Personal Accident

Overview

You spend your entire life trying to make the most out of it and enjoying the opportunities it has to offer. Yet, accidents can happen when we least expect them and they can turn everything upside down. While you can’t always prevent them, you can make sure your loved ones will be taken care of in times of distress, with an appropriate insurance policy.

While minor accidents can impair you temporarily, major ones can severely impact your life and welfare. So, can your finances handle them? Better safe than sorry!

Pause for a moment to think, what will happen to your family if, god forbid, you become permanently disabled because of a mishap? There would be no monthly or annual earnings, only bills and other expenditures mounting up. Therefore, to safeguard your family’s future, it is important to purchase a robust Personal Accident Insurance Policy through Edge!

What is Personal Accident Insurance?

A Personal Accident Insurance policy provides you financial assistance in case of an accident leading to injury or death. It provides 24-hour protection, so it can pay out if you’re injured while you’re working or outside of work. That way, you ensure that your family can tide over some of the resulting financial difficulties and you get peace of mind to recuperate and move on with life.

Some people are certain their regular health insurance will take care of their medical needs and any emergencies that arise. After all, that’s what it is for, right? Maybe. But, maybe not. Accidents happen more often than we like to believe, and in some emergency situations, your regular medical insurance won’t be enough to save you from extremely high out-of-pocket expenses. That’s why we help you plan for the unexpected.

What does the policy typically cover in case of an accident?

Accidental Death – Loss of life due to an accident

An unexpected event caused by violent, sudden, external and visible means causing death within 365 days from the date of the accident.

Permanent Total Disability due to an accident

Permanent total and absolute disablement as a result of an accident which entirely prevents you from ever again working again. Permanent means the disablement lasts 365 days and, at the expiry of that period, is beyond hope of improvement.

Permanent Partial Disablement due to an accident

Disablement as a result of an accident which forever prevents you from working at full physical capability because of an Injury.

Accident Medical Expense Reimbursement

Repayment of medical, surgical or hospital fees necessarily incurred as a result of an accident.

Repatriation of Mortal Remains

Transportation of your bodily remains to your home country following your accidental death.

24/7 Worldwide Coverage

Benefits payable under this policy can offer you coverage at home, at work and while travelling overseas, 24 hours a day, 365 days a year.

  • We answer any question you may have & compare multiple insurance quotes within minutes.
  • We highlight any areas of your quote where you might have too much or too little coverage, so we are sure that you are provided with the best insurance to protect yourself and your loved ones.
  • We compare Insurance plans from multiple insurance providers to find you the ideal coverage for your needs and help save on your insurance premiums.
  • If you need help our insurance advisors can offer assistance by phone or email.
  • Even after you buy your insurance, we help you with claims and make any policy changes you may require.
  • Your personal details (like your name, date of birth, contact details, nationality)
  • Occupation
  • Nature of Business
  • Monthly Salary
 

Once you’ve selected your plan, you will be asked to submit:

  • Duly filled up proposal form.
  • Your beneficiary information
  • Passport copy with Visa page / Emirates ID
  • Your address, email and contact numbers

Frequently Asked Questions (FAQs)

Quickly find out if we’ve already addressed your query.

The age-limit to be eligible for personal accident cover is 18 – 69 years.

  • Suicide, attempted suicide or intentionally self-inflicted Injury or illness
  • Acts of war
  • Serving in the Military or Armed Forces
  • Professional Sports and hazardous activities
  • Pre-existing conditions
  • Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection
  • Pregnancy and all related conditions

The complete list of exclusions can be made available upon request.

Accident means a sudden, unforeseen and unexpected event caused by external, violent and visible means (but does not include any illness or disease) which results in physical bodily injury (but does not include mental, nervous or emotional disorders, depression or anxiety).

Accidental Death means a sudden, unforeseen and unexpected event caused by external, violent and visible means which occurs at an identifiable time and place, resulting in death.

Any payment for Accidental Death becoming due shall be payable to the legal Beneficiary.

The Personal Accident coverage that would accompany a car insurance policy is limited to injuries that have directly resulted from a car accident whilst these policies are not restricted to a specific event.

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