Personal insurance · Personal accident

Personal accident

Compensation for injury, disability or death caused by an accident, at work or elsewhere.

What it covers

Who is it for? For individuals, and for occupations that need extra protection.

  • Accidental death
  • Total or partial disability
  • Medical costs of the injury
  • Round-the-clock cover
Final cover, limits and exclusions are set by your approved policy.

What the policy usually excludes

  • Suicide and self-inflicted injury
  • Hazardous sports unless added
  • Illness and conditions not caused by an accident

What you need to apply

  • National ID and date of birth
  • Occupation and nature of work
  • The beneficiary or beneficiaries

When something happens

  1. Medical reports and the accident report
  2. Death certificate or the medical board’s disability report
  3. The beneficiary’s documents

Get a quote for this product

Choose a product, leave your details, and an advisor comes back with your offer.

An Iraqi number such as 07701234567

How to buy

Instant issue applies within the limits underwriting approved; anything above goes to an underwriter and the decision comes back to you in your account.

  1. Choose the product and see the price

    Products sold online show their price at once from the approved tariff; for the others an advisor prepares the offer and contacts you.

  2. Answer the assessment questions

    Short questions about the risk. Anything within the instant limits is accepted on the spot; anything above is reviewed quickly by underwriting.

  3. Accept the contract and pay

    You read the contract in your language, accept it, then pay by card through a licensed payment gateway.

  4. Your policy in your account and inbox

    A digitally signed policy downloads at once and arrives by email, and anyone can verify it by QR code.

Common questions

Are accidents at and outside work covered?

Yes, the personal policy covers 24 hours a day unless working hours only is agreed.

Can a group of employees be insured?

Yes, with a group policy that sets benefit classes by grade.

Personal accidentGet a quote