Personal Accident Policy is issued to Individuals, Families, Commercial Establishments and other Organizations and Institutions etc., to insure personal lives against sustaining of any ‘Accidental Bodily Injury’ by violent, external and visible means. Cover for Accidental Death, Permanent Total and Permanent Partial Disabilities are provided as part of the standard basic cover. Cover for Temporary Total and Temporary Partial Disabilities and Medical Expenses (Medical Expenses up to SAR. 10,000/- is given as part of the basic cover under Individual Personal Accident Policies). Repatriation expenses, Personal Baggage and Money and Employer’s Liability are also provided for additional premium.
‘Accident’ is a sudden, unforeseen, unexpected and abnormal specific event happening or occurring in an identifiable place and time.
‘Accidental bodily injury’ is an identifiable physical injury caused by an ‘Accident’ and solely and independently of any other cause (except illness directly resulting from or medical surgical treatment rendered necessary by such injury) results in or causes the death or disablement of the assured within a period of 90 days from the date of such accident.