• 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


Let us first express our sincere sympathies for the events that led you here, and wish you a speedy repair process. We will do our best to support you during this time and make the claims process as smooth as possible.

In the event of an accident, you, as the claimant/owner of the vehicle, can use the following process to apply for a claim.

    1. In the event of an accident, the first step should be to report the incident to the police and obtain a police report (as applicable in each Emirate).


    2. If your vehicle is not in a drivable condition, you can contact our 24/7 roadside assistance number 800035770000 (toll-free) to avail free towing service.


    3. Notify your claim by calling us at 800 405 or by sending an email to motorclaims@omaninsurance.ae along with the required documents. Our team is available 24/7 to serve you whenever you need our assistance. 


    1. Copy of the police report

    2. Copy of the vehicle registration

    3. Copy of the driving license

    4. Copy of the Emirates ID card


    1. Once all the required documents are submitted, you will receive a claim acknowledgement email from us with the details for the repairer.


    2. Drop your vehicle at the designated repairer's location. They will update you about the expected time required to complete the repairs.


    3. In case the repair condition is “Garage”, your vehicle will be allocated to one of the garages from our premium network.


    1. If the fault is attributed to your car, the deductible (as per your insurance policy) will have to be paid at the agency/garage at the time of taking delivery.


    2. In case the vehicle is a total loss, the claims staff will advise you of the relevant procedure to follow.


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.