Yes, you can add spouse and children.

You can cover up to Four (4) children.

The plan is available for customers who are between the ages of 18 - 64 years, hold a valid Oman residence Visa and have Bank Dhofar relationship.

Your total policies should equal maximum OMR 150,000.

From 1 - 19 years or 23 years (if in full-time education).

OMR 5,000.

• Circle 1 (mandatory) - Loss of Life due to Accident (AD), Permanent Partial Disability due to Accident (PPD), Permanent Total Disability due to Accident (PTD).
• Circle 2 (optional) - Accident Disability Income (available for employed persons only).
• Circle 3 (optional) - Accident Medical Expense Reimbursement.
• Circle 4 (optional) - In-Hospital Income & Surgical Medical Expenses Reimbursment due to Accident or Sickness.
• Second Medical Opinion.

The risk of this insurance policy is underwritten by MetLife underwriting team.

Coverage begins once 1 st premium is paid.

Circles of Protection is Omani Riyal denominated product.

Enrollment is very easy; you do have to fill up enrollment documents. You can enroll for at any Bank Dhofar branches.

You can renew the policy till you attain the age of 65 years.

Circles of protection provides a 24 hrs worldwide accidental cover except sanctioned countries. Below mentioned is the current Sanctioned country list: (Subject to changes*)

•  Iran.
• North Korea.
•  Cuba.
•  Syria.
•  Crimea region

Please note that MetLife will NOT provide COVERAGE AND/OR PAYMENT under the Policy and/or any Supplementary Contract if the policyholder, insured, or person entitled to receive such payment is residing in any sanctioned country or claiming the payment for any services received in any sanctioned country.

Yes, there are Variances available, and you can choose the coverage as per your need.

The premium can be paid monthly or annual through your Bank Dhofar account.

A Grace Period of Sixty (60) days shall be allowed for the payment of premiums, during which period the policy will remain in force. If loss occurs during this 60-day grace period, the outstanding premium shall be deducted from the claim payment in settlement of this policy.

You can name the beneficiary or will be the legal heir according to the laws of the Sultanate of Oman.

Yes, as long as the home country is not a sanctioned country.

• Suicide, war, terrorist acts, pre-existing conditions, hazardous sports etc.
• Please refer the policy document for more details.
• If insured resides in any of the sanctioned countries*

*Sanctioned countries as of August 2024: Crimea
region, Cuba, Iran, North Korea and Syria (subject to
changes).

You can cancel the policy at any time. Notice of cancellation must be given in writing to

American Life Insurance Company (MetLife)

Al Manal Building, Block No.233,

Way No. 403, Building No.52, MSQ, Bausher,

Office 405 & 406 PO Box 894 PC 114

Jibroo Sultanate of Oman

For further inquiries you can contact the Toll-free number 80000700 or send an email to MetLife_DtC.Gulf@metlife.com

Once the cancellation placed it will take 2 to 3 working days to be updated as cancelled.

Once the claims request is submitted and approved the claims amount will be settled within 10 working days.

• The customer can terminate his policy at any point of time.
• The policy premium due is not paid within the Grace period.