• Convenient Claim Submission

    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


You can conveniently submit, track and manage your medical claim through our online portal or mobile app. We have provided all details regarding the claim process below. Further, you can click here to get the contact details of your nearest Oman Insurance branch.


    Download the claim form by clicking here . You may submit the form in any one of these ways:


    You may submit the completed form online by clicking here or through the myOIC mobile app


    It can also be delivered to any of our branches or dispatched through your broker 


    Couriered to the below address:

    Medical Claims Department,
    Oman Insurance Company,
    Omar Bin Al Khattab Street, Next to Al Ghurair Mall,
    Deira, PO Box 5209
    Dubai, UAE


    Retain a copy of all the documents submitted for your future reference.


    Send the following documents to service@omaninsurance.ae along with a completed, stamped and signed 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 require the original versions of the above documents for claims above AED 5,000.

    We may ask for additional documents as and when they are required for the claim processing.


    Make sure that the form is submitted within 90 days of the treatment to ensure timely processing. Both you and the attending doctor must fill the form for each visit or course of treatment.

    Remember that only one claim submission is allowed per person and therefore, family members must apply individually.

    You can include your International Bank Account Number (IBAN) in the form for faster payment processing.


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

    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 only reimburse the AED 250.

    Moreover, if applicable, co-insurance will be levied along with your network deductible. The usual co-insurance rate stands at 20%. So, in the above example, considering that your network deductible is AED 50, we will apply 20% co-insurance on AED 200, and reimburse AED 160.

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Please 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
    Learn how to submit your critical illness and accident claim and about all stages involved in the claims process.

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  • Death Claim Process
    Learn how to submit a death claim and about all the stages involved in the claims process.

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  • Group Life Disability Claim Process
    Learn how to submit a group life disability claim and about all the stages involved in the claims process.

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