To empower women in their various roles and open doors to new possibilities, Muzn, in collaboration with Takaful Oman, presents "Himayati - My Health Plus," designed exclusively for Muzn account holders. Explore our four adaptable plans, with the convenience of choosing monthly or annual premium payments.
Features
- Shari'a-compliant
- 24/7 global coverage
- Easy enrollment - no medical examination required
- Immediate payment on diagnosis of specified common women's cancers
- Lifestyle benefits after the spouse's (husband's) demise
- Option for monthly or annual premium payment
Benefits
| Description | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 |
| Section 1A: | | | | | | |
| Accidental Death of the husband | OMR 20,000 | OMR 50,000 | 0 | 0 | OMR 200,000 | OMR 200,000 |
| Section 1B: | | | | | | |
| Death of husband due to Sickness/Natural causes | OMR 10,000 | OMR 20,000 | 0 | 0 | OMR 25,000 | OMR 25,000 |
| Following the death of the Husband the wife will be eligible for the following life support benefits paid as lump sum benefit | | | | | | |
| Skill Enhancement Allowance | OMR 2,000 | OMR 3,000 | 0 | 0 | OMR 4,000 | OMR 4,000 |
| Children Education Fees Support | OMR 2,000 | OMR 3,000 | 0 | 0 | OMR 4,000 | OMR 4,000 |
| Health Care Allowance | OMR 2,000 | OMR 3,000 | 0 | 0 | OMR 4,000 | OMR 4,000 |
| Rent Allowance | OMR 2,000 | OMR 3,000 | 0 | 0 | OMR 4,000 | OMR 4,000 |
| Relocation Allowance | OMR 2,000 | OMR 3,000 | 0 | 0 | OMR 4,000 | OMR 4,000 |
| Section 2: Women Cancers including Breast Cance, Ovaries Cancer, Cancer in fallopian tubes, Cancer of Uterus, Cervix Cancer, Vagina Cancer & Vulva Cancer | | | | | | |
| Women cancers | OMR 6,000 | OMR 12,000 | OMR 6,000 | OMR 12,000 | OMR 15,000 | OMR 50,000 |
Eligibility
All Muzn customers residing in Oman between the ages of 18 to 60 years are eligible for Takaful Elite Life Plan
How to apply
Please complete the Application Form and submit to our staff at the nearest branch for further guidance.
Fees and Charges
The plan wise premium details are as mentioned below;
| Premium Frequency | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 |
| Monthly Premium | OMR 13 | OMR 26 | OMR 5 | OMR 9 | OMR 50 | OMR 80 |
| Annual Premium | OMR 150 | OMR 300 | OMR 58 | OMR 105 | OMR 600 | OMR 960 |
FAQ's
1. What are the key features of Himayati My Health Plus?
The key features are as follows:
- Sharia-compliant
- 24/7 global coverage
- Easy Enrollment. No Medical Examination is required
- Comprehensive coverage at a very low premium
- Immediate payment upon diagnosis of one or more of the listed Women's Cancers
- Lifestyle benefits following the death of the spouse (husband)
- Premium payment options include monthly or annual.
2. What benefits are covered in the Policy?
The benefits covered are as follows:
1. Death of the Husband due to an accident or sickness/natural cause
2. Women's Cancers, namely:
- Breast Cancer
- Ovarian Cancer
- Cancer in fallopian tubes
- Cancer of the Uterus
- Cervical Cancer
- Vaginal Cancer
- Vulva Cancer
3. Who is eligible for this Plan?
All Muzn customers residing in Oman between the ages of 18 to 64 years.
4. What is the commencement date?
The commencement date is the date the customer is enrolled for this Plan with Muzn.
5. How can I enroll for this cover?
Contact the nearest Muzn branch or the call center.
6. Is the Coverage restricted to Oman?
The coverage is global, available 24x7.
7. What are the eligibility requirements?
The Insured Person should meet the eligibility conditions as stipulated by the Bank to become an account holder. The Insured Person and the spouse should be within the age criteria mentioned herein.
- Minimum age at entry: 18 completed years.
- Maximum age at entry: 64 completed years.
- Maximum coverage age: 65 completed years.
- The Insured Person should have a valid Oman residence visa for expatriates or a National Identity Card (for Nationals only).
8. Is a Health Check-up required for taking this Plan?
Plan 1, Plan 2, Plan 3, and Plan 4 - No health check-up is required. Plan 5 & Plan 6 - Medical Questionnaire required irrespective of the age.
9. What are the Premium payment options?
Customers can choose to pay the Premium either monthly or annually.
10. Can the Insured Person claim under both sections of the Policy?
Yes, the first section pays the benefit in the event of the death of the husband (spouse of the Insured Person). The second section pays a benefit when the Insured Person is diagnosed with a covered cancer and living. The policy terminates upon the payout of one claim.
11. Is there a free look period under the Policy?
Yes, this policy entitles you to a full refund of the contribution if you decide to cancel within the first 30 days of enrollment. The Company reserves the right to decline a second application following the cancellation of the first application under this plan from the same Covered Person.
12. Can I cancel my coverage at any time? Will I be eligible to get a refund after canceling a policy if the annual Premium is paid in advance?
Yes, you can cancel the policy at any time, and 80% of the unearned Premium shall be refunded on a pro-rata basis for the balance of the months of cover due under the Policy.
13. What if I cease to be a resident of Oman, do I still get the cover?
No.
14. What if the customer already has a Life Insurance Policy or a similar plan with another Takaful/Insurance Provider?
This Plan is independent of any other Takaful/Insurance Plans taken by the Insured Person. The policy will pay the benefit.
15. Can the benefits under the cover terminate without the customer's instructions?
Yes, under the following circumstances:
- The date the Covered Person is no longer eligible within the definition of Covered Person(s)
- The date the benefits are paid to the extent of the principal sum in respect of any Covered Person
- The date the Covered Person or spouse has attained the age of 65 years
- The date the Covered Person is no longer a resident of Oman.
16. What is the Evidence of Insurability or any medical examinations to be conducted?
No medical tests are required to enroll.
17. What would be the documentation in case of a claim?
The documentation is as follows:
Section 1- Death Benefit:
- Death certificate
- Post-mortem report (wherever legally required)
- Police report (if Death was due to an accident)
- Medical report from an authorized medical practitioner with a detailed diagnosis and cause of Death if required by the Company when the actual cause of Death is not clearly mentioned in the Death certificate.
- Copy of passport with a valid visa page (in case of Expatriates)/ National Identity Card (in case of Nationals)
- Any other documents as may be required to substantiate the claim
Section 2- Women Cancer Benefit:
- Medical report from an authorized medical practitioner diagnosing female cancer
- Copy of Passport (with a residence visa page for expatriates) or National Identity Card (Nationals only)
- Any other documents as may be required to substantiate the claim.
18. What is the TAT in case of a claim Settlement?
The claim settlement would take 15 working days from the date of submission of the complete supporting documents.
19. What are the main exclusions?
Exclusions in respect of death due to sickness benefit:
- Pre-existing Illness, however, it is covered after 12 months from the Commencement Date.
- Exclusions applicable to Accidental death benefit:
- Participating in hazardous sports.
- Resulting from intoxication or due to the influence of any narcotic or drug unless administered on the advice of a physician.
Exclusions applicable to Female Cancers:
- Waiting Period - 120 days of the Commencement Date
- Due to chronic illness/condition
- Illness due to Pre-existing Illness or condition.
General Exclusions applicable to all sections:
- War and allied perils, however, Passive War is covered.
- Any breach of criminal law
- Attempted suicide or self-inflicted injury, however covered after 1 year
- Loss resulting from the accidental or deliberate spread or use of Nuclear, Biological, or Chemical material including loss,
- Due to Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivatives or variations thereof.
