Working with a broker can save you time and money and — most importantly — can result in much better insurance coverage. Brokers are often able to get better rates on insurance policies for their clients than companies buying insurance directly from the insurance companies.

While the industry defines us as insurance agents/brokers, we identify ourselves as insurance consultants and advocates of our clients. Here are few additional advantages a client can have by appointing an Insurance Broker.

1. An insurance broker works for you - not the insurance company.
2. Brokers deploy experienced and professional industry experts
3. Your efforts reduce to minimal; but stil you manage to get best deal.
4. Independent insurance brokers however, can provide you with products from almost any insurance carrier on the marketplace based on your price and coverage preferences.
5. Insurance Brokers also offer the freedom of a one stop shop. By consolidating all your insurance needs under one roof.
6. Insurance Broker handle all of the complex, unsatisfying aspects of insurance on your behalf, while providing insight and advice when necessary. 

Medical insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use. While buying insurance; understanding long list of exclusions is very important. Insurance will also not cover optical, maternity and dental treatment if not taken as an optional cover.

The insurance provider has the full right to reject the claim if it is related to the diseases or treatment that comes under exclusions. So, opt for the cover that offers maximum coverage with minimal exclusions. Below are the few diseases that are not covered under a standard health insurance plan:

1. Pre-existing Diseases: Any diagnosis of diseases / undergoing of surgery/occurrence of an event, whose signs or symptoms first occur within 30 days of policy start date.
2. Self-Inflicted Injury: Expenses attributable to self-inflicted injury such as suicide, attempted suicide, etc.
3. Injuries Due to Consumption of Alcohol: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
4. Transmitted Diseases: Medical expenses incurred for the treatment of AIDS and other transmitted diseases.
5. Pregnancy Treatment: Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
6. Infertility Treatment: Tests and Treatment relating to infertility and in vitro fertilization cannot be claimed.
7. Congenital Diseases: Expenses incurred for the congenital disease are also not covered under health insurance policies. These are the diseases or disabilities that occur by birth. 
8. Permanent Exclusions: War, riot, strike, and nuclear weapons induced hospitalization are considered as permanent exclusions.
9. Cosmetic Surgery: Plastic surgery, cosmetic treatment and implant are also not covered under an insurance policy.

Anyone having valid residency status can take an annual medical Policy in Oman.

Anyone below 65 years can buy a medical policy. For over-age the proposal is subject to satisfactory additional underwriting.

Yes, medical cover is available for a new born baby if one or both the parents are covered in medical insurance.

Vaccinations are not covered in Medical Insurance, unless it is agreed at the time of taking insurance in a Group Medical Policy.

It's very well covered in individual life insurance policy.

It's a matter of pre-agreement in group life insurance policy.

Pandemic is excluded in medical policy, but to support the citizens and residents the CMA and Insurance companies have come forward and CMA has issued following circular to deal with covid-19 related medical treatments.

The circular addressed to insurers included directives to cover the cost of treatment of insured infected with coronavirus (COVID-19) within the limits of the insurance available in their respective policies when they receive treatment in any private hospital. The insurers would rely on the prices' lists and treatment procedures approved by the Ministry of Health. Any charges above the approved price list of ministry to be borne by insured's sponsor.

There are various medical policies available now, in which coverage for Covid 19 is available beside normal covers.

ADB stands for accidental death benefit.

In case of natural death only one sum insured is paid and if insured has opted for ADB benefit in insuance policy then the double of sum insured is payable in case of accidental death.

Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use. Insurance will also not cover optical and dental treatment if not if not taken as an optional cover.

Insurance Companies cover the cost as per the circular issued by CMA if the test report is positive and inpatient treatment is required.

A medical illness or injury that you have before you start a new health care plan may be considered a "pre-existing condition." Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. Many insurance companies offer medical plan with pre-existing conditions covered.

Generally, there is waiting period of 9 months and in first year it can't be covered in individual medical insurance policy. But in group medical policy it may be covered from the date of inception.

Medical Treatment of Eye and Dental is an optional cover in standard medical insurance policy.

Anyone below 65 years can take a medical policy and above that the proposal is subject to satisfactory additional underwriting.

Anyone below 65 years can take a medical policy and above that the proposal is subject to satisfactory additional underwriting.

It is mandatory to have covid-19-coverage in travel insurance policy.

The time period during which a health plan won't pay for treatment relating to a pre-existing condition. For most of the insurance program; this cannot exceed 12 months for a regular insured or 18 months for a late-insured member.

A pre-existing condition is typically one for which you have received treatment or diagnosis before you enrolled in a new health plan.

There are many insurance companies in Oman which offers Travel Insurance. Few Insurance Companies to name like AXA, NLIC, AFIC, NIA, VISION, ORIENT offer a travel plan tht includeds emergency medical treatment for Covid-19 infections.

Travel Insurance is optional but 30 days medical cover which covers medical treatment for Covid-19 is compulsory to travel Oman.

Yes; they cover covid 19 treatment in Oman.

Most of the Insurance companies offers 2 to 5 years' agency repair cover, above that it depends on certain conditions and underwriting practises. Dealer repair is allowed as per law for first 12 months of buying a brand new vehicle.

Householder insurance protects your home, its contents, and, indirectly, your other assets in the event of fires, theft, accidents or other disasters.

A standard homeowner's policy will protect you from things like fire, lightening, natural perils.

If you're moving into a fully furnished property, you can get tenants' liability insurance as a standalone option. It's best to weigh up the value of your security deposit versus the cost of annual cover, in case you cause accidental damage to landlord property.

Contents insurance helps pay to replace or repair your personal belongings if they're stolen or damaged by a covered peril, such as a fire. So, if someone breaks into your home and steals your laptop, or your clothing, furniture etc are ruined in a fire, you may find that contents insurance helps cover the loss.

An expat need following compulsory insurance in Oman;

1. While entering in Oman, he/she must have medical cover for covid-19 for min 30 days.
2. Owning a vehicle requires to have minimum third party insurance.
3. work related injuries and death including repatriation.

There are two types of insurance an expat must have in Oman; 1) Compulsory Insurance 2) Optional Insurance.
Compulsory Insurance;

1. While entering in Oman, he/she must have medical cover for covid-19 for min 30 days.
2. Owning a vehicle requires to have minimum third party insurance.
3. work related injuries and death including repatriation.

Optional Insurance;

1. Medical Insurance – at present this is optional cover an expat can have but very soon it is expected that it will be compulsory insurance in Oman.
2. Life Insurance – Since most of the corporates  provides life insurance cover to their employees. But you must check the policy and cover yourself with the reasonable sum insured.
3. House Insurance – Tenant Liability – Third Party Liability – you may go for a Home Insurance which covers contents of your home including tenant and third party liability.

Yes! As per Sultan Decree 40/77, compensation is prescribed for Work related Injuries and Occupational diseases.