What is a Comprehensive Personal Plan (CPP): Know the Benefits and Features

Whether it’s your cook, gardener, child’s babysitter, or your housekeeper, your domestic helpers play a key role in easing your life. So, it pays to keep them happy by providing financial protection for the future. A Comprehensive Personal Plan (CPP) provides a lot of benefits for your employees at home and at the workplace in a cost-effective manner.

With a monthly premium of just OMR 1.775, you can offer domestic and commercial employees comprehensive insurance coverage for future financial protection and monetary assistance to their families in case of an unfortunate occurrence. In a way, such a plan is helpful for you as well, to reduce future financial liabilities.

Take a look at some of the features of the plan.

Features of CPP

The insured person within the age bracket of 18 to 54 years is eligible for this insurance plan. The accidental death benefit is payable, provided the accident takes place in Oman. The company will pay a maximum pay-out amount of OMR 8,500 to the nominee of the policyholder, under the accidental death benefit.

Benefits of CPP

• Natural and Accidental Death Benefit:

In the event of the sudden death of the insured due to natural causes or an accident, the insurer will pay a lump-sum amount to the nominee.

• Accidental Medical Expenses:

The policy will cover any medical expenses incurred by the insured towards the treatment of injuries sustained from an accident.

• Permanent Total Disability due to Accident (PTDA):

In case the insured suffers grievous injuries due to an accident, which leads to loss of income despite being trained for the job for 12 continuous months, the insurer will pay an amount to their family as monetary support.

• Permanent Partial Disability due to Accident (PPDA):

This covers accidents leading to irrecoverable loss of sight, loss of organ, or limb.

• Repatriation Expenses:

The policy will pay for the repatriation of the mortal remains of the insured to their home country upon death.

• Total Temporarily Disability due to Accident (TTDA):

If the insured person suffers temporary disability due to an accident, leading to a loss of income, the policy will pay an amount to support their families during that period.

A Comprehensive Personal Plan (CPP) is an important product to consider if you are hiring or renewing the contract of foreign domestic help. Make sure to read the policy document and terms and conditions beforehand. It is also important to know about the exclusions so that hassles can be avoided in the future.