• Contents
• Public liability
• Workers’ compensation
• Employer’s liability

Businesses that professionally provide consumer-facing services, such as consulting, banking and healthcare, can avail service policy with the following add-on covers:

• Personal accident
• Computer breakdown
• Professional indemnity
• Directors & officers
• Office money
• Building
• Money in transit
• Fidelity guarantee
• Business interruption
• Portable equipment

Retail-related business activities, handling merchandising, can opt for the following add-ons:

• Personal accident
• Stock
• Personal effects
• Computer breakdown
• Professional indemnity
• Directors & officers
• Loss of gross profits
• Office money
• Building
• Money in transit
• Fidelity guarantee
• Goods in transit
• Product liability
• Business interruption
• Portable equipment

Industrial business covers focus on the primary activities of any business function, ranging from manufacturing-related tasks to supplying components for use by other firms. optional add-ons with the policy include:

• Personal accident
• Stock
• Machinery breakdown
• Computer breakdown
• Professional indemnity
• Directors & officers
• Loss of gross profits
• Office money
• Building
• Money in transit
• Fidelity guarantee
• Product liability
• Business interruption
• Portable equipment

• Loss of personal baggage, personal money & passport
• Emergency medical & transportation expenses
• Personal accident compensation
• Baggage delay
• Delayed departure

• If you fall sick or get injured accidentally during the trip, you can avail emergency medical expenses
• If you need medical treatment outside of the destination you are in, transportation expense will be arranged and covered

• Accidental injuries
• Death during the trip

An allowance for the purchase of essentials, limited to clothing, toiletries and medication, is offered to cover delays of 12 hours or more in the arrival of baggage at the destination point.

Delayed departure due to unexpected events, such as:

• Strikes
• Adverse weather conditions
• Mechanical breakdown
• Technical fault

The group personal accident insurance provides a lump sum that can contribute to any costs your employees may face as a result of any accidents or to help their families in case of death of the employee.

Accidents/incidents occurring in the workplace, during working hours, or outside working hours, are covered 24/7 with worldwide protection.

• Death
• Permanent total disablement
• Permanent partial disablement
• Repatriation

Although hospital bills incurred in an accident are generally covered by health insurance, the group personal accident policy also gives you an additional lump sum amount, which covers the repayment of medical, surgical or hospital fees incurred as a result of an accident.

The plans cater to three main areas of cover - local, regional and international.

• Comprehensive plans are available with local and international medical providers, including hospitals, clinics, pharmacies, medical centres, radiology centres, dentists, optical centres and others around the world.
• The list of providers within the network are available on the bank muscat online provider locator.

Pre-existing and chronic conditions diagnosed after the effective date of the policy are covered. however, it is very important that you fully declare any existing medical conditions on the application form.

Additional benefits to the existing policy include wellness (health check-up), alternative/complementary treatment, maternity, dental and psychiatric treatment. These benefits can be included in the insurance cover, up to a special limit, according to the plan.

If your employee and their dependents are unable to receive treatment locally, the bank will arrange for them to be taken to the nearest place with available treatment.

There is no monetary maximum limit per claim when uploading the claim through the portal for large amounts however, an original document may be requested

The online portal can be accessed for easy addition/deletion of employees for large corporations.

• AXA offers extensive bespoke plans for in and out-patient treatment, along with maternity, dental, optical, wellness and core benefits covers
• The plan can be fully customised by selection between local, regional, international areas of cover
• Select between the different levels of networks, including hospitals, clinics, pharmacies and diagnostics centres. the providers are spread across the region and internationally
• Pre-existing and chronic conditions are covered under the corporate plans

Log into the AXA online provider locator and you can search the directory of hospitals, clinics, and other providers. alternatively, call the customer care team. please remember to take your AXA medical card with you when you go for treatment and ask your hospital, medical practitioner or clinic about direct billing if this has not already been confirmed.

• 24/7 Helpline for members and providers, along with international emergency medical assistance (IEMA) for regional and international plans
• Online reimbursement claims portal for submission of reimbursement claims
• Strong servicing capabilities via our 24/7 operational platform

When you need treatment, the AXA customer care team will help you arrange your treatment plan. we appreciate that in case of an emergency, it will not be practical or possible for you to contact AXA for prior approval. in circumstances like these, we ask you to get in touch with the customer care team at least 24 hours after treatment has been sought, so that AXA can confirm whether treatment is covered and arrange a direct settlement with your provider, in case it is a provider within your selected network.

Yes, we do have an online portal for day-to-day additions and deletions and access can be provider to dedicated HR personal.

There is no monetary maximum limit per claim uploaded through the portal, however please retain all the original document, which may be requested by AXA for audit purposes.

In the event of accidental loss or damage to your building, property, fittings and fixtures, machinery, furniture, or stock, the property insurance will cover the financial costs and the subsequent loss of profits that arise from the situation.

• Fire & allied hazards insurance
• Property all-risk insurance
• Consequential loss of profit insurance

It is a comprehensive protection against fire, lighting, storm, hurricane, earthquake, flood, impact damage, etc.

• Building
• Furniture, fixtures and fittings
• Plants and equipment
• Office equipment
• Stock in trade from raw materials to finished products

The property all-risk insurance protects your business assets against all natural disasters and accidents. the policy is usually issued on an annual basis.

• Risk engineering consultancy services to clients
• Competitive pricing to give your business maximum value for money and rewarding your good claims experience
• Standard cover combined with a complete set of optional extensions specific to your activity.

• The business interruption policy is designed to restore the business (if your business incurs a loss) to the same financial position before the loss occurred
• The interruption period starts from the date of the loss (deductible 2 weeks) and extends to when the business’s turnover and profit levels are back to where they would have been before the loss
• The policy is tailor-made to meet your requirements and to ensure that you can add many extensions and options to your basic cover

The policy cover loss of gross profit following material damage as a result of fire, lightning, storm, hurricane, earthquake, flood, impact damage or other insured peril at your premises.

• Flexibility to design the policy as per your needs
• Coverage extension to include professional accountant’s charges and claims preparation expenses.

The worker’s compensation policy covers the cost of recovery, wage replacement and medical benefits.

• To breed goodwill among employees
• Discourage them from proceeding to take legal action in the event of an injury

In the event of occupational death, the bank will provide the family of the deceased 24 months of the worker's last remuneration, before the unfortunate event of his/her death.

The bank will cover the costs of medical treatment and any aid required.

The employees will receive a cash allowance for the duration they are unable to come to work for.

The policy covers injuries or accidents, which happen outside duty hours and within the work-place, in line with the benefits payable under the labour law.