Sukoon Life Insurance (Oman Life Insurance )

Established to financially secure residents, nationals, and expats of the UAE, Sukoon Insurance has made its mark in the country’s insurance industry. One of the most outstanding offerings among its assortment of insurance products is Sukoon life insurance plans.

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About Sukoon Life Insurance (Previously Oman)

Established to financially secure residents, nationals, and expats of the UAE, Sukoon Insurance has made its mark in the country’s insurance industry. One of the most outstanding offerings among its assortment of insurance products is Sukoon life insurance plans. 

The constant commitment to deliver excellent service — be it through digital life insurance plans or customisable conventional plans — has made Sukoon stand out and win several accolades including 

  • Digital Initiative of the Year at Insuretek Golden Shield Excellence Awards 2023
  • UAE Insurer at MENA IR Awards 2023
  • 3G Service Excellence and 3G Best Social Impact at Global Good Governance (3G) Awards 2023 

Benefits of Buying Sukoon Life Insurance Dubai

With more than 49 years of industry experience, Sukoon Insurance is known for its excellent products and customer service. Sukoon life insurance plans are specially vouched for the company’s top-rated services that include —

  • Quick and smooth claim settlement process
  • Reliability 
  • Customisable insurance plans
  • Round-the-clock customer care service
  • Company’s solid hold in the UAE by insuring more than 800,000 lives so far

Features and Benefits of Sukoon Life Insurance (Previous Oman Life Insurance) Plans

Tabled below are the key features and benefits of the top Sukoon Life Insurance plans in the UAE —

Plan Name Features Apply
Life Guard
  • Term insurance plan
  • Flexible premium payment options
  • Attractive premiums for those who don’t smoke
  • No medical tests needed for applicants up to the age of 46 years
  • Optional spouse cover
  • Cover for all medical tests and fees at the time of policy starting
  • Lump sum payment at the time of the policyholder's death
  • Cover for business and outstanding loans 
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DigiTerm
  • Online term life insurance plan
  • Cover of up to AED 1,000,000
  • No medical test required
  • Flexibility to choose the policy tenure and sum assured value as per your needs
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Term Protect
  • Customised policy tenure
  • Flexible premium payment mode
  • Joint life option
  • Optional accelerated critical illness benefit
  • Riders available — 
  1. Critical Illness Benefit
  2. Permanent and Total Disability Benefit
  3. Accidental Death Benefit
  4. Waiver of Premium for Disability
  5. Hospital Indemnity
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Life Protect
  • Comprehensive Whole Life Insurance 
  • Coverage available up to the age of 95 years
  • Worldwide coverage
  • Part of the premium invested in funds of your choice
  • Option to easily switch between the funds
  • Loyalty bonus and additional benefits
  • Flexibility to change the level of life insurance and premium
Apply Now

Eligibility Criteria to Buy Sukoon Life Insurance UAE

To easily apply for Sukoon Life Insurance in Dubai, UAE, you should meet the following eligibility criteria —

  • Nationality — UAE nationals, residents, and expats
  • Minimum Age of the Applicant — 18 years

How to File a Sukoon Life Insurance Claim?

Here’s how you can file a Sukoon (previously Oman Life Insurance) life insurance claim for Critical Illness and Accident and Death. 

Critical Illness and Accident Claim Process

Follow these steps —

  • Intimate the insurance provider to life.claims@sukoon.com within 90 calendar days from the date of the event and provide the following —
  1. Policy number
  2. Date when the illness was diagnosed or the accident occurred
  3. Diagnosis or reason for the illness or accident
  • Download the claim form, fill it out, and send it to the company. You will receive the claim reference number within 3 business days of receiving the intimation mail.
  • Also, provide the following documents —
  1. Completed claim form
  2. Filled-in medical statement form by the treating doctor
  3. Medical report informing about the illness and treatment
  4. Necessary medical records
  5. Filled-in employer statement form (in case of critical illness)
  6. A valid passport and residence visa page copy 
  7. Police report (in case of critical illness)

Note: Make sure you send all of these documents with stamped and signed claim forms. The provider can ask for additional documents if required. 

You will receive the applicable claim settlement or the response within 14 business days of submitting all the mandatory documents. 

Death Claim Process

To file a Sukoon life insurance claim in case of the policyholder’s demise, here’s what you need to do —

  • Send an email to life.claims@sukoon.com within 90 calendar days from the date of death. Provide the policy number and date, and place and the cause of death. 
  • You will receive the claim reference number within 3 business days of receiving the intimation mail. 
  • Once you receive the claim reference number, send the documents mentioned below —
  1. Filled-in beneficiary claim form
  2. Death certificate
  3. Medical reports mentioning the medical history and the illness that resulted in death
  4. The deceased’s valid passport and residence visa page copy
  5. Beneficiary’s passport copy or national ID card
  6. Filled-in medical statement form from the physician who last attended the policyholder
  7. Medical report from the physician who last attended the policyholder
  8. Police report in case of accidental report
  9. Documents that show the beneficiary’s relationship with the policyholder.

The provider can ask for additional documents as and when required. 

You can receive a notification about the applicable claim settlement amount or a response from the provider within 14 business days of submitting the documents and the claim form. 

Once the claim gets approved, a discharge receipt is sent. This contains information about the amount you will receive within 7 working days of the claim intimation. 

The money then gets transferred to the bank account within the next 14 business days. 

Why Buy Sukoon Life Insurance from Policybazaar UAE?

When you buy a Sukoon life insurance plan from Policybazaar.ae, you get it at affordable premiums. The straightforward user interface makes it quite easy to apply for a life insurance plan

What’s more? 

In case you are confused about the options, you can seek customer care service anytime. Additionally, the consultation with financial and insurance experts is totally free. 

Frequently Asked Questions

What types of critical illnesses get covered if you opt for a critical illness benefit rider?

Some major critical illnesses covered include cancer, kidney failure, major organ transplant, heart attack, stroke, and more. 

What are the major factors that affect the cover for Oman life insurance plans?

The main factors affecting the cover for Sukoon life insurance plans are lifestyle, smoking habits, medical history, body mass index, income, pre-existing medical conditions, and more. 

Do you need to pay additional charges to include riders in your life insurance plan?

Yes, the cost of the additional benefits gets added to the overall premium to make the policy comprehensive. 

Reviews & Ratings

4.6 / 5
(based on 24,645 reviews)

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