|Benefit options on Accidental Death or Permanent Total Disability (Accident)||A) Cover 2000||B) Cover 4000|
|Total Pay-out||(OMR) 2,000/-||(OMR) 4,000/-|
No payment shall be made under this policy on the accidental death of the insured person, if such Accident occurs as a result of:
Active participation in a war or in warlike operations.
Cover is excluded if an insured person is an Active Participant and/or directly or indirectly involved in war (whether declared or not) or war like operations.
“Active Participant” in Warlike Operations means an active member of a military force e.g. army, navy, air force, territorial army or police or any other special forces activated by the government of a country or other public authorities to defend law and order in case of a warlike operation, or any other person who takes up arms in an active or defensive role.
“Warlike Operations” means terrorism, hostilities, mutiny, riot, civil commotion, civil war, rebellion, revolution, insurrection, conspiracy, military or usurped power and martial law or state of siege.
The above exclusion shall not apply if an insured person is non-participant and is an innocent bystander. However, above exclusion shall apply for Insurance coverage including Passive War Cover in a) Iraq, Afghanistan, Libya, Palestine, Israel, Syria, Iran, Sudan, Yemen and any other country where war or war like operation takes place; b) Where an insured person remains in a country for more than 28 days following an outbreak of war in that country; and c) Where an insured person is travelling to or visiting a country after war has been declared in that country or after it has been recognized as a war zone by any one of the competent International Agencies namely be United Nations or the USA or the EU or UK or any other competent International Agencies or if foreign offices advice against all travel in that country or where there are war likes operations.
Destructive Agents Exclusion
This policy does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless of any other cause or event contributing concurrently or in any other sequence thereto. This exclusion shall apply to non-participant & innocent bystander too.
This policy does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly or indirectly from an act or multiple or related acts of Terrorism as defined below regardless of any other cause or event contributing concurrently or in any other sequence thereto. The term “Terrorism” as used herein, shall mean an activity that satisfies both of items 1 and 2 below:
1. Involves a violent act or an act dangerous to human life, tangible or intangible property or infrastructure, causing damage to property or injury to persons, or a threat thereof;
2. Appears to be intended to:
This exclusion shall not apply if the insured person is a non-participant and is an innocent by-stander to an act of terrorism. However, above terrorism exclusion shall strictly apply to claims arising a) as a result of Nuclear Weapons or Devices, Chemical or Biological Agents and b) occurring in Travel restricted zones / War zones as mentioned above.
The insurance coverage of a insured person under the Policy shall automatically terminate as of the date on which:
A claimant shall:
The Insurance Company shall administer, investigate, and if verified make payments of any and all claims arising under this Policy by a Claimant in a timely manner pursuant to professional industry standards, and in any case no later than fifteen (15) days of receiving a claim by a Claimant.
The Insurance Company shall ensure good faith and fair dealing in administering and investigation of any and all claims raised by Claimants under the Policy.
In the event a Claimant notifies the Policyholder of any claim arising under the Policy, the Policyholder shall redirect the Claimant to the Insurance Company for administration of the claim.
In the event a Claimant raises a claim directly with the Insurance Company, the Insurance Company shall send to the Policyholder a written notice of such claim, along with all necessary supporting information within three (3) calendar days of receipt of the claim. The Policyholder shall within three (3) calendar days of receipt of such notice provide to the Insurance Company written confirmation of the relevant insured person’s status as an active customer of the Policyholder at the time the claim arose.
By opting into the Policy you explicitly agree that we may share with the insurance provider your coverage ID, date of enrolment, coverage option, and confirmation that you were an active subscriber on our network if/when a claim arises for which you claim a benefit under the Policy.
Your coverage ID is a unique subscription number that is automatically generated when you opt into the Policy and will be sent to you via SMS.
You are solely responsible for submitting the required information, which may include your personal information and any claim related information, directly to the insurance provider.