Oman United Insurance

Personal Accident

Accidents can have damaging effects on our physical, financial and most importantly emotional being. Animal attack or slip & fall, personal injury can take place anywhere and in any form.

Personal Accident Insurance is specifically for situations similar to these. This insurance cover provides a lump sum amount in case of death or disability arising out of an accident caused by external violent visible means. This amount can act as a great support system for your recovery.

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(A) Death	Benefit opted
(B) Permanent Disablement	Such percentage of Benefit B as is specified in the Permanent disability Scale
(C) Temporary total disablement from attending to or following the Insured Person’s usual business or occupation	Benefit C per week during such disablement.
(D) Reasonable medical surgical hospital nursing home and nursing expenses fees or charges necessarily incurred whether disablement benefit is payable or not	The amount of such expenses but not exceeding benefit D

The sum insured is arrived at based on Occupation and monthly income
Age limit up-to 70 Years

Key Benefits

Principal Sum Insured up to RO. 5,000/- against Accidental Death or Permanent Total Disablement (PTD) due to an accident.
Optional coverage against Accidental Hospitalisation Expenses up to RO. 750/-
Accidental Hospital Weekly Allowance (25% of Total Monthly income per week).
Repatriation expenses (if required) up to RO. 350/-.

Key Exclusions

Claims arising from death, injury or disablement of insured person as a result of:

Any unlawful act or willful exposure to danger (other than in an attempt to save human life)
Medical or surgical treatment except where such treatment is rendered necessary by bodily injury within the scope of policy
Whilst under the influence of intoxicating liquor or drugs not prescribed by a qualified practitioner venereal disease or insanity
Pregnancy or child birth
Winter sports, rock climbing, mountaineering (which requires the use of ropes or guides), pot-holing, sky-diving, parachuting, association football or rugby football, ice hockey, riding on a motor cycle, motor scooter, moped or mechanically assisted pedal cycle (whether as driver or passenger), polo, steeple chasing, big game hunting or hunting other than on foot, racing of any kind other than on foot
Date Recognition Clause
All kind of Political Risks including but not limited to Terrorism and Sabotage
Contamination / Pollution Clause
Nuclear risks
Radioactivity Risks
Any direct or indirect loss by infectious disease, outbreak of epidemics and pandemics
Asbestos Exclusion Clause
Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons
War and Terrorism