A U X I L I U M
We have a insurance touch
In our profile
DEFENCE BASE ACT COVER
WHAT IS DBA
All what you need to know
about defence base act insurance,
who need it, what it covers and
how to obtain a cover
THIRD PARTY ADMINISTRATORS
T.P.A  "DBA ACT"
Medical Evacuation ,Political
Evacuation, RMR and Claims
handling, read more about our
T.P.A services in our profile
A S S I S T A N C E
GENERAL INSURANCE
LIFE INSURANCE
learn more about all insurance
products that we can provide via
our Lloyd's of London insurance
brokers 
Any employer who fails to
secure coverage by
authorized insurance carriers
or by becoming an authorized
self-insurer is subject, upon
conviction, to a fine of not
more than $10,000, or by
imprisonment for not more
than one year, or both. 
JANUARY 2018

Auxilium

About US Our Mission Auxilium Assistance

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 operate in.
Amman - Jordan
Auxilium is a dedicated Life support agency Erbil - Iraq
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
Why Auxilium
holding ourselves to the highest ethical
standards. We encourage personal growth We know what it takes
and life planning through exceptional service for successes businesses
and competitive product offerings. to be constant in the
MENA region. 
Our Vision  we have the key to keep
you safe
Be the world's life support company.
Through all of our products, services and
relationships, we will keep you protected 
Auxilium Assistance

+962 770 777277
auxsupport.com
The only way to start successful business in the 3rd world is by knowing culture, language and connections. We at Auxilium info@auxsupport.com
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 19 Ibn Khaldoun Street 
make us doing the job in the best way.  3004 Amman 11953 Jordan
 AUXILIUM'S LIFE STORY 

THE EDGE OF
SECURE
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
WHY JORDAN
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
 WHAT WE CAN DO

OUR
PRODUCTS
 DEFENSE BASE ACT COVER
DBA
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, 42 1651-54 and the
Longshore and Harbor Workers'
Compensation Act, 33 901-50.
Who is Covered?
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
located outside the United
States.
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
country.
Benefits under the Defense Base Act
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 the
injury 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.
 PERSONAL ACCIDENT
INSURANCE
GET COVERED AGAINST ACCIDENTAL DEATH
AND DISABILITY

‘A’ RATED SECURITY THROUGH LLOYDS OF

Accident insurance is a sensible way for your company to deal
with the increasing costs due to many of today’s medical plans. LONDON
Available at affordable group rates, accident insurance allows
you to deliver a comprehensive employee benefits package WAR AND TERRORISM COVER INCLUDED AS
while protecting your company’s bottom line.
STANDARD
Offering group accident insurance as part of your  benefits
package can provide your employees with an    extra level of ACCIDENTAL DEATH AND DISABILITY: LUMP
financial protection to help cover out-of-    pocket medical SUM BENEFIT
expenses such as deductibles, copays, and coinsurance - and
even non-medical expenses in the  event of an accident. 
TEMPORARY TOTAL DISABLEMENT: INCOME
No matter how hard you try to avoid them, accidents can still REPLACEMENT WITH SALARY PAID UNTIL
happen. In one year alone, over 80 million people in the U.S. INSURED IS FIT TO RETURN TO WORK
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 MEDICAL EVACUATION AND REPATRIATION
your employees could be overwhelming.  INCLUDED

As the health insurance market shifts more responsibility to

individuals through higher out-of-pocket costs, you can help DAILY RATES AND FLEXIBLE PAYMENT
your employees avoid financial hardship without increasing OPTIONS AVAILABLE
costs to your company.
 M E D I C A L

I N S U R A N C E
Medical insurance is a type of insurance
coverage that covers the cost of an
insured individual's medical and surgical
COVERAGE
expenses. Depending on the type of
health insurance coverage, either the
● ANNUAL BENEFIT OF
insured pays costs out-of-pocket and is
then reimbursed, or the insurer makes
US$ 1 MILLION
payments directly to the provider.
● AVAILABLE TO ALL
In health insurance terminology, the
"provider" is a clinic, hospital, doctor,
NATIONALITIES
laboratory, health care practitioner, or
pharmacy. The "insured" is the owner of
● DIRECT SETTLEMENT
the health insurance policy; the person
with the health insurance coverage.
FACILITY

We have developed a simple modular

● ONLINE FACILITY FOR
system, allowing you to pick and choose
the benefits you want. These include
OUTPATIENT CLAIMS
hospital and out-patient cover, maternity
and dental treatment plus an emergency
● MEDICAL
medical evacuation option. Our long-
established relationship with the
EVACUATION AND
insurance providers means we can
provide a host of additional benefits
REPATRIATION COVER
including cover for pre-existing
conditions, subject to policy conditions.
INCLUDED
We can even offer a nil excess option.
COVERAGE

TRADITIONAL BENEFITS
OF EVACUATION AND
REPATRIATION PLANS
EMERGENCY MEDICAL
EVACUATION
RETURN OF MORTAL
REMAINS

SPECIALIST THIRD PARTY EVACUATION

ASSISTANCE (TPA) Both Medical and Political Insurance 
COMPANY WITH
DELEGATED AUTHORITY
Medical evacuation and repatriation insurance is designed to provide
additional coverage to plans that only offer limited benefits. Medical
MULTILINGUAL, 24/7
evacuation and repatriation plans traditionally offer two core
RESPONSE SERVICE
benefits, making them an ideal supplement to already existing health
insurance coverage. Not only are the benefits of these plans
EMERGENCY MEDICAL necessary for travel outside of your home country, repatriation and
TREATMENT COVERED evacuation coverage are often required for international students by
their institutions and by many governments to obtain a variety of
MEDICAL EVACUATION visas.
AND REPATRIATION
EXPENSES INCLUDED 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
FOLLOW-UP HOME COVER in order to secure your self against any unexpected event could
(UP TO 3 MONTHS) cause you your life or a huge amount of money 
 K I D N A P A N D

R A N S O M

I N S U R A N C E

K&R

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
*Transit/delivery - Loss due to destruction,
disappearance, confiscation, or wrongful
appropriation of ransom monies being
delivered to a covered kidnapping or extortion
*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 consultants.
These consultants provide advice to the
insured on how to best respond to the incident.
Even the most basic training for people
traveling to dangerous places is not easily
provided or is not obtained by small to mid-
sized companies.
K
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
policy.
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
 L I A B I L I T Y

I N S U R A N C E

WE TALK ABOUT HOW WE CAN

SECURE YOUR BUSINESS AND
PROPERTIES

L
iability 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 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:
Employer’s liability and Director and officer
workers' compensation liability coverage is for a
is a type of mandatory business that has a
coverage for employers, board of directors or
which protects the officers, with the
business against insurance covering them
liabilities arising from against liability if the
injuries or the death of company is sued. While
an employee. a corporation by
definition offers some
Product liability amount of personal
insurance is for protection against
businesses that liability to employees
manufacture products and directors, some
for sale on the general companies choose to
market. Product liability provide additional
insurance protects protection to those key
against lawsuits arising members of the Commercial liability insurance is a
from injury or death executive team. standard commercial general liability
caused by their policy (also known as comprehensive
products. An umbrella liability general liability insurance) that provides
policy is a personal insurance coverage for lawsuits arising
Indemnity insurance liability policy designed from injury to employees and public,
provides coverage to to protect against property damage caused by an employee
protect a business catastrophic losses. and injuries suffered by the negligent
against negligence Generally, umbrella action of employees. The policy may also
claims due to financial liability coverage kicks in cover infringement on intellectual
harm resulting from when the liability limits property, slander, libel, contractual
mistakes or failure to of other insurance are liability, tenant liability and employment
perform. reached. practices liability.

VARIOUS TYPES

OF LIABILITY

INSURANCE
Commercial General Liability (CGL)

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.

Prior Acts Coverage

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.

Umbrella Personal Liability Policy

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.

Backdated Liability Insurance

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

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.
 TRAVEL
INSURANCE
ENJOY YOUR TRIP

When going travelling, many travelers are often quick to dismiss the need for travel insurance.
Purchasing a policy is frequently viewed as an unnecessary expense, although it can save you a
fortune if things go wrong while you’re abroad, from covering the cost of accidents to providing
24-hour emergency assistance. No one wants their exciting trip overseas to go awry, but it’s
important to realise that something negative could happen, and in these situations it always helps
to be covered by a comprehensive travel insurance policy.

Before you start your trip, make sure to do your research so you can travel smart and safely.
Most travel insurance providers offer a selection of policies that allow you to choose a policy
suited to your needs. For example, a policy with a sports grade will cover you for accidents and
equipment related to activities like scuba diving, horse riding, and skiing, while a group policy
allows coverage for groups of 15 or more people going on vacation together. It is thus important
to ask yourself what kind of policy you’ll be needing so that you purchase the right kind of travel
insurance that will provide coverage for the things that you’ll be doing. Don’t forget to read the
fine print – however long it may be – to the policy that you purchase, so that you know what
kind of coverage you will receive.
 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.

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 liability.

Aviation liability
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 is
established.

Aviation cargo
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.)
AVIATION
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
INSURANCE being transported to or from may also
create a regulatory and tax location of risk.
Auxilium Assistance Specialists 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 perils, or "All Risks", including war
MARITIME
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
delivery of time-sensitive goods can also
be included.
INSURANCE
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 detail.
1. Importance of Marine Insurance for The
Individual
A person has to import goods from another
country which is located on the other side of sea
for his business. While 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.
3. Importance of Marine Insurance for Freight
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 economic loss.
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 Cargo
Owner

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
insurance for shipowner.
A businessman wants to be secured for his goods.
Especially 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 all responsibility of
cargo owner is transferred to the hand of
insurance company that provides compensation
to the cargo owner if loss occurs.

Importance of Marine Insurance for The Government

International trade has been increased due to the marine

insurance. As international trade increases government also
can receive economic profit. Government increases revenue by
including extra income tax. So marine insurance is important for
the government also.
 SERVICES
the wedding magazine
 MEDEVAC

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 and coordinate.
 Political
Evacuation

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 Operations Centre.
 Repatriation of
mortal remains
(RMR)

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 hospitalization

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
MEDICAL CLAIMS
PROCESSING
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.
 In-field medical services
In 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
W E H A V E A I N S U R A N C E T O U C H