OIC Delight

Money back policy

This plan Guarantees up to 120% on invested premiums at the end of the policy term along with the death cover.  It also gives an opportunity for an additional cover in case of death.

More Information

Key Benefits

  • Guarantees: Upto 120% of Invested Premium at the end of policy term to the beneficiary in case of death and to the policyholder in case of survival till maturity.
  • Family Income Benefit: In case of unfortunate death, a monthly income payment equivalent to the monthly premiums up to the date of maturity.
  • Waiver of Premium: In case of the death of the policy holder the policy would remain in force with all the future premiums being waived off till maturity.
  • Total and Permanent Disability: Should the policyholder unfortunately suffer total and permanent disability due to an accident during policy duration, all benefits as applicable in case of death would be available to the policyholder.
  • Common Carrier Coverage: In case of an accidental death on a licensed common carrier, an additional lump-sum benefit will be paid equal to 18 times the total premiums payable over the policy term subject to a maximum of AED. 1,500,000/-.

Terms and Conditions

Age Limits :18 to 60 years

Maximum Age at Entry Available Policy Term
56 to 60 years 5,7 and 10 years
51 to 55 years 5,7,10 and 15 years
18 to 50 years 5,7,10,15 and 20 years

Premium Payment Term Available Policy Term
3 years 5 years Life Protection
4 years 7 years Life Protection
5 years 10 years Life Protection
6 years 15 years Life Protection
7 years 20 years Life Protection

NOTE: A Licensed common carrier shall mean an aircraft licensed by the appropriate governmental authority to carry passengers on a permitted route.

Next Steps

How to purchase?

Please contact us on one of the telephone numbers below:

Call Center:
Dubai Life Sales Unit:
+ 971 4 2952424
Sharjah Life Sales Unit:
+ 971 6 5934100
Abu Dhabi Life Sales Unit:
+ 971 2 6128448
Have a query? Click below to chat with our Customer Service Officer
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Operating Hours: 8:00am to 5:00pm, Sunday to Thursday (Excluding Public holidays)