What is personal accident insurance UAE?

A policy paying lump sum benefits for accidental death, disability or hospitalisation. Complements health and life insurance. From AED 99 per year.

How much PA cover should I buy?

Rule of thumb: 5 to 10 times annual income for sole breadwinners, or AED 500,000 to AED 1M minimum for mortgage holders.

Does it cover motorbike riders?

Yes with a small premium loading. Declare motorcycle use at inception.

What about bodily injury during sports?

Amateur sports are covered. Professional sports and motorsport are excluded unless on a specialist policy.

Does PA cover work-related accidents?

Yes. 24 hour cover includes work. Employers separately need Workmen Compensation for occupational injuries.

How fast is a PA claim paid?

7 to 21 days for death claims. Disability claims after medical board assessment (30 to 60 days).

Can I have multiple PA policies?

Yes. Sum insureds stack across different insurers since benefits are not indemnity-based.

What disability percentage table is used?

Standard UAE PA schedule: 100% for both eyes/hands, 75% for one arm, 60% for one leg etc.

Is hospital cash taxable?

No. UAE has no personal income tax. Benefits paid tax-free.

Can children be covered?

Yes, from age 1 in family plans. Sum insured typically capped at AED 250,000 for children.

Does PA pay for COVID or illness?

No. PA excludes illness by definition. Use health and life insurance for illness cover.

Is pre-existing disability relevant?

Any pre-existing partial disability reduces the total permanent disability payout.

What if I reach the policy max age limit?

Most policies renewable up to age 70-75. Specialist senior policies extend to 85.

Does it include mental incapacity?

Accident-induced brain injury resulting in incapacity: yes. Psychiatric illness: no.

Are domestic helpers covered?

Yes. You can extend group PA to domestic helpers as a complement to gratuity obligations.

How do I pay the premium?

Annual one-shot. Family plans up to AED 2,000 can split via Tabby (4 instalments).

Can PA cover be bought with UAE Pass?

Yes. 60 second issuance via UAE Pass for sums up to AED 1M.

What is personal accident insurance UAE?

A policy paying lump sum benefits for accidental death, disability or hospitalisation. Complements health and life insurance. From AED 99 per year.

How much PA cover should I buy?

5 to 10 times annual income for sole breadwinners, or AED 500,000 to AED 1M minimum for mortgage holders.

Does PA cover work-related accidents?

Yes. 24 hour cover includes work. Employers separately need Workmen Compensation for occupational injuries.

Can I have multiple PA policies?

Yes. Sum insureds stack across different insurers since benefits are not indemnity-based.

Does PA pay for COVID or illness?

No. PA excludes illness by definition. Use health insurance and life insurance for illness cover.

Are domestic helpers covered under employer PA?

Yes. You can extend group PA to domestic helpers.

Can PA cover be bought with UAE Pass?

Yes. 60 second issuance via UAE Pass for sums up to AED 1M.

UAE'S MOST TRUSTED ACCIDENT COVER

Personal Accident Insurance UAE 2026 from AED 99

Lump sum for accidental death, permanent total or partial disability, weekly income during disability and hospital cash during accident-caused hospitalisation. Individual, family and employer group plans. Instant UAE Pass issue up to AED 1M.

35+

Approved Partners

1.5 M+

Trusted Customers

1.5 M+

Policies Sold

Request a call back

One of our customers care agents will call you back ASAP

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

Personal Accident Insurance UAE 2026: From AED 99

Protect yourself and your family with 24/7 worldwide accident cover. Lump-sum payouts for disability and death, hospital cash, and education funds. Compare 37 insurer partners instantly.

37Market Partners

AED 99Annual Start

24/7Global Cover

Road traffic accidents remain a leading cause of disability claims in the UAE. Personal Accident (PA) insurance provides critical financial security by paying a lump sum regardless of fault, helping breadwinners settle mortgages and protect their dependants. eSanad compares 37 approved insurer partners — including Cigna, AIG, ADNIC, and Orient — for individuals, families, and employer groups. Licensed by CBUAE (Licence 273) and DHA (BRK-0017).

Personal Accident Pricing Snapshot

Sum Insured (AED)	Individual (AED/yr)	Couple (AED/yr)	Family 2+2 (AED/yr)
100,000	99	165	220
250,000	175	290	395
500,000	245	410	560
1,000,000	385	650	880
2,500,000	795	1,350	1,850
5,000,000	1,450	2,500	3,400

Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.

What Does Personal Accident Insurance Cover?

Accidental Death: 100% of sum insured paid to nominated beneficiaries.
Permanent Total Disability (PTD): 100% SI for loss of limbs, sight, or complete incapacity.
Permanent Partial Disability (PPD): Percentage SI per UAE scheduled table for specific injuries.
Temporary Total Disability (TTD): Weekly income benefit during recovery (up to 104 weeks).
Hospital Cash: Daily allowance (AED 200 - 1,000) during accident-related hospitalisation.
Medical Expenses: Reimbursement for treatment resulting from an accident.
Repatriation: Worldwide coverage for repatriation of remains.
Add-ons: Education funds for children and mortgage/credit protection.

Who Needs Personal Accident Cover?

While often overlooked, PA cover is essential for:

Sole Breadwinners: Replacing income during long-term disability.
Self-Employed: Bridging the gap when unable to work due to injury.
Frequent Travellers: 24/7 global protection that complements standard travel policies.
High-Risk Occupations: Construction supervisors, engineers, and field-based drivers.
Employers: Complying with duty of care and supplementing Workmen Compensation.

EEAT: Trust & Expert Broker Tips

Experience: Protecting families and businesses across the UAE since 2010 with tailored individual and group PA plans.

Expertise: In-depth knowledge of UAE disability schedules and occupation-based risk rating.

Expert Broker Tips

Tip 1: Benchmark Sum Insured to Income. Aim for 5-10 times your annual income. For mortgage holders, ensure the sum insured clears your outstanding debt.
Tip 2: Stack with Workmen Compensation. Workmen Compensation only covers on-duty injury. Personal Accident provides 24/7 cover, filling the gap for off-duty accidents.
Tip 3: Use UAE Pass for Instant Issue. eSanad offers 60-second issuance via UAE Pass for sums insured up to AED 1M, making it the fastest way to get covered.

Frequently Asked Questions

What is Personal Accident insurance?

It is a policy that pays lump-sum benefits for accidental death, disability, or hospitalisation. It complements health and life insurance for a low annual cost.

Does it cover accidents abroad?

Yes. Standard policies provide 24/7 worldwide coverage, including during travel and holidays.

How is it different from life insurance?

PA only covers accidents, whereas life insurance covers any death (including illness). PA is significantly cheaper for high sums insured.

Are road traffic accidents covered?

Yes. RTA accidents are the most common PA claim in the UAE and are covered irrespective of fault.

Can I buy it with UAE Pass?

Yes. eSanad offers 60-second policy issuance via UAE Pass for sums insured up to AED 1M.

UAE'S MOST TRUSTED ACCIDENT COVER

Personal Accident Insurance UAE 2026 from AED 99

35+

Approved Partners

1.5 M+

Trusted Customers

1.5 M+

Policies Sold

Request a call back

One of our customers care agents will call you back ASAP

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

CBUAE Licensed 273

DHA Registered BRK-0017

35+ Insurance Partners

24/7 Worldwide Cover

60-Second UAE Pass Issue

Sanad Club Rewards

Personal Accident Insurance UAE 2026: From AED 99

Protect yourself and your family with 24/7 worldwide accident cover. Lump-sum payouts for disability and death, hospital cash, and education funds. Compare 37 insurer partners instantly.

37Market Partners

AED 99Annual Start

24/7Global Cover

Personal Accident Pricing Snapshot

Sum Insured (AED)	Individual (AED/yr)	Couple (AED/yr)	Family 2+2 (AED/yr)
100,000	99	165	220
250,000	175	290	395
500,000	245	410	560
1,000,000	385	650	880
2,500,000	795	1,350	1,850
5,000,000	1,450	2,500	3,400

Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.

What Does Personal Accident Insurance Cover?

Accidental Death: 100% of sum insured paid to nominated beneficiaries.
Permanent Total Disability (PTD): 100% SI for loss of limbs, sight, or complete incapacity.
Permanent Partial Disability (PPD): Percentage SI per UAE scheduled table for specific injuries.
Temporary Total Disability (TTD): Weekly income benefit during recovery (up to 104 weeks).
Hospital Cash: Daily allowance (AED 200 - 1,000) during accident-related hospitalisation.
Medical Expenses: Reimbursement for treatment resulting from an accident.
Repatriation: Worldwide coverage for repatriation of remains.
Add-ons: Education funds for children and mortgage/credit protection.

Who Needs Personal Accident Cover?

While often overlooked, PA cover is essential for:

Sole Breadwinners: Replacing income during long-term disability.
Self-Employed: Bridging the gap when unable to work due to injury.
Frequent Travellers: 24/7 global protection that complements standard travel policies.
High-Risk Occupations: Construction supervisors, engineers, and field-based drivers.
Employers: Complying with duty of care and supplementing Workmen Compensation.

EEAT: Trust & Expert Broker Tips

Experience: Protecting families and businesses across the UAE since 2010 with tailored individual and group PA plans.

Expertise: In-depth knowledge of UAE disability schedules and occupation-based risk rating.

Expert Broker Tips

Tip 1: Benchmark Sum Insured to Income. Aim for 5-10 times your annual income. For mortgage holders, ensure the sum insured clears your outstanding debt.
Tip 2: Stack with Workmen Compensation. Workmen Compensation only covers on-duty injury. Personal Accident provides 24/7 cover, filling the gap for off-duty accidents.
Tip 3: Use UAE Pass for Instant Issue. eSanad offers 60-second issuance via UAE Pass for sums insured up to AED 1M, making it the fastest way to get covered.

Frequently Asked Questions

What is Personal Accident insurance?

It is a policy that pays lump-sum benefits for accidental death, disability, or hospitalisation. It complements health and life insurance for a low annual cost.

Does it cover accidents abroad?

Yes. Standard policies provide 24/7 worldwide coverage, including during travel and holidays.

How is it different from life insurance?

PA only covers accidents, whereas life insurance covers any death (including illness). PA is significantly cheaper for high sums insured.

Are road traffic accidents covered?

Yes. RTA accidents are the most common PA claim in the UAE and are covered irrespective of fault.

Can I buy it with UAE Pass?

Yes. eSanad offers 60-second policy issuance via UAE Pass for sums insured up to AED 1M.