Travel Insurance FAQ
Who is eligible for this Insurance?
Residents of AGCC.
Can the policy be cancelled at any time?
There’s a 14 day cooling off period. You can return the certificate within this period for a full refund of premium, provided that you have not travelled, made or are intending to make a claim.
Does the policy cover people over 65 yrs, or children under 16 (travelling alone)?
No.
Is annual cover available for frequent flyers?
Yes, for AED 1300.
What emergency medical expenses cover does it provide?
Those arising from sudden and unexpected accidents and illnesses. It is not a general health insurance policy.
What is the maximum duration of a trip under the policy?
60 days.
If I fall sick abroad, will the insurance company directly settle the hospital bill, or will I have to pay and then claim re-imbursement?
You must immediately call our 24 hour Worldwide Emergency Medical Service run by Voyager Assistance on (0044) 20 8466 9191. Advise them you are insured with Oman Insurance Business & Holiday Insurance Scheme, quoting your policy reference. If the condition is very serious, you must try to call the helpline as soon as possible after going into hospital as failure to do so could invalidate your claim.
If I fall sick abroad, can I go to any hospital or only specified hospitals?
You can go to any hospital, however you should keep Voyager Assistance informed accordingly, or alternatively, follow their professional advice.
What do you mean by ‘excess’?
It’s the amount to be borne by the insured when claiming - eg, in a claim for USD 1000 with an excess of USD 50, the insurance company would pay USD 950.
Can I claim if my trip is delayed, cancelled or curtailed due to a lost passport?
Loss of passport can be claimed only under the Loss of Passport section. Any delay, cancellation or curtailment due to the loss of passport is not covered under the policy.
On what basis will my lost baggage be valued?
You must provide an invoice for its value. Original invoices have to be submitted as supporting documents.