Others insurance

Group Personal Accident


We all in our day to day life are exposed to the risks of accidents. Despite all possible precautions accidents do occur. This may result into disablement or loss of limbs or sometimes even death. To cater to this need insurers have devised an insurance cover, known as Personal Accident Insurance. This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement be it temporary or permanent. There are some additional benefits available without payment of additional premium like , Reimbursement of expenses for the carriage of the dead body.


What is covered under GPA Policy​ 



The policy is to provide compensation in the event of accidental injuries and death.  What are termed as capital sums are paid in the event of death or certain specified injuries, such as the loss of limbs or sight as may be defined in the policy. A typical benefits schedule will be as under:



1. Accidental Death 100% of the sum insured
2. Permanent Total Disability 100% of the sum insured
3. Loss of 2 limbs, 2 eyes or one limb and one eye (Permanent Partial Disability).​ 100% of the sum insured
4. Loss of one limb or one eye (Permanent Partial Disability)​​ 50% of the sum insured
5. Other permanent disabilities as per Scale given in the Policy​​​ As per Schedule given in the Policy
6. Temporary total disabilities due to accident not resulting into any of the​​​​ above 1% of the sum insured per week for 52 weeks. Maximum Benefit 100% of Sum Insured​. 
7. Medical Expenses (Diseases and sickness not covered)​​​​ The policy shall cover medical expenses upto Dhs.5,000/- per person/per year for treatment of accidental injuries in hospital and clinics.​
8. Repatriation Expenses (Death Only)​​​​ Actual expenses payable upto maximum Dhs. 7,500/- per person.​


The cover will be on World Wide/ 24 hours basis for all employees based in the AGCC region.


This policy provides compensation in the event of insured member sustaining injuries, solely and directly from an accident​​. 


What is not covered under Group Personal Accident Policy​​.


We at Oriental Insurance believe to gain trust from our customer we should be as transparent as possible. To ensure that you do not face any problem when you make a claim, we would like you to know some of the major exclusions under the policy .


a) Intentional self injury, 

b) Suicide or attempted suicide, 

c) Death or disablement resulting from child birth and pregnancy; 

​d) Accident while the insured is under the influence of intoxicating liquor or drugs;​ 

e) War and allied perils.​ 


How to purchase?


For detailed information,

Call toll free : 800(628873) - Ext 123

email: property@oicgulf.ae