ICBF LIFE INSURANCE SCHEME FOR INDIAN COMMUNITY

Damaan Islamic Insurance Company – Beema life insurance scheme for Indian expats which is initiative of Indian Community Benevolent Forum – Qatar (ICBF).

ICBF announced the initiative to support the community, in the form of community insurance scheme for the Indian community members aimed at protecting families of the expatriates.

The insurance, whose premium is as low as Qr.125 for two years, is aimed at protecting families of the expats working in Qatar.

The coverage of insurance programme is Qr. 1,00,000. It also covers permanent or partial disability up to the maximum covered amount depending on the percentage of disability.

Any Indian national, who is a resident in Qatar with a valid Qatari ID, can join the scheme.

Those who would like to join the insurance scheme can visit the below liaison offices along with copy of passport and QID.

Sheen Services WLL
Office # 10, Second Floor, Concord Business Center
Al Muntuzah, C Ring Rd,
Doha
https://www.sheenservices.com/contact-us.php

Google Map: https://g.page/Sheen_Services

COVERAGE DETAILS

01. Type of Cover : Group Takaful as per our standard policy wording.

02. Insured : Any Indian national, resident in Qatar with a valid Qatari ID.

03. Period of Insurance : 24 months from date of enrollment

04. Sum Insured : QR.100,000 per member.

05. Eligibility : Any Indian national, resident in Qatar with a valid Qatari ID.

06. Jurisdiction : Competent Courts of the State of Qatar.

07. Geographical coverage : Worldwide/24 hours.

08. Benefits covered :

 Death All Causes – 100% of Sum Insured :

 Permanent Total Disablement (PTD) – All causes – 100% of Sum Insured

 Permanent Partial Disablement (PPD) – All causes – As per Scale.

09. Premium Contribution for 2 Years : QR. 125/- per member.

10. Minimum Age at issue : 18.

11. Maximum Age at issue : 65.

12. Conditions / Exclusions :

 As per our standard policy wording with the following conditions/endorsements:

 All members have to fill and sign the Enrolment Form before commencement of
cover.

 All enrolment forms must be attested by Indian Community Benevolent Forum
(ICBF) to get enrolled in this scheme.

 The contribution to be paid in full along with the completed enrolment form and
copy of QID and Passport.

 All Individuals are insured without any Health Declaration or Medical
examination. The only criteria for coverage should be a valid Qatar ID and should
be between the ages of 18 to 65.

 All pre-existing and chronic conditions are held covered without any
qualifications.

 Any Insured member whose Qatari ID is not renewed due to dispute or under
renewal process shall not void the coverage and are eligible for policy renewal as
long as the Insured is willing to pay the renewal contribution.

 Refund of contribution on pro rata basis to any member leaving Qatar for good
subject to no claims.

 For any death of member happening outside Qatar, only death certificate
attested by Indian Embassy is required if the death happened in India. For all
other countries death certificate attested by concerned embassy in Qatar or any
appropriate authority shall be accepted.

 Claim amount shall be settled to the beneficiary named in the policy, after getting
the discharge note signed by the beneficiary and attested by ICBF.

 The maximum turnaround time for claims payment shall be 7 working days from
the date of receipt of all the claim documents

The Peninsula News:

https://www.thepeninsulaqatar.com/article/22/12/2019/Indian-expats-to-get-insurance-coverage-on-a-low-premium

https://www.thepeninsulaqatar.com/article/02/01/2020/Community-welcomes-ICBF-life-insurance-scheme