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.

• You can select a personal accident cover option that suits your needs and budget, up to QAR 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.

• Accident or accidental shall mean a sudden, unforeseen, and unexpected, visible, physical and identifiable event happening by chance from the viewpoint of the insured person, the occurrence of which has not been contributed to or influenced by the insured person and which results in bodily injury to the insured person. Accident shall always exclude assault.

• Premium is a flat amount linked to the level of plan chosen by you which is inclusive of all additional charges.

• One year (365 days) from the date of policy issuance unless a different period of insurance was agreed with you specifically.

• Yes, your insurance policy is renewable. Seib Insurance will make best efforts to notify you before the renewal date. You can contact us at +974 4402 6888 during operating hours between 8am and 5pm, Sunday to Thursday (excluding public holidays), to arrange for renewal terms or visit our offices located at Airport Road, Doha Qatar.

• A deductible is the first amount of the loss that has to be borne by you.

• Yes, but it is difficult to list all type of accidents / exclusions here. However, the exclusions below are generally not covered:

  1. Intentional self-injury, suicide, or attempted suicide
  2. While under the influence of intoxicating alcohol or drugs
  3. Directly or indirectly caused by venereal disease or insanity
  4. Childbirth or pregnancy related
  5. War, invasion, act of foreign enemy, hostilities, civil war

  For other exclusions, please refer to your insurance policy terms and conditions.

• You can purchase our Personal Accident insurance through our website or our Mobile Application. Alternatively, you may visit our office located at Old Airport Road, Doha to purchase a policy.

• Premium is due with your application to arrange and activate the insurance policy. In respect of policy renewals, payment is required prior to the renewal/expiry date. The insurance premiums can be paid by debit card, credit card, bank transfer and cash up to QAR 1000 (one thousand Qatari Riyals) paid at Seib Insurance office only. Payment by cheque is accepted subject to realization of the cheque.

• Yes, your policy documents will be emailed to your registered e-mail address, or an original copy could be delivered or collected from our office premises. The confirmation of coverage will include policy information such as your unique policy number, policy effective date, benefits, terms and conditions, limitations, exclusions, and other important information.

• Our insurance offer is based on the information disclosed by you. In case of any changes in your earlier submitted information, contact us on +974 4402 6888 during working hours (between 8am and 5pm, Sunday to Thursday (excluding public holidays)) for review and approval to make necessary amendments to your policy.

• Our Personal Accident policies offer worldwide coverage. Your claim will be paid even if an accident occurs to you overseas (subject to policy terms & conditions).

• Yes, we can provide you with a duplicate copy of your policy for a nominal fee of QAR 10.

• Seib Insurance will make best efforts to notify you in advance of the renewal date. You can contact us at +974 4402 6888 during operating hours between 8am and 5pm, Sunday to Thursday (excluding public holidays), to arrange for renewal terms or visit our offices located at Airport Road, Doha Qatar.

• You can cancel the policy; however, the refund of premium will be on short period rates provided you have not made any claim under this policy. Please go through the terms of business agreement for complete details or contact us on +974 4402 68888.

• To make a claim, please download our claims form, complete it with full particulars and  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 accident.  For assistance, please contact us at +974 4402 6888 during operating hours between 8am and 5pm, Sunday to Thursday (excluding public holidays).

Should you have a complaint about deficiency in the services or the products offered, please contact our Compliance & AML Manager by phone on the following numbers: (+974) 4402 6807 or (+974) 4402 6888 or by mail to the following postal address: Seib Insurance and Reinsurance Company, P.O. Box 10973, Doha Qatar, or by email to complaints@seibinsurance.com, setting out clearly the exact details of your complaint.

We handle customer complaints fairly, efficiently and with due diligence as per the complaints procedure. If you remain dissatisfied with our response, you have the right to refer the complaint to the QFC Customer Dispute Resolution Scheme either by email to complaints@cdrs.org.qa or by post to “The Customer Dispute Resolution Scheme”, P.O. Box 22989, Doha Qatar.