5 Best Accident Insurance Companies in Dubai
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The 5 Best Accident Insurance Companies in Dubai

Life can be random — oftentimes you can be at the top of the world, and then you can fall down quite literally. 

At times like these, it’s important to have a contingency plan, such as having accident insurance coverage. 

To find out which ones are worth the money, we went and asked around to give you Dubai’s best accident insurance providers.

How much does it cost to get accident insurance in Dubai?

The cost of getting accident insurance largely depends on the plan and coverage that you are availing of. Insurance companies also take note of your monthly income, lifestyle, and expenses before giving you a quote for your monthly fees.

To help you get started, accident insurance can start from around AED 20 and can go all the way up to AED200 per month.

How We Picked Dubai’s Best Accident Insurance Companies

Before we get right into our list of Dubai’s best accident insurance companies, here are the factors we considered for our entries on this list:

Coverage –  First and foremost, we wanted to consider the number of users it has because this determines the reach that job hunters will have in building a network, as well as the variety of jobs it can offer.
Benefits – We also considered the additional pros that make their accident insurance plans accessible, easy to apply, and worth the monthly premium.
Flexibility – It was also important for us to consider the structure of their accident insurance plans, and how these companies can adjust their structures to the lifestyle of their clients
Customer Service – Lastly, we also included how these companies approach their clients. Insurance policies can often be overwhelming and confusing, thus the need for agents that can clearly explain how it works is vital.

1. AXA Insurance

AXA Insurance
SERVICESAccident insurance, car insurance, travel insurance, home insurance, health insurance, yacht insurance, life insurance
ADDRESSSecond Floor, Building 7, Phase 2، Dubai Outsource Zone - Dubai - United Arab Emirates

[email protected]

HOURSSunday to Thursday: 8 am - 5 pm
Coverage★★★★☆ (4/5)
Benefits★★★★☆ (4/5)
Flexibility★★★★★ (5/5)
Customer Service★★★★☆ (4/5)

Having been in the insurance industry for over 65 years now, AXA has become one of the most popular multinational insurance providers across the globe. 

One thing worth noting about this provider is the variety of online integrated plans they offer for individuals and businesses.

In contrast, its accidental insurance plans are pretty simple, which is not really a bad thing in our opinion. 

It offers 4 types of accident insurance plans which become much more comprehensive as all of them have the same set coverage, but scale upwards with their compensation benefits.

And speaking of coverage, we just wish it would offer something beyond the usual just to differentiate its insurance offers a little bit more. 

Nonetheless, it still covers all its bases with coverage for accidental deaths, partial and total dismemberment, and repatriation expenses if the accidental death happens overseas.

It also has a great range of benefits for its clients such as individual and family packages, covering of financial costs, wavering of necessary medical examinations, and a service hotline.

But speaking of its customer service hotline, while AXA Insurance claims to provide hassle-free reimbursement and 24-hour customer service, it still gets its fair share of complaints from some clients regarding their inability to respond to calls promptly. 


  • Offers a wide variety of insurance policies both for individuals and businesses
  • Insurance plans have great coverage that scales through compensation
  • Vast years in the industry 


  • Lacks features that could help build networks
  • The reimbursement process is really slow
  • 24-hour customer service is slow to respond

Client Reviews

Very good and professional Team

“I needed a Roadside Assistance on 27.10.2020. The driver Faizal Ahmad arrived very fast. He did his job efficiently and quickly. I am very grateful to him. Totally satisfied with his work. Top class! And AXA operator, who received my call, was very helpful and operative and she called me back to be sure that everything was done successfully. Thanks a lot!  Very good and professional Team!” – Jannet Idrisova, Google Reviews

Very satisfied 

“Very satisfied with their car insurance. Excellent customer service. They deal with Europcar for car hire and PAL garages which are among the best.” – Abdul Manna, Google Reviews

2. MetLife Gulf

MetLife Gulf
SERVICESAccident insurance, health insurance, pet insurance, life insurance
ADDRESS1st Floor, Building#7W, A Wing - Al Quds Road - Dubai - United Arab Emirates
CONTACT DETAILS+971 4 415 4555

[email protected]

[email protected]

HOURSCustomer service availability: Monday - Sunday 8 am - 7 pm
Coverage★★★★☆ (4/5)
Benefits★★★★★ (5/5)
Flexibility★★☆☆☆ (2/5)
Customer Service★★★★☆ (4/5)

MetLife is one of the popular insurance providers not just in Dubai but also in other cities across the globe. With more than six decades in the field, it has expanded its network and now operates in over 115 countries. 

Its accident insurance covers the basics but also lacks just that one bit of special coverage that would make its product immediately more advantageous than the others.

Despite that, we can’t deny that it suffices with the insurance offering reimbursements in the occurrence of events such as accidental loss of life, and total and partial disability due to accidents.

It also offers weekly income packages in case of disability due to an accident, for up to 104 weeks.

However, it is quite inflexible because its accident insurance plans only work as an add-on to other MetLife insurance plans.

It makes up for a robust system of financial benefits that supports its clients, though. On top of the weekly income packages, we can also enjoy complete financial protection that supports income replacement

Among other things, we also appreciate their customer care service. You see, if you become its client, you can register and become a member of myMetlife. 

You can conveniently manage your policies and access a range of health and wellness-related content on this platform. 

The only problem we noticed is that it does not have official business hours. Although its customer service staff are available daily, it might not still be ideal for people who prefer to do one-on-one business onsite. 


  • Good coverage for accidents
  • Amazing benefits that aid in expense mitigation
  • Excellent customer service


  • Inflexible accident insurance plans
  • The accident insurance department has no official business hours

Client Reviews

Amazing customer service skills

“Today I was incredibly lucky to be served by Mr. Kevin. My family and I have been trying to resolve certain issues associated with our policies for the past 2 weeks and today thanks to Mr. Kevin’s help we have better clarity on where we stand at present. He was very kind to sit and explain to me the entire process and that immensely helped me in understanding how the system works as a whole. Thank you so much Mr. Kevin for your amazing customer service skills and keep up your great job!” –Rakhee K.R., Google Reviews

The customer service was beyond par excellence

“The customer service was beyond par excellence that they made the process look very simple. I would appreciate Mary for her diligence and support that was extended during my visit on 20 Oct.” – Parvez Zain, Google Reviews

3. Takaful Emarat

Takaful Emarat
SERVICESAccident insurance, health insurance, business insurance, life insurance
ADDRESSAl Moosa Tower 2 - 8th Floor - Sheikh Zayed Rd - Dubai - United Arab Emirates

[email protected]

[email protected]

HOURSMonday to Friday: 9 am - 5 pm
Coverage★★★☆☆ (3/5)
Benefits★★★★★ (5/5)
Flexibility★★★★☆ (4/5)
Customer Service★★★★★ (5/5)

Established back in 2008, Takaful Emarat is one of the leading Shariah-compliant Life and Health Takaful Providers in the UAE that offers a wide range of individual and corporate life and health Takaful products 

One of these is its robust accident insurance, which aims to offer us and its clients a simple and hassle-free product that will make things easier for you and your family during an unforeseen tragic event.

Unfortunately, this simplicity is also found in its coverage as it only benefits the clients and their dependents in the case of an accidental death and provides worldwide coverage.

This means that it does not consider partial and total disability due to accidents and hospital fees. We are disappointed that its coverage is severely limited.

But its benefits relatively make up for the lack of coverage, because they do take the hassle-free experience quite seriously. 

At Takaful Emarat, it does not require a medical check-up. The company only needs your basic information to buy this policy, and it has a pretty quick and easy claims process which is great for urgent situations.

It is also great in terms of flexibility because its plans are made to fit salaried, self-employed, and non-salaried individuals. However, due to Shariah laws, Takaful Emarat’s insurance products are all available for UAE residents only.


  • Quick and hassle-free service
  • Great range of benefits that make it easy to apply
  • Plans are flexible according to your kind of work


  • Shariah laws restrict non-UAE residents from applying
  • Severely limited coverage

Client Reviews

I would like to express my gratitude to the Takaful Emarat Team

“I would like to express my gratitude to the Takaful Emarat Team, especially the customer service & approval team for taking into consideration our case. We had an inconvenient experience in the Hospital regarding the processing of our claim but our Insurance Takaful Emarat made sure that they would resolve it as quickly as possible and we are happy and satisfied with the resolution. They assured us it would be taken care of and escalated which they proved by resolving the case for us. I want to thank Edgar Duatin for helping us with follow-ups and communication.

Thank you, Team and God bless” –Rona Mae Figura, Google Reviews

Excellent job

“Excellent job. One of the staff, Mr. Jason answered all inquiries patiently and was very helpful throughout the process. Many thanks.” – Luan Maharjan, Google Reviews

4. Watania Takaful

Watania Takaful
SERVICESAccident insurance, car insurance, health insurance, travel insurance, life insurance
ADDRESSBuilding, The Galleries 2 - 48883 - 2, Level - 13 Downtown Street - Mina Jebel Ali - Dubai - United Arab Emirates
CONTACT DETAILS+971 800 9282642

HOURSEvery day: 8 am - 7 pm
Coverage★★★★☆ (4/5)
Benefits★★☆☆☆ (2/5)
Flexibility★★☆☆☆ (2/5)
Customer Service★★★★★ (5/5)

Previously known as Noor Takaful, Watanai Takaful is not only a prominent firm in the insurance industry but also one of the pioneers of the Takaful industry in the Middle East. 

Unlike normal insurance wherein the risks that the client may face are covered by the insurance provider, Takaful is based on the risk that is shared amongst each participant if one of you suffers from a loss.

If this happens, each participant in the said program will donate to the fund, and you’ll fully receive this amount.  

But this does not mean that it is limited in its coverage. In fact, it has the exact same set of coverage as conventional insurance, which includes permanent and partial dismemberment and accidental death.

However, it also covers hospital care and transport expenses just in case the accident happens outside of the country.

While we appreciate the 7-day availability of its office, it is not enough for it to compensate for the absence of other features.

On top of that, it does not have any flexibility with its accident insurance products. Every member pays the same flat amount regardless of their lifestyle.

However, we have to give it props for its excellently streamlined customer service that allows us to apply for it through its website in just three steps. The team is also amazing in explaining how its systems work.


  • Great accident insurance coverage
  • Excellently streamlined customer service makes it easy to apply


  • Severely lacks additional benefits
  • Only has one plan for accident insurance

Client Reviews

Thanks to Watania Insurance for the great experience

“Thanks to Mrs Karen for smooth and fast deals. Ask everything to Mrs.Karen and she is a straightforward person. She will tell you everything, no lies and fake promises. She will tell me every step along the way. Thanks to Watania Insurance for the great experience. I am recommending the Watania insurance company for everyone if you want a good insurance company.

Thanks a lot Mrs.Karen & Watania Takaful” –Basel Abu Dagga, Google Reviews

Appreciate your loyalty to the company and customers

“Very pleased with the support from Mr. Charles. He was very patient and paid special attention to my case. Very proactively my work was finished on time. Appreciate your loyalty to the company and customers. Keep up the good work. Thank you.” – 

Clarence Fernande, Google Reviews

5. Zurich Insurance

Zurich Insurance
SERVICESAccident insurance, health insurance, life insurance
ADDRESSZurich International Ltd, Emaar Square, Building 6, Level 6 - Dubai - United Arab Emirates
CONTACT DETAILS+971 4 363 4567

HOURSSunday to Thursday: 8 am - 5 pm
Coverage★★★★☆ (4/5)
Benefits★★★★★ (5/5)
Flexibility★★★★☆ (4/5)
Customer Service★★★★★ (5/5)

Zurich is popular for a reason. It has a large client base not just in Dubai but also across UAE and other countries because it doubles down on its ability to provide the right kind of insurance for the budget you have.

It offers plans that cover your dependents in the case of death, accidental death benefits, and airplane cover if you die as a fare-paying passenger on a registered commercial airline.

However, the weak side of its coverage system is that it is only flexible if you can afford its most expensive plan. On top of that, it does not cover total and partial disability due to accidents, which is more often than dying.

But its life coverage is flexible enough in the sense that starting on the 91st day of the policy, Zurich considers claims resulting from death by any cause not explicitly excluded from the policy.

When it comes to benefits, we love that there are absolutely no medical tests required as part of the policy, there are no hidden fees charged to our premium, and its system allows us to purchase directly from Zurich in 10 minutes.

On top of that, its customer service streamlines the application process even more, with its insurance experts guiding us throughout the whole thing, and educating us on how we can make the most out of this insurance plan.


  • Flexible coverage for accident insurance plans
  • Wide range of benefits for clients
  • Excellent customer service


  • Coverage is only flexible if you get the most expensive plan

Client Reviews

Passion, knowledge, and a genuine interest in achieving the best for clients

“Passion, knowledge, and a genuine interest in achieving the best for clients is what makes a truly professional Financial Advisor like Mr. Claudio Corrales. I was transferred to him as my previous advisor wasn’t with Zurich anymore and his dedication to clients, business excellence sets him apart and I would highly recommend him to anyone wanting to achieve better financial outcomes. I’ve been with Zurich for the past 5 years and I am absolutely delighted with your service. It is really refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances, and preferences. Thank you!” –Jm Geca, Google Reviews

Excellent service from Zurich Insurance

“Excellent service from Zurich Insurance and Mr. Arun Somasekhar!!

Mr. Arun was very knowledgeable and helpful in helping me find the best insurance policy for my needs and budget. I would highly recommend Zurich Insurance and Mr. Arun to anyone looking for insurance. They are a reputable company with a proven track record of providing excellent customer service.” – Ratheesh Kallil, Google Reviews

FAQs about Accident Insurance in Dubai

We hope this helped you find the right accident insurance company in Dubai. Also, if you’re looking for more insurance recommendations, then check out these articles: