Personal Accident Plan

Helping you through financial difficulties in case of unexpected events

Reayaa Plan

What is Personal Accident Plan?

Reayaa is a Sharia compliant Personal Accident Plan which provides individuals with peace of mind by protecting them and their families against financial insecurity caused by unfortunate events as a result of an accident.

Life brings unexpected unfortunate events, and Reayaa Plan is available to help you and your family at these difficult times. At Al Hilal Takaful we aim to help by reducing the financial burden that might accompany unfortunate accidents. This plan provides you and your family with the peace of mind should something unfortunate happen to you (God Forbid).

What do you get with this Plan?

Reayaa Plan is designed to pay out a death benefit should an accident result in your death or disability (God Forbid), whether total or partial. It also includes a daily hospitalization allowance which helps look after you in the days following a serious accident.

Reayaa Plan offers three different packages to suit your needs:





Death due to Accident 




Total and Permanent Disability due to Accident




Partial and Permanent Disability due to Accident

$20,000 (% payable as per disability scale)

$40,000 (% payable as per disability scale)

$80,000 (% payable as per disability scale)

Hospital Daily Allowance

$20 per day

$40 per day

$80 per day

Repatriation of Mortal Remains

Up to $2,000

Up to $4,000

Up to $8,000

Funeral expenses




Annual Contribution





This plan is suitable to anyone who meets the age and underwriting criteria; All individuals between the ages of 21 and 64 residing in Bahrain or Kuwait can buy this plan.


The plan is a 1-year renewable plan and will be automatically renewed by Al Hilal Takaful.

Changes in Beneficiary:
You have the right at any time to change the Beneficiaries and/or Trustee or change the allocated percentage for each Beneficiary.

Grace Period:
The plan offers 30 days from the contribution due date for you to make the payment before the policy lapses due to unpaid contribution.

3 Reasons why you must buy this plan

Offers 3 packages with varying contributions and benefits

Range of payment methods available

Annual Contribution

The Top 5
Questions People Ask us

We looked at the most commonly asked questions and answered them for you.

The Top 5
Questions People Ask us

Take a look at the most commonly asked questions about life insurance.
A Life insurance policy is an affordable way to give you and your family members peace of mind, knowing that they will be protected in the unfortunate event of your death or disability. You will no longer have to worry about their financial future and can rest assured knowing they will be able to continue their current lifestyle.

The best time to start saving is Now. The sooner you start saving, the better the chances are your plan value will have the sufficient amount you will need in the future. We generally have fewer expenses at the earlier stage of our life, however as we grow older we accumulate more responsibilities and accordingly expenses tend to rise, so it would be easier for us to meet those increased expenses if we start saving as early as possible. In addition, starting to save early in life creates a positive habit of saving first then spending whatever remains of disposable income.

It depends on your income, liabilities and dependents. Generally, it should be at least 10-15 times of your annual income

The biggest benefit of investment being linked to insurance is that the plan provides a protection advantage. In the event death or disability occurs (God forbid), your savings might not be adequate to meet the dreams you had for the future. Thankfully insurance helps with that; with Death or Disability benefits offered, this will help meet the real purpose of the plan: your dream.

Saving & Protection plans can be for the purpose of Education, Regular Savings, Wedding, or Retirement, and they offer a number of benefits, such as

  • Long term Commitment: Encourages you to save consistently towards a future goal, be it a better education for your children, buying a house or starting a business, saving for your child or grandchild’s wedding or even saving towards your retirement. These plans also provide you with the flexibility to choose the mode of payment and frequency.
  • Takaful Death Benefit: God forbids in case of death, the protection element in these plans ensures that your future goal you had set for your children is still met. In case you had selected a retirement plan, you can rest assured that a lump sum will be paid out to your family for financial security.
  • Choice of Investment Strategy: Range of investment strategies are available that you can choose from based on your risk appetite.
  • Indexation: Helps your savings be protected against inflation

Let us help you plan for your better future!

Share your Basic Details and we will arrange a call back for you.

Bahrain Regional Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

17th Floor, Office 1701/1702, Building 470, Road 1010, Sanabis 410, P.O. Box 5832, Manama, Kingdom of Bahrain.

+973 1758 9800

Kuwait Branch Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

10th floor, February 25 Tower, Khalid Bin Alwaleed St., Share, Kuwait City, Kuwait.

(+965) 2294 2663