Personal accident insurance

Continue with the same standard of living without dipping into your savings. GIG Smart Protector Insurance could help you cover regular bills like the mortgage or rent, car payments, school fees and utility bills – giving you peace of mind when you need it.

Incidents caused by or related to the following are included:

• Loss of life due to accident
• Permanent total disablement due to accident
• Accident medical reimbursement
• Repatriation of mortal remains reimbursement
• Accidental food poisoning 
• Death due to accidental drowning
• Disappearance
• Permanent partial disablement due to accident

Accidents caused by or related to the following are excluded:

• Suicide and suicide attempts, and intentional self-injury
• Any unlawful or criminal act or your wilful exposure to danger (other than in an attempt to save human life)
• Insanity, intoxication, alcohol or drugs not prescribed by a licensed medical practitioner
• Childbirth, pregnancy, mental and nervous disorders
• Physical defect in sight or hearing or any other infirmity rendering you more than usually liable to accidents

General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

You can apply for GIG personal accident insurance if you:

Visit the GIG website for an initial quote.

You can call GIG to discuss your needs on:

800 4560