Who this cover is for
We issue it for individuals and for teams in factories, on sites and in offices.
- People working in field roles or on construction sites
- Companies wanting round the clock cover for their staff
- Individuals supporting a family who want a benefit if disabled
- Athletes, volunteers and people in active outdoor roles
What the policy covers
The core covers we request in every quotation. Some are optional and carry an additional premium.
- Accidental deathA lump sum to the beneficiaries according to the agreed schedule.
- Permanent total disabilityA full benefit where the ability to work is permanently lost.
- Permanent partial disabilityA percentage of the sum insured according to the scale in the policy.
- Temporary disabilityA weekly or monthly benefit during the period off work.
- Accident medical expensesTreatment costs arising from the accident up to a stated limit.
- 24 hour coverInside and outside working hours, which is wider than cover during work only.
What it usually does not cover
These are common exclusions in this line of business. Actual exclusions differ between insurers, and we set them out in writing with every offer.
- Injury from a deliberate act or self harm
- Accidents occurring under the influence of alcohol or prohibited substances
- Participation in military action, civil disturbance or riot
- Illness and health conditions not arising from an external accident
- Hazardous sports and flying other than as a passenger on licensed commercial flights
- Injury while performing an occupation more hazardous than the one declared
Figures and clauses worth asking about
Before you sign, these are the clauses that decide what the policy is really worth.
Claim documents
We prepare them with you and review them before submission so the file is not delayed on a procedural point.
- A medical report setting out the nature and cause of the injury
- A police report where the accident was a traffic or criminal matter
- Death certificate and succession document in fatal cases
- The medical board decision on the disability percentage
- Notice to the insurer within the period stated in the policy
Questions we put to the insurer on your behalf
These questions are the difference between a cheap offer and a suitable one.
- Is cover on a 24 hour basis or during working hours only?
- Which partial disability scale does the policy apply?
- Does the policy include medical expenses arising from the accident?
- How long is the temporary disability benefit payable and what is its ceiling?
- How is the occupation classified, and does the class reflect the actual work?
- Does cover continue while travelling outside Jordan?
Common questions about Personal Accident Insurance
How is it different from medical insurance?
Medical insurance pays treatment invoices. Personal accident pays a cash sum for injury, disability or death regardless of invoices. They complement each other and neither replaces the other.
Does it replace workmen compensation?
No. Work injury cover is an obligation towards employees within the scope of work. Personal accident covers the employee inside and outside working hours if you choose full cover.
Is the premium expensive?
It is usually among the cheapest covers relative to the benefit, particularly for office occupations. The premium rises with occupational hazard.
Does it cover road accidents?
In most schemes yes, whether you are the driver, a passenger or a pedestrian, subject to the policy terms and exclusions.
