Personal accidents for workers, businessman, students, tourists, family insurance, hotel guests, Hajj followers, etc. 

Provide cover to someone or group of people against loss due to accident that can happen anywhere, anytime and applicable 24 hours, which causing :

• Death
• Permanent Disablement
• Medical Expenses. Maximum 10% of Benefit for Death and Permanent Disablement

An accident is an event or event that contains undesirable and or unintentionally violence element, which happened suddenly, unwanted or unplanned, from outside, visible, happened directly to the insured that caused bodily injury whose nature and place can be determined by Medical sciences, including:

• Poisoned due to inhalation of gas or toxic vapors, except The Insured used drugs or other substances intentionally, which the consequences have been known, including the use of narcotics,
• Injected by virus or germs as a result of The Insured accidentally fell into the water or any other liquids,
• Suffocated or drowned.

Determination of the premium rate of PERSONAL ACCIDENT INSURANCE :

• Group / Grade A: People who do work at office or often stay at office such as: Director, accountant, secretary, administrative employee, etc.
• Group / Grade B : People from Grade A who often travelling / working out of the office such as : Sales, housewife, project leader, manager or site officer who do not involved directly on site work, etc.
• Group / Grade C : People who need special tools or equipment in conducting their activities such as : dentist, surgeon, driver, mechanic, laboratory worker, site manager who directly involved in working process, etc.
• Group / Grade D : with their working site such as : mining worker, high voltage electricity worker, construction or maintenance worker on high rise building, offshore worker, sea crew, driver and crew of land public transport, etc.