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SERVICES

With over 70 years of regional experience, our Insurance Coverage services are designed to shield you and your loved ones from any potential harm, while also shielding your personal belongings and investments from sudden and unpreventable damages that might occur in the future.

IN CASE OF ACCIDENT

Individual Medical Insurance

These are short term medical contracts underwritten on individual as well as group basis covering the period of one year from the date of contract to protect the policy holders (employer / individual) from the loss arising from the short term medical issues that would affecting the policy holder. There are no guaranteed benefits paid. In addition, there are no maturity or surrender benefits. The premium is received on monthly basis from the policyholders.

Engineering Insurance

Engineering insurance is designed to compensate contract holders for property under construction. Contract holders could also receive compensation for the loss of earnings caused by the inability to use the insured properties.

Aviation Insurance

Coming Soon .....

Marine Insurance

Marine insurance is designed to compensate contract holders for damage and liability arising through loss or damage to marine craft and accidents at sea resulting in total or partial loss of cargo.

Motor Insurance

Comprehensive Insurance:
This is the widest form of cover available to protect your vehicle. The plan covers losses due to accident to the vehicle, fire in the vehicle or theft of the vehicle and it includes your liability for personal injury or property damage to third parties arising from the use of your vehicle. There are other additional extensions such as

** Riot, strike, storm and flood
** United Arab Emirates cover
** Off-road cover
** Personal Accident cover
** Third party property damage limit
** Windscreen damage
** Personal Accident Benefit (PAB) cover to driver
** Personal Accident Benefit (PAB) cover to passengers

Compulsory Insurance (Third Party Liability):
This policy indemnifies the insured against all sums which the insured shall become legally liable to pay as compensation for:

** Death of or bodily injury to any person including all passengers in the vehicles (except the insured or the driver and their families [spouse, parents and children] and the employees of the insured).
** Damages for materials and property (except those owned by the insured or the driver at the time of the accident).

Third Party Motor Insurance is Mandatory in Sultanate of Oman, as it covers compensation of Death (Third Party) up to RO 15,000

LIFE

Individual life:

These are long-term life insurance contracts underwritten on individual basis, covering the life of insured. These contracts protect the Company’s policyholders from the consequences of events (such as death or disability) that would affect the ability of the policyholder or his/her dependents to maintain their current level of income.
Guaranteed benefits paid on occurrence of the specified insurance event are either fixed or linked to the extent of the economic loss suffered by the policyholders. There are benefits to be paid on maturity or surrender benefits. These are taken into consideration by the actuary while determining life reserves for unexpired risks.

Group life:

These are short term life insurance contracts underwritten on a group basis, the lives covered usually being employees of a corporate policy holder. These contracts protect the Company’s policy holders (the employer) from the consequences of events (such as death or disability) that would affect the ability of the policy holder or his/her dependents to maintain their current level of income. There are no guaranteed benefits for the policyholders. There are no maturity or surrender benefits.