It is not medical insurance
Medical insurance pays the hospital. Personal accident pays the employee or their family, in cash, on a defined event — death, permanent disability or a period of temporary total disablement. The two are complementary, not alternatives.
What it typically pays
- Accidental death: a multiple of annual salary, commonly 24 to 36 months
- Permanent total disability: the full sum insured
- Permanent partial disability: a scheduled percentage by body part
- Temporary total disablement: a weekly benefit while unable to work
- Medical extension: treatment costs arising from the accident
Why the cost is low
Accident frequency is low and the trigger is narrow, so the premium per employee is a small fraction of a medical plan. For most office-based workforces it lands well under a few hundred dirhams per head per year, which is why it is one of the highest-value additions to a benefits package.
Cover on and off duty
The default in many quotes is 24-hour worldwide cover, but some are written for working hours only. Confirm which you are buying — an employee injured at home on a Saturday is the exact scenario the benefit exists for.
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