The premium for car insurance is calculated as a percentage of the value of your car. If you have had any accidents, it would be factored in to the premium. If you have not had any accidents, we offer a no-claims bonus with the renewal of your policy
Also known as ‘Deductible’, the Policy Excess is the fixed amount of money that you have to pay for each and every claim you may have – the Policy Excess is there to offer you a lower overall premium for your car insurance
The premium for super-fast and exotic cars is a little higher and the policy excess (deductible) is higher too based on the fact that these cars are very expensive to repair and generally have a higher risk of accidents than normal cars
Our Roadside Assistance cover gets you moving quickly. Apart from towing services, we also offer mechanical first aid, flat tyre, lock – out, fuel and battery services. This cover is applicable for non-accidental breakdowns only.
Roadside Assistance package comes in two versions, one that covers OMAN and the other that covers the UAE
Many roads in Oman are still not paved and the standard comprehensive insurance does not cover your vehicle for accidents happening on non-paved roads such as dune driving, access roads to the beach, construction sites etc. With the Off-Road cover, you are covered on such roads
If the estimated cost of repairing your damaged car is greater than 75% of the car’s insured value, it would be considered as a total loss
OQIC does not provide Comprehensive insurance policies for cars which are older than five years
Repairs of your car will always be done at your car brand’s agency during the first year of its registration. Thereafter, OQIC may use a workshop of comparable quality
To ensure that your car is always repaired at a workshop of the agency, you can purchase our “Agency Repair” optional cover and add it to your comprehensive insurance
The period of cover for a travel insurance ranges from one week to three months. The annual multiple cover is valid through one year (inclusive of maximum of 90 days stay per trip)
Pre-existing medical treatments are excluded from the scope of Travelcare Plus policy
Travelcare Plus covers for individuals up to the age of 70 years. A premium loading of 100% is applicable for applicants aging between 70 and 75 years. A medical certificate stating the fitness of the applicant needs to be submitted at the time of purchase of the policy
Children under the age of 18 are charged only 50% of the standard premium
To purchase a Travel care Plus policy, the customer must either be a permanent or a temporary resident of Oman and must have a residence or a regular place of business in Oman.
The first portion of each and every loss is USD 40 and will be borne by the insured.
Involvement in any adventurous sport is typically not covered.
OQIC’s Travel insurance provides cover for return trip arrangements only
Travelcare Plus offers medical cover ranging from USD 50,000 to USD 1,000,000, which makes it fully acceptable to the requirements of an Embassy.
Your policy will be valid for a year and will start from the date of payment
The exclusions include loss or damage caused by or arising out of:
Note: For more details please refer to policy wording under excluded perils/general conditions
Home content insurance provides a range of benefits these include:
This is an option that provides the client with the benefit of insuring their valuable items (e.g. jewellry) while he/she is traveling either locally or internationally.
You will need to submit a completed Homecare Insurance Proposal & Schedule Form and submit them along with a copy of your Omani ID.
As the name suggests, OQIC’s Home Content Insurance covers your personal contents only.
Invoices or cash receipts are to be submitted only when the value of your insured items is equivalent to or even higher than 5% of the Total Sum Insured. If you buy the All Risk’s cover, an itemized list of all your personal contents will be necessary to confirm cover.
Invoices, receipts and pictures of your personal contents serve as Onus of Proof
Invoices, receipts and pictures of your personal contents serve as Onus of Proof.
Furniture items which cannot be moved around easily are categorized as Fixed Personal Contents
Valuables like jewellery, laptop, camera, unfixed household goods and other personal effects that you own are your personal contents. They may include:
A sum of OMR 50 for Basic cover & OMR 75 for All risk cover, which is the first portion of each and every claim/loss/damage, is the Policy Excess and must be borne by the insured.
Please request your HR Department to include your spouse and children. An eligible child will be covered until the end of the contract year in which he/she reaches age 18, or 23 if a full time student. There is no age limit for a dependant who is physically or mentally handicapped and is unable to live independently.
Upgrading your plan is only allowed if you as a principal member have been promoted from your current post and is eligible for a higher plan according to the new designation. All dependents will be in the same category of the principal insured.
At present, we are offering Health insurance solutions to corporate customers only.
Maternity coverage is an optional cover that is opted for on the level of the plan/Group. If the plan you are affiliated to is having that additional coverage, automatically maternity will be added to all married insured females aged between 15 to 50 years old. If the benefit is not available for your current plan, it cannot be added later on selection basis.
Employee’s spouse and children are the only dependents that can be enrolled in the insurance policy.
Yes, from 15 to 50 years and the cover is applicable only for married females.
Yes, if maternity benefit is included in your plan, Caesarean Section will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Yes, if the maternity benefit is included in your plan, legal abortion will be covered subject to the maternity sub-limit mentioned in the Table of Benefits.
Yes, if the maternity benefit is included in your plan, maternity complications will be covered subject to the maternity sub-limit mentioned in the Table of Benefits.
Delivery should be done only within the plan’s geographical scope of cover to be covered by the insurance policy.
Approval must be obtained for certain medical procedures/treatments. Healthcare provider bears the responsibility to obtain the pre-approval. The following are some examples for services that require pre-approval:
Please ensure that any expenses for non-emergency “elective” inpatient treatment are agreed in writing i.e. either by fax/e-mail/letter before any planned treatment is undertaken. Planned inpatient treatment availed without pre-authorization may not be eligible for a full refund in accordance with the policy terms and conditions
If the country where you are planning the delivery is covered within the geographical scope of cover, the arrangement shall be as follows:
Based on your preference, payments can be made either through a cheque or through a bank transfer.
Claims should be submitted within 30 days from the date of treatment.
Payment for cash reimbursement of processed claim can be availed within 5 working days from the date of receiving complete claims documents.
All cash reimbursements are made in Omani Rials.
You can seek medical care immediately or speak to our TPA’s 24/7 call centre to assist you with any queries you may have. You would have to notify our TPA within 24 hours of admission to the hospital. Should you be on a trip outside Oman, you must immediately call the international call centre number printed at the back of your card.
You can access a specialist or consultant directly.
Please visit our website and click on Dental “Sub-benefit” to view the Dental benefits.
You can always contact our TPA for any clarifications or assistance.
You may contact our TPA’s call centre and they will assist you accordingly.
The Insured will have to pay the deductible, co-payment and co-insurance (if any) as has been mentioned in the membership card. For more information, please refer to the Table of Benefits.
Deductible is the amount of a claim which has to be borne by the Insured before the relevant benefits are payable under the Policy apart from the optional benefits.
Co-payment is the percentage of costs the Insured must pay related to Dental, Optical & Maternity related treatments.
Co-insurance is the percentage of patient share applicable for Cash reimbursement claims or specific service provider. Kindly refer to the Table of Benefits for details.
You will need to notify your HR department to ask for a replacement. A replacement fee will be levied.
The sole purpose of this policy is to treat and cure existing medical conditions; hence preventive measures are not covered.
Policy limit of the previous policy year cannot be carried over for the next policy year.
Yes you can. Please submit the claim for cash reimbursement.
You can use “Find Provider” feature in TPA Mobile App.
Your membership card is purely a way to identify you and the payment capability is subject to the coverage of the policy.