About Personal Accident Plan (PAP)
Personal Accident Plan (PAP) is an ideal insurance that covers accidental death and repatriation. This is ideally suited for your employees like house maid/driver/office worker etc… at a premium of just OMR 10.000, while they can still work, earn an income and build the future.
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The PAP Insurance Policy – Table of Benefits
| Section | Benefit Covered by the Scheme | Sum Assured Payable on accidental death of the Life Assured |
| I | Death due to Accident | OMR 5,000.000 |
| II | Repatriation benefit as per the proposal form | Actual up to – OMR 500 |
Maximum Age at Entry: 68 for 2 years ; 69 for 1 year
| Section | Benefit Covered by the Scheme | Sum Assured |
| I | Death due to any cause(other than accident) | OMR 2,000 |
| II | Death due to Accident | OMR 5,000.00 |
| III | Permanent Total Disability due to accident | OMR 5,000 |
| IV | Permanent Partial Disability due to accident(as per % of disability) | OMR 5,000 |
| V | Medical Expenses due to accident | Actuals up to OMR 500 |
| VI | Repatriation Expenses of mortal remains | Actuals up to OMR 500 |
| VII | Air Ticket cash grant for medically unfit permanent disabled | OMR 150 |
- Can be administered through the Embassies of different nations for their respective nationals
- This product can be a part of visa regulations of Sultanate of Oman
Maximum Age at Entry: 63 for 2 years ; 64 for 1 year
- Personal Accident Plan for Individuals
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Section Benefit Covered by the Scheme Sum Assured Payable on accidental death of the Life Assured I Death due to Accident OMR 5,000.000 II Repatriation benefit as per the proposal form Actual up to – OMR 500 Maximum Age at Entry: 68 for 2 years ; 69 for 1 year
- Personal Accident Plan (PAP) for Embassies
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Section Benefit Covered by the Scheme Sum Assured I Death due to any cause(other than accident) OMR 2,000 II Death due to Accident OMR 5,000.00 III Permanent Total Disability due to accident OMR 5,000 IV Permanent Partial Disability due to accident(as per % of disability) OMR 5,000 V Medical Expenses due to accident Actuals up to OMR 500 VI Repatriation Expenses of mortal remains Actuals up to OMR 500 VII Air Ticket cash grant for medically unfit permanent disabled OMR 150 - Can be administered through the Embassies of different nations for their respective nationals
- This product can be a part of visa regulations of Sultanate of Oman
Maximum Age at Entry: 63 for 2 years ; 64 for 1 year
THE MAXIMUM AMOUNT PAYABLE BY THE COMPANY ON DEATH DUE TO ACCIDENT ONLY SHALL BE OMR 5,500
Who are eligible to buy our Personal Accident Plan (PAP)?
| Minimum age at entry | 14 days |
| Occupational eligibility | Members of the Navy, Army, and Air Force are not eligible for this policy |
| Geographic Scope | Accidental benefit coverage is only for events which take place in Oman |
| Premium 1 year | OMR: 10.000* |
| Premium 2 years | OMR: 15.000* |
*Inclusive of taxes
Disclaimer: The above information is just indicative in nature and for more details on the coverage, terms and exclusions please read insurance policy.
General Exclusions
- Suicide and intentionally inflicted wounds
- War and war like operation, nuclear fission
- Hazardous activity (scuba diving, fast racing, parachuting etc.)
- Mental illness & HIV tested positive (AIDS)
- Misuse of drugs and alcohol
- Disease or injury before the policy inception
Giving wrong information in application form may lead to rejection of claims or benefits. Also, the insured does not suffer from COVID-19 disease while purchasing the policy.
*Refer to the Personal Accident Plan Terms and Conditions for further details.
How to Buy:
How Personal Accident Plan (PAP) will help?
Why National Life & General Insurance Co. SAOG (NLG)
- More than 190 sales/service touch points
- Swift and easy procedures
- Competitive rates
- In-house claims processing with a peace of mind
- Hassle free policy issuance
How to Submit your Claim
We are there for you as your Trusted Insurance Partner when you need us the most. To make it simple and easy for you, we offer an easy claims submission process for a smooth and time-saving experience. Check NLG Claims process here.
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