15 Years from date of vehicle registration.

In case of a claim please contact the GIG Gulf claims department with:

• Royal Oman Police accident report or minor road accident report.
• Copy of vehicle license.
• Copy of driving license.
• Insured (and drivers if different from insured) contact address and mobile numbers.
• Policy number or policy copy.

If it’s a total loss:

• Damaged vehicle to be surrendered to company workshop and to be transferred as in name of GIG Gulf Salvage Buyer.

Yes, GIG Gulf provides quality network of approved repairers with 6 month guarantee on mechanical repair and 12 month guarantee on body repairs and paint jobs.

A number of factors are used to calculate Your Insurance Premium. Amongst these factors are the age of the driver, length of driving experience, claims history, value of the Vehicle and type.

GIG Gulf provides one of the highest levels of motor protection in the Middle East, combined with the security and service standards of a large international operation, 24-hour accident recovery, guaranteed repairs and extended opening hours. If You are being offered insurance cover from another source at a lower Premium, please make sure You do a cover to cover comparison and not just a Premium one.

Access to different types of medical providers, including hospitals, clinics, pharmacies, radiology, dentists and many more medical centers across the globe.

You can access the health provider locator on Bank Muscat website to locate the nearest providers in your area, with a map view, as well as doctors specialty types and full address details. Click here

All GIG Gulf health perfect plans provide you with a cover for pre-existing and chronic conditions started after your policy effective date, and from day one of your cover - sub-limited according to your chosen plan (existing medical conditions need to be declared on the application form).

Yes, you will get a cover for cancer treatment if the illness started and was diagnosed after your policy effective date. It is covered under the chronic condition limit specified according to the plan that you choose.

• Worldwide emergency medical assistance
  • International evacuation and repatriation services (24 hours a day, 365 days a year) .
  • International emergency medical assistance on regional and international plans.
• Health screen check-up, alternative medicine & psychiatric treatment
  • Up to a special limit depending on your chosen plan (refer to the plans schedule of benefits & comparison).
• Dental cover on selected health perfect plans
  • Routine dental cover such as consultation, extraction, composite and amalgam fillings, root canal treatment, scaling, bridgework and crowns (at a grade appropriate to restore teeth function only) and gum treatment.

• Damage to personal belongings due to fire, explosion, lightning, earthquake and falling of objects.
• Loss or damage to contents while in transit.
• Damage to your building due to fire, flood, accidental damage and other hazards.
• Loss of personal belongings, including valuables like jewelry, watches and laptops.
• As a tenant, damage that you accidentally cause to your landlord’s accommodation.
• Damage that you accidentally cause to any third party property.

The policy will offer protection against accidental bodily injury to your domestic helper, including death cover, medical and repatriation expenses.

• Your savings are invested in a portfolio that gives you access to the capital market.
• It is managed by an expert in order to stay within a defined level of risk.

In the unfortunate event of your passing, your beneficiary will receive the amount you were planning to save in GIG Gulf aspire.

• The premium you pay is invested into the capital markets via the chosen investment option.
• Investment options are managed by an expert to optimize the returns for a defined level of risk.
• The value of returns and benefits are linked to the performance of your chosen investment options.

In the unfortunate event of your passing, your beneficiary will receive at least 110% of the premium you have paid in GIG Gulf Optimum.

• Flexibility to make changes
  • You can make a full or partial surrender any time and without penalties for GIG Gulf optimum.
  • For GIG Gulf aspire, surrender charges are applicable in the first two years of the policy inception.
  • Freedom to move up to 12 times a year between investment options without any additional charges.
• Customized plans for your savings & investment
  • Choice to select the investment option that matches your individual risk preference
  • Choice to invest in funds managed by leading asset managers
• Protection for your family
  • Financial protection for your family in the unfortunate event of your death
• Transparency
  • Charges and costs are disclosed and are easy to understand

If something were to happen to you, your family's future has to be adequately secured and their lifestyle maintained. Life Protect Plus can support you in making up for lost income, ensuring your children's future education, providing care to an ageing family member, or settling outstanding financial obligations.

Customers between the ages of 18 and 65 are eligible for Life Protect Plus. It covers death from any cause and permanent partial or total disability from either an accident or illness.

Critical Illness and Accidental Death are the optional features accompanied with this plan. When added, they enhance the benefits of the product with a minimal increase in premium.

Yes, you have the option of selecting the payment method that best matches your needs. You can pay your premium on a single, monthly, quarterly, semi-annual, or yearly basis.

• Platinum and gold plans are available for individuals aged between 19 and 69.
• Silver plan is available for individuals between 19 and 75.

• Travel disruptions including flight delays, luggage delays, lost luggage and documents.
• Personal liability.
• Medical expenses, including hospitalization abroad.
• Accidental loss of life.
• Permanent partial or total disability.
• Emergency family travel.
• Worldwide cover, except in countries under international sanctions.
• Body repatriation in case of loss of life.

• Financial support to help cover costs of treatments or loss of income if diagnosed with one of the covered illnesses.
• Access to personalized second medical opinion from renowned medical centers specializing in serious conditions through WorldCare.

The plan is available for individuals aged between 18 and 64.

• Coverage up to 20,000 Rials Omani.
• Expert second opinion from renowned medical centers.
• Worldwide cover, except in countries under international sanctions.
• Option to go for a single or joint plan.
• Option to select one of two levels of cover.

• Heart attack
• Stroke
• Cancer
• Kidney failure
• Major organ transplant
• Multiple sclerosis
• Coronary artery by-pass graft
• Paralysis of limbs
• Blindness
• Loss of speech
• Deafness

• Financial support to help cover costs of treatments or loss of income if diagnosed with one of the covered illnesses
• Access to personalized second medical opinion from renowned medical centers specializing in serious conditions through WorldCare

the plan is available for individuals aged between 18 and 59.

• Unpaid sick leave: Employers in Oman typically only pay for 14-56 days sick leave
  
• Co-pay and deductibles: Most health insurance plans require some percentage of contributions from the insured for care.
  
• Out of network care: Health insurance plans typically restrict restrict treatment from specialost who are out of network.
  
• Treatment abroad: if required treatment abroad, there are hidden costs that your medical insurance won't cover such as flights and accomodation.
  
• Annual limits: Health insurance plans may have annual limits, which can be exhausted, when it comes to treatments of critical illnesses.
  

• It is an accident protection plan by MetLife
• It provides financial support against accidental loss of life or permanent partial / total disability
• It covers medical expenses in case of accidents

The plan is available for individuals aged between 18 and 64.

• Up to 30,000 rials Omani for accidental loss of life
• Up to 30,000 rials Omani for permanent partial / total disability
• Up to 1,500 rials Omani for medical expenses due to accidents
• Worldwide cover, except in countries under international sanctions
• Option to go for a single, joint or family plan
• Option to select one of two levels of cover

10 Rials Omani is applied on each accident.

• Accidental loss and damage.
• Restoration and repair cost.
• Replacement cost, if an item is lost.

the corporate collectors policy enables specialists to protect their corporate art collections with the following covers:

• Cover on an ‘agreed value’, with prior agreement on the values of the property insured.
• Cover for depreciation following loss or damage.
• Cover for loss or damage to the property insured.
• Cover for automatic acquisition for new additions.
• Cover for accidental damage.

Museums policy is designed to your preference, depending on whether your exhibits are owned by the museum or if they are on loan to/from one. covers include:

• Loss or damage to exhibit while at your premises.
• Exhibits temporarily removed from your premises.
• Fairs and exhibitions.

If you are a specialist dealer, you can avail a flexible plan tailored to your preferences, covering:

• Loss or damage to stock while at your premises.
• Temporary stock removal from your premises.
• Fairs and exhibitions.
• Basis of settlement set out in the schedule.

• Accidental loss and damage.
• Restoration and repair cost.
• Replacement cost if an item is lost.

• Accidental damage.
• Items temporarily removed from the collector’s premises.
• Depreciation.
• Defective title.
• Pairs and sets.
• Automatic cover for new acquisition.
• Emergency evacuation of the collection (cost of emergency evacuation).

• Loss of or damage to your boat.
• Search & rescue.
• Third party liability (only cover) to protect your interests towards third parties and guests onboard.
• Uninsured boater coverage.

Yes, the policy is fully customizable and can be adjusted to accommodate your own personal needs and preferred activities. for instance, we offer extension covers for activities such as water skiing, for motor boats, and racing, for sailboats, and this would apply to you and your beneficiaries.

• Clear and comprehensive product
• Simple underwriting process
• Instant cover tailored to your needs
• Local and regional trading limits
• Specialized assistance teams