Who’s covered?+
You can get coverage by subscribing to the Policy if you are a FRiENDi mobile customer, active for the last 2 days
and a Citizen or Resident of Oman between 18 years to 55 years as on your last birthday.
To subscribe to this Policy, just dial *380# from any mobile containing your FRiENDi mobile SIM and select the
coverage option you want.
What is the amount I’m covered for?+
You have the option to be covered under the Policy for up to OMR 2,000 or OMR 4,000.
For how long is the cover active?+
Your Policy coverage is active for 30 days from the date you first enrolled in the Policy via SMS.
Is the enrolment continuous?+
Yes, your FRiENDi mobile account will be charged every 30 days depending on the cover you choose, unless you
choose to Opt-Out or for some reason there is no adequate balance in your account.
How can I Opt-Out?+
If you decide to stop your insurance coverage, just dial *130*3# from your FRiENDi mobile SIM to cancel your auto
renewal. Your coverage will end on the last day of your current coverage period.
What is an Accident Cover?+
We protect you in the event of sustaining bodily injuries resulting solely and directly from an accident caused by
EXTERNAL, VIOLENT & VISIBLE means, resulting in death or permanent total disability within 30 days of the
accident.
What is Permanent Total Disability?+
Any bodily injury that totally, irrecoverably and absolutely prevents you from engaging in any kind of occupation.
For example, total and irrevocable loss of a limb is also called Total Disability.
Who is the insurance provider?+
What type of accident and permanent total disability events are covered?+
An accident may include events like:
- Rail / road / air accident
- Injury due to any collision/fall
- Injury due to bursting of gas cylinder
- Snake bite, dog bite or any serious animal attack
- Burn Injury, drowning, etc.
- Occupational hazards
- All external, accidental means beyond your control.
All of the above must lead to accidental death and or permanent disability, however this list is only illustrative and
not exhaustive.
What type of events are excluded?+
- Free Climb Mountaineering or Mountaineering and rock climbing using ropes or guides, bungee jumping,
scuba diving or free diving and High Diving (other than from a purpose built diving board over a man-
made swimming pool).
- The following activities are excluded, if conducted on professional basis:
Big Game Hunting, Jousting, Martial Arts, Micro-lighting, Motor Rallies or Competitions, Show Jumping
(during horse riding), Water Ski Jumping, Wrestling or any variations thereof.
- Engaging in or taking part in any naval, military or air force operation
- Losses sustained or contracted in consequence of a named insured being intoxicated or under the
influence of any narcotic or drug unless administered on the advice of a physician.
- Suicide.
- Participation in, or training for, any hazardous sport of competition or riding or driving in any form of race
or competition except in the case for leisure / pleasure.
- For disability
- Attempted suicide or self-inflicted injury whilst sane or insane.
- Any breach of the law by the Member of any assault provoked by him
- Accidents caused by the use of intoxicating liquor or drugs, other than drugs taken in
accordance with treatment prescribed and directed by a qualified medical practitioner,
but not for the treatment of drug addiction.
- Aviation, gliding of any other forms of flight other than as a fare paying passenger of a
recognized airline or charter service.
- Involvement in any professional underwater activity.
- Injury caused by nuclear fusion, nuclear fission or radioactive contamination.
- Serving in any capacity for any military forces (navy, army or air force).
What documents must be submitted for a claim?+
For permanent total disability:
- Completed claim form
- Registered Doctor’s Medical Report
- Original Disability Certificate from a Competent Medical Board stating the percentage of disability
- Admission/discharge card with complete medical records including lab reports
- Omani Citizenship or Residency Proof
For accidental death:
- Completed claim form
- Police report copy
- Death certificate
- Post-mortem report
- Omani Citizenship or Residency Proof
How soon should you be sending your claim to us?+
Any claim needs to be submitted within 30 days of an accident to claims@orient.com and should include details about your coverage ID along with your phone number.
You will find your coverage ID in the confirmation SMS you received when subscribing to this policy.
Are minor injuries covered in this Policy?+
No. Only accidents leading to death or permanent disability are covered under this Policy.
Are there any territorial restrictions applicable to this Policy?+
No. The coverage under this Policy is WORLDWIDE subject to certain exclusions. Any claims however will be paid
out in Omani Riyals only.
How can we get a claim benefit payout?+
Validated claim benefits under the Policy will paid to the beneficiary account via a wire transfer or cheque in
Omani Riyals
Are any hospitals covered under this Policy?+
No. This is only an accident and permanent total disability policy. This Policy is not a health or medical policy.
What if I have multiple SIM Cards or multiple enrollments?+
The maximum amount payable per life is OMR 4000 irrespective of multiple SIM cards. You may only enroll once
under the Policy.
Will you share any of my information with the insurance provider? +
By opting into the Policy you explicitly agree that we may share with the insurance provider your coverage ID, date of enrolment, coverage option, and confirmation that you were an active subscriber on our network if/when a claim arises for which you claim a benefit under the Policy.
Your coverage ID is a unique subscription number that is automatically generated when you opt into the Policy and will be sent to you via SMS.
You are solely responsible for submitting the required information, which may include your personal information and any claim related information, directly to the insurance provider.
