• Convenient Claim Processing 

    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. This page contains all claim-related information and documents across categories. 

    • AED 2 billion in claims paid every year
    • Super fast claim processing and payment
    • Winner of Customer Satisfaction & Happiness Award 2020


We'd like to express our sympathies for the event that led you here. We will do our best to support you in this difficult time, and make the claims process as smooth as possible.

You can use the following process to apply for a home insurance claim.

    1. Before you intimate us of your claim, check your policy schedule and policy wording to see whether the loss or damage is covered and if any specific evidence is required.


    2. Read the Policy Conditions and General Exclusions and follow any instructions given.


    3. Inform the police within 24 hours, if the property has been stolen or maliciously damaged or you lost a valuable item.


    4. Contact our Claims department: 

    Tel.: +971 4 233 7463/464 or our UAE toll free number 800 4746
    Email: nmcoic@omaninsurance.ae


    5. When you contact us, you will be prompted for your policy number as stated in the Policy Schedule. So, please keep this ready.


    6. You will need to:
    - Request a claim form and the completion instructions
    - Give brief details of the loss circumstances


    1. Complete, sign and return the claims form with the appropriate documents, which include, but are not limited to, receipts, police reports, and any other documents we may ask you to provide within fifteen days (15) of making the original claim.


    2. If someone is making a claim against you for any injury to them or damage to their property, you must send us full details, in writing, as soon as possible. Any letters or documents you receive should be sent to us, unanswered, without delay. It is important that we deal with the matter on your behalf.


    The following is an indicative list of documents that would be required to assess the loss. The list is by no means exhaustive and the company reserves the right to seek any additional information/documents as may be required:


    a. Police / Fire Brigade / Met report etc. as appropriate
    b. Invoices, original receipts, valuation reports, etc. for insurance and to establish value of loss
    c. Official documentation relating to the insured or the item
    d. Quotation(s) for repair or replacement
    e. Salvage estimates where applicable


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.

    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.





    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


    You will need to submit the following documents for us to start processing your claim. For claims above AED 5,000, you will need to submit the original documents. For online claims submissions for less than AED 5,000, 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


    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.