[Personal Accident Insurance]

Making sure you are prepared for life's unexpected turns

Let’s face it. No matter how cautious you are and how many precautions you take, accidents will happen… Anytime and anywhere! God willing they are small, but sometimes they can be quite tragic resulting in disablement, loss of limbs or even death. Oriental Insurance offers Personal Accident Insurance for just such events as it covers the policyholder against death or disability due to an accident.

You should consider a Personal Accident Policy because it plugs an important hole in your insurance portfolio. Firstly, it will provide financial support to the policyholder if he is disabled after an accident. Secondly, the magnitude of the mishap doesn’t matter; even minor ones like falling off a bicycle and breaking an arm, or fracturing a leg while playing football are covered by the policy.

There are also some additional benefits available without payment of additional premium like such as reimbursement of expenses for the repatriation of the dead body.

Details on what our Personal Accident Insurance Policy covers.

The policy is to provide compensation in the event of accidental injuries and death. What are termed as capital sums are paid in the event of death or certain specified injuries, such as the loss of limbs or sight as may be defined in the policy.

A typical benefits schedule will be as shown below:

Accidental Death
100% of the sum insured
Permanent Total Disability
100% of the sum insured
Loss of 2 limbs, 2 eyes or one limb and one eye (Permanent Partial Disability).​
100% of the sum insured
Loss of one limb or one eye (Permanent Partial Disability)​​
50% of the sum insured
Other permanent disabilities as per Scale given in the Policy​​​
As per schedule given in the Policy
Temporary total disabilities due to accident not resulting into any of the​​​​ above
1% of the sum insured per week for 52 weeks. Maximum Benefit 100% of Sum Insured​
Medical Expenses (Diseases and sickness not covered)​​​​
The policy shall cover medical expenses upto Dhs.5,000/- per person/per year for treatment of accidental injuries in hospital and clinics.​
Repatriation Expenses (In case of death only)​​​​
Actual expenses payable upto maximum Dhs. 7,500/- per person.​

The cover will be on World Wide/ 24 hours basis.
This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident​​.

What is not covered under Personal Accident Policy​​.

In the interest of complete transparency, which is one of our main principles towards gaining customer trust and loyalty, we would like to bring to your kind attention the following ‘exclusions’ under this policy.

a) Intentional self injury
b) Suicide or attempted suicide
c) Death or disablement resulting from child birth and pregnancy
​d) Accident while the insured is under the influence of intoxicating liquor or drugs
e) War and allied perils.​

How do I purchase this policy?

For detailed information:

You can also fill out the Proposal Form below and send it to us. One of our agents will be in touch.