Know About the Exclusions in the Comprehensive Personal Plan

Our helpers are the reason we can live in a hassle-free manner. They take care of our homes and businesses and help us flourish. One must extend praise and appreciation whenever possible. Acknowledgement and dignity are vital for their contribution to our lives.

One of the best ways is to do so by availing a Comprehensive Personal Plan (CPP) for them. But it is important to have sound knowledge beforehand, and this includes policy exclusions. This will help you offer the best financial protection to their families, in case of any eventuality. Below is some useful information.

Exclusions of the Plan

Learn under what conditions, the policy might not extend coverage. This can help you make a better decision. It can also avoid surprises down the line.

  • War and war-like situations in the country
  • Misuse of alcohol or drugs
  • Diseases or injuries before the policy inception
  • Hazardous activities like (scuba diving, parachuting, and fast racing)
  • Suicide and intentionally inflicted wounds
  • Mental illness and HIV tested positive (AIDS)

Also note that employees in the Navy, Army, and Air Force are not eligible for the plan. Accidental benefit coverage is only applicable for events taking place in the Sultanate of Oman. Anyone below 18 years or above 54 years cannot apply for the comprehensive personal plan.

The policy will not come into effect unless the premiums mentioned are paid in full in Omani Rials by the insured person and received by the company.

Make sure to read the terms and conditions well before applying for a plan. You can also get in touch with experts to guide you through the process and help make an informed choice.