Al-Badia Insurance Company

AL-BADIA insure all contractor risks and all erection risk to protect investors and contractors from unforeseen events that cause financial loss to their construction works or other engineering project. Contractors’ All Risks (CAR) Insurance: compensates the owner and/or the main contractor or sub-contractors for unexpected and sudden material losses and not exceeding the value of the project (the amount of insurance). - Fire, Lightning, Explosions - Floods, Inundations - Windstorms of any kind - Earthquakes - Thefts, Burglaries - Bad workmanship, Lack of skill, Negligence, Malicious acts or Human error - Third Party Liability (Material Damage, Bodily Injury Death & Permanent Disablement) ​Project Machines and Equipment Insurance: covers unforeseen and sudden physical loss of or damage to the insured items (plant, machinery and mechanical equipment at work or during maintenance operations). - Fire & Explosion - Theft - Coup & Collision ​Project Machines and Equipment Installation Insurance: covers unforeseen and sudden physical loss of or damage to the insured items during the equipment installation. - Errors that occur during the equipment installation - Equipment installation damage during the maintenance cover period - Third Party Liability (Material Damage, Bodily Injury Death & Permanent Disablement)

Live a carefree life full of adventures. ​AL-BADIA's personal policy ensures financial support for you and your family in case of any unfortunate incidents. This plan provides a wide range of basic optional coverage that guarantees a lump sum to your beloved ones in case of death or any disability.​ The company will pay compensations for the injuries resulting from the accidental events that may affect the insured and/or one of his employees and which leads to death or total or partial disability. ​ Standard Program - Accidental Death - Permanent Partial Disability - Permanent Total Disability ​Expanded Program ​- Accidental Death - Permanent Partial Disability - Permanent Total Disability - Medical Expenses - Weekly Indemnity

Our medical insurance covers the treatment of healthcare conditions incurred following sickness and/or accidents. ​In-Hospital - Optional limitation coverage per person per year - All diagnostic endoscopic procedures and all surgical procedures - One-day treatment basis (endoscopy, gastroscopy, chemotherapy, radiotherapy, etc.) - Emergency treatments (medical/ surgical) are fully integrated under this plan - Pre-operative tests are covered under the In-Hospital Plan - Physiotherapy treatment related to a covered hospitalization - Maternity is covered after a 300-day waiting period (unless continuity is provided). When it is covered, babies are granted a Guaranteed Renewability from day 14, whatever their state of health is. They are covered free of charge till the end of the current contract - Coverage of Parental Accommodation benefit that provides a "free of charge" extra bed for one parent accompanying a confined child aged less than 18y - All emergency hospitalization abroad will be covered up to optional per person per year. This additional cover excludes pre-existing cases. - Additional features: Nursery/Incubator for newborns covered with a limitation of days, Transient Neonatal Jaundice, Dialysis sessions for Acute Renal Failure (initial admission), Surgery related to Cornea transplant, valves relating to heart surgery, unlimited prosthesis related to post-traumatic accidents, prosthesis following sickness limited to optional per prosthesis, epidurals related to covered maternities... ​Out-Hospital - Ambulatory (AM) ​- AL-BADIA covers either 85% or 100% of the Laboratory and Diagnostic Tests with the optional number of transactions that do not require a stay in the hospital. The services are done through our TPA. Network covering all the geographically agreed territories. - Diagnostic Tests include the following: Radiology, C.T. scan, MRI, VCT 64, PET scan, Ultrasonography, Laboratory tests, Nuclear medicine tests, Electroencephalogram, Electrocardiogram, Electromyogram, Audiogram, Stress test, Evoqued response, Occular Angiography, Thallium Myocardic Scintigraphy, Echocardiography, Holter monitoring. - Prescription Medicines (PM) - AL-BADIA covers 85% or 100% of the Prescription Medicines with the optional number of transactions. It is an optional rider to our product. Using the medical access card, you can get your prescribed medicines from the nearest pharmacy with our TPA network. - The cover includes and is subject to the following: - Medications registered and approved by the Ministry of Health of each region and prescribed by your attending physician - Easy access to the wide network of pharmacies ​Doctor’s Visits (DV) The Doctor’s Visit benefit is an optional rider. It covers the physician’s consultation fees. The main advantages of the DV plan are the following: - Medical consultations at any registered physician’s clinic. - In-clinic diagnostic services (under the AM benefit). - Vaccinations (under the PM benefit). - Optional transactions per person per year with a maximum charge (to be agreed) – per consultation.

Feel safe with our reliable motor insurance. Sudden accidents might happen any minute on the road, AL-BADIA is responsible for the damages that may occur to the insured vehicle while using it on the road or parking it in the designated places. ​ Standard Program - Fire & Explosion - Theft - Coup & Collision - Third Party Liability (Material Damage, Bodily Injury Death & Permanent Disablement) Expanded Program ​- Fire & Explosion - Theft - Coup & Collision - Third Party Liability (Material Damage, Bodily Injury Death & Permanent Disablement) - Personal Accident for driver and passengers (including Death & Permanent Disablement - Medical Expenses due to an accident for the driver and the passengers - Terrorism - Air Disasters (Lightning and Thunder) - Hail, Storm, Tempest and Flood

Marine insurance covers all losses and damages resulting from total and/or partial loss and/or damage to the insured materials. ​ Standard Program - Fire - Theft - Damages to transportation method ​ Expanded Program ​ - Fire - Theft - Coup & Collision accident for transport vehicle - Loading uploading (10% of shipping amount) - Shipping Fee - Terrorism

This program immediately connects you to doctors, hospitals, pharmacies and other services if you experience a medical or non-medical emergency while traveling outside of Iraq. ​ It covers: ​ - Medical Consultation, Evaluation & Referral - Foreign Hospital Admission Assistance - Emergency Medical Evacuation - Medical Monitoring - Prescription Assistance - Care of Minor Children - Compassionate Visit - Return of Mortal Remains - Emergency Message Transmission - Lost Luggage or Document Assistance - Legal & Interpreter Referrals - Pre-trip Information

Our fire insurance covers damages and losses that may be caused by fire to insured basic properties. ​ Standard Program - Property all risk ​ Expanded Program - Property all risk - Building damage (including electrical establishments) - Theft - Electrical Clause - Terrorism - Water damage - Natural Disasters (Earthquake, Storm, Tempest, Flood All Risks) - Loss of Profits/Rent - Removal of Debris - Consequential Loss - Third party liability (Material damage & Bodily injury Death & Permanent Disablement) - Impact of land vehicles - Falling aircraft and space craft, sonic boom

Converge for bodily injury, property damage, legal expenses and building – related clean-up costs resulting from pollution as well as protection from construction risks that occur on energy facilities. ​It covers:​ - Control Of Well - Oil and Gas Lease Property (OLP) - Rig and Hull Insurance - Energy Liability Insurance

Cash in safe: covers the loss of money kept in the safe. - Fire - Water Damage - Burglary / Theft Cash in transit: covers the loss of money transferred during the transfer process. ​- Transportation Accident - Burglary / Theft Fidelity guarantee ​ - It covers the loss of money sustained by the insured as a result of any act of fraud or dishonesty committed by his employees in the course of their duties.

The company is responsible for paying the remaining amount owed by the borrower of the total loan amount (without interest), as a result of non-payment by the borrower​. ​ ​AL-BADIA loan insurance is a solution to such problem as it provides cover to your loan in cases of: ​ - Death - Permanent Total Disability

AL-BADIA covers the value of material damage to third party property and/or third party bodily injuries caused by the insured, one of his employees or his property. - Material damage - Body injury ​ Standard Program of Bodily injury - Accidental Death - Permanent Partial Disability - Permanent Total Disability Expanded Program of Bodily injury ​ - Accidental Death - Permanent Partial Disability - Permanent Total Disability - Medical Expenses - Weekly Indemnity