Your Safety Net in Life's Unexpected Moments!
What is Personal Accident Insurance?
Be ready for the unexpected. With our provided personal accident insurance, you can safeguard your future as you experience life. You can never tell when you’ll get into an accident or how it will affect you, but Colemont’s provided accident Insurance protects you against these potentially life-changing catastrophes for you and your entire family. Our personal accident insurance provides coverage for death, permanent entire disability, and permanent partial disability, helping you cope with the psychological, physical, and monetary effects of such an accident.
What Our Personal Accident Insurance Coverage Entails
Our personal accident insurance coverage offers a comprehensive array of benefits designed to provide financial security and peace of mind to our valued clients.
At Colemont, we prioritize your well-being and financial security by bringing in wide range of insurance coverages available, you can embrace life with confidence, knowing that you have got covered when the unexpected happens.
Contact our dedicated team of insurance experts today to explore the full range of benefits and options available to you. Your safety and peace of mind is our top priorities.
FAQs About Personal Accident Insurance In UAE
What does personal accident insurance cover?
It provides a lump-sum financial payout in the event of Accidental Death or Permanent Disability (such as loss of a limb or sight). Comprehensive policies also cover Temporary Total Disability (weekly income if you can’t work while recovering) and emergency medical expenses resulting from an accident.
Is personal accident insurance mandatory in UAE?
For individuals, it is optional. However, it is effectively mandatory for employers to cover their staff against work-related injuries (Workmen’s Compensation). Many companies buy group personal accident policies to meet this legal liability and provide extra benefits to employees.
How to claim accident insurance in UAE?
The most critical step is obtaining a Police Report confirming the accident occurred; insurers in the UAE rarely settle without one. You then submit this along with the medical report and a completed claim form to your broker or insurer, typically within 30 days of the incident.
Is it worth getting personal accident insurance?
Yes, because it fills a gap health insurance leaves open. Health insurance pays the hospital, but Personal Accident insurance pays you (or your family). This cash can replace lost income, pay off debts, or fund lifestyle adjustments (like a wheelchair ramp) if you become disabled.
Do I need full coverage in personal accident?
It is highly recommended. Basic policies only cover Death and Permanent Disability. “Full” or broader coverage adds Temporary Total Disability (TTD), which pays your weekly salary if you are recovering from a broken leg and can’t work for a few months—a much more likely scenario than death.
How much does personal accident insurance cost in the UAE?
It is one of the cheapest forms of insurance. A standalone policy with AED 100,000 – AED 200,000 coverage typically costs between AED 100 to AED 250 per year. It is often available as an inexpensive “add-on” to car insurance for as little as AED 120.
What is the minimum age for personal accident insurance?
To be the primary policyholder, you generally need to be 18 years old. However, coverage generally extends to individuals up to 65 or 70 years old. (Some family plans allow coverage for children as dependents).
How to check personal accident insurance online in UAE?
Unlike health or vehicle insurance, there is no central government portal (like EVG) for personal accident policies. You must check directly via your insurance provider’s mobile app/website or review the policy certificate emailed by your broker.
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