FAQ

• Ahli Islamic customers who own cars.
• The car must be registered in Oman plate to a citizen or legal resident. 
• Takaful is available to private individuals purchasing new or used vehicles, Except Chinese Vehicles(Saloon/Sedan, 4X4/SUV, Pick Up, Station Wagon, Sports Model vehicles – Private use only). 

• ID Card copy.
• Valid driving license copy. 
• Valid car registration copy for used cars.
• Invoice copy from Dealer for New cars.

Contribution will be calculated based on many factors including Value of vehicle, Vehicle Type, Age of driver, Previous claim history etc.

The policyholder should be the registered owner and primary driver of the car with a financial interest in the vehicle. The traffic department will only register a vehicle in the name of the policy holder stated on the cover certificate.

Visit Al Madina Takaful Office During the working hours from 8:00 AM to 4.30 PM (Sunday to Thursday) or intimate the claim through AMI online platform through the link below: https://www.almadinatakaful.com/customer-login/

The ROP form and the policy documents will be issued immediately by authorized Staff of Al Madina Takaful at the bank branch at which you apply, upon payment of the Contribution.

A motor insurance policy is valid for a period of one year and must be renewed at the due date.

This plan is exclusively for the domestic helpers under the sponsorship of Ahli Islamic customers between the ages of 18 and 50 years

No, it is a voluntary plan, you can choose to buy the cover. But Domestic Help Insurance is compulsory to obtain a new visa or visa renewal.

Yes, the coverage is worldwide Death cover Due to any Cause and Accidental Death, subject to exclusions mentioned in the Policy wording.

There is no need to undergo any medical tests or fill in any medical questionnaires for the plan. However, any pre-existing medical conditions / Injury is excluded from cover.

The coverage begins just after the Contribution is debited from your account subject to Domestic helper is arrived in Oman.

No. Domestic Policy cannot be canceled. However, it can be transferred from one person to another subject to transfer fee of RO 3/-.

The certificate of insurance will be handed over to you at the Ahli Islamic Branch, after the payment is processed.

Visit Al Madina Takaful branches or call our Toll free no and register the claims during the working hours from 8:00 AM to 4.30 PM (Sunday to Thursday)

In order to make a claim, the following documents are required:

(a) Death Due to any reason (Other than Accident):

•  Death Certificate stating the cause of death.
•  Post-mortem report if it is legally required.
•  Medical / Hospitalization report.
•  Clear copy of Passport or National Identity Certificate with visa page for the deceased.
•  Any other document that the Takaful Company may deem necessary. 

(b) Accidental Death:

•  Death Certificate stating the cause of death.
•  Police report.
•  Post-mortem report if it is legally required.
•  Medical / Hospitalization report.
•  Clear copy of Passport or National Identity Certificate with visa page for the deceased.
•  Any other document that the Takaful company may deem necessary. 

(c) In case of Accident / Permanent Total Disability:

•  Disability Certificates from a medical practitioner or a medical board authorized to assess disability.
•  Police report (if disability is due to an accident).
•  Medical report from an authorized medical practitioner with detailed diagnosis, including causes of disability and details of treatment given (if any).
•  Any other document that the Takaful company may deem necessary.

From Newborn Up to 80 years old for single trip.

• Emergency medical expenses and hospitalization abroad.
• Emergency dental treatment.
• Personal Accident benefits
• Medical Transportation
• Repatriation of Other Insured Person
• Daily cash benefit for Hospitalization
• Repatriation of Mortal Remains
• Early Return due to death of a close relative
• Visit of Close Relative in case of hospitalization
• Trip Cancellation or Curtailment
• Travel Delay
• Delayed Baggage
• Loss of Baggage
• Personal Liability
• Legal Assistance
• Advance of Bail Bond
• Assistance Service

The coverage has 3 options as below:

1. worldwide excluding USA & Canada
2. worldwide including USA & Canada
3. Schengen

Our Home Takaful covers the Building, contents of your household and personal belonging (within the house- Excluding Cash, Jewellery and valuables) due to fire, lightning, Riot, Strike, Malicious Damage, Earthquake, Explosion, Storm, Tempest, Flood, Impact due to Aircraft, Impact damage Including own Vehicles, Escape of Water from tanks, pipes and apparatus and theft.

Contents include all household goods and personal effects that belong to you. This includes furniture and fittings that do not belong to the landlord.

Personal belongings include articles for personal use that are worn, used or carried by you. For example, watches, mobile phones or laptops.

Contents are items that remain within the house, while personal belongings are items that may be carried outside the house.

Yes, the policy covers natural calamities such as floods, storms and earthquakes.

We recommend choosing a plan based on the value of your household contents and personal belongings that offers a level of coverage you feel is most appropriate.

No.

Yes, if you own the building or apartment you wish to insure. This can be purchased with or separately from the standard plans offered.

Yes, the takaful cover can start with immediate effect as soon as you pay the Contribution.

Visit Al Madina Takaful branches or call our Toll free no and register the claims during the working hours from 8:00 AM to 4.30 PM (Sunday to Thursday)

Critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Under Critical Illness once the member is contracted with Illness entire amount is paid is advance before the start of treatment unlike medical where as and when bills are submitted reimbursement is made to policy holder

Critical illness cover pays for:

• cost(s) of care and/or treatment
• recuperation aids
• outstanding financial liabilities, typically a Mortgage
• unpaid respite time, whilst recovering from ill-health

Critical Illness Cover is suitable for those concerned they may not be able to meet their financial commitments or maintain a reasonable lifestyle if diagnosed with a critical illness.

If the policyholder is diagnosed with a medical condition listed within the policy document, the Takaful company would make a cash lump sum payment to the policyholder, regardless of their life expectancy. The most common illnesses included are cancer, heart attack, stroke traumatic head injury, total permanent disablement.

Consideration should also be given to the fact that a large number of people will recover following diagnosis of a Critical Illness, which will result in a claim, and the sum assured being paid. They may continue to lead a long, healthy lifestyle whilst knowing their mortgage liability or other financial commitment or burden is now taken care of, due to the lump sum payment. Therefore, they may not be required to continue working, or will have the option to reduce their hours, or even change their occupation, to suit their new lifestyle.

• Heart attack
• Coronary artery bypass
• Stroke
• Multiple sclerosis
• Parkinon’s disease
• Paralysis of limbs
• Kidney failure
• Major organ transplant
• Chronic end stage liver failure
• Permanent blindness
• Cancer in situ

1. Up-front payment of entire Sum assured even before member start treatment.
2. Reduce financial stress on member.
3. Treatment can be taken anywhere in the world.
4. Assist policyholder to plan for other crucial matter of him and his family in a better way.

No, member do not have perform any test at hospital, only simple proposal form of health declaration is required to be filled by applicant.

Terminal Illness Insurance only pays the benefit where the life expectancy is less than 12 months at diagnosis whereas Critical Illness Cover would typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

The attained age of a Participant should be between 18 and 59 years at application (age next birthday). The policy will cease once the Participant attains 60 years of age.

Worldwide

Simple medical proposal form to be filled and signed/dated