What 20000+ Happy customers love about InsuranceHub.ae so much

Save Upto 40% on your Car, Health, Life and Travel with InsuranceHub.ae

As a business owner, your employees—whether warehouse staff, field engineers, or top executives—are your most valuable asset. Yet accidents do not discriminate, and an unexpected event can impact anyone. A Group Personal Accident Insurance Scheme provides a flexible, cost-effective way to safeguard your team, paying a tax-free lump sum in case of accidental death or disability. This ensures employees’ families remain financially secure while your business upholds its duty of care and goodwill.

At Insurancehub.ae, we make it simple to protect your workforce. With access to top insurance providers, our experts offer tailored options that match your budget and needs, so finding the right plan is guaranteed.


What Is Group Personal Accident Insurance?

A Group Personal Accident Insurance scheme is designed to help employers protect their employees against accidental disability or death. Unlike standard workplace coverage, this plan extends to accidents that occur beyond office premises and is valid 24/7 worldwide. Employers can add or remove employees during the policy term based on their employment status. It offers comprehensive protection at an affordable cost, making it one of the most effective ways to safeguard your workforce.

What Does This Plan Cover?


This thoughtfully made plan covers all essential aspects. The major group personal accident insurance coverage is listed below:


  • Accidental and Unexpected Death:
  • It offers coverage in the unfortunate event of death caused by sudden, visible, and unexpected means.

  • Permanent Total Disablement
  • It provides coverage for permanent total disablement caused by an accident, which means the insured employee cannot work again.

  • Permanent Partial Disablement:
  • It also covers permanent partial disablement caused by an accident for which the employee cannot undertake their responsibilities in their current or any other occupation.

  • Repatriation Expenses:
  • This includes the transportation of the bodily remains of the insured employee to their home country in the event of an accidental death.

Your health insurance plan usually covers hospital expenses. This policy offers an added lump sum amount that you can use for repayment or as a means of support in case of any medical or surgical fee requirement.


Key Features of a Group Personal Accident Insurance Scheme


Cover Component Typical Benefit Options
Accidental Death 1–3 × annual salary or a fixed sum (AED 100,000–1 million)
Permanent Total Disability 100 % of the sum insured
Partial Permanent Disability Percentage of sum insured based on loss (e.g., limb, eyesight)
Temporary Total Disability Weekly indemnity up to 104 weeks
Medical Expenses Reimbursement up to AED 25,000–50,000

Why Employers in the UAE Choose Group Schemes


  • Regulatory alignment: Federal Law 8 mandates compensation for work-related injury; group accident cover ensures compliance.

  • Employee morale: Workers know their loved ones are protected, enhancing retention and loyalty.

  • Customisable benefits: Add child education allowance, repatriation costs, or funeral expenses to match CSR policies.

  • Low premiums: Group buying power cuts per-member costs to a fraction of standalone personal accident policies.


How InsuranceHub.ae Optimises Your Cover


Our advisors benchmark more than a dozen leading insurers on claim settlement ratios and policy wordings. We examine high-risk job categories—construction, logistics, oil & gas—and propose tiered sums insured to control costs. Mid-level staff might receive 1× salary, while executives get 3×, all under one master contract.

Learn more about Group Personal Accident Insurance Scheme options and get instant premium comparisons.


Claims Simplicity


  1. Notify InsuranceHub’s 24/7 claims desk within 30 days of the incident.

  2. Submit police or incident report plus medical documents.

  3. Insurer appoints a loss adjuster; benefit is usually paid within 14–21 days of final approval.

Why Choose Insurancehub.ae?

Choosing the best group personal accident insurance plan can seem confusing and expensive. At Insurancehub.ae, we will help you find the best plan that suits your budget and serves your employees with the protection they need. With us, buying a policy is quick, easy, and hassle-free.


Show your employees that you care. Get in touch with us today!

Almost 78.3% of Our current Customers actually choose Insurancehub because of the following reason:

Easy and Affordable way to Buy any Insurance Online

Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.

Free Expert Guidance

We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )

Save More Time, Money, and Effort

Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort.

Saving is the Ultimate Mantra…

100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

Still not able to decide whether Insurancehub would be a good fit for you or not.