Personal Accident

Product Overview

Protect your family today and ensure their welfare for tomorrow. AXA Smart Personal Accident Program can help you stay in control of your financial well-being in the unfortunate event of any personal accidents.  AXA’s low cost high value solution will support you and your family in the event of accidental injury/disability or even a life altering experience like – God Forbid – the death of your spouse.

Affordable:
> Coverage starts as low as 0.5 SAR per day for coverage as high as SAR 50,000.

Global Benefits:
> 24/7 Worldwide Accident protection Coverage.

Flexible Benefits:
> Choose from coverage as low as SAR 50,000 up to SAR 400,000.
> Choose from Individual or Family Coverage. 
> Coverage can be offered until the age 70 years old.

Convenient:
> Quick and Easy Application.
> No Medical Examination Required.

Product Sumarry

If you are between the ages of 18 to 70 and GCC citizen or GCC resident then you are eligible to apply for the Axa Protector Plan. The Protector Plan provides the following coverage in case of an accident:

Accidental Death Coverage
An unexpected event caused by violent, sudden, external and visible means causing death within 24 Months from the date of the accident.

Permanent Total Disability Coverage
Permanent total and absolute disablement as a result of an accident which entirely prevents the Insured Person(s) from every again follow his/her occupation or any other occupation for which s/he is suited by reason of education, training or experience.

Permanent Partial Disablement Coverage   
Disablement as a result of an accident which prevent the Insured Person(s) from attending to a substantial part of his/her occupation, or any other occupation for which s/he is suited by reason of education, training or experience.

Accident Medical Reimbursement
Repayment of Medical, surgical or hospital fees necessarily incurred as a result of an accident.

Repatriation of Mortal Remains Expense Reimbursement
Transportation of bodily remains of the Insured Person back to the Insured Person’s home country following an accidental death.

AXA is committed to providing world-class benefits and coverage to its customers. Therefore, we have further extended our benefits to provide the following additional coverage*:

> Exposure to natural elements*
> Disappearance*
> Death due to Accidental Drowning*
> Suffocation by Smoke Poisonous Fumes Gas and Drowning*
> Motorcycling*
> Riot and Strikes*
> Hijack, Assault*
> Worldwide Territorial Limits*

*Please see Policy Terms and Conditions for complete details and exclusions.

Main Covers

After an accident, you may have expenses you've never thought about before. Can your finances handle them?

Knowing that you can count on AXA’s Smart Protector insurance policy will be reassuring to you and your family.  You and your family can continue with the same standard of living without dipping into your savings.  This means your regular bills, such as the mortgage or rent, car payments, school fees and utility bills don't stop when you are laid-up post an accident.

• Dependents are covered for Accidental death / Permanent Total Disability only.
• 4 Dependent(s) are covered for 10% of the sum insured each, except for Accident Medical Reimbursement where 100% of limit applies.
• Spouse is covered for 100% of sum insured.
• Additional child can be added at OMR 3 per dependent.

Key Benefits