Life & Personal Accident Insurance
Protect the people who depend on you. Compare life cover and personal accident plans from leading insurers in Oman, and choose the amount and term that fit your family’s needs.
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- Leading insurers compared
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Get your life and accident cover quote
Tell us how much cover you need and one of our advisors will come back with options from leading insurers.
- Life cover for your family
- Accident protection, 24 hours a day
- Clear advice on sums and terms
or call +968 7250 0052
Insurance products are offered by Trade Links Insurance Services SPC (Licence no. 47/B) in partnership with leading insurers.
Compare plans from leading life and personal accident insurers
- Al Madina Insurance Company
- Dhofar Insurance Company
- GIG (AXA) Insurance
- Liva Insurance
- Oman United Insurance Company
- Takaful Oman
- New India Assurance
What is Life & Personal Accident Insurance?
Life insurance pays a lump sum to your family if you pass away during the policy term, helping them with living costs, education and debts. Personal accident insurance pays out if an accident causes death or permanent disability, and some plans also pay for medical costs and time off work.
You can choose the amount of cover and the number of years, and many people combine the two. Takaful plans are also available for those who prefer a Sharia-compliant option. We explain the options and help you compare them side by side.
Who it’s for
- Parents and main earners in a family
- People with loans or long-term commitments
- Self-employed people without employer cover
- Anyone in an active job or who travels often
Why choose Life & Personal Accident Insurance with Trade Links
We help you choose the right amount of cover and stay with you if your family needs to claim.
Get your Life & PA quoteProtect your family’s income
A lump sum that helps your family keep up with living costs and plans.
Accident cover around the clock
Personal accident cover applies at work, at home and when travelling.
Choose your term
Pick the number of years and the cover amount that suit your plans.
Takaful options
Sharia-compliant plans from takaful insurers in Oman.
Help when your family claims
We guide your family through the documents and the claim.
Affordable premiums
Compare options so you get meaningful cover at a fair price.
What’s covered
Typical features. Exact cover, limits and exclusions depend on the insurer and the plan you choose.
Usually covered
- Death from any cause during the policy term (life cover)
- Accidental death
- Permanent total or partial disability after an accident
- Medical expenses after an accident, where included
- Weekly benefit while you cannot work after an accident, where included
- Optional cover for critical illness, where offered
Usually not covered
- Suicide or self-inflicted injury within the waiting period set by the policy
- Pre-existing conditions not declared on the application
- Injury during hazardous activities, unless declared and accepted
- Accidents under the influence of alcohol or drugs
- War, terrorism and similar risks, unless covered by the policy
Frequently asked questions
What is the difference between life and personal accident insurance?
Life insurance pays if you die from almost any cause during the term. Personal accident insurance only pays for death or injury caused by an accident, but it can also cover disability and medical costs.
Ask an advisorHow much life cover do I need?
A common starting point is several years of your income plus any loans you would want paid off. We can help you work out an amount that suits your family.
Ask an advisorDo I need a medical check-up?
It depends on your age and the amount of cover. Smaller amounts often need only a health declaration; larger amounts may need medical tests.
Ask an advisorAre takaful plans available?
Yes. Takaful Oman and Al Madina offer Sharia-compliant plans. We can compare them with conventional options for you.
Ask an advisorCan I cover my spouse as well?
Many insurers allow joint or family cover, or a separate policy for your spouse. We will show you the options.
Ask an advisor