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Personal Accident Insurance

Make sure your loved ones are taken care of

You want to make the most of your life, doing the things you love. While you can't always prevent accidents, you can make sure your loved ones will be taken care of with AXA Smart Protector Insurance.

This insurance policy will be reassuring to you and your family and may allow you to continue with the same standard of living without dipping into your savings. This means payment of your regular bills such as mortgage or rent, car payments, school fees and utility bills, which don't stop when you are laid-up post an accident or a serious disablement. 

Benefits

  • Loss of life due to accident

  • Permanent total disablement due to accident

  • Accident medical reimbursement

  • Repatriation of mortal remains reimbursement

  • Accidental Food Poisoning Coverage

  • Death due to Accidental Drowning

  • Disappearance

  • Permanent partial disablement due to accident

Are you eligible?

You can apply for personal accident insurance if you are:

  • aged between 18-64  
  • a UAE resident
  • a GCC citizen
  • a GCC resident having a valid business, employment or resident visa in UAE

Things you should know

Your Personal Accident policy shall be automatically renewed by AXA each year on the policy anniversary date subject to all premiums being paid by you, unless cancelled by you / AXA. Please note that if AXA decides to change the policy terms or premium, you will be informed 60 days before the date of your next renewal.

Exclusions

Please note that the exclusions given below are just examples of some of the key exclusions that apply. Please refer to the AXA policy wording for exact terms, conditions and exclusions.

Accidents caused by or related to the following are excluded:

• suicide and suicide attempts, and intentional self-injury

• any unlawful or criminal act or your willful exposure to danger (other than in an attempt to save human life)

• insanity, intoxication, alcohol or drugs not prescribed by a licensed medical practitioner

• childbirth, pregnancy, mental and nervous disorders

• physical defect in sight or hearing or any other infirmity rendering you more than usually liable to accidents

Your Personal Accident policy shall be automatically renewed by AXA each year on the policy anniversary date subject to all premiums being paid by you, unless cancelled by you / AXA. Please note that if AXA decides to change the policy terms or premium, you will be informed 60 days before the date of your next renewal.

Find out more

Get started by requesting a quote online. 

Alternatively please call 800 4560.

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by AXA Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of AXA's general insurance products and is not responsible for claims, processing or otherwise.

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