Key Benefits

• Death due to accident and/or sickness: On the happening of death due to accident or sickness OUIC will pay the chosen Sum Insured on receipt of the requisite documents like Death Certificate, ID proof, Claim form etc .
• Permanent Total Disablement: In the event of the life assured being totally and permanently disabled as a result of accident or sickness to the extent of being unable ever again to follow any occupation, OUIC will pay full sum insured.
• Permanent Partial Disablement: In the event of the life assured suffering as a result of an accident or sickness due to physical separation or total loss of use of any limb or external organ of the body or total and irrecoverable loss of sight, OUIC shall pay appropriate percentage of the sum insured.
• Medical Expenses Cover (Inpatient and Outpatient due to accident or sickness): All expenses related to medical treatment is covered subject to maximum annual limit. For expenses other than that caused by accident shall not be payable during the first 15 days of cover.
• Repatriation Expenses: A sum of up to RO 500/- is paid to repatriate the body of the domestic worker to their country of origin in the event of death or permanent disability due to accident and/or sickness.
• Temporary Total Disablement Benefit due to accidents only: In the event that the life assured becomes continuously and totally unable, through accident, to follow their normal occupation, the Company shall pay a weekly benefit of 100% of the Assured’s weekly equivalent of the basic salary subject to maximum of RO 25/- per week as long as such disability continues but for a maximum period of 52 weeks. Maximum monthly benefit is RO 100/-.

Standard Exclusions

• A Pre-existing physical or mental defect or illness for which the Insured Borrower has consulted or received treatment within the 2 years prior to the date of his enrolment in the policy unless declared to the Insured Company and duly accepted, or
• Self-inflicted bodily injury regardless of its date and of its cause, or
• A sickness directly or indirectly attributed to HIV and/or any related illness including AIDS, or
• Chronic alcoholism or abuse of alcohol or , abuse or addiction to drugs; or
• Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion, revolution, insurrection, acts of terrorism to such a degree and extent of the involvement or engagement of the Insured in these conditions without any cause; or
• Exposure if the body voluntarily, or not, to nuclear power or radioactivity in war or warlike operations or in peace; or
• Military service in the Armed Forces or Security Forces of any country or any authority, however if a member who is a Policeman or Armed Forces personnel dies or becomes permanently disabled while performing day-to-day course of duty, the Life Benefit under this Policy shall be payable. “No benefit’ will be payable for members of the Police or Armed Forces if the claim is due to any of the following events: Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, rebolt, mutiny, riots, strike, civil commotion, rebellion, revolution, insurrection, acts of terrorism, any kind of training, exercise or assignment involving the use of ammunition or explosives of any kind.
• The commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony, Or
• Flight of the Insured in any kind of aircraft except as a fare-paying passenger in an aircraft operated on a regular schedule by an incorporated common carrier for passenger service over its established air route, or he is transported as a patient or injured or attendant or hostess with an ambulance or rescue-aircraft or helicopter. Especially for the case of Death, suicide while sane or insane shall be excluded during the first year of the insurance coverage. Especially for the case of PTD, the following facts and events w ill not be covered
• Any Psychiatric, mental or nervous disorder; or
• Normal pregnancy, childbirth, abortion or miscarriage, or any complications thereof; or
• Disability attributed by the Insured to subjective complaints not detectable with laboratory measurement, microbiological, biochemical means and/or imaging

Download Section

      – HIMAYA-BROCHURE
      – Himaya-Policy Wording
      – Himaya-Proposal