Group Personal Accident Insurance

Employees play a big part in ensuring that the business continues to run successfully. Today we are all exposed to uncertain risks at any place. Some unfortunate accidental to your employee(s) occurrence might bring a huge financial loss or a difficulty in running some operations. So to ensure the well being of your employees and their families, it is important to compensate for such losses. Group personal accident insurance can help to indemnify any such losses.

Group Personal Accident Insurance plan provides companies with comprehensive personal accident insurance coverage and liability insurance protection against accidental death or injury. 

  • Death: Bodily Injury, which within 12 calendar months from the occurence thereof shall solely and directly cause the death of the insured person.
  • Permanent Total Disablement: The loss of a function of the body whereby total restoration is not possible. Example; paralysis, loss of vision, hearing or speech.
  • Permanent Partial Disablement: This is a disablement which is not so severe such as loss of a finger or toe and the compensation will be based on a percentage of the sum insured.
  • Temporary Total Disablement and Temporary Partial Disablement: The amount payable is based on weekly compensations.
  • Temporary Total Disablement: The insured is incapable to fully attend to his work and its compensated based on the number of weeks of his disability.
  • Temporary Partial Disablement: Insured is incapable to attend a specific area of his normal duties and compensation will be based on the period of partial disability.
  • Medical Expenses: Pays for medical expenses incurred following an accident.



  • Dangerous sports or recreation activities.
  • Riot & Strike
  • War and kindred risks
  • Travelling in an aircraft as a member of the crew
  • Self injury, suicide and willful exposure to injury, provoked assault
  • Insanity or under influence of drugs or intoxicating drinks
  • Pregnancy, childbirth, miscarriage, abortion or pre-existing physical defect
  • Disease or illness
  • Armed or military duty
  • Professional sports 

Next Steps?

News and Updates

  • Ayady Takaful commences “2017 Surplus Distribution”

    Allied Islamic window; Ayady Takaful holds a press briefing session regarding “Distribution of Surplus” for the year 2017. As announced at Allied Special Event 2019, Ayady customers can submit claim forms till 31st March 2019, 4pm. Surplus application forms will be available online from Ayady website; as well as from Ayady Customer front office located in H.Orchid (In front of Velaanaage)

    February 11th, 2019
  • Allied Insurance Company welcomes New Managing Director Mr. Mohamed Shafaz

    State Trading Organization plc appoints Mr. Mohamed Shafaz as the new Managing Director of Allied Insurance Company of the Maldives, effective from 31st January 2019. The appointment was made following the resignation of former Managing Director Mr. Ahmed Ameel, owing to familial responsibilities.

    January 31st, 2019
  • Allied Insurance Company marks 34th Anniversary in Special Event 2019

    The leading insurer of the Maldives; Allied Insurance Company holds the 3rd edition of Special Event to celebrate their 34 years of dedicative service. This ceremony held in Dharubaaruge on the 30th of January 2019 was honored by the Chief Guest; Governor of Maldives Monetary Authority Mr.Ahmed Naseer, other high level dignitaries/ government officials, Agents/ Brokers and corporate clients of Allied Insurance Company.

    January 30th, 2019