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​​​​Rest Assured with AccidentSecura
Over the counter insurance plan for your peace of mind

AccidentSecura is a tailored, instant insurance product that offers you peace of mind and security for you and your family.

Why AccidentSecura?

  • Coverage for loss of life and disablement due to accident.
  • Coverage extended for family – spouse & dependent children.
  • 4 different packages available to choose from.
  • Affordable contributions.
  • Easy documentation.
  • Shari’ah Compliant.


  1. 1. What is the eligibility to apply for AccidentSecura?
     If your age is between 18 years to 70 years, you are eligible to apply for AccidentSecura. If you wish to add your spouse (age between 18 years to 70 years) and your dependable children (age between 3 years to 18 years) you can do so under the family package.

  2. What are the benefits covered in AccidentSecura?
     AccidentSecura covers loss of life and disablement due to accident.

  3. What is the term for AccidentSecura?
     AccidentSecura is a one (1) year plan that can be renewed every year upon expiry.

  4. What are the different plan options available in AccidentSecura?
     There are four different options in AccidentSecura based on coverage limits, (a) Option 1 – BHD 10,000/-, (b) Option 2 – BHD 20,000/-, (c) Option 3 – BHD 50,000/-, and (d) Option 4 – BHD 100,000/-.

  5. What are the contributions for AccidentSecura?
     The below table states the annual contributions to be made for each plan option: -

    Plan options and Annual contributions
    (in BHD) 
    Option 1  Option 2 Option 3 Option 4
    10,000  20,000 50,000 100,000
     Individual Contribution    10 
             Family Contribution   20 

                  1. What is the benefit for my family in case I meet with any unfortunate event (God forbid) if I have covered only myself in AccidentSecura?
                     As a participant in the individual contribution package, in case you meet with an unfortunate event of death due to accident (God forbid), your family would get paid the life cover amount immediately.

                  However, in the unfortunate event of permanent disability you would get a lump sum calculated as per the scale mentioned in the policy contract. The claim amount is based on the type of disability. A wide range of permanent disabilities are covered and include but not limited to permanent total disablement from gainful employment, permanent loss of one or more limbs, eyes, loss of hearing in one or both ears, speech, toes, fingers and many other forms of permanent disabilities. Please refer to the policy contract for more information.

                   The below table outlines the protected events and the percentage of the Sum Protected that is paid according to the degree of disablement:


                    Protected Event Sum Protected  
                   1 Loss of life due to an accident   100%  
                   2 Permanent total disablement from gainful employment of any and every kind   100%  
                   3  Permanent total loss of one or more limbs   100%  
                   4  Permanent total loss of one or both eyes   100%  
                   5  Any combination of 3 and 4 (mentioned above)   100%  
                   6  Permanent total loss of speech   100%  

                   Permanent total loss of hearing: 

                  • In both ears 
                  • In one ear 


                  •  75%
                  • 15%

                   Loss by physical severance or permanent total loss of use of: 

                  • One big toe(both Phalanges) *
                  • One big toe (one Phalanx) 
                  • Any other toe


                  • 10%
                  • 5%
                  • 5%
                      Loss by physical severance or permanent total loss of use (**to be reversed if the Participant is left handed):   Right** Left**

                  One thumb

                  •  Both Phalanges 
                  • One Phalanx 


                  • 25%
                  • 10%


                  • 20%
                  • 8%

                   One forefinger:  

                  • All Phalanges
                  • Both Phalanges
                  • One Phalanx 


                  •  20% 
                  • 15%
                  • 10%


                  • 15%
                  • 10%
                  • 5%

                   Any other finger:  

                  • All Phalanges 
                  • Both Phalanges
                  • One Phalanx


                  • 10%
                  • 8%
                  • 5%


                  • 8%
                  • 5%
                  • 3%

                   Permanent total loss of use of:  

                  • Shoulder or elbow
                  • Wrist 
                  • Hip, ankle or knee 


                  • 25%
                  • 20%
                  • 20%


                  • 20%
                  • 15%
                  • 20%
                  13 Removal of the lower jaw by surgical operation  30%  


                  * Note: phalanges are bones (plural for phalanx) that form the fingers and toes. An individual’s thumb and big toe have two phalanges, while the other fingers and toes consist of three.
                  7. What is the benefit for my family and myself in case we meet with an unfortunate event under the family contribution option of AccidentSecura?
                   If you opt for the family contribution package, in addition to the above individual benefits to you, your spouse and an unlimited number of your dependent children are also each covered for 10% of your life and permanent disability scale cover, all in one single policy.

                  Adherence to your principles
                  Takaful, which means “guaranteeing each other”, observes the rules and regulations of Islamic law (Shari’ah). BBK’s partnership with Medgulf Allianz Takaful means that this Secura plan is built on the principles of mutual cooperation and shared responsibilities. By securing a Medgulf Allianz Takaful product through BBK’s Secura, you cooperate with other Participants for the common good. You, therefore, contribute positively to providing quality of life for all and upholding the dignity of individuals, families, and our society in general.

                  As a participant to the mutual system, you may be eligible to receive a share of any declared surplus from the Participants Takaful Fund. Distribution of the surplus is in accordance to Medgulf Allianz Takaful’s Surplus Policy as approved by its Shari’ah Supervisory Board.

                  We are at your assistance
                  We know that choosing the right investment product is not an easy task. Hence, our expert Financial Consultants are available to assist you in structuring a proper financial plan that meets your financial objectives. You can also feel free to contact our Customer Service Personnel anytime for assistance. We are happy to assist you.

                  Important Notice:
                  This brochure contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any financial advice. Any person interested in this plan should read and consider its complete Terms and Conditions before making a decision. Please request the same from our authorised Financial Consultants.

                  For more details on SECURA, please visit any BBK branch,, or contact us on any of the following:

                  BBK Contact Centre: 17207777, Email: [email protected]

                  Rest Assured with AccidentSecura


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