Maid dies 'after being starved and beaten' Dubai court told

DUBAI // A housemaid died after being locked in a room where she was beaten and starved for almost two months, a court heard yesterday.

Prosecutors told the Criminal Court that the incident leading to the death of Khadija Kamel was just one of a list of abuses against two maids working for RM, 45, an Emirati customer service officer.

They said she assaulted the maids regularly, banging their heads on walls and beating them with wooden sticks until they bled.

She watched them through surveillance cameras and found cruel ways to punish them for perceived failures, forcing one to drink a cup of detergent and the other to sniff dirty underwear.

She also forced them to strip and took pictures of them naked with her mobile phone.

The court heard matters came to a head when the woman locked the maids in an upstairs room in which her husband, the Emirati police officer AKH, 42, had installed metal bars across the windows.

She starved them for up to five days at a time, on other occasions giving one of them food and forcing the other to watch.

Both maids developed blood poisoning as a result of the abuse and malnourishment, and eventually Kamel became so weak she could no longer move.

She weighed only 38 kilograms when she died.

IN, 29, the Filipina maid who survived the almost two-month ordeal, arrived in the UAE on October 16 last year to work for the couple, who have four children between the ages of 3 and 11.

She told the Criminal Court that the abuse began as soon as she arrived in their house. She would be given only a cup of tea and a piece of bread for breakfast and lunch, and would be denied dinner.

The couple locked the kitchen door every evening to make sure the maids could not get any more food.

The Filipina said her first job was to accompany the three-year-old son on car journeys.

"She used to leave me and the boy locked in the car for four hours, but with the air-conditioning on, while she used to finish her errands," she recalled.

A week into the job her employer became even more abusive.

"She slapped me on the face for not separating the underwear from the rest of the clothes, and things only got worse … she started hitting me with her hands and feet and with a broom."

The woman told the maids that she and her husband were influential people so they should not dare to complain.

"I thought of running away many times but I could not find the opportunity as she used to lock me inside and never let me leave the house," the Filipina said.

She met Kamel about a month after she started work.

"The employer brought her and asked me to not talk to her," she said.

Shortly afterwards the pair were locked in a bare room on an upper level of the house.

"She used to allow Khadija to sleep on a mattress in the room while she locked me in the bathroom," said the Filipina."In the morning she used to bring in Khadija in the bathroom and lock us in."

One time Kamel was starved for more than five days.

"During this period she provided her only with sugar with water, onion and a small piece of bread," said the Filipina maid.

On another occasion Kamel was allowed to eat while the other maid, also starving, was forced to watch.

"She used to say she can eat because she is Muslim and you have to watch as a punishment because you are Christian," said the Filipina.

Kamel's condition deteriorated and she lost consciousness.

"They then started providing her with food and let me take care of her as she could not move," she said. "I begged them to take her to hospital but they refused."

The Criminal Court charged the woman with confining two people against their will and causing the death of one of them.

She was also charged with physically abusing a third woman - a maid employed by another woman who worked for her temporarily.

Her husband was charged with aiding and abetting her by preparing the room for confinement, and with refusing to offer medical help.

The couple denied the charges. The next hearing was scheduled for July 1.


Company name: Almouneer
Started: 2017
Founders: Dr Noha Khater and Rania Kadry
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Number of staff: 120
Investment: Bootstrapped, with support from Insead and Egyptian government, seed round of
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Investors: Self-funded


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Rating: 4/5


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Investment required: $500,000

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Four motivational quotes from Alicia's Dubai talk

“The only thing we need is to know that we have faith. Faith and hope in our own dreams. The belief that, when we keep going we’re going to find our way. That’s all we got.”

“Sometimes we try so hard to keep things inside. We try so hard to pretend it’s not really bothering us. In some ways, that hurts us more. You don’t realise how dishonest you are with yourself sometimes, but I realised that if I spoke it, I could let it go.”

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.


Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.


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