Brought to you by NBO, Family Protector is a Personal Accident (PA) Insurance underwritten by AIG MEMSA Insurance Company Limited. It is a voluntary scheme where you have the choice to enroll for it. Unlike other kinds of cover, this plan provides worldwide protection 24 hours a day, 365 days a year.

Covers Loss of Life Due to Accident

NBO Family Protector covers you against death due to accident. It provides your family with the financial resources to continue with their lives.

Covers Total and Permanent Disability Due to Accident

If a covered injury results in total and permanent disability with a functional loss of an organ or member that does not allow you to carry out regular day-to-day activities, you will be financially protected to cope with your loss of ability.

Daily Hospital Cash

AIG MEMSA Insurance Company Limited will pay a daily benefit for each day up to a maximum of 365 days to you if you are an in-patient in a hospital due to accident.

The following documents will be required to apply for a Family Protector:

• The customer fills and signs the certificate form, and hands this over to the staff at the nearest branch.
• The customer retains the customer copy i.e. the last page and the terms and conditions.
• Branch Staff collect premiums from customer's bank account and credits AIG MEMSA's Account.

If my spouse and I were to die in the same accident, how much will the insurance company pay?

The insurance company will pay each Principal Sum Insured amount that you have chosen for yourself and your wife, in an unfortunate event as you describe.

Whom will the benefits be paid to in the event that both of us die?

The benefits will be paid to beneficiary named in the policy. In the event the beneficiary is the spouse, then the benefits will paid to the legal heirs of the Insured Person, in case of an unfortunate event as you describe.

What is the Principal Sum Insured for each of my children?

If you choose the "family option", each of your children is insured for 10% of the amount of insurance for yourself or your wife.

Can all my children be insured in the "family option"?

Yes, The premium for the family option covers all children in your family (over the age of 6 month and under 19 unless in fulltime education).

Am I insured when I'm traveling overseas?

Yes. NBO Family Protector provides you coverage 24 hours a day, 365 days a year worldwide.

Are the daily medical expenses that I incur overseas for accidents that occur here (Oman) covered under the Accident in Daily Hospital Cash benefit?

Yes, subject to the policy conditions and amount of insurance chosen by you and subject to the original accident documentation.

If I am a resident of Oman but my family is abroad and are not residents, are they still covered?

Yes, only the Insured Person must be an Oman resident.

Will the Family Protector cover me while I'm flying?

Yes, provided you are flying as a ‘fare paying passenger and not as a member of a crew'.

Does the Family Protector cover me while I'm back in India?

Yes, NBO Family Protector covers you against accidents 24 hours a day, 365 days a year anywhere in the world.