Orient Job Loss Insurance in UAE

Overview of Orient Job Loss Insurance

One of the major insurance providers in the UAE, Orient Insurance, is reputed to offer one of the best income protection insurance policies. Orient Job Loss Insurance pays out monthly benefits to the policyholder if they lose their job involuntarily. Other benefits included in this policy are hospital cash and accidental death benefits. 

The policy covers job loss because of company downsizing or organisational restructuring. The amount paid acts as a temporary income support. 

How Does Orient Job Loss Insurance Work?

Orient Job Loss Insurance complements your state-operated, mandatory unemployment insurance that covers only up to 60% of the basic salary.  Here are some key  benefits it offers —

• Daily hospital cash and ILOE coverage
• Accidental death benefit cover
• Source of income to handle debts, rent and more

Exclusions Under the Orient Job Loss Insurance Policy

Here are the exclusions for Orient Job Loss Insurance in Dubai —

Unemployment Exclusions —

• If there is insufficient evidence of your unemployment
• Your contract has been renewed due to the cessation of or expiry of your UAE visa
• Not claiming within 30 days of being unemployed
• Your work is not seasonal or of a temporary nature
• Unemployment due to Emiratisation or politically motivated mass layoffs
• You have accepted voluntary redundancy, retired, or resigned
• You have a fixed-term contract of less than 2 years
• You failed to pass the probationary period
• Your unemployment is because of your willful misconduct, poor performance, criminal conviction, fraud, insubordination, negligence, or dishonesty
• You are unemployed from a business that has been operating in the UAE for a period shorter than 3 years and has less than 20 permanent employees
• You are self-employed
• You are unemployed because you participate in industrial action, lockouts, unlawful acts, strikes, or other organised labour disputes
• You are not eligible for the ILOE scheme in the UAE

Accidental Death Exclusions —

• Suicide or attempted suicide
• Death because of aviation, or other kind of flight other than as a passenger of a reputed airline or charter plane service
• Alcohol or drug abuse
• Participating in dangerous activities or competing in racing or riding tournaments
• Willful participation in illegal activities
• Being part of the defence forces
• Political assassinations
• Committing a felony
• Partaking in a brawl or malicious acts of any kind

Hospital Cash Benefit Exclusions —

If the hospitalisation is due to —

• A pre-existing medical condition (whether directly or indirectly)
• Suicide attempts
• Dental care or surgery, except to sound natural teeth as occasioned by injury
• Participation in practice or training for any sport as an athlete
• Participation in a brawl or malicious acts 
• Any mental health issue unless you are in a sanitarium
• Alcohol, solvent abuse, or drugs
• Your participation in any dangerous activity
• Deliberate self-harm

General Exclusions —

• Wars or acts of terrorism
• Nuclear risks
• Engaging in active war

Eligibility Criteria to Buy Orient Job Loss Insurance

You are eligible to buy Orient job loss insurance if you meet the following criteria —

• Age – 21 years or over and under the age of 60 years
• You are currently working in the UAE and have a valid ID card for the UAE
• You are into permanent employment
• Normal monthly income should be at least AED 3,000 per month

How to File a Claim against Orient Job Loss Insurance in Dubai?

Claims need to be reported instantly or no later than 30 days from the day of the incident. Payments for ILOE will be made after a 30-day waiting period and a 90-day initial exclusion period. 

You can file the claim online on Orient’s official website by following the instructions on the screen or by connecting with the broker or the provider. You can also send the post at —

• Orient Insurance PJSC, Al Badia Business Park, Dubai Festival City, P.O. Box 27966
• Or call on toll-free number – 800-ORIENT (674368)

Where to Buy Orient Job Loss Insurance in Dubai?

You can easily buy Orient Job Loss Insurance via Policybazaar Insurance UAE. The process is simple, and you can get the plan in just a few clicks. Simply fill out the application form, and you will be directed to the quotes page. 

Frequently Asked Questions