Team Safety Always Comes First
Group Personal Accident Insurance in UAE Made Simple
Coverage for Accidents, Disability, and Medical costs so your people feel secure and confident.
Protecting Your Team, Supporting Their Recovery
At Earnest Insurance Brokers, we understand that your employees are your greatest asset. Our Group Personal Accident Insurance offers financial protection for your team members in the unfortunate event of injury, disability, or death caused solely by an accident. Designed for businesses and organizations in Dubai and across the UAE, this policy ensures peace of mind and security, so your employees can focus on doing what they do best.
What is Group Personal Accident Insurance?
Group Personal Accident (GPA) Insurance is a comprehensive policy that covers accidental injuries sustained by employees—whether on or off duty. Unlike health insurance, GPA responds specifically to accidental bodily injuries and provides fixed benefits regardless of medical expenses incurred or salary level.
What Does GPA Insurance Cover?
Your Group Personal Accident policy can include:
- Accidental Death: Lump sum compensation to the employee’s family in case of fatal accidents.
- Permanent Total Disability: Coverage if the accident results in total and irreversible loss of function.
- Permanent Partial Disability: Lump sum based on the percentage of disability (e.g., loss of limbs, vision, or hearing).
- Temporary Total Disability: Weekly compensation for lost wages during recovery.
- Medical Expenses: Reimbursement of costs for hospitalization, surgery, medication, or ambulance use due to the accident.
- Funeral Expenses (optional): Compensation for burial or cremation costs.
These benefits can be customized based on job risk levels, number of employees, and budget—ideal for companies ranging from SMEs to large corporations.
What’s Not Covered?
While GPA insurance is robust, it does not cover:
Injuries sustained outside the covered age limits
Accidents due to self-harm, suicide attempts, or reckless behavior
Injuries during participation in hazardous or extreme sports
Drug use, unless prescribed and not related to addiction
Injuries resulting from war, civil unrest, or military action
Accidents due to pre-existing physical or mental conditions
Injuries or complications from pregnancy, childbirth, or illness not caused by an accident
Data-related losses or electronic malfunctions (relevant for certain corporate add-ons)
For a full list of excluded activities—like scuba diving, motor racing, mountaineering, or professional sports—our advisors can guide you through risk classifications and coverage options.
Hear from Our Happy Clients
Talk to your Trusted Insurance Advisor
- LOCATION : Offices 112 & 113, Al Shafar Investments Building, 3rd Interchange - Sheikh Zayed Road, Dubai, UAE
- TELEPHONE : 800 327 6378
- EMAIL : earnest@earnestins.com