.
- Includes Natural Death: The Insurance policy not only includes the case of accidental death or onsite deaths but also natural deaths.
- 24 hrs Global Coverage: Along with 24-hour Global coverage, the policy also includes a repatriation cost of up to 12,000 AED.
How To Enroll in UAE Life Protection Plan for Indian Workers?
The overall scheme is not a voluntary or individual scheme that one can enroll in, the scheme offers the companies at large to join the scheme for the protection of their employees or workers. Thus, insurance products can be purchased by businesses in the UAE on behalf of their employees.
So, as a worker, you must reach out to your company supervisors and request enrollment in the insurance policy scheme. Alternatively, you can contact them at [email protected] or by calling 0527172944/0526167787.
Eligibility Criteria for Indian Expat Worker Insurance in UAE
Although the Scheme is comprehensive, but still requires an eligibility criterion for Indian workers that includes. Thus, below are the UAE LPP insurance details that clarify eligibility criteria:
- Valid work visa: To get enrolled in the scheme, the worker has to have a valid work visa
- Enrolled in Blue collar employment: The person has to be employed in a blue-collar job in the UAE to be able to apply for the scheme.
- Age Requirement: The person should fit in the range of the age issued under the scheme, i.e. 18 to 70 years.
- Registered employee: The person wishing to apply for the scheme should be registered under the UAE labor system.
Key Features of the Insurance Scheme
The scheme of Insurance for Indian workers in UAE offers a variety of important features, including:
- Death Coverage – Under the scheme, UAE worker death compensation is up to 100 percent in given cases for both natural as well as accidental deaths.
- Disability Coverage: Compensation is also presented for permanent total or partial disability resulting from accidents
- Repatriation Expenses: The insurance policy ensures Repatriation Expenses of up to 12,000 AED with a 24 hrs global support.
Cost and Coverage of UAE Life Protection Plan for Indian Workers
The sum assured and corresponding annual premiums or the Life Protection Plan premium UAE are structured as follows:
| Sum Assured Options | Annual Premium Per Person |
| AED 35,000 per person | AED 37 |
| AED 50,000 per person | AED 50 |
| AED 75,000 per person | AED 72 |
Latest Update Of Insurance Scheme for Indian Expat Workers in UAE 2025
The announcement of the launch of the Group Protection Insurance along with the Indian Consulate Insurance Scheme UAE is a step forward in the direction of Blue-collar worker welfare UAE.
The Dubai National Insurance said the plan primarily targeted Indian blue-collar workers, but they were open to firms signing on workers from other nationalities. That makes the scheme open for all and creates a curative environment for migrant workers in the UAE.
Conclusion
In conclusion, we can say that the UAE has always been a hub for Indian Expat workers. After the launch of the UAE Life Protection Plan (LPP), work in the UAE has become more secure and lucrative, with a life guarantee for both natural and accidental deaths.
With the backing of the UAE and Indian governments, this initiative enhances worker welfare and provides much-needed protection to one of the largest migrant communities in the Emirates.
