Life & personal accident insurance
With term life insurance, the insurer pays a lump sum to your beneficiaries if you die during the policy term; with personal accident insurance, it pays benefits for accidental death or permanent disability. It suits anyone in Qatar who supports a family or has commitments such as loans. We get conventional and takaful offers from QCB-licensed insurers, help you choose the sum insured and period, and follow the claim with the insurer for you or your family.
In QatarLicensed insurers in Qatar offer both conventional and takaful (Sharia-compliant) plans, and we can request offers of either type.
- Conventional or takaful plans from licensed insurers
- Sum insured and period chosen to suit you
- 24-hour worldwide accident cover (policy dependent)
- We support your family through the insurer's claim process
Cover at a glance
- Death during the policy term (term life)
- Accidental death (personal accident)
- Permanent total or partial disability from an accident
- Temporary disability after an accident (policy dependent)
- Medical costs after an accident (policy dependent)
- Critical illness benefit added to life cover (policy dependent)
Cover
What is covered
- Death during the policy term (term life)
- Accidental death (personal accident)
- Permanent total or partial disability from an accident
- Temporary disability after an accident (policy dependent)
- Medical costs after an accident (policy dependent)
- Critical illness benefit added to life cover (policy dependent)
What is not covered
- Suicide or deliberate self-injury (as set in the policy)
- War, terrorism and taking part in riots
- Hazardous sports or activities that were not declared
- Accidents under the influence of alcohol or drugs
- Health conditions not disclosed on the application
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Death claim
- QID or passport copies of the insured person and the beneficiary
- Death certificate
- Medical report, or an MOI police report if the death followed an accident
- Policy number or a copy of the policy
- Proof of the beneficiaries' entitlement, as the insurer requests
- Bank details (IBAN) for the settlement
Accidental injury or disability
- Copy of Qatar ID (QID) or passport
- Policy number or a copy of the policy
- Medical reports showing the injury and any disability
- Accident or police report, if any
- Treatment invoices, if medical costs are covered
- Bank details (IBAN) for the settlement
Need to make a claim?
Frequently asked questions
What is the difference between life and personal accident insurance?
Life insurance pays on death during the term from almost any cause, subject to the policy exclusions. Personal accident insurance pays only when death or disability results from an accident, and it is usually renewed every year. You can hold both for wider protection.
What is takaful life cover?
Family takaful is a Sharia-compliant alternative where members contribute to a shared fund that pays the benefits. Licensed takaful insurers in Qatar offer it, and we request takaful offers alongside conventional ones.
How much cover do I need?
A common starting point is to cover debts such as loans, plus several years of your family's living costs. We talk through your situation, suggest a cover amount and term, and then request offers for them.
Will the insurer ask about my health?
For life cover, the insurer usually asks health questions on its own application form and may ask for a medical check for larger amounts. Our quote request does not ask for any health details; those go only on the insurer's form.