Did you know ?
GIG reimburses medical, surgical, and hospital expenses resulting from an accident world wide, and while your health insurance may cover hospital bills, our personal accident policy provides an additional lump sum benefit for extra financial support.
Why choose GIG Gulf Personal Accident insurance
Repairs in 5 days
Repairs in 5 days
Repairs in 5 days
Covers Your Financial Costs
Coverage for Death by Drowning
Key Benefits of Personal Accident insurance plan
Accidental and Unexpected Death
Gives a lump sum financial benefit
in death Caused by violent, sudden, external and visible means.
Disablement covered
Covers Accidental total or partial disability
that prevents the insured from working in any occupation.
Repatriation Expenses
Transportation of bodily remains of the Insured Person(s) back to the Insured Person’s
home country following an accidental death.
Explore Your Plans
Starting from 33 BHD
A basic protection plan offering fundamental accident coverage with essential benefits, ideal for
individuals seeking affordable and reliable security.
| Benefits Per Person*(in BHD) | Essential |
|---|---|
| Loss of Life due to Accident** | 20,000 |
| Permanent Total Disablement due to an accident | 20,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 750 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 33
Family* : BHD 79
|
Starting from 50 BHD
Fundamental personal accident cover for accidental death, disability and medical expenses.
| Benefits Per Person*(in BHD) | Essential Plus |
|---|---|
| Loss of Life due to Accident** | 40,000 |
| Permanent Total Disablement due to an accident | 40,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 1,000 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 50
Family* : BHD 120
|
Starting from 100 BHD
Comprehensive financial protection with higher cover for accidental death,
disability and medical expenses that come with personal accidents.
| Benefits Per Person*(in BHD) | Preferred |
|---|---|
| Loss of Life due to Accident** | 75,000 |
| Permanent Total Disablement due to an accident | 75,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 1,500 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 100
Family* : BHD 240
|
Starting from 130 BHD
Comprehensive financial protection with higher cover for accidental death, disability and medical expenses that come with personal accidents.
| Benefits Per Person*(in BHD) | Preferred Plus |
|---|---|
| Loss of Life due to Accident** | 100,000 |
| Permanent Total Disablement due to an accident | 100,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 2,000 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 130
Family* : BHD 312
|
| Benefits Per Person*(in BHD) | Essential |
|---|---|
| Loss of Life due to Accident** | 20,000 |
| Permanent Total Disablement due to an accident | 20,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 750 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 33
Family* : BHD 79
|
| Benefits Per Person*(in BHD) | Essential Plus |
|---|---|
| Loss of Life due to Accident** | 40,000 |
| Permanent Total Disablement due to an accident | 40,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 1,000 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 50
Family* : BHD 120
|
| Benefits Per Person*(in BHD) | Preferred |
|---|---|
| Loss of Life due to Accident** | 75,000 |
| Permanent Total Disablement due to an accident | 75,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 1,500 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 100
Family* : BHD 240
|
| Benefits Per Person*(in BHD) | Preferred Plus |
|---|---|
| Loss of Life due to Accident** | 100,000 |
| Permanent Total Disablement due to an accident | 100,000 |
| Permanent Partial Disablement due to an accident | As per the policy scale of indemnity |
| Accident Medical Reimbursement | 2,000 |
| Repatriation of Mortal Remains expenses reimbursement | 1,000 |
| Annual Premium |
Individual : BHD 130
Family* : BHD 312
|
*Family coverage: (Individual + Spouse + Dependent Children) covered for 10% of the sum insured each, except for Accidental Medical
*Eligibility: Anyone aged 18-64 who's a GCC citizen or resident with a valid visa can apply.
Note: Preferred and Preferred Plus aren't available to hazardous occupations — drivers, technicians, mechanics, carpenters, plumbers, farmers and similar roles.
**Double Indemnity: the Loss of Life benefit is doubled if death occurs while travelling in a common carrier (e.g. a scheduled flight, train, bus or ferry).
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*Eligibility: Anyone aged 18-64 who's a GCC citizen or resident with a valid visa can apply.
Note: Preferred and Preferred Plus aren't available to hazardous occupations — drivers, technicians, mechanics, carpenters, plumbers, farmers and similar roles.
**Double Indemnity: the Loss of Life benefit is doubled if death occurs while travelling in a common carrier (e.g. a scheduled flight, train, bus or ferry).
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident - driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | 200,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| 24 hour accident and breakdown recovery | - | - | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
Personal Accident Insurance documents
Download terms and conditions with product details
