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.
