• Make A Claim

    As a customer-centric insurer operating in the region for more than 45+ years, we understand the kind of support our customers expect from us when making a claim. This period, we believe, is the most important part of our relationship with our customers.

    Which is why we have incredibly streamlined our claims process. This page contains all claim-related information and documents across categories.

    To make a claim, select the relevant category below. Read on to understand the procedure for intimation, submission, and the information we'll need from you to get the claims process started.

Life

Select the type of Life Claim process that you'd like to know more about from the following choices.
  • Critical Illness and Accident Claim Process
    Use the following link to learn about our Critical Illness Claim procedure. Learn how to intiate your claim, collect the relevant documents to be submitted and download the OIC claim documents to be filled.

    Click here

  • Life Easy Claim Process
    Use the following link to learn about our LifeEasy Claim procedure. Learn how to intiate your claim, collect the relevant documents to be submitted and download the OIC claim documents to be filled.

    Click here

  • Death Claim Process
    Use the following link to learn about our Death Claim procedure. Learn how to intiate your claim, collect the relevant documents to be submitted and download the OIC claim documents to be filled.

    Click here

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Health

We would like to express our sincere sympathies for the events that led you here, and also wish you a speedy recovery. We'll do our best to support you in this difficult time, and make the claims process as smooth as possible.

If you are the claimant, you can use the following process to apply for a claim.
  • CLAIM SUBMISSION

    Download your claim form from the "Download Forms" section on this page, fill it up and submit it online, in person or through courier.

     

    Remember - one claim form per person. Family members must apply individually.

     

    Please submit the claim forms as soon as possible, but within 90 days of treatment to ensure timely processing. Both you and the attending doctor must fill in the claim form for each individual visit or course of treatment. 

     

    Along with your form, make sure you include all the required supporting documentation as mentioned in the Summary Table of Invoices that comes attached with your claim form. You can also include your International Bank Account Number (IBAN) for faster claims payments.

     

    Ensure that you have retained a copy of the form, the summary table and original invoices and reports for your reference.

     

    Before you submit your claim, make sure you have also reviewed the Table of Benefits section in your policy document to understand what's included and excluded from your policy. This can help avoid rejections.

     

    Online Submission

     

    Click here to submit your claim online. You can also use our mobile app for easy claim submission.

     

    Physical Submission

     

    Deposit your claim at your HR department, broker or at one of our branches.

     

     

    Courier

     

    Send your claim by mail to:
    Medical Claims Department,
    Oman Insurance Company,
    Level 3, Al Rigga Business Centre,
    Al Rigga Street, Deira
    PO Box 5209, Dubai, UAE

  • DOCUMENTS REQUIRED

    You will need to submit the following documents for us to start processing your claim. For claims above AED 1,500, you will need to submit the original documents. For online claims submissions for less than AED 1,500, you need not submit any physical copies.

     

    • Completed, stamped and signed Reimbursement Claim Form
    • Original invoices/bills showing payment confirmation
    • Medical and/or lab test reports
    • All claims submitted must be in original & translated to either English or Arabic for the settlement
    • Healthcare insurance card copy of the claimant
    • Summary table of invoices from the Reimbursement Claim Form completed

  • CLAIM SETTLEMENT

    We try our best to pay all eligible claims within 3 weeks of submission of the form.

    Please remember -
    You will be reimbursed as per the customary prices in our network. This means that if your doctor charges a general consultation fee of AED 400, when the average consultation fee is AED 250 in your applicable network, we will reimburse you on the basis of AED 250.

    Moreover, if co-insurance is mentioned in your table of benefits, it applies in addition to your network deductible. We usually apply a 20% co-insurance. So, in the above example, if your network deductible is AED 50, we will apply 20% co-insurance on AED 200, and reimburse AED 160.

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