Yes, you can add spouse and children and you will be entitled to 10% discount on the spouse premium and children are free of charge.

You can add 8 children for free and 5 can be covered under this plan.

The plan is available for customers who are between the ages of 21 to 70 years, hold a valid Oman residence Visa and have Bank Dhofar relationship.

Your total cover in all Critical illness policies should not exceed maximum OMR 750,000.

From 0 to 20 years old.

OMR 7,500.

Health Declaration form is required for overage members and late additions to the policy.

• Critical Illness benefit: Benefit payment will be severity-based and the amount payable (as a % of coverage amount) will vary depending on the critical illness category and tier of the claim.
• Waiver of Premium: in case of Total Temporary Disability due to Accident or Sickness and Involuntary Loss of Employment.

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

Coverage begins after the 90-day waiting period ends.

Yes, a survival period of 14 days applies.

Critical Illness Care plus 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 75 years.

Critical Illness Care Plus provides 24 hrs worldwide 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 requirement.

The premium can be paid monthly, Quarterly, semiannual and 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.

You or your Beneficiary can submit the claims request through the MetLife website. After receiving the request one of MetLife’s claims representatives will coordinate with you to process the claim.

https://www.metlife.ae/en/individual/supportcentre/ make-a-claim/

or send email to: LifeClaims@MetLife.com

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.
• The customer reaches 75th birthday or the selected Plan term.