The critical illness benefit is only paid out on first ever diagnosis of a covered Critical illness.

• Major cancer
• Stroke
• Heart attack
• Coronary Artery Bypass Surgery
• End stage Kidney Failure
• Major Organ Transplant
• Multiple Sclerosis
• Paralysis
• Loss of Limbs
• Coma

In the event of the insured person being diagnosed with one or more of the critical illness covered hereunder and arising out of a cause not specifically excluded under this policy, after the commencement Date and during the policy period, the company shall indemnify the insured person the coverage amount as per the plan selected by the insured person at the time enrolment in accordance with the terms and conditions of this policy.

From OMR 10,000 to OMR 80,000 (in multiples of OMR 10,000).

All Omani nationals and residents holding valid residence visa aged between 18 and 60 years.

5 years

Yes. If for any reason you think the policy is not right for you, you will have 30 days to let the company know that you would like to cancel the policy and receive full refund of the contribution amount you have paid. The company reserves the right to decline a second application following the cancellation of the first application under this plan, from the same covered person.

From the day the company has received the signed completed application form with first contribution receipt.

Immediately or within 30 days after the date of death of the insured person.

No health checkup is required.

• 24x7 worldwide coverage.
• Up to OMR 100,000 cover in respect of death due to accident or sickness.
• Hassle free enrolment – no medical test or examination is required.
• Policy Term from minimum 2 years and upto 10 years.

* Terms and conditions apply

Death due to any cause (Accident / Sickness / Natural Causes)

Sum Cover Options – OMR 25,000 / OMR 50,000 / OMR 75,000 / OMR 100,000

Death due to accident:

• 100% of Sum Cover from day one.

Death due to sickness:

• 0 to 12 months : 20% sum insured, subject to a maximum of RO 20,000
• 12 months to 18 months: 60% sum insured, subject to a maximum of RO 60,000
• 18 months plus : 100% of sum insured

All Omani nationals and residents holding valid residence visa aged between 18 and 60 years.

The coverage is worldwide.

This plan is independent of other insurance plans taken by the Insured person.

No health checkup is required.

2 years minimum and upto 10 years.

Yes. If for any reason you think the policy is not right for you, you will have 30 days to let the company know that you would like to cancel the policy and receive full refund of the contribution amount you have paid. The company reserves the right to decline a second application following the cancellation of the first application under this plan, from the same covered person.

• FREE Personal Accident Benefit Cover up to 7 passengers.
• FREE UAE Cover.
• FREE Dealer Repair in first Year of Registration.
• Dealer Repair Option up to 3 years from the vehicle’s first registration at an additional nominal cost.
• Comprehensive cover provided for vehicles up to 7 years old.
• Car Replacement benefit up to 15 days, in case of accident of the covered vehicle. *
• Car Pickup and Delivery to Authorized Agency for Routine Maintenance once a Year. *
• Annual Worldwide Travel Takaful Cover for Unlimited Trips. *
• Hafawa customers have the exclusive privilege of availing the Dealer Repair option up to 5 years.

* Terms and conditions apply

Takaful, is a form of Insurance managed in a Shari’a compliant way. The risk is shared and not transferred as in conventional insurance. Takaful consists of Mutual Guarantee and Mutual Assistance where the participant’s Takaful fund bears the risk for each participant. Takaful is risk sharing, not transferring of risks it does not cover risks not permissible by Shari’a. The contributions collected from the participants are considered as donations and they constitute the Takaful Fund from which all claims and expenses for managing the fund are reimbursed. At the end of the financial year, after all expenses are deducted, the surplus will belong to the Participant (policyholders). The distribution of the surplus is carried out in accordance with principles approved by the Shari’a Board and is applicable to people who contribute.

Yes, you can insure as many vehicles as you wish under this arrangement.

Yes, the customer can insure the financed vehicle under this arrangement and can be booked from any of Meethaq’s branches.

We will contact you to renew the insurance by visiting the any of our branches before expiry of the car registration, in case the car registration has expired we will need to see the car and take pictures.

Claims are the responsibility of Takaful Oman and can be facilitated by Meethaq Islamic Banking.
To make a claim kindly contact the below:

Help Line Numbers (8 am to 5 pm): 00968 22303000 / 22303068
Customer Care Number (8 am to 7 pm): 00968 92287176
email: info[a]takafuloman.om

• Car Mulkiya / Stamped dealer papers (in case of a new car).
• Valid driving license.
• Filled proposal form (to be signed at the branch)

No, only Omani registered / purchased cars can be insured under this arrangement.

Irrespective of the car value the minimum contribution is RO 110 per vehicle.