Comprehensive Personal Plan

An insurance cover ideal for your employees at home or work place with a wide coverage and premium amount that is just OMR 1.775 per month. while members are still working and earning an income and building for the future

THE SPECIAL FEATURES* Insurance Policy

Benefits Event Remarks

OMR 3000

Natural Death

In case of the death due to any cause.

OMR 5000 Accident Death In case of the death of the Insured Person due to an accident covered under this policy within 180 days following the date of such accident. This amount is in addition to OMR 3000 above.
OMR 1000 Accidental Medical Expenses (AM) In case of medical expenses being paid by the Insured Person as a result of an accident covered under this policy.
OMR 1000 Permanent Total Disability due to Accident (PTDA) In case of the Insured Person becoming permanently and totally disabled due to an accident covered under this policy, such disability being diagnosed within 180 days following the date of such accident. The accident must result in the inability of the insured person from working and/or generating any source of income in any or similar jobs for which he/she is reasonably educated and/or trained for at least 12 continuous months.
OMR 1000 Permanent Partial Disability due to Accident (PPDA) In the case of the Insured Person suffering, as a result of an accident, the loss by physical separation, or the total loss of any limb or organ of the body or the total and irrecoverable loss of sight as set out in the attached Continental Scale of Benefits.
OMR 500 Repatriation In case of the Insured Person being repatriated to his/her home country due to death.
OMR 1000 or 75% of Monthly Income Total Temporarily Disability due to Accident (TTDA) In case of the Insured Person being temporarily totally disabled as a result of an accident. Such accident must result in the inability of the insured person(s) from working and/or generating any source of income in any or similar jobs for which he/she is reasonably educated and/or trained.

THE MAXIMUM AMOUNT PAYABLE BY THE COMPANY ON DEATH SHALL BE OMR 8500 PAYABLE UPON DEATH DUE TO ACCIDENT.
If more than one disability caused by the same injury even in sequent intervals, the company shall pay only the greatest disability deducting any payment that has been made. No Benefit shall be payable in respect to the TTDA until the entire amount of the weekly benefit has been ascertained and agreed and not exceeding 75% of the actual income of the insured person(s) during the past 6 months prior to the acci-dent and subject to the limitations mentioned above.

The Special Features

Minimum age at entry

18 years

maximum age at entry 54 years (age as on last birthday)
Occupational eligibility Navy, Army, and Air Force are not eligible for this policy
Geographic Scope Accidental benefit coverage is only for events which take place in Oman
Annual Premium OMR 21.30

*Disclaimer: The above information is just indicative in nature and for more details on the coverage, terms and exclusions please read insurance policy.

General Exclusions

  • Suicide and intentionally inflicted wounds
  • War and war like operation, nuclear fission
  • Hazardous activity (scuba diving, fast racing, parachuting etc.)
  • Mental illness & HIV tested positive (AIDS)
  • Misuse of drugs and alcohol
  • Disease or injury before the policy inception

Giving wrong information in application form may lead to rejection of claims or benefits.