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Personal Accident insurance covers a person in the event of death or disablement arising from an accident caused by external, violent and visible means.

An accident may include:

  • Rail, road or air accident
  • Injury due to any collision or fall
  • Injury due to bursting of gas cylinder
  • Snake-bite, frost bite or dog bite
  • Burn injury, drowning or poisoning

This is not an exhaustive list for the type of accidents.

No, this policy covers permanent total disability and death due to accident.

No, it is payable only in case of death due to an accident.

The age limit is between 18 and 69 years (Insured and Spouse). 

No, the coverage under this policy is worldwide. However, claims, if any, will be paid in UAE dirhams only.

Sum insured is based on various factors including but not limited to:

  • Income from gainful employment
  • Type of occupation
  • Age as on the date of proposal
  • Period of insurance
  • Conditions prevailing at the place from where the proposal is made and so on

When an insured person sustains accidental injuries resulting in loss of limb (as per the table of losses for Dismemberment/PTD) and is certified by a medical specialist that the injury is of a permanent total or permanent partial nature, then the insured is deemed to be permanently totally or partially disabled.

Temporary total disablement arises when a person is not in a position to perform the duties immediately after the accident. This has to be certified by a medical professional.

A Grace period of thirty (30) days is granted for the payment of each premium falling due after the first premium, during which time the Policy shall be continued in force, unless the Policy has been cancelled by the Insured / Insurer in accordance with the Cancellation Clause.

You shall be liable to Us for the payment of the premium for the period the policy continues in force. If loss occurs within the Grace Period, any premium then due and unpaid will be deducted in settlement

There are no tax benefits for the premium paid under these types of cover.

Yes, you can cancel the insurance policy midway.

In this case, the next of kin or legal heir, nominated by you will receive the coverage amount.

For Assistance


For any assistance on a new insurance quote call:

800 1 AIG (800 1 244)

During business hours:
Sunday to Thursday: 0900 to 1800 hrs

OR give us your contact number and we will call you back

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