5. As in the Latin word Auxilium holds the same meaning of
help which reflect our goals, we have been developing our
knowledge and experience in the insurance, Evacuation and life
Support services in the Middle East, MENA Region, Africa and
worldwide, We have the necessary expertise and connections to
protect your lovers, employees and families in post conflict and
challenging locations. From War, Terrorism, Kidnap and Ransom
and Emergency Evacuation covers to International Cargo,
Construction or Liability Insurance. We have cost effective
solutions that are tailored to the testing environments that you
6. Auxilium is a dedicated Life support agency serving
the globe. We provide an extensive range of
insurance products and life support services in the
conflict areas and pledge to honor our commitments
to our clients by holding ourselves to the highest
ethical standards. We encourage personal growth
and life planning through exceptional service and
competitive product offerings.
The only way to start successful business in the 3rd world is by knowing culture, language and connections.
We at Auxilium assure you that we have all the factors to assist you keeping your business running smooth,
from our location in the Middle east and the heart of MENA region and our locals background adding to that
our manifold network in the MENA countries make us doing the job in the best way.
Be the world›s life support company. Through all
of our products, services and relationships, we will
keep you protected.
Our Mission Our Vision
9. THE EDGE OF
Travel for leisure or work, choose the destination you want and we will cover your
back, from insurance that will secure your stay up to life support in your destination
, Auxilium we do all arrangements to keep you safe
The Hashemite Kingdom of Jordan is a rapidly developing country with an untapped potential. Due to
regional instability over the past decade, Jordan has become an attractive home base for businesses
in the Levant as well as the entire MENA region, and it will continue to grow and prosper due to its
progressive business environment.
in fact Jordan is a stable country and located in the hart of MENA region that give us the advantage
of the location next to all oil producer countries that import foreigner companies and manpower to
develop these countries
14. DEFENSE BASE ACT COVER
What you need to know?
One of the best things about insurance is that it helps you plan for the unexpected. In this context, DBA
insurance is one policy that takes care of unforeseen circumstances.
This policy is also known as the Defense Base Act insurance. It is a federal law that requires all American
contractors and subcontractors to insure employees working outside the United States.
The relevant statutes include the Defense Base Act, 54-1651 42 and the Longshore and Harbor Workers›
Compensation Act, 5-901 33.
Employees working with US government agencies outside the US. These include people employed in public
works, national defense or war.
Employees working for American companies that provide welfare services outside the United States for the
benefit of the Armed Forces.
Employees working outside the United States on contracts funded by the American government under the
Foreign Assistance Act. This includes employees working for agencies or companies that provide military
equipment, cash, materials and services to allies of the United States outside the
15. Who is Covered?
Benefits under the Defense Base Act
This act covers people in the categories below:
Employees working for US military bases outside the United States.
Employees working outside the US on lands used for military purposes. These include US territories and
possessions ocated outside the United Stat es.
This Act provides medical, disability and death benefits to covered employees who are injured or die in the
course of employment outside the United States.
The employees covered are entitled to the said compensation whether theinjury or disability occurred
during working hours or not. Compensation is paid by DBA insurance providers for partial loss of earnings.
In addition, injured employees are entitled to medical treatment by the employer.
16. Personal Accident
GET COVERED AGAINS T ACCIDENTAL DEATH
AND DI SABI L I TY
Accident insurance is a sensible way for your company to deal with the increasing costs due to many of
today’s medical plans. Available at affordable group rates, accident insurance allows
you to deliver a comprehensive employee benefits package while protecting your company’s bottom line.
Offering group accident insurance as part of your benefits package can provide your employees with an
extra level of financial protection to help cover out-of- pocket medical expenses such as deductibles,
copays, and coinsurance - and even non-medical expenses in the event of an accident.
No matter how hard you try to avoid them, accidents can still happen. In one year alone, over 80 million
people in the U.S. seek medical treatment for injuries and 43 million people go directly to emergency room.
Whether it›s a sports injury, a car accident, or a slip and fall, the financial implications for one of
your employees could be overwhelming.
As the health insurance market shifts more responsibility to individuals through higher out-of-pocket costs,
you can help your employees avoid financial hardship without increasing costs to your company.
17. ‘A’ RATED SECURITY THROUGH LLOYDS OF LONDON
WAR AND TERRORISM COVER INCLUDED AS STANDARD
ACCIDENTAL DEATH AND DISABILITY: LUMP SUM BENEFIT
TEMPORARY TOTAL DISABLEMENT: INCOME REPLACEMENT WITH SALARY PAID UNTIL
INSURED IS FIT TO RETURN TO WORK
MEDICAL EVACUATION AND REPATRIATION INCLUDED
DAILY RATES AND FLEXIBLE PAYMENT OPTIONS AVAILABLE
18. Medical insurance is a type of insurance coverage that covers the cost of an insured individual›s
medical and surgical expenses. Depending on the type of health insurance coverage, either the
insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly
to the provider.
In health insurance terminology, the «provider» is a clinic, hospital, doctor, laboratory, health care
practitioner, or pharmacy. The «insured» is the owner of the health insurance policy; the person
with the health insurance coverage.
We have developed a simple modular system, allowing you to pick and choose the benefits
you want. These include hospital and out-patient cover, maternity and dental treatment plus
an emergency medical evacuation option. Our longestablished relationship with the insurance
providers means we can provide a host of additional benefits including cover for pre-existing
conditions, subject to policy conditions. We can even offer a nil excess option.
ANNUAL BENEFIT OF US$ 1 MILLION
AVAILABLE TO ALL NATIONALITIES
DIRECT SETTLEMENT FACILITY
ONLINE FACILITY FOR OUTPATIENT CLAIMS
MEDICAL EVACUATION AND REPATRIATION COVER
20. TRADITIONAL BENEFITS OF EVACUATION AND
REPATRIATION PLANS EMERGENCY MEDICAL
EVACUATION RETURN OF MORTAL REMAINS
SPECIALIST THIRD PARTY ASSISTANCE (TPA)
COMPANY WITH DELEGATED AUTHORITY
MULTILINGUAL, 24/7 RESPONSE SERVICE
EMERGENCY MEDICAL TREATMENT COVERED
MEDICAL EVACUATION AND REPATRIATION
FOLLOW-UP HOME COVER (UP TO 3 MONTHS)
21. Medical evacuation and repatriation insurance is
designed to provide additional coverage to plans that
only offer limited benefits. Medical
evacuation and repatriation plans traditionally offer
two core benefits, making them an ideal supplement to
already existing health
insurance coverage. Not only are the benefits of these
plans necessary for travel outside of your home country,
repatriation and evacuation coverage are often required
for international students by their institutions and by
many governments to obtain a variety of visas.
So if you travel to a country with a poor medical services
and / or political unstable then you will definitely needs
to obtain such cover in order to secure your self against
any unexpected event could cause you your life or a
huge amount of money.
Both Medical and Political Insurance
22. KIDNAP AND
K&R insurance policies typically cover the perils of kidnap, extortion, wrongful
detention, and hijacking. K&R policies are indemnity policies – they reimburse a loss
incurred by the insured. The policies do not pay ransoms on the behalf of the insured.
Typically, the insured must first pay the ransom, thus incurring the loss, and then seek
reimbursement under the policy.
Losses typically reimbursed by K&R insurance include:
• Ransom monies - Money paid or lost due to kidnapping
appropriation of ransom monies being delivered to a covered kidnapping or
• Accidental death or dismemberment - Death or permanent physical disablement
occurring during a kidnapping
• Judgement and legal liability - Cost resulting from any claim or suit brought by
any insured person against the insured
• Additional expenses - Medical care, severe disruption of operations, potential
damage to company brand, PR counsel, wage and salary replacement, relocation
and job retraining, and other expenses related to a kidnapping incident.
The policies also typically pay for the fees and expenses of crisis management
These consultants provide advice to the insured on how to best respond to the
Even the most basic training for people traveling to dangerous places is not easily
provided or is not obtained by small to midsized companies.
23. Kidnap and ransom insurance or K&R insurance is idnap and ransom insurance or K&R
insurance is designed to protect individuals and corporations operating in high-risk
areas around the world.
Locations most often named in policies include Mexico, Venezuela, Haiti, and
Nigeria, certain other countries in Latin America, as well as some parts of the Russian
Federation and Eastern Europe. Central Asia is also seeing increasing numbers of
incidents, particularly in Afghanistan, Iraq, Yemen and Libya.
The policies may be written to cover high-profile families, non government
organizations (NGOs), C-Suite level executives or similar strategic individuals, or
individuals who represent a local or multinational organizations.
Some policies include kidnap prevention training. The major factors insurance
underwriters weigh when considering a kidnap and ransom policy include the country
of residence for the insured, the type of industry of the insured, revenue of the
insured, and the travel patterns of any employees who may be covered by the
We at Auxilium can insure you you will receive the real cover adding to that we will
be involved directly to help you in occasion of any kidnap situation to make sure you
will be safe٫
WE TALK ABOUT HOW WE CAN SECURE YOUR BUSINESS
Liability insurance is any insurance policy that protects
an individual or business from the risk that they may
be sued and held legally liable for something such as
malpractice, injury or negligence.
Liability insurance policies cover both legal costs and
any legal payouts for which the insured would be
responsible if found legally liable. Intentional damage
and contractual liabilities are typically not covered in
these types of policies.
Liability insurance is critical for those who may be
held legally liable for the injuries of others, especially
medical practitioners and business owners. A product
manufacturer may purchase product liability insurance
to cover them if a product is faulty and causes damage
to the purchasers or any other third party. Business
owners may purchase liability insurance that covers
them if an employee is injured during business
Business owners are exposed to a range of liabilities,
any of which can subject their assets to substantial
claims. All business owners need to have in place an
asset protection plan built around available liability
Here are the main types of liability insurance:
25. Employer’s liability and workers› compensation is a type
of mandatory coverage for employers, which protects the
business against liabilities arising from injuries or the
death of an employee.
Product liability insurance is for businesses that
manufacture products for sale on the general market.
Product liability against lawsuits arising from injury or
death caused by their products.
Indemnity insurance protect a business against
negligence claims due to financial harm resulting from
mistakes or failure to perform.
Director and officer liability coverage is for a business
that has a board of directors or officers, with the insurance
covering them against liability if the company is sued.
While a corporation by definition offers some amount of
personal protection against liability to employees and
directors, some companies choose to provide additional
protection to those key members of the executive team.
An umbrella liability policy is a personal liability
policy designed to protect against catastrophic losses.
Generally, umbrella liability coverage kicks in when the
liability limits of other insurance are reached.
Commercial liability insurance is a standard commercial
general liability policy (also known as comprehensive
general liability insurance) that provides insurance
coverage for lawsuits arising from injury to employees
and public, property damage caused by an employee and
injuries suffered by the negligent action of employees.
The policy may also cover infringement on intellectual
property, slander, libel, contractual liability, tenant
liability and employment practices liability.
28. Commercial General Liability (CGL)
Prior Acts Coverage
Umbrella Personal Liability Policy
Backdated Liability Insurance
Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury,
personal injury and property damage caused by the business’ operations, products, or injury that occurs on the
business’ premises. Commercial general liability is considered comprehensive business insurance, though it does not
cover all risks a business may face.
A feature of an insurance policy that extends the coverage of insurable events to dates prior to the policy being
purchased. Prior acts coverage is a feature of liability policies, and bridges the gap between when services are
rendered and when claims are filed as a result of those services.
A type of insurance policy that provides excess coverage above and beyond the liability coverage amounts in a
standard insurance policy. The umbrella policy provides extra protection in the event that a lawsuit exceeds the basic
level of coverage in the standard policy.
Liability insurance that provides coverage for a claim that occurred before the insurance policy was purchased.
Backdated liability insurance is not an insurance product frequently offered by insurers, since the insurer cannot be
certain how much the loss will amount to.
Business insurance coverage protects businesses from losses due to events that may occur during the normal
course of business. There are many types of insurance for businesses including coverage for property damage, legal
liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can
vary depending on the type of environment in which the company operates.
ENJOY YOUR TRIP
Liability insurance is any insurance policy that protects an individual or
business from the risk that they may be sued and held legally liable for
something such as malpractice, injury or negligence.
Liability insurance policies cover both legal costs and any legal payouts for
which the insured would be responsible if found legally liable. Intentional
damage and contractual liabilities are typically not covered in these types
Liability insurance is critical for those who may be held legally liable for the
injuries of others, especially medical practitioners and business owners. A
product manufacturer may purchase product liability insurance to cover them
if a product is faulty and causes damage to the purchasers or any other third
party. Business owners may purchase liability insurance that covers them if
an employee is injured during business operations.
Business owners are exposed to a range of liabilities, any of which can subject
their assets to substantial claims. All business owners need to have in place
an asset protection plan built around available liability insurance coverage.
Here are the main types of liability insurance:
32. Through our global aviation insurance market connections, we are able
to offer a bespoke service covering all major aviation risk categories.
Our fully integrated team have strong market relationships, experience
and knowledge of the aviation insurance market.
The risk location is usually the territory in which the insured is resident
or its business is established. However, in a few instances, where the
goods are physically situated or being transported to or from may also
create a regulatory and tax location of risk.
Aircraft hull and aircraft liability
Aircraft hull insurance covers losses arising from the physical damage
to aircraft hull as a result of various perils, including war and terrorism.
Aircraft liability insurance covers operators of aircraft for third party
Aviation liability covers a wide range of legal liabilities associated with
airport and other aviation operations, excluding aircraft operations.
The risk location is the territory in which the insured is resident or its
business is established.
Aviation products liability
Aviation products liability insurance is taken out to provide coverage
for components used in aircraft or other aviation products, e.g. avionic
software. The risk location is the territory in which the insured business
Aviation cargo insurance covers losses arising from the physical damage
to cargo while it is in transit by air and for up to 60 days whilst in storage.
(After 60 days it will be seen as Property - Standalone storage.)
Auxi l ium Assistance Special ists are experts in
arranging cargo insurance for companies operating
into and out of high risk locations. We can arrange ‘A’
rated cover for Maritime needs.
Our international insurance will protect your goods and
assists in transit to and from anywhere in the world,
including Iraq and Afghanistan. We can cover named
peri ls, or «Al l Risks», including war on land. We also
offer stock throughput insurance which covers your
goods and assist from the manufacturing site to the
point of sale, significantly reducing any gaps in your
cover. Insurance for delayed del ivery of time-sensitive
goods can also be included.
In the commercial age of today marine insurance
has become most important insurance in the field
of insurance. The importance of marine insurance is
described below in detai l .
35. 1. Importance of Marine Insurance for
A person has to import goods from
another country which is located
on the other side of sea for his
business. Whi le carrying goods from
other side of sea businessman may
have to face dacoits or goods may
be damaged because of sinking of
ship into the water. So, businessman
has to experience economic loss.
By the result of loss person may be
discouraged to engage in
business. But when one insures his/
her property in marine insurance
does not have to face with economic
problem because marine insurance
provides compensation to the
insured against the loss of property.
2. Importance of Marine Insurance
for Shipowner Expensive ship may
be destroyed due to different types
of risks on the marine venture.
Shipowner may have to experience
with larger amounts of loss due to
the destruction of the ship. Marine
insurance provides compensation
of loss to the shipowner. So, marine
insurance is important
3. Importance of Marine Insurance for
Freight insurance is also included under
the marine insurance. Freight refers to
the revenue that a cargo ship earns or the
money which is paid to the shipowner for
transportation of goods from one part to
another. If businessman does not pay
freight of his goods to the shipowner,
shipowner may have to experience
If such types of loss occur insurance
company indemnifies the shipowner to
marine insurance. So marine insurance is
very important for the freight.
4. Importance of Marine Insurance for
A businessman wants to be secured
for his goods. Especial ly countries
which are located on the other side
of sea, businessman may have to use
marine venture. Marine insurance
keeps them away from worry and fear
or al l responsibi l ity of cargo owner
is transferred to the hand of insurance
company that provides compensation to
the cargo owner if loss occurs.
has been increased
due to the marine
also can receive
by including extra
income tax. So
marine insurance is
important for the
38. MEDICAL EVACUATION
We protect you from point of injury until repatriation,
when a call comes in, a pre-arranged medical chain
is turned live for that location. We organize and
simplify all air and ground assets, medical care,
VISAs, international travel and diplomatic issues,
whilst always considering employer and family
concerns. Medical evacuations are coordinated from
our Operations Centre. We have access to a myriad
of physical, linguistic, IT and financial resources
enabling us to put the patient’s requirements first.
Our flexibility means we can listen to what the
patient, the company and the family want; we advise
Political instability can flare up quickly and cause
serious physical and commercial danger. To combat
this Auxilium offers a comprehensive global Political
Evacuation product. Clients receiving this service
can operate safely in the knowledge that should
the need arise, Auxilium will ensure that they are
extracted in a timely and efficient manner, with the
utmost regard for personal safety. Once the client
has been extracted to safety, Auxilium will repatriate
the client home. As with Medical Evacuations, all
Political Evacuations are coordinated from our
39. In the unfortunate event of an incident proving fatal,
Auxilium assists the bereaved family with the road or
air repatriation of the mortal remains of beneficiaries
to a funeral home closest to their normal place of
residence.As with all our operations, any such move
will be taken in conjunction with the client; Auxilium
recognize the sensitivities involved in such cases.
Direct billing is in the heart of Auxilium’s strategy.
Auxilium has set up a dedicated unique way of
working with “medical networks” in the most conflict
regions. We have our person’s on-field and they can
arrange for the admission, guarantee of payment and
following up with hospitals to control the medical
treatment cost, if you are in Iraq, Libya, Yemen or
Syria contact us and we will arrange your stay
The medical claims process is initiated when a policyholder goes to a healthcare provider for a medical
service, which can be anything from obtaining a monthly prescription to major surgery. After the
policyholder receives the service, they are usually financially responsible for a deductible, which is the
amount of money that the policyholder agrees to pay before their insurance starts. We at Auxilium will
connect the policy holder with hospitals and insurance provider in the most efficient and smooth way to
make sure that all parties are satisfied.
Repatriation of mortal remains (RMR)
Direct Billing Hospitalization
Medical Claims Processing
40. In-Field Medical
ServicesIn the more remote and challenging parts of the world it is often compulsory
to have an integrated medical capability. Auxilium concentrates in providing
a full range of deployable medical facilities designed to meet your needs.
These can range from having access to a team medic, or a remote medical
physician, to having a field hospital on site. Our medical partners are highly
qualified, have experience in the field and can work in any environment.
Additionally, we develop relationships with the best public and private
hospitals, clinics and private physicians wherever our clients operate, and
have our own medical staff carry out medical audits of facilities