International Income Protection

Have you taken into account what would happen if you were disabled and unable to work as a result of either an illness or injury?

Union Insurance offers you an Income Protection policy that would replace your income in the event that an injury or illness causes a significant work interruption.

Options include Permanent Total Disability (PTD), which provides a lump sum payment in the event the insured is unable to work again and Temporary Total Disability (TTD), providing a monthly benefit where the insured is temporarily unable to work due to an illness or injury; or both.

Permanent Total Disability
Benefits Payments Lump Sum of USD 750,000 max or 5 times your pre-disability earnings including benefits (whichever is lower).
Eligibility Actively at work
Waiting Period Choose between 12 months – 120 months
Pre-existing Conditions If symptoms were present and/or medical advice or treatment was recommended by or received from a physician or other health care practitioner at any time during the thirty (30) month period preceding the inception date of this policy that condition is not covered.
War and Terrorism Covered
Temporary Total Disability
Benefit Payments Total monthly payment of up to 60% of pre-disability earnings including benefits or USD 20,000 (whichever is lower).
Eligibility Actively at work
Waiting Period Choose between 30 –730 days
Benefit Period Choose between 12 – 120 months
Pre-existing Conditions If symptoms were present and/or medical advice or treatment was recommended by or received from a physician or other health care practitioner at any time during the thirty (30) month period preceding the inception date of this policy that condition is not covered.
War and Terrorism Covered

 

Note: Summary of Benefits subject to policy document.

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  • How is Total Disability defined?
  • Total disability means that you are disabled to the extent that you are either temporarily or permanently unable to work in your profession. Temporary Total Disability (TTD) means that you have a temporary disability that renders you incapable of working temporarily. Permanent Total Disability (PTD) means that you have a disability that renders you permanently incapable of working.
  • Who determines that I am totally disabled?
  • A registered medical practitioner must declare that you are totally disabled due to an illness or injury.
  • What is a waiting or elimination period?
  • The waiting period is the time between the date when the accident occurs or the sickness manifests and the commencement of payments of benefits under the policy.
  • You may select your desired waiting period when obtaining a quote or applying for the policy, e.g. 30 days, 180 days, 365 days etc. A longer period will usually result in a lower premium.
  • Who pays for additional underwriter required tests and/or transportation needed to travel to undergo the additional tests?
  • The policy will cover any medical diagnostic / exams costs incurred for establishing of claim or diagnostics tests for determining disability subject to underwriters approval. It will not cover any ongoing medical care costs - only tests to determine the claim and extent of disability on ongoing basis. It will also cover any transportation costs but only where the underwriters disputes a claim and requires the insured to travel to some specific clinic or doctor to undergo tests to verify illness/injury. This would only be applicable where travel is at the underwriters request and with their prior approval.
  • The policy will not cover any tests done at inception for policy purchase or for any transportation costs to medical facilities for tests to establish disability. In addition it will not cover any medical evidence required for claim initiation as the claim would be triggered by an injury / sickness total disability that has already been medically diagnosed and established.
  • What is the frequency of PTD pay?
  • If you are determined to be permanently disabled the PTD benefit will be paid in a lump sum. If you have opted for both PTD and TTD benefits, PTD will be paid upon exhaustion of the TTD benefit.
  • What is the frequency of TTD pay?
  • If you are determined to be temporarily disabled through an injury or illness the TTD benefit will be paid monthly.
  • When will the PTD benefit be payable?
  • The PTD benefit is a lump sum benefit paid when you can no longer perform the duties of your occupation for the remainder of your life. The PTD benefit will be paid upon exhaustion of the TTD benefits purchased and/or after the PTD waiting period or a minimum of 12 months.
  • If I claim for 6 months on TTD and return to work and then suffer a subsequent illness/ injury within the current policy period, is the total available benefit reduced by the benefits previously paid?
  • Provided the subsequent illness or injury is unrelated to the previous condition you will be entitled to the full cover provided under the policy. If the subsequent illness is related to the same condition (a recurring condition) for which a benefit was previously paid occurs within 60 days then the payments will resume. If the subsequent illness recurs after 60 days then a new elimination period will commence. After the elimination period you will be entitled to the full benefits originally selected under the policy
  • What happens if I recover from a permanent disability and am able to resume occupation?
  • If you fully recover from a permanent disability and are able to resume your duties in your occupation, you will be required to repay or refund all monies paid to you by the Union Insurance Company. This is only applicable to a lump sum benefit paid for permanent disability (PTD) and does not apply to a temporary benefit (TTD) which has been paid.
  • Will benefits be paid for termination of employment?
  • Benefits are not payable for termination of employment. Benefits are only paid for loss of income due to an injury or illness resulting in the insured's total disability, regardless of the insured's employment status.
  • Is my permanent disability benefit (PTD) reduced by other insurance or other benefits I receive for disability or other similar sick benefit?
  • No, your benefits are not reduced by other amounts paid.
  • Is my benefit reduced by other income I receive while not working in my primary occupation?
  • Many loss of income plans reduce the benefit received from any other source or form of employment. This policy is based on "own occupation" which means the benefit will not be reduced by income earned from other occupations.
  • What is excluded from the policy?
  • Injury or illness as a result of drugs or alcohol, criminal acts, military service or active participation in war are excluded, as is any injury or illness as a result of nuclear, chemical and biological terrorism. Nuclear or radioactive contamination is also excluded. Any intentional self-inflicted injury, attempted suicide, mental disorders, or pregnancy are not covered. Riding or driving in any kind of race or endurance test or traveling in aircraft for any purpose other than transportation is excluded from coverage. There is a limited pre-existing exclusion clause.
  • What is the pre-existing condition exclusion?
  • Any condition for which a person would have or should have sought treatment for in the 30 months prior to the effective date of the policy is excluded.
  • Are adventure sports excluded from the policy?
  • Adventure sports are not excluded but coverage is excluded for riding or driving in any kind of race or endurance test.
  • In the event of my death will my beneficiary be compensated?
  • This policy is not a life insurance policy and therefore no benefit will be paid to beneficiaries.
  • Can I include other benefits other than my gross salary under TTD?
  • Only income and additional allowances and/or benefits usually received during work activities in the insured occupation.
  • What about investments and similar benefits to my income?
  • Any other income from dividends, interest, rents, estates etc should not be included in the calculation of your gross salary for the purposes of the policy.
  • What is the medical review process if my claim is in question?
  • If a claim is in question, the underwriter will require updated/detailed medical reporting or new medical testing. All claims are determined on a case by case basis.

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With offices across the UAE, Union Insurance is close at hand to serve clients. Whether signing up for a new policy or making a claim, you can reach us at any of the offices below. Also, be sure to check this page regularly, as we continue to open new offices.


Toll free number : 800 UIC4U(84248)
Enquiries : info@unioninsurance.ae
Comments : feedback@unioninsurance.ae
Regularly Working Hours : 8:30am to 05.00pm

OFFICES

Head Office

Single Business Tower, Sheikh Zayed Road
P.O Box 119227 Dubai, United Arab Emirates
Tel: +971 (04) 3787 777(764)
Fax: +971 (04) 3787 778

Abu Dhabi (Motor Claims)

Al Corniche tower Building, Abu Dhabi Corniche,
P.O Box 54524 Abu Dhabi, United Arab Emirates
Tel: +971 (02) 6906 555
Fax: +971 (02) 6906 556

Ajman (Motor Claims)

Ground & Mezzanine Floors, Ajman Building
Sheikh Khalifa bin Zayed Road
P.O Box 1225 Ajman, United Arab Emirates
Tel: +971 (06) 7014666
Fax: +971 (06) 7014668

Dubai (Motor Claims)

Al Ittihad Road, Al Mana Building,
Showroom no. 6,
P.O Box 35272 Dubai, United Arab Emirates
Tel: +971 (04) 3787 444
Fax: +971 (04) 3787445

JAFZA

Jebel Ali Free Zone Building 16 Office no. 15,
P.O Box 119227 Dubai, United Arab Emirates
Tel: +971 (04) 3787 477
Fax: +971 (04) 3787 478

JLT

Jumeirah Business Centre (JBC3) Cluster Y,
16th Floor, Jumeirah Lakes Towers
P.O Box 119227 Dubai, United Arab Emirates
Tel: +971 4 315 1700
Fax: +971 4 315 1701

Ras Al Khaimah (Motor Claims)

Al Seer Building, First Floor,
Office # 1 Al Nakheel Road
P.O Box 12921 Ras Al Khaimah,
United Arab Emirates
Tel: +971 (07) 203 8181
Fax: +971 (07) 203 8182

Sharjah (Motor Claims)

Al Raha Tower, Showroom no. 2
P.O Box 97733 Sharjah, United Arab Emirates
Tel: +971 (06) 5939 888
Fax: +971 (06) 5939 889

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