Personal Accident Insurance
Frequently Asked Questions
What is Personal Accident Insurance?
Personal Accident Insurance protects you or your family financially by providing a lump sum compensation to “Next of Kin” in the unfortunate event of a fatal accident or one that disables you permanently.
What are the limits?
You can select a personal accident cover option that suits your needs and budget, up to QR 600,000 benefits which is paid as a lump sum in the event that you suffer a defined serious injury or death as a result of an accident.
How is accident defined?
Accident means any sudden, unintended and fortuitous external and visible event, which might cause bodily injury or which leads to a physical disability or death.
How is the premium calculated? Are there additional charges included?
Personal accident Premium is a flat amount linked to the level of cover opted by you. However, the Insured will pay an additional policy fee of QR 35 in top of the Premium.
What is the period of the policy?
Your Policy is for 12 Months (365 days) unless a different period of insurance was agreed with you specifically.
Is there any specific type of accidents which are excluded from purview of cover?
The following type of accidents are generally not covered:
• From intentional self-injury, suicide or attempted suicide
• Whilst under the influence of intoxicating liquor or drugs
• Directly or indirectly caused by venereal disease or insanity
• Childbirth or pregnancy related
• War, invasion, act of foreign enemy, hostilities, civil war
The above list is not exhaustive. Please refer to the policy wordings for complete list of Exclusions.
What is the procedure for recording any changes in the policy?
Inform the changes in writing and Seib would issue an amendment to the Policy. You can also contact us at +974 4402 68888 during operating hours between 8.00 am and 5.00 pm, Sunday to Thursday (excluding Public Holidays) or visit our offices located at Airport Road, Doha Qatar, to arrange for required amendments.
I travel to different countries often for business and at times for leisure. What if I meet with any accident outside Qatar?
You can be rest assured, accident policies offer worldwide coverage. Your claim will be paid even if you meet with an accident overseas subject to policy terms & conditions.
I have lost the insurance policy. Can I get a duplicate one?
Yes – A Fee of QR 10 is required to be paid.
What should I do if the policy expired?
Seib will make best efforts to notify you in advance of the renewal date. You can contact us at +974 4402 68888 during operating hours between 8.00 am and 5.00 pm, Sunday to Thursday (excluding Public Holidays), to arrange for renewal terms or visit our offices located at Airport Road, Doha Qatar.
Can I cancel my PA insurance policy? Will I get a refund of premium if I cancel my policy?
Yes, you can cancel the policy. However, refund of premium will be on short period rates subject to no claims Please go through the Terms of Business Agreement for complete details.
What to do in case of an Accident?
To make a claim, please download our claim form, fill it in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For assistance, please contact us at +974 4402 68888 during operating hours between 8.00 am and 5.00 pm, Sunday to Thursday (excluding Public Holidays).
* Subject to policy terms and conditions