A lump sum if an accident causes injury, disability or worse.
Personal accident insurance pays a lump sum if you suffer death or disability from an accident, and often a weekly benefit while you cannot work. It is optional and works alongside health and life cover. Compare the benefit amounts for each type of injury, the exclusions, and whether worldwide and work cover are included.
The points that decide whether the cover is worth it.
How much is paid for death and for each level of disability.
Whether you are covered outside the UAE and at work.
Income while you recover and cannot work, if included.
High-risk activities and pre-existing conditions are often excluded.
It pays a lump sum if an accident causes death or permanent disability, and often a temporary income benefit while you cannot work. It is separate from health insurance, which pays for treatment.
It overlaps but is not the same. Health pays for treatment, life pays on death from any cause, and personal accident pays a defined sum for accidental injury or disability, including partial disability. Compare what each gives you.
Injuries from high-risk activities, self-harm, being under the influence, and pre-existing conditions are common exclusions. Read the policy wording.
Two policies can pay very different amounts for the same injury. Compare the scale.
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