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..