Tips on personal Accident

Getting personal accident insurance in Dubai can be hassle-free when you buy from an internationally reputed insurer. There are many national and international insurance providers in Dubai offering personal accident cover at various prices. International insurers also provide customised policies that suit individual need at affordable costs and have a wider range of cover.

Family and friends with personal accident policies are good source of feedback in terms of claims and general customer service. Online forums and blogs can also provide essential opinions on reliability, price and claims service.

Online buying of personal insurance policies is very popular in Dubai. For a population that is constantly on the move, buying insurance online is convenient, offers easy price comparisons and advanced encryption means hi-tech internet security against hackers and phishing.

Moreover, international insurers also offer attractive incentives and discounts for internet purchases and to holders of multiple policies. A good insurance website is easy to navigate, provides policy conditions and extent of cover at a glance and offers information on benefits and exclusions of the policy.

Use these tips while buying personal accident insurance:

- Choose a reputed insurer. An insurer with industry accolades is a good choice.

- A dedicated call centre with email and telephone support and 24 hour assistance is something to look for when making your purchase decision.

- Cheap does not necessarily mean secure. A low-priced insurance policy may
lead to a false sense of economy at the time of purchase and a cause for concern during a claim. Choose an insurer who offers a reasonable price for a solid cover, is known to be sympathetic to claims and has good customer service.

- Ask for personal limit options on your policy. Most insurers allow you to set these according to your individual needs.

 

- Ensure you’re honest and disclose all information as requested by the insurer. Be sure to disclose your medical history and all existing conditions. This will ensure that the insurer has no grounds to reject your claims when they arise.

Personal accident insurance in Dubai excludes events like war and terrorist attacks. Certain potentially hazardous activities and sports like hunting, racing, boxing may also be excluded.

However, it is always best to speak to a personal insurance advisor to understand what can be covered by your policy. Getting the right level of personal accident cover, understanding the level of protection and the insurers’ reputation will go a long way in ensuring you get thebest insurance policy in Dubai that money can buy.