takaful oman travel insurance

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Prices starting at just omr 36/yr.

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OUR PRODUCTS AND SERVICES

Group Family Takaful Plan (Group Life)

We at TOAI prioritize the well-being of your team. Our Group Medical Coverage is designed to provide comprehensive healthcare solutions …

Motor Insurance Takaful

Car insurance, also referred to as vehicle or motor insurance, serves as a vital financial shield against unexpected events and damages…

Travel Takaful Plan

We protect you financially from all the unpredicted losses that you may incur while on an international trip…

This Insurance provides financial security to domestic workers in case of accidents, injuries, or illnesses…

Life Insurance

Life is full of uncertainties, but your financial well-being doesn't have to be at risk. Life insurance is a financial safeguard …

Individual Credit Life

Acquiring a home or a car stands as one of the most significant financial investments individuals make, often necessitating bank Financing.

ISLAMIC WAY OF SHARING.

Our Vision is to be one of the leading Takaful companies in Oman by maximizing value to all stakeholders under a Shari'a compliant framework.

We promote Takaful awareness through offering innovative Shari'a compliant products and services that deliver exceptional value and are tailored to the specific needs of customers through a highly dedicated professional team.

WHY CHOOSE US?

FRIENDLY in our Approach

• With personalized care, we ensure that you feel like more than just clients. We tailor our services to your specific needs, preferences, and circumstances
• We are easily reachable and approachable through our wide network of branches, agents and a dedicated call center
• We maintain a culture of empathy and understanding, keeping in mind the importance of our customers' satisfaction

SPEED in our Process

• With our state of the art technology tools, we speed up processes. We believe in simplifying the necessary paperwork or online forms to minimize the time it takes to curate a coverage for you.
• To ensure a hassle free claims experience, we constantly strive to provide speedy claims processing, clear guidelines, and a dedicated team to handle claims promptly
• We continuously analyze our processes and gather feedback to identify bottlenecks or areas for improvement. Being agile and adaptive helps in enhancing speed while maintaining quality

FAIR in our dealings

• We ensure that you fully understand policies, terms, and conditions. We observe objectivity and fairness during claims processing.
• In case of disputes or disagreements, we have a transparent and efficient conflict resolution process to ensure that your complaints or issues are addressed promptly and fairly.
• We apply consistent standards across all customer interactions and communicate policies in simple, understandable language

INNOVATIVE in our actions

• Using cutting edge technology, we streamline processes. We have built user-friendly online portals that allow easy policy management, claims filing, and communication with agents or customer support

Token of Recognition

Latest Events

Takaful Oman Remains Committed to Empowering Human Capital through Engagement.

Takaful Insurance

Takaful is  a Shariah compliant  insurance  option grounded in Islamic Muamalat (Islamic transactions) products. ... The term  Takaful  also refers to the concept of Islamic  insurance  based on mutual cooperation, where both risks and funds are shared between  the  insured  and insurer.

The Difference Between Takaful and Conventional Life Insurance

Although essentially both Takaful and conventional life insurance serves the same purpose of providing coverage, there are major differences between the two as can be seen below:

Individual enters the agreement to contribute to a fund that can potentially help those experiencing the unfortunate situation. On the other hand, a conventional insurance policy is purchased as a personal financial security for an individual, and the insurance company is the risk bearer.

The conventional investment units of insurance will invest based on their assessment of what fits their profiles. However, Takaful investments will follow strict principles. Takaful cannot invest in anything that has elements of gambling, uncertainty or the practice of lending money at unreasonably high-interest rates.

If there is extra money because of low claim rates by insurers under Takaful, it will be distributed to participants. While the profits from investments will be distributed to both participants and shareholders. Takaful operators make money through performance fee or by sharing the surplus. But the total amount of payment from the surplus that Takaful operators get cannot exceed the amount that is paid to Takaful participants.

However, under conventional insurance, extra money and profits belong to the shareholders of the insurance companies.

The above is a brief information of the covers available under the Policy. Please request for a copy of the Insurer's Terms and conditions of the policy which shall be binding and considered as final basis for settlement of any dispute.

Top Travel Insurances for Oman You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Oman is an often-overlooked Middle Eastern country with unique landscapes such as its deserts, mountains, and the stunning Al Hajar Mountains. Although travelling to Oman can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Oman and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Oman Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Oman:

Best Travel Insurances for Oman

• 01. Should I get travel insurance for Oman? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Oman scroll down

Heading to Oman soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Oman?

No, there's currently no legal requirement to take out travel insurance for travel to or through Oman.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Oman or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Oman:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Oman. It lets you choose between various plans tailored to meet the specific needs of your trip to Oman, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Oman:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Oman? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Oman

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Oman. However, we strongly encourage you to do so anyway, because the cost of healthcare in Oman can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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The Company

Al Madina Profile

The company was founded as Al Madina Gulf Insurance Company SAOC, in 2006. With the historic introduction of Islamic Financial Services in Oman, Al Madina converted to Takaful Insurance Company on January 1, 2014 with registered name of Al Madina Insurance Company SAOG

The Company’s trade name ‘Al Madina Takaful’ symbolises a vision of harmony with its stakeholders.

Al Madina Takaful is among the top 5 insurance companies in Oman and is listed on the Muscat Stock Exchange (MSX). The Company is strongly capitalised, well above the regulatory minimum capital requirement.

Al Madina Takaful distinguishes itself by providing solutions appropriate to the needs of policyholders, superior customer experience, and being empathic to claimants during their hour of need.

Copyright - Al Madina Insurance Company SAOG, All rights reserved - 2024 Disclaimer & Privacy Policy

Takaful Oman Insurance SAOG

P.O. BOX 207, Postal Code 134, Taminat Complex, Building No 55/9 Street No 53, 6th floor, Al Ghubrah St Muscat, Sultanate of Oman

Phone : 00968 22701600

Fax : 00968 24699511

Email : [email protected]

Head Office Working Hours: Sunday - Thursday: 8:00 AM to 4:00 PM

Head Office Branch Working Hours: Sunday - Thursday: 8:00 AM to 5:00 PM

Call Center Working Hours : Sunday - Thursday: 8:00 AM to 8:00 PM

Phone : 00968 22303000, 22303016, 22303066

Send us a Message

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Travel Easy

• Back to travel insurance
• Affordable policy with easy enrolment     
• Custom-made plans for every requirement
• No waiting period for claims

Covid-19 is now covered under TravelEasy plan to ensure absolute peace of mind

Product Overview

The joy of travel is all about letting go of stress.  The joy of travel insurance is having a trusted partner take that stress for you.  TravelEasy from Sukoon is a comprehensive travel insurance plan packed with a long list of covers to protect you and your belongings when you're out and about. We have different plans catering to different types of travelers.  So, whether you're on a business trip, a family vacation or a leisurely holiday, we've got a great travel insurance plan for you. And each one comes with the peace of mind to simply go out and enjoy your family holiday or concentrate on your work during that business trip.

In case of emergency or hospitalisation overseas, you can reach out to our dedicated 24/7 global assistance helpline numbers. Please refer to the Policy Terms and Conditions  for more information.

Key Benefits

How to get insured.

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*Family Plan/Annual Family limits are per family

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Outbound Travel - Are my baggage/documents covered?

Outbound Travel - What does your Travel Insurance Cover?

Our Travel Easy policy covers you against the following:   • Cancellation Charges • Emergency Medical Expenses • Curtailment of Journey • Personal Accident Causing Death • Loss of Passport • Loss of Baggage • Delayed Baggage • Personal Money • Personal Liability • Missed Departure

Outbound Travel - Do you provide All Risk cover for personal effects?

Outbound Travel - Is my travel insurance plan valid on any airline, including “cargo” flights?

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Al Madina Insurance Company expands its reach with new Kiosk at Mall of Oman

Muscat: Al Madina Takaful, leading insurance company in Oman, has recently inaugurated its new kiosk at the Mall of Oman to expand its reach to the customers. The event was graced by Usama Al Barwani -Chief Executive Officer, Shakaib Mahmood- Deputy CEO and Aneesh Varghese- Head of Operations.

The new kiosk located at the Level 2 of the mall, represents a significant enhancement of Al Madina Takaful’s service network and channels, underscoring the company’s commitment to providing an exceptional customer service experience.

CEO Usama Al Barwani commented on the new launch, saying, “Al Madina Takaful’s expertise and steadfast dedication to providing industry-leading innovative insurance solutions are unwavering. To address the challenges of a large and segmented insurance market, we focus on providing an intuitive customer service experience. We continue our expansion through opening kiosks in more strategic locations to ensure easy access to our customers”

Deputy CEO Shakaib Mahmood added, “The opening of the new kiosk at the Mall of Oman is a testament to our ongoing efforts to enhance accessibility and convenience for our customers, further solidifying its position as a leading provider of innovative and customer-centric insurance solutions in Oman. Al Madina Takaful distinguishes itself by providing solutions appropriate to the needs of policyholders, superior customer experience, and empathetic support to claimants in their times of need.”

Head of Operations Aneesh Varghese highlighted the role of technology in shaping customer service, stating, “With advancements in technology, customer perceptions regarding service have changed dramatically. Today’s customers seek fast, convenient, efficient, and customized services. An insurance kiosk is a highly feasible solution for insurance companies to market their products and extend their reach. At Al Madina, we are always finding ways to make insurance easy. With conveniently located branches and kiosks, an efficient call centre, and user friendly web-based services, we ensure a seamless service to our customers.”

Al Madina Takaful is renowned for its exceptional performance in various aspects of the insurance industry. The company offers a comprehensive range of Shariah compliant insurance products, distinguished by professionalism, integrity, and exceptional service. Its product portfolio includes individual, corporate, life (family) and health Takaful products, covering areas such as travel, domestic workers, fire, engineering, energy, aviation, motor, liability, general accident, marine cargo, and pleasure craft Insurance. These services are delivered through its various distribution channels by its highly qualified and experienced professionals.

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