RSA brings you an insurance package designed to take care of you and your family in the unfortunate event of an accident resulting in death, permanent or temporary disability, as more fully described in our Policy.

Coverage

If during the Period of Insurance the Insured Person sustains accidental death or Bodily Injury which within two years is the sole cause of Death, Disablement or incurring of Medical Expenses, the Company will pay to the Insured or to his nominee(s) the amount appropriate to the Benefit shown in the Schedule.

Benefits

• Death
• Permanent Disablement
• Temporary Total Disablement
• Temporary Partial Disablement
• Medical Expenses
• Repatriation Expenses

Minors If the Insured Person is less than 18 years of age

• Benefit 1 will be limited to RO.1,000/-
• No amount will be payable under Benefit 3 and 4.

Some Exceptions
The following are exceptions to the policy:

• Bodily Injury is sustained before the Lower Age Limit is attained or after the expiry of the Period of Insurance during which the Upper Age Limit is attained
• Bodily Injury is sustained before the Lower Age Limit is attained or after the expiry of the Period of Insurance during which the Upper Age Limit is attained
• Bodily Injury results from the Insured Person engaging in (or practicing for or taking part in training peculiar to) any of the Excluded Activities
• Bodily Injury results from the Insured Person committing or attempting to commit suicide or willfully exposing himself to needless peril except in an attempt to save human life
• Bodily Injury, Death, Disablement or Medical Expenses results from, or is contributed to by, the Insured Person having taken a drug unless it is taken on proper medical advice and is not for the treatment of drug addiction
• Bodily Injury, Death, Disablement or Medical Expenses resulting from or is contributed to by:
  (a) Illness or disease (not resulting from accidental bodily injury)
  (b) Any naturally occurring condition or degenerative process
  (c) Any gradually operating cause
  
• Death, Disablement or Medical Expenses resulting from, or is contributed to, by the pregnancy (including childbirth) of the Insured Person
• Death, Disablement or Medical Expenses that result from, or is contributed to by, any consequence of War or Terrorism
• In respect of Benefit 5, The Company shall not be liable for any expense directly attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused

Some Excluded Activities

• Aviation except for Air Travel
• Football other than Association Football (Soccer) as an Amateur
• Hunting, racing or any other competition on horseback
• Motor Competitions
• Motorcycling as a rider or passenger on a machine with an engine capacity in excess of 50cc
• Mountaineering, rock or cliff climbing
• Racing on wheels
• Sport as a professional
• Water ski jumping and tricks
• Any form of unarmed combat
• Yachting beyond 5 Kilometers of any coastline

Travel to Disturbed Areas The Insured must notify the Company in advance of any travel to Disturbed Areas which is defined as, any country or area to which the Government of the Sultanate of Oman advises against all travel.


Premium For premium details and other information on our Personal Accident insurance package, please contact us at :


Royal & SunAlliance Insurance Oman SAOC PO Box 889, Postal Code 100
Muscat, Sultanate Of Oman
Tel: +968 24478318
Fax: +968 24482296
E-mail:rsaoman@om.rsagroup.com


Note
The above details only present a brief idea of the aforementioned policy and things not included in it. Contact us for further details and information