Frequently Asked Questions
Motor Insurance
Motor insurance, also known as vehicle insurance, provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Yes, it is mandatory in Oman to have at least third-party liability insurance to legally operate a vehicle on the road.
Third-party liability insurance covers the damages and injuries caused to third parties involved in an accident for which you are deemed responsible. This includes compensation for bodily injury, death, and property damage.
Comprehensive insurance provides wider coverage compared to third-party liability insurance. It covers damages to your own vehicle as well as third-party liabilities. It typically includes protection against theft, fire, vandalism, natural disasters, and other non-collision incidents.
The premium for motor insurance is calculated based on various factors such as the type of coverage selected, the make and model of the vehicle, the age and experience of the driver, and any additional optional covers opted for, among other factors.
Yes, you can transfer your existing motor insurance policy to the new owner of the vehicle upon sale. The transfer process usually involves notifying your insurance provider and providing necessary documents such as the vehicle ownership transfer papers.
Yes, many insurance providers in Oman offer the option to add additional drivers to your motor insurance policy for an extra premium. Additional drivers should meet certain criteria set by the insurance company, such as age and driving experience.
An excess is the amount that you agree to contribute towards the cost of any claim you make under your motor insurance policy. It is typically deducted from the total claim amount. Opting for a higher excess can lower your premium but would mean you pay more out of pocket in the event of a claim.
Some comprehensive motor insurance policies in Oman may include roadside assistance as an optional or built-in feature. This service provides assistance in case of breakdowns, flat tires, battery failures, and other roadside emergencies, offering peace of mind to drivers. It's important to check your policy details to see if roadside assistance is included or can be added as an optional cover.
Health Insurance
Health insurance is a policy that provides coverage for medical expenses incurred due to illness or injury. In Oman, health insurance is mandatory for all expatriate workers and their dependents, as per the Ministry of Health's regulations.
Expatriate workers and their dependents residing in Oman are required to have health insurance. Omani nationals are also encouraged to have health insurance coverage for better access to healthcare services.
Health insurance in Oman typically covers medical consultations, hospitalization, surgeries, diagnostic tests, medications, and emergency medical services. The coverage may vary depending on the insurance plan and provider.
Health insurance can be purchased through insurance companies, brokers, or employers. Employers often arrange health insurance for their employees as part of the employment package. Individuals can also directly approach insurance companies or brokers to purchase coverage.
Pre-existing conditions may or may not be covered, depending on the insurance policy. Some policies may have waiting periods or exclusions for pre-existing conditions, while others may offer coverage with certain limitations or higher premiums.
To make a health insurance claim in Oman, you typically need to inform your insurance provider about the treatment or medical service you received. You may need to submit relevant documents such as medical bills, prescriptions, and diagnostic reports. The insurance company will then assess the claim and reimburse eligible expenses according to the policy terms.
Many health insurance plans in Oman offer a network of healthcare providers such as hospitals, clinics, and pharmacies. While you can choose from within this network for preferred rates and streamlined billing, some plans may also provide coverage for treatment outside the network, albeit with different reimbursement terms.
Not having health insurance in Oman, especially for expatriate workers, can result in fines or penalties imposed by the government. Moreover, without health insurance, individuals may have to bear the full cost of medical treatment, which can be significant, particularly for emergencies or serious illnesses..
Travel Insurance
The travel insurance provides comprehensive coverage designed to meet all your travel needs, covering risks such as accidental death, permanent disability, medical and sickness expenses, emergency evacuations, baggage loss or delay, travel cancellation/curtailment, loss of travel documents, personal liability, and other travel-related benefits.
Liva Insurance offers extensive coverage, 24/7 medical assistance, flexible plans, and easy online access.
Yes, the travel insurance reimburses medical and sickness treatment costs incurred during your trip up to the benefits limit specified in your chosen plan.
You can choose from various travel plans like Platinum, Gold, and Silver, each with different benefit limits and coverage levels, so you can select a plan that matches your travel requirements and budget.
Yes, it does. In fact, all plans include emergency medical evacuation and repatriation benefits up to the limit listed in the policy for your selected plan.
Yes, the travel insurance covers trip cancellation or curtailment benefits under selected plans. The availability and benefit limit depend on the plan you choose, as shown in the policy benefit table.
Yes, Liva Insurance does reimburse you for baggage delays and for loss or damage to baggage and personal effects, subject to the plan limits.
Yes, you will get coverage for loss of travel documents in the policy, as per the limit specified in your selected plan.
Yes, the travel insurance does include personal liability coverage up to the amounts outlined in the benefits table for each plan.
Yes, all travel insurance plans come with 24/7 worldwide emergency assistance, helping you when an unexpected situation arises during your trip.
Yes, Liva Insurance extends certain benefits to the named infant accompanying an insured person, and family plans allow multiple children coverage according to specified benefit limits.
You can submit your claim through our claim process, where you notify LIVA Insurance via the official claim link on the travel insurance page or in your policy documents.
Liva Insurance covers trips up to a maximum of 90 days or 180 days, depending on the plan you choose. For one-way travel, coverage ends three days after the trip start date listed in your Certificate of Insurance.
Liva Insurance makes its travel plans available to residents and non-residents aged 2 to 75 years. If you choose the Silver Plus plan, Liva Insurance extends eligibility to people aged 76 to 95 years.
Liva Insurance does not cover pre-existing medical conditions under its travel insurance plans. These conditions fall under the policy exclusions.
If you face a medical emergency, you should contact Liva Insurance’s 24/7 emergency assistance service immediately using the contact information provided in your policy. They will help you with medical guidance, evacuation, or other urgent support.
Liva Insurance sets the accidental death and permanent disablement limit according to the plan you choose:
Platinum plan: USD 200,000
Gold plan: USD 30,000
Silver & Silver Plus plans: USD 20,000
Yes. Liva Insurance covers travellers aged 2 to 75 years under standard plans and extends coverage to 95 years for Silver Plus.
Yes. Liva Insurance offers Terrorism Plus, an optional add-on that increases your protection for terrorism-related events under Sections 1, 2, 3, and 4 of the travel policy. However, it needs to be specifically purchased.
Liva Insurance excludes certain risks from travel insurance coverage. These include war, terrorism (unless you add Terrorism Plus), pre-existing medical conditions, suicide or self-inflicted injury, pregnancy and childbirth, and participation in professional sports, along with other exclusions listed in the full policy wording.
Credit Life Policy
Individual Credit Life Insurance is a policy designed to settle the outstanding loan balance if a covered event occurs during the housing, personal, or car loan tenure, helping ensure loan obligations do not become a burden on family or guarantors.
The Individual Credit Life insurance policy covers only housing, personal, and car loans taken from a licensed bank or financial institution in Oman.
Individual Credit Life Insurance helps protect your family from inheriting loan obligations. It ensures the outstanding loan balance is settled in case of death or total permanent disability and allows loans to close smoothly without administrative burden.
The policy is linked to your housing, personal, or car loan. If a covered event (death or disability) occurs, Liva Insurance settles the outstanding loan balance directly with the lending bank based on the agreed terms.
The bank or financial institution that granted the loan gets the insurance benefit payout.
The coverage amount is the outstanding loan balance at the time of death or disability. It is calculated using the agreed decreasing balance amortization schedule.
Yes, the coverage follows a decreasing amortization structure and reduces in line with the outstanding loan balance over the loan tenure.
The coverage remains active for the duration of the loan, as stated in the policy schedule or annexure.
Any natural person taking a housing, personal, or car loan from a licensed bank or financial institution in Oman is eligible, on payment of the insurance premium.
If a covered event (death or disability) occurs, Liva Insurance settles the outstanding loan balance directly with the bank according to the agreed decreasing balance amortization schedule.
You submit claim documents through the lending bank or financial institution, where the documents must meet the requirements outlined in the policy terms.
Liva Insurance settles claims within the timelines specified in the policy. If there is an unjustified delay, interest may apply as outlined in the policy term.
Yes, credit life insurance is mandatory while taking certain loans like housing, personal and car loan. This is in line with the regulatory requirement.
If you repay the loan early, pro-rata refund is applicable as per the policy terms and conditions.