Personal Accident

Provides personal accident cover for managers/employees on a 24 hour worldwide basis.

Cover Provided

  • Death
  • Total and permanent loss of or loss of use of one or more limb(s)
  • Total and irrecoverable loss of sight in one or both eyes or permanent total loss of hearing in one or both ears or permanent loss of speech
  • Permanent total disablement occurring within 24 months of the happening of the accidental bodily injury
  • Temporary total disablement

Extent of Cover

  • For covers 1 to 4 as per amount agreed in policy schedule
  • Medical expenses in connection with the injury to a limit of:
    • 15% of total claim under covers 1 to 5 (up to a maximum AED 15,000/- any one person)

Usual Exclusions

This policy will NOT cover the following:

  • Sickness (physical or mental), disease or any naturally occurring condition or degenerative process
  • Bodily injury directly or indirectly caused by pregnancy or childbirth
  • Taking part in naval, military or air force service or operations
  • Where under the influence of intoxicating liquor or drugs
  • Result of intentional self injury, attempted suicide or whilst carrying out any criminal act
  • Any ‘excluded activities’ listed in the policy
  • Travelling other than by regular airlines, vessels or approved multi-engine charter flight

Available Extensions

  • Permanent partial disablement relating to covers 2,3 and 4 subject to continental scale attached to the policy
  • Accidental bodily injury caused by acts of terrorism