Personal Accident Insurance in the UAE

Personal Accident Insurance may provide specified financial benefits when an insured person suffers accidental bodily injury during the policy period. Depending on the issued schedule, benefits may be payable for accidental death, permanent disablement or other consequences of a qualifying accident.

Cover may be arranged for an individual or a declared group, such as employees of a business. The insured persons, occupations, benefit amounts, territorial limits and period of cover must be accepted by the insurer. All claims remain subject to the policy definitions, limits, conditions and exclusions.

What Personal Accident Insurance May Cover

Depending on the issued policy, benefits may include:

1. Accidental death: The stated benefit may be payable when an insured person dies as a direct result of a qualifying accident within the period specified in the policy.
2. Permanent total disablement: A stated benefit may be payable when accidental bodily injury results in permanent total disablement as defined by the policy.
3. Permanent partial disablement: A percentage of the stated benefit may be payable according to the disablement scale contained in the policy.
4. Temporary total disablement: A weekly benefit may be available for a limited period when expressly included and supported by medical evidence.
5. Accident-related medical expenses: Eligible medical expenses may be reimbursed up to the stated limit when this benefit is included.
6. Other specified benefits: Additional benefits may be considered only when expressly listed in the issued schedule or endorsements.

A benefit is not automatically payable whenever an insured person is injured. The event must meet the policy definition of an accident, directly cause the insured injury and satisfy the applicable medical and notification requirements.

Who May Need Personal Accident Insurance?

The policy may be relevant to:

1. Individuals seeking specified accident-related benefits.
2. Employers arranging Group Personal Accident cover for employees.
3. Associations or organisations arranging cover for declared members.
4. People whose occupation involves travel or physical work.
5. Individuals participating in activities accepted by the insurer.

Group Personal Accident Insurance does not automatically replace an employer’s obligations under applicable UAE employment law, contractual requirements, Workers’ Compensation Insurance or Employers’ Liability Insurance.

Territorial and 24-Hour Cover

Cover may apply within a specified geographical area or worldwide, depending on the issued schedule. It may also operate on a 24-hour basis or only during declared working hours, business travel or specified activities.

Worldwide or 24-hour protection should not be assumed unless it is expressly stated. Territorial restrictions, sanctioned territories, travel conditions and excluded activities may apply.

Important Policy Conditions

1. Accident definition: The injury must result from a sudden, external and accidental event that meets the policy definition.
2. Age limits: Minimum and maximum entry or renewal ages may apply.
3. Occupation: The insured person’s occupation and work duties should be accurately declared.
4. Benefit limits: Each benefit is subject to the amount stated in the policy schedule.
5. Medical evidence: Medical reports, examinations and disability assessments may be required.
6. Prompt notification: An accident should be reported within the time required by the issued policy.
7. Material changes: Changes to occupation, activities, residence or insured group membership should be disclosed where required.

Common Exclusions and Limitations

Personal Accident Insurance may exclude or restrict injury arising from:

1. Illness or disease: Medical conditions that are not directly caused by an insured accident.
2. Pre-existing conditions: Existing injuries or medical conditions, depending on the issued wording.
3. Intentional injury: Self-inflicted injury, attempted suicide or deliberate exposure to danger.
4. Alcohol or drugs: Injury connected with alcohol misuse, illegal drugs or medication not taken as prescribed.
5. Hazardous activities: Motor racing, aviation activities, diving, climbing or other hazardous sports unless specifically accepted.
6. Criminal acts: Injury arising while committing or attempting an unlawful act.
7. Excluded events: War, nuclear risks and other exclusions stated in the issued policy.

Personal Accident and Other Insurance

Personal Accident Insurance is not the same as Health Insurance. Health Insurance generally covers eligible healthcare expenses arising from illness or injury, while Personal Accident Insurance pays specified benefits following a qualifying accident.

It is also different from Life Insurance, which may provide broader death benefits according to its own terms. Employers may need separate Workers’ Compensation or Employers’ Liability cover for workplace obligations and employee claims.

What to Do After an Accident

1. Obtain appropriate medical treatment without unnecessary delay.
2. Notify Al Buhaira Insurance as soon as reasonably possible.
3. Keep medical reports, prescriptions, invoices and test results.
4. Retain police or incident reports where applicable.
5. Provide employment, salary or attendance records if requested.
6. Cooperate with medical examinations or disability assessments.
7. Submit the completed claim form and supporting documents.

How to Request a Quotation

Individuals and organisations can submit initial information through Al Buhaira Insurance’s dedicated Personal Accident Insurance quotation page. The assessment may consider the insured persons’ ages, occupations, activities, group size, territorial requirements, requested benefits and claims history.

A quotation does not confirm that insurance has started. Cover begins only after the required information has been reviewed, the terms have been accepted and the applicable policy documents have been issued.

Documents Required

The insurer may request documents and information such as:

1. Completed proposal or quotation form
2. Emirates ID or passport details
3. Visa or residency details, where applicable
4. Occupation and work-duty information
5. Requested accidental death and disablement benefits
6. Territorial and 24-hour coverage requirements
7. Details of sports or hazardous activities
8. Employee or member schedule for group cover
9. Salary details where benefits are salary-based
10. Previous insurance details and claims history
11. Employer or contractual insurance requirements

Why Choose Al Buhaira Insurance?

1. Miscellaneous insurance range: Personal Accident Insurance is available within Al Buhaira Insurance’s miscellaneous insurance products.
2. Dedicated quotation page: Individuals and organisations can submit initial insurance details online.
3. Individual or group assessment: Quotations can consider the declared persons, occupations, requested benefits and territorial requirements.
4. Policy enquiries: Customers can enquire about issued benefits, limits, conditions and exclusions.
5. Claims enquiries: Policyholders can report accidents and submit supporting documents for assessment under the issued policy.

Frequently Asked Questions