Going to the UAE for short work trips or on holiday should see normal terms applied to most Life Insurance policies. Insurers will want to know details of the travel, how long you are going to be there and the reason for the visits.
If you are travelling to the UAE for business purposes the insurance provider that you approach may want to know more details such as the nature of your work, the industry that you work in and the specific destinations that you will be visiting. For those working in a high-risk environment it is possible that the insurer may offer Life Insurance at non-standard terms, in the form of a premium increase.
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Critical Illness Cover
Workers or holidaymakers going to the UAE should be offered standard terms on their Critical Illness Cover. You are likely to find that insurers that you approach will want to know how long you intend to visit the UAE, where you will be travelling to and the purpose of your stay.
For business professionals travelling to the area for work-related purposes, the insurer is going to want to know the type of work that you will be performing, how long you will be in the UAE and how often you will be required to travel there. If your occupation is seen as a high risk the insurer may increase the policy premiums to offset the added risk. It is also possible that the insurer may place exclusions on the policy claims set depending upon the types of transport that you will be using whilst in the UAE.
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Income Protection for people travelling to the UAE for work or leisure may have access to standard terms of cover, depending upon the reasons for travel. The insurer will want to know the reason for your travel to the UAE, especially if this is a work-based requirement, the frequency at which you will travel to the location and your activities/duties whilst there. Those travelling to the UAE for leisure holidays will most likely find that Income Protection is available at standard terms.
Many business professionals will also find that they have access to normal terms of cover for Income Protection when travelling to the UAE. For those in high-risk occupations the insurer may choose to offer non-standard terms in the form of an increase to the policy premium. When you arrange Income Protection you should ideally secure a policy on an 'own occupation' basis, that gives you the strongest claim definitions on this type of policy.
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