Middle East

Life and Disability

Insurance Policy
Plan B

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AECOM Insurance Benefits

The below benefits are applicable to AECOM employees as per approved policy and plan period.

Life and Disability Insurance

Life and Disability Insurance is a vital part of AECOM’s benefit program in place for all AECOM employees.
Our success begins with valuing our people and fostering their development. In order to provide you with
comprehensive cover, we have teamed up with Union to provide you with the below benefits.

Insurances are provided through a reputable insurance provider. The actual provider may vary from time to time
at the discretion of the Company.

As an Employee at AECOM, you are covered to two (2) times your annual salary.

Annual salary is defined as twelve times the total amount in the remuneration section of Appendix “A” of
employees’ employment agreement. Site allowances, overtime and any form of incentive pay are specifically
excluded from the calculation.

There are many reasons that AECOM have chosen to provide Life & Disability Insurance to our employees,
including those listed below.

To protect your family and loved ones

If your loved ones depend on your financial support for their livelihood, we believe at AECOM, that life
insurance is a must, because it provides immediate financial assistance to your dependents when they are
at their most vulnerable. This is especially important for parents of young children or couples who’s partner
will find it difficult if they no longer have the source of income provided by their partner. Disability insurance
protects you in the event that you become disabled to guarantee some financial and lifestyle security in the
event that the unthinkable happens.

To bring peace of mind

Disability and life insurance can provide some financial security and peace of mind it you are unable to
provide it yourself. No amount of money can ever replace a person. But more than anything, disability and
life insurance can help provide protection for the uncertainties in life. Without a doubt, having these
insurances in place will bring you and your family peace of mind. It is one thing you can be sure of and no
longer question if you are unable to provide an income or that they will be taken care of when you’re gone.

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Policy Schedule for AECOM Middle East Limited
Policy Commencement Date: Policy Expiry Date:
The Period of Insurance : 1 MARCH 2021 28 FEBRUARY 2022
The Geographical Limits : 24 hours worldwide in respect of members residing in the United Arab
Emirates, Saudi Arabia, Bahrain, Oman & Qatar.
The Sum Insured : 2 x Annual salary (basic)
The AECOM definition of “base salary” is Total monthly salary (i.e. salary and
allowance)
Free Cover Limit : AED 6,000,000 (up to maximum attained age of 69 years)
Age Limit : Minimum Age at Entry: 18 years
Maximum Age at Entry: attained age of 69 years

SCHEDULE OF BENEFITS

This Insurance covers in respect only of such of the following Benefits as have an amount inserted against
them for each person covered under this policy.

S No Benefit Compensation
1. Death due to any cause 100 % of Sum Insured.
2. Accidental Death Benefit 100 % of Sum Insured
3. Permanent Total Disablement 100 % of Sum Insured
(Due to Accident/Sickness) Deferment Period: 06 months
4 Permanent Partial Disablement Percentage of Sum Insured in accordance with the Continental
(Due to Accident/Sickness) Scale of Benefits
5. Temporary Total Disablement 100% of actual weekly base salary, subject to a maximum of
(Due to Accident & Sickness) AED 916,667/- per annum, up to a maximum period of 720 days,
0 days elimination period for accident & 7 days elimination period
for Sickness

Policy Terms & Conditions

A. Eligibility
Such persons proposed by the Policyholder, working on a regular, full time and permanent basis, residing
in U.A.E, Bahrain, Oman, Qatar and KSA and agreed by Company to assure.

B. Scope of Cover
• Benefit I Death any cause
• Benefit II Accidental Death Benefit
• Benefit III Permanent Total Disability (Accident & Sickness)
• Benefit IV Permanent Partial Disability (Accident & Sickness)
• Benefit Temporary Total Disability (Accident & Sickness)

BENEFIT 1: Death due to Any Cause

In the event of death of an insured person due to bodily injury or illness arising out of a cause not specifically
excluded under this policy after the commencement date and during the policy period, the Company shall
pay the Sum Assured to the Policyholder stated in the Schedule in accordance with the terms and conditions.

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BENEFIT 2: Accidental Death Benefit

In the event of bodily Injury which results in death of an Insured Person due to accident, other than those
specifically excluded under this policy after the commencement date and during the policy period, the
Company will pay an additional amount equivalent to the basic Sum Assured to the Policyholder as stated
in the Schedule in accordance with the terms and conditions.

Provided that:

1. Payment under this benefit relating to an accident applies if death occurs through bodily injury
effected solely, directly and independently from all other causes, through external, violent, visible
and accidental means within 365 days after such injuries are sustained.

2. Any claim paid under this benefit will cancel the cover provided in respect of that Member under all
other benefits.

BENEFIT 3: Permanent Total Disability (due to Accident & Sickness)

In the event of a bodily Injury or illness which results in the permanent and total disability of the Insured
Person, other than those specifically excluded and the Insured Person is unable to ever again follow his
own occupation or any other for which he is reasonably fitted by training, education or experience, the
Company shall pay the Sum Assured to the Policyholder as stated in the Schedule in accordance with
the terms and conditions.

Provided that:

1. No claim shall be paid under this benefit until the member has been disabled and unable to
follow his own or similar occupation for a minimum period as mentioned in the Schedule, unless
the Insurance Company agrees in writing in relation to a specific claim to undertake an earlier
assessment which results in a decision, at the strict discretion of the Insurance Company, to
make an earlier payment.

2. Any claim paid under this benefit will cancel the cover provided in respect of that Member under
all other benefits. Any payment made under this benefit will be reduced by the sum of permanent
partial disability benefit payments already made.

3. The disability shall be confirmed by a Medical Certificate from an approved Medical Board within
4 months from the date of occurrence or date of onset of the disability, showing the cause and
the percentage of disability.

BENEFIT 4: Permanent Partial Disability (due to Accident & Sickness)

In the event of a bodily Injury or illness which results in permanent partial disability of the Insured Person
other than those specifically excluded under this policy after the Commencement Date and during the policy
period, the Company shall pay to the Policyholder the respective percentage of the Sum Assured of the
Insured Person as stated in Annexure 1 in accordance with the Continental Scale of Disabilities subject to
policy terms and conditions.

Provided that:

1. In no circumstances will the total amount payable in respect of any one Member exceeds 100% of
the Sum Insured, whether as a result of one accident/sickness or a number of accidents/sickness.
and will automatically terminate the benefits applying under any other benefits to the Policy in
respect of the Member.

2. Any claim paid under this benefit will reduce the amount of any subsequent claim in respect of that
member under benefits I, II & III.

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BENEFIT 5: Temporary Total Disability (due to Accident & Sickness)

In the event of a bodily Injury or illness which results in the temporary total disablement of the Insured Person
and as a result of which the Insured Person is prevented from attending to his/her normal occupation and
provided the Insured Person is not otherwise employed, the Company shall pay the Policyholder the Sum
Assured as stated in the Schedule in accordance with the terms and conditions of this policy.

Provided That:

1. If any Member becomes continuously and totally unable to follow his normal occupation and is not
following any other occupation.

2. The claim shall be payable as per the Benefit Limits and the waiting period as mentioned in the
Schedule.

3. Any claims under benefits III or IV cannot commence during continued payment of claim under this
benefit.

4. The Insurance Company may request medical reports during payment of a claim under this benefit
and benefit payment will only continue so long as the disablement or sickness (if sickness applies)
remains. If the Policyholder or Member shall fail to produce satisfactory medical reports, or if the
member shall become able to perform any part of his usual occupation for wage or profit, then until
such satisfactory proof of continuing disability shall be filed with the Insurance Company, no further
benefits shall be payable under this benefit.

5. Subject to proof disability being accepted by the Insurance Company, the accrued monthly benefits
will be payable at the end of each month during the continuance of the period for which the Insurance
Company is liable, with a proportionate payment for the month during which payments are due to
commence. Any balance remaining unpaid at the termination of the period of temporary and total
disability will paid immediately upon receipt of proof that the has terminated rather than at the end of
that month.

C. Termination of employment
If the employment is terminated, either by the employee or the company (through resignation, termination,
retirement, etc.), all insurance cover stops as of the date of termination.

D. Taxation
Both the insurance company and AECOM cannot and will not take on the responsibility of tax implications
for the employee and his/her spouse in the event that a benefit is paid as a result of this policy. It is the
employee's responsibility to take precautions in order to comply with any possible tax liability. Tax planning
is a complex area and it is recommended that the employee seeks professional financial advice.

E. Designation of beneficiaries

The employee must advise the company of his/her beneficiaries for proceeds payable in the event of death
by completing the Beneficiary form .

It is important that the employee updates AECOM on any changes to his/her beneficiaries, so that accurate
records can be maintained.

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F. Claims Procedure

Union requires notification within 60 days of the event giving rise to any potential Death /Disability claim
within the meaning of this Insurance, and an Insured Person must as early as possible place himself under
the care of a duly qualified medical practitioner. Immediate notice must be given to the Company in the event
of the Death of an Insured Person.

CLAIMS DOCUMENTATION

Death claim requirements

1. Original claim form duly filled, signed and stamped

2. Passport copy of deceased with valid visa page / work permit at time of death
3. Last 3 pay slips duly stamped by employer
4. Employer’s letter confirming the last working day on a full-time basis
5. If Death occurred in Country of Residence:
• Original or verified true copy of death certificate
• Original medical report stating the cause of death (if the death certificate / death
notification does not mention the exact cause of death)
• Post-mortem report and Police report (if death was due to an accident)
6. If Death occurred outside Country of Residence:
• Original or verified true copy of the death certificate must be submitted duly notarized and
attested by the resident Country Embassy of the country where death took place.
Subsequently the same should be attested by the Embassy of the country in the Resident
Country and Ministry of Foreign Affairs in Resident Country
• Original medical report stating the cause of death (if the death certificate / death
notification does not mention the exact cause of death)
• Post-mortem report and Police report (if death was due to an accident).
7. Any other documents pertaining to the claim which the Company may require

Disability claim requirements

1. Original claim form duly filled, signed and stamped

2. Passport copy of insured employee with valid visa page / work permit at time of accident / sickness
3. Last 3 pay slips duly stamped by employer
4. Employer’s letter confirming the last working day on a full-time basis
5. Original Full and complete Medical Report showing Diagnosis, Future Prognosis and specifying any
percentage of disability from the treating Doctor or Hospital / Clinic
6. Original Discharge Summary if In-Hospitalization was involved from the treating Doctor or Hospital
7. Original Copies of results of any diagnostic tests.
8. Original sick leave certificate highlighting the number of days from the treating doctor
9. Any other documents pertaining to the claim which the Company may require

Intimation & Submission Period: Within 90 days from the date of the event

All the above documents will have to be verified and accepted by the Company.

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G. Annexure 1
Continental Scale of Benefits
The percentage of the sum insured in respect of Permanent Total or Permanent Partial

Disablement shall be as follows:

PERMANENT TOTAL DISABLEMENT

Total loss of sight of both eyes 100%

Total incurable insanity 100%
Loss of both arms or both hands 100%
Complete deafness of both ears, of traumatic origin 100%
Removal of the lower jaw 100%
Loss of speech 100%
Loss of one arm and one leg 100%
Loss of one arm and one foot 100%
Loss of one hand and one foot 100%
Loss of one hand and one leg 100%
Loss of both legs 100%
Loss of both feet 100%

PERMANENT PARTIAL DISABLEMENT HEAD

Loss of osseous substance of the skull in all its thickness

Surface of at least 6 sq. cm 40%
Surface of 3 to 6 sq. cm 20%
Surface of loss than 3 sq. cm 20%
Partial removal of the lower jaw, rising section in its entirety or half of the Maxillary bone 40%
Loss of one eye 50%
Complete deafness of one ear 30%
UPPER LIMBS Right Left
Loss of one arm or one hand 60% 50%
Considerable loss of osseous substance of the arm (Definite and incurable
50% 40%
lesion)
Total paralysis of the upper limb (incurable lesion of the nerves) 65% 55%
Total paralysis of the circumflex nerve 20% 15%
Shoulder anchyloses 40% 30%
Elbow anchyloses
In favourable position (15 degrees round the right angle) 25% 20%

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In unfavourable position 40% 35%
Extensive loss of osseous substance of the two bones of the Forearm
40% 30%
(definite and incurable lesion)
Total paralysis of the median nerve 45% 35%
Total paralysis of the radial nerve at the torsion cradle 40% 35%
Total paralysis of the forearm radial nerve 30% 25%
Total paralysis of the hand radial nerve 20% 15%
Total paralysis of the cubical nerve 30% 25%
Anchylosis of the wrist in favorable position (straight and in Pronation) 20% 15%
Anchylosis of the wrist in unfavorable position (flexion or strained extension
30% 25%
or supine position)
Extension or supine position 10% 5%
Total loss of thumb 20% 15%
Partial Loss of thumb (ungula phalanx) 15% 10%
Total anchylosis of thumb 10% 8%
Total amputation of finger 5% 3%
Amputation of two phalanges of fore fingers 25% 25%
Amputation of ungual phalanx of fore fingers 25% 20%
Simultaneous Amputation of thumb and fore fingers 12% 8%

Amputation of thumb and finger other than fore fingers

Amputation of two finger other than thumb and forefinger 20% 15%
Amputation of three finger other than thumb and forefinger

Amputation of four fingers including thumb 45% 40%

Amputation of four fingers excluding thumb 40% 35%
Amputation of median finger 10% 8%
Amputation of finger other than thumb, forefinger and median finger 7% 3%
LOWER LIMBS

Amputation of thigh (upper half) 60%

Amputation of thigh (lower half and leg) 50%
Total loss of foot (tibio-tarsal disarticulation) 45%
Partial loss of foot (sub-ankle bone disarticulation) 40%
Partial loss of foot (medio-tarsal disarticulation) 35%
Partial loss of foot (tarso-metatarsal disarticulation) 30%
Total paralysis of lower limb (incurable nerve lesion) 60%
Complete paralysis of the external poplitic sciatic nerve 30%
Complete paralysis of the internal poplitic sciatic nerve 20%
Complete paralysis of two nerves (poplitic sciatic external and internal) 40%
Anchylosis of the hip 40%

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 Anchylosis of the knee 20%
Loss of osseous substance from thigh or both of the leg (Incurable condition) 60%

Loss of osseous substance of the knee-pan with considerable separation of the fragments
40%
and considerable difficulty of movement in stretching the leg

Loss of osseous substance of the knee-pan while the movements are preserved 20%

Shortening of the lower limb by at least 5 cm 30%

Shortening of the lower limb by 3 to 5 cm 20%
Shortening by 1 to 3 cm 10%
Total amputation of all the toes 25%
Amputation of four toes including big toe 20%
Amputation of four toes 10%
Anchylosis of the big toe 10%
Amputation of two toes 5%
Amputation of one toe other than the big toe 3%

For anchylosis of the fingers (other than the thumb) and of the toes (other than the big toe) 50% only of the
compensation which would be due for the loss of the said members shall apply.

The total compensation payable in respect of several disablements due to the same accident is arrived at
by adding together the various sums but shall not exceed the total sum insured under the Schedule of
Compensation. If the Insured is left-handed, the percentage set out above for the various disabilities of the
right upper limb and left upper limb will be transposed.

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H. Exclusions

Passive War Risk Cover & Terrorism

It is hereby agreed that, notwithstanding the terms and provisions of the basic policy Contract, the
Company will cover the insured member of the group against death & disability occurring as a direct or
indirect consequence of War & Terrorism, where the insured member is not an active participant. The
Term “War” includes but not limited to:

Invasion or acts perpetrated by foreign enemies (whether war be declared or not), hostilities, civil war,
martial law or declaration of a state siege, state of siege or any of the events or causes which determine
the proclamation or maintenance of martial law or state or siege, civil disobedience, general
mobilization, revolution, usurpation of power (military or politically), insurrection, rebellion, mutiny, riots,
civil commotion, revolution, conspiracy, mutiny, strike, pillage, any kind of military projectile or explosive
including booby trapped vehicles or objects, cannon shells, rockets or other weapon of war, whatever
their origin and type, any act unlawful act perpetrated by armed individual be they members of political,
military or paramilitary organizations or parties or not or be they acting on their behalf or on behalf of
any other organizations.

The Term “Terrorism” as used herein, shall mean an activity that satisfies both of items below:

a) Involves a violent act or an act dangerous to human life, tangible or intangible property or
infrastructure, causing damage to property or injury to persons, or a threat thereof; an
b) Appears to be intended to intimidate, coerce or incite a civil population or inflict economic loss or
disrupts any segment of local, national or global economy; or Influence, protest, intimidate or
coerce against the policy or conduct of a government by any means, including mass destruction,
murder, kidnapping, hijacking, hostage-taking.

The Company’s liability under this rider shall be at any time limited to the benefit payable at the time
on the death/disability of the said Insured provided such benefits shall not exceed a maximum amount
as described in the basic policy. “Active participant” in war like operations means an active member of
military forces e.g. Army, Navy, Air Force, Territorial Army or Police or any other special forces
activated by Government or other public authorities to defend law and order in case of a war or warlike
operation, or any other person who takes up arm in an active or defensive role. The term Active
Participant includes but not limited to participation in opposition forces in conflicts, civil commotion,
revolution, and insurgency or any similar situation.

Exclusions for Passive War Risk & Terrorism:

However, this extension will not apply, and no benefit will be payable if at the time of occurrence, the
insured member(s) is directly or indirectly:

1. Taking an active participation in any of the above-mentioned events,

2. Engaged in any quarrel or dispute whether armed or not,
3. Resisting arrest,
4. Member of any armed force or serving in any armed force or member of any police or security
or bodyguard services,
5. Travelling a country or an area where the British Government Foreign and Commonwealth
Office advises against ‘all travel’ there; or
6. Remains in a country or an area for more than 28 days from the date of change of status where
the British Government and Commonwealth Office advises against ‘all travel’ there; or
7. Travelling to a country or an area where the British Government Foreign and Commonwealth
Office advises against ‘all but essential travel’ and stays for more than 28 days from the date
of change of status or date of travel;
8. Syria, Iraq & Afghanistan If the insurer alleges that by reason of this exclusion, any loss,
damage, cost or expense is not covered by this insurance the burden of providing the contrary
shall be upon the insured.

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 This Insurance does not cover death as consequence of:

a) directly or indirectly occasioned through warm invasion, act of foreign enemy, hostilities (whether
war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot
or strike or mutiny, marital law, state of siege or any of the events or causes which determine the
proclamation or maintenance of marital law, or state of siege, violence, looting, sacking or pillage
and terrorism, unless Passive War Risk or Terrorism is covered under the schedule of the original
policy.
b) directly or indirectly occasioned through accidental or deliberate spread or use of atomic, biological
or chemical material including death directly or indirectly caused by, resulting from, or in connection
with any action taken in controlling, preventing, suppressing or in any way relating to any event
atomic, biological and chemical material is involved.
c) directly or indirectly occasioned through any unlawful or criminal act of the Insured Person.

For Disability & other riders, in addition to the above, shall be excluded the consequences of:
Directly or indirectly caused by, contributed to aggravated by:

a) Insanity, intoxication, alcohol or drugs not prescribed by a licensed medical practitioner, mental/ or
nervous disorders. The exclusions for mental illness will not apply up to 75% of the benefit
entitlement.
b) Human Immune Virus (HIV) infection, Acquired Immune Deficiency Syndrome (AIDS)or an AIDS
related condition;
c) Aviation, gliding or any form of aerial flight other than as a passenger in a fully licensed passenger
carrying aircraft, provided that the term “passenger”, for the purpose of this Policy, shall not include
any person who is a member of the crew of the aircraft or who is in such aircraft for the purpose of
undertaking any technical operation therein.
d) Self-inflicted injury provided the degree of disability is less than 50% (as per the continental scale)

For further queries on the policy, please contact the Rewards Team at Reward.middleeast@aecom.com

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