Did you know ?
GIG reimburses medical, surgical, and hospital expenses resulting from an accident worldwide, and while your health insurance may cover hospital bills, our personal accident policy provides an additional lump sum benefit for extra financial support .
Why choose GIG Personal Accident Insurance
24/7 Worldwide protection
Personal Accident Insurance
No Medical examination required
Covers your financial costs
Coverage for death by drowning
Key benefits of personal accident insurance plan
Accidental and unexpected death
Pays a lump sum benefit to your family
if death occurs
as a result of violent,
sudden, external and visible means.
Disablement covered
Covers accidental total or
partial disability that prevents
the insured from working in any occupation.
Repatriation expenses
Covers
the cost of returning the insured
person’s body to their home country following an accidental death.
Explore Your Plans
Starting from 20 OMR (excludes VAT & taxes)
Basic personal accident insurance to help protect you and your loved ones from unexpected financial challenges.
Starting from 35 OMR (excludes VAT & taxes)
Fundamental personal accident cover for accidental death, disability and medical expenses.
Starting from 45 OMR (excludes VAT & taxes)
Comprehensive financial protection with higher cover for accidental death, disability and medical expenses that come with personal accidents.
Starting from 52 OMR (excludes VAT & taxes)
Our highest level of accident protection, with the greatest sum insured for added financial security when it matters most.
| Benefits Per Person*(in OMR) | Essential |
|---|---|
| Loss of life due to an accident | 10,000 |
| Permanent total disablement due to an accident | 10,000 |
| Permanent partial disablement due to an accident | As per the policy scale of indemnity |
| Accident medical reimbursement | 5,00 |
| Expenses reimbursement for the repatriation of bodily remains | 900 |
| Annual Premium |
Individual : 20 OMR
Family * : 43 OMR
|
| Benefits Per Person*(in OMR) | Essential Plus |
|---|---|
| Loss of life due to an accident | 20,000 |
| Permanent total disablement due to an accident | 20,000 |
| Permanent partial disablement due to an accident | As per the policy scale of indemnity |
| Accident medical reimbursement | 900 |
| Expenses reimbursement for the repatriation of bodily remains | 900 |
| Annual Premium |
Individual : 35 OMR
Family * : 81 OMR
|
| Benefits Per Person*(in OMR) | Preferred |
|---|---|
| Loss of life due to an accident | 30,000 |
| Permanent total disablement due to an accident | 30,000 |
| Permanent partial disablement due to an accident | As per the policy scale of indemnity |
| Accident medical reimbursement | 1,200 |
| Expenses reimbursement for the repatriation of bodily remains | 900 |
| Annual Premium |
Individual : 45 OMR
Family * : 109 OMR
|
| Benefits Per Person*(in OMR) | Preferred Plus |
|---|---|
| Loss of life due to an accident | 40,000 |
| Permanent total disablement due to an accident | 40,000 |
| Permanent partial disablement due to an accident | As per the policy scale of indemnity |
| Accident medical reimbursement | 1,650 |
| Expenses reimbursement for the repatriation of bodily remains | 900 |
| Annual Premium |
Individual : 52 OMR
Family * : 125 OMR
|
*Family coverage: (Individual + Spouse + Dependent Children) covered for 10% of the sum insured each, except for Accidental Medical
*Eligibility: Anyone aged 18-64 who's a GCC citizen or resident with a valid visa can apply.
Note: Preferred and Preferred Plus aren't available to hazardous occupations — drivers, technicians, mechanics, carpenters, plumbers, farmers and similar roles.
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident - driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | 200,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| 24 hour accident and breakdown recovery | - | - | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
Personal accident insurance documents
Download terms and conditions with product details
