Sukoon Insurance

Sukoon sells a personal accident plan for individuals called Life Easy.¹

What does Sukoon’s Life Easy plan pay?

Sources for Table 1

Sukoon’s Life Easy benefits and pricing document, which is undated.²

Cover is worldwide, 24 hours a day. There is no medical examination, acceptance is guaranteed and the entry age is 18 to 69. Hospital income is paid for up to 180 days for the same accident. Bill protection is paid monthly after an accidental death or permanent total disability. Drowning, food poisoning, motorcycling and natural perils are included.^1,2

The main exclusions listed are suicide or self-inflicted injury, acts of war, service in the armed forces, professional sports, pre-existing conditions, AIDS, and childbirth or pregnancy.²

Ask Sukoon for the policy wording before you buy. It sets how each partial disability is paid.

Who is Sukoon?

Sukoon Insurance PJSC was previously Oman Insurance Company P.S.C.³ It is regulated by the Central Bank of the UAE under licence number 9 dated 24 December 1984, according to its website.¹ The Central Bank register lists it as a national insurance company under number 9.⁴

How do you claim or complain?

Sukoon has a personal accident claims section on its website. Its general line is 800 SUKOON (785666), and it takes complaints at complaints@sukoon.com.¹ If a claim is refused and Sukoon’s answer does not settle it, Sanadak, the Central Bank’s insurance complaints unit, takes complaints against insurers.⁵ See where to complain.

The small print

Sukoon’s personal accident page states paid-up capital of AED 461,872,125 and commercial licence number 203970.¹ In the pricing document, the benefits table gives AED 15,000 of accident medical expenses on Platinum, while its text says up to AED 25,000 per accident. The same document says defence costs for liability claims are paid up to AED 50,000 a year. Ask Sukoon which figures apply.²