Cover for your vehicle and the people you share the road with
Personal Accident Takaful pays set benefits if an accident causes death, permanent disability or a period when you cannot work. Benefits are paid to you or to your family, and you can use them as you need, alongside any Medical Takaful you hold. Individuals choose benefit levels to suit their income. Employers can cover their staff under Group Personal Accident Takaful, at work and, where the schedule provides, away from work.
Contributions go into a participants' risk fund as Tabarru', and the fund pays covered claims. Kalkaal manages it as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Set benefits paid to you or your family, to use as you need
- Benefit levels chosen to suit your income or your staff grades
- Group cover that helps employers look after staff injured in an accident
- Works alongside Medical Takaful and Workers' Compensation Takaful
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Individual Personal Accident Takaful
Cover for you, with benefit levels chosen to suit your income and occupation.
Group Personal Accident Takaful
Cover for employers to protect staff at work and, where the schedule provides, away from work, with benefits set by grade or salary.
What’s covered
- Accidental death
- Permanent total disability caused by an accident
- Permanent partial disability, such as loss of a limb or of sight, as set out in your schedule
- Temporary total disablement: a benefit while an accident stops you working, as your schedule sets out
- Medical expenses following an accident, where your schedule includes them
- Accidents at work and away from work for group members, where your schedule says so
Not covered and conditions
- Illness or disease not caused by an accident
- Self-inflicted injury
- Injury under the influence of alcohol, or of drugs not prescribed by a doctor
- Hazardous sports or occupations that were not declared and accepted
- War, riot, or taking part in a crime
- Pregnancy and childbirth
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Get medical treatment straight away and follow the doctor's advice.
- Report road accidents and assaults to the police.
- Keep all medical reports, X-rays and hospital papers.
- Under group cover, the employer should record the accident and tell Kalkaal.
- Notify Kalkaal within the period stated in your schedule. For a death claim, the family or beneficiary should contact Kalkaal.
Documents you will usually need
- Completed claim form
- Medical reports from the treating doctor or hospital
- Police report, for road accidents or assaults
- Death certificate and post-mortem report, for a death claim
- Identity documents of the covered person and of the person claiming
- Employer's accident report and salary records, for group claims
- Doctor's certificate showing how long you could not work, for temporary disablement
What you’ll need for a quote
- Name, date of birth and occupation of each person to be covered
- The benefit levels you want for death, disability and temporary disablement
- Your earnings, where benefits are linked to income
- For groups: a staff list with names, occupations, and salaries or benefit grades
- Whether group cover should apply at work only, or also away from work
- Details of any hazardous duties, sports or regular travel
- The name of your beneficiary, for individual cover
FAQs
How is Personal Accident Takaful different from Medical Takaful?
Medical Takaful helps meet the cost of treatment. Personal Accident Takaful pays set benefits if an accident causes death, permanent disability or time off work, whatever your medical costs are. The benefit is paid to you or your family to use as you need, so many people choose to hold both covers.
Does group cover protect staff outside working hours?
It can. Group Personal Accident Takaful can be arranged to cover staff at work only, or at work and away from work, and the schedule states which applies. Tell a Kalkaal advisor what your staff do and how often they travel for work, so the cover matches how your business operates.
Does my job affect my cover?
Yes. The risk of an accident varies with the work people do, so occupation affects the terms and the contribution. Some hazardous occupations, sports and activities are covered only if they are declared and accepted. Tell a Kalkaal advisor about your work and activities, and tell Kalkaal if they change during the period of cover.
You may also need
Medical cover for your family and your workforce
Protection for your home, your premises and what is inside
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