As part of MEDGULF vision, we always seek to identify & craft the best solutions to provide our clients the services that suit the nature of their professional work.  
Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. 

PPD (Permanent Partial Disability) cover due to sickness:

The company will pay to the employee a percentage of the sum insured as fixed in the continental scale.

PTD (Permanent Total Disability) cover due to sickness:

The company will pay to the insured the sum insured if he becomes totally and permanently disabled as a result of bodily disease, so as to be wholly prevented for a period of 12 consecutive months from performing his occupation or any similar occupation for remuneration or profit.

Repatriation cover:

The company will pay a reasonable cost of repatriation of mortal remains to the members’ country up to a fixed amount.

Passive war risk:

The insured will be covered if he was not participating actively in any of war events.

ADB (Accidental Death Benefit):

The company will pay to the beneficiaries double sum insured (life sum insured + P.A. Sum insured).

PPD (Permanent Partial Disability) due to accident:

The company will pay to the insured a percentage of the sum insured as fixed in the continental scale.

PTD (Permanent Total Disability) due to accident

The company will pay to the insured the sum insured if he becomes totally and permanently disabled as a result of bodily injury, so as to be wholly prevented for a period of 12 consecutive months from performing his occupation or any similar occupation for remuneration or profit.

TTD (Total Temporary Disability) due to accident:

The company will pay to the insured 100% or 75% of the basic weekly salary up to a maximum of 52 weeks or 104 weeks.

M.E: medical expenses due to accident:

The company will pay to the insured 10% of the sum insured up to a maximum of SR 20,000.

Sum insured:

The balance of the loan on the date of commencement of the insurance and decreases monthly according to the value of the premium incurred by the insured borrower.

Coverage:

• The death cover due to an accident or sickness, the company will pay in this case the balance of the loan on the date of death
• The total permanent disability resulting from an accident or sickness, the
• The company will pay the balance of the loan if the insured borrower suffers an accident or sickness that prevents him from practicing any occupation for twelve consecutive months from the date of disability
• Passive war risk coverage: the insured borrower will be covered by the risks of war unless he is participating in the war directly or indirectly.