Get all the answers to the most frequently asked questions.
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 cars vary based on the usage and vehicle types and in addition to that excess also will vary.
Sand Dunes are not allowed. 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
When the estimated cost is greater than 75% of the car’s insured value, it would be considered as a total loss
As per regulatory, the fault party in an accident shall be identified and claims will be reported to the respective insurance company.
|R.O 3000||Natural Death|
|R.O 8000||Accident Death|
|RO 1000 Reimbursement||Accidental Medical Expenses (AM)|
|RO 1000 Reimbursement||Permanent Total Disability due to Accident (PTDA)|
|RO 1000 Reimbursement||Permanent Partial Disability due to Accident (PPDA)|
|RO 500 Reimbursement||Repatriation|
|Max.RO 1000 or 75% of Monthly Income(whichever is lesser)||Total Temporally Disability due to Accident (TTDA) (Salary Certificate is compulsory)|
Above is subject to production of satisfactory documents
Refer to policy document for details or call us
Minimum age at entry is 18 years and maximum age at entry is 54 years as on last birthday
Any resident of Oman can buy CPP
Yes. Accidental benefit coverage is only for events which take place in Oman
Premium for CPP is for 1 year – OMR 21.300 and for 2 years – OMR 42.600
Household good and personal effects(up to limits specified in the policy) owned by you or by your family members residing in the same premises.
Cash, Currency Notes, Bank Notes, Stamps, animals, crops etc.
No, it is covered only when it is present in the premises declared in the policy during a claim.
Yes up to 60 days.
Yes. Rials 25 for each and every claim.
You can pay the premium online or through NLGIC APP or any of our Branches/Agencies/Brokers in Oman
The Annual premiums applicable for options under Home Contents Plan are as below:
1. Plan 1 RO 19 Contents worth RO 5000
2. Plan 2 RO 37 Contents worth RO 10000
3. Plan 3 RO 75 Contents worth RO 20000
All plans above include cover of personal belongings worth RO 500
No, you have to take a separate policy for each home. The policy is applicable only for the premises named in the certificate of insurance.
No. Since Hayatuna Home Contents Plan policy covers only the household items and not the structure of the house, you can buy this policy for the household items of only the house that you stay in.
No. The Home Contents Plan policy taken by you will cover the home contents of the villa that you live in. Your brother will have to take a separate policy to cover the contents of his home.
Yes valuables include jewellery, gold, silver, watches, and cameras. The maximum cover available is RO 500 for personal belongings.
Under the Policy you can claim for damages caused to your Home Contents by:
• Fire • Burglary(not theft) refer detailed wordings.
• Cyclone • Storm, Tempest & Flood (STF)
• Inundation due to natural calamities
• • Earthquake • Lightning
• Accidental damage by falling trees • Explosion
• Riots & Strikes
You have to give your name, location address, risk cover option and signature in the application form.
The maximum benefit available under the policy will be to the extent of sum assured (subject to terms and conditions of the policy and deductibles as mentioned) chosen by you. You will not be penalized for choosing a lower risk coverage.
Not Unless the Value is within the sum insured selected. If the value exceeds, then the decision of change of Plan under the insurance policy will be at the discretion of the Insured.
Yes, but subject to approval from the Insurance Company.
A. Yes, if the single item value exceeds RO 500/-
You should immediately, not later than 15 days from the event, inform NLGIC branch of the loss and report the claim. NLGIC, at its cost, will depute a surveyor at the site of loss to assess the cause and damage.
Yes, you can cancel the policy anytime by giving a written request to any of our branch/from where you purchased the policy.
You will get RO 5,000 in option 1 and RO 10,000 in option 2 and RO 20,000 in option 3.This is as per the maximum limit cover chosen by you.
No. The policy only covers burglary which will have a clear evidence of forceful entry to the house having insured contents.
Yes, a loss due to such an event is covered under the policy and will have to be supported by an ROP report at the time of making the claim.
The insured needs to provide the following documents to make a claim:
• Completely filled Claim Form
• Certificate of Insurance
• Copy of the national ID / resident card
• Police report, in case of burglary and loss of valuables
• Police or Fire Brigade report, in case of fire
Yes, the age limit is 65 years
Yes, you can buy our insurance independently from nationality and country subject to you are holding a valid Omani resident card.
Yes, you can buy both Individual policies only. However, a policy for family or a maximum member of 10 can buy a policy. The policies issued will be individual in nature.
No, Visa is not required to procure our Travel Insurance
Yes, you can, subject to the proposer and insured are in agreement for the same. However, the refunds and claims will be processed in the name of the insured only.
Yes, a payment confirmation with your details is provided after purchase via e-mail.
We shall send your insurance documents by e-mail after payment.
You can visit any one of the nearest NLGIC branch.
Our payment provider treats all the request within 24 hours. Depending on the bank and the country of the card holder, it can take from a few days till several weeks.
No. Only the person covered by the insurance is shown on the certificate. The name of the insured is shown in the special conditions.
We shall send your insurance documents by e-mail. You will not receive a paper version.
Pre-existing condition is any sickness, disease or other medical condition of the Insured Person which requires medical treatment and which was known by the insured person and diagnosed before purchase of NLGIC travel insurance.
The Premium depends on the Age of the Insured person and the cover (as above selected)
The basic difference between three types is the access to hospitals/clinics that is available. While Platinum grants you access to almost all clinics/hospitals in the Sultanate of Oman, the same is restricted in case of Gold and further in case of Silver. The amount mentioned is the maximum cover available in Omani Rials
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 Insurance
For complete list, visit our website http://www.nlicgulf.com/network.html
Once you reach a clinic/hospital, present your card at the reception. They will guide you for further steps. In case of any problem, you can call our Call Centre for assistance, whose number is given at the back of the Card
This gap has been given to enable the offices to get your Medical Card ready for you, so that you do not lose a single day of cover. The cover is for full year after 15 days. Also, there is no such gaps on renewals in subsequent years
The same is available from 2nd year onwards of continuous cover
Any citizen or resident of Oman availing Loan Facility from registered Financial Institution can avail this Policy, which can be used as a collateral against the Loan being taken
The Premium depends on the Age of the Insured person, amount of Loan being taken and the tenure of loan for repayment
Most of the Financial Intuitions in Oman accept the DAMANATI Insurance issued by National Life & General Insurance Co SAOG
The Basic Cover available is Death due to any cause. Additionally, one can opt for Permanent Total Disability, Permanent Partial Disability, Additional Term Insurance – as per the need
In that case, upon receiving a valid discharge and original Policy document from the branch, a part of the premium is refunded as per a fixed formula defined in the Policy Document
Medical Requirements depend upon the Age of the person to be Insured and the amount of Loan taken by him/her. For more details, please contact any of our offices
Individual credit life insurance is available to wider age group and this plan is flexible to cover loan of varying amounts. It offers host of features which make this insurance solutions unique and exclusive in this market. It has been designed to provide absolute and comprehensive insurance solutions to the common man and most importantly priced within reach.