In association with Oman Insurance, Najm Credit Card offers you a comprehensive Lifestyle Protection cover, which ensures that you and your loved ones are protected from the burden of debt in the event of an unforeseen tragic event. For the first two months of taking possession of your card, Lifestyle Protection cover comes free of charge, thereafter a nominal fee of 0.6% of your outstanding balance will be charged per month.
Lifestyle Protection covers you in the event of:
 Death due to any cause |
| In the event of the primary Cardmember’s death, any outstanding funds on the Najm Credit Card will be covered to a maximum of AED 100,000. |
| Permanent Total Disability (PTD) due to any cause |
| Where the primary Cardmember is permanently disabled, the outstanding balance will be covered to a maximum of AED 100,000.
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| Critical Illness
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| If the primary Cardmember contracts a critical illness, the Lifestyle Protection will cover the outstanding debt up to AED 100,000.
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| Involuntary Loss of Employment (ILOE) |
| Where a primary Cardmember loses his or her employment involuntarily, Lifestyle Protection will cover 10% of the outstanding balance from the date of the event, up to a maximum of AED 4,000 per Cardmember per month for a maximum of 12 months.
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| Hospital Cash Benefit
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| In the event of hospitalization for at least 24 hours due to illness or injury (not specifically excluded under Lifestyle Protection policy), indemnity of AED 200 per person per day will be paid for a maximum of 60 days.
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Another exciting first for the UAE, your Najm Credit Card brings you a unique feature that ensures your family will continue living the life they are accustomed to, no matter what happens. In addition to the Lifestyle Protection, the Najm Credit Card also provides lifestyle cover in the event of the Cardmember’s death:
| Silver/Classic Card | Gold Card |
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| House Rent | AED 5,000 per month up to a maximum of 3 months | AED 10,000 per month up to a maximum of 3 months |
| School fees | AED 900 per child per month up to a maximum of 3 children for 3 months | AED 1, 800 per child per month up to a maximum of 3 children for 3 months. |
| Utility Bills | AED 1,750 per month for 3 months | AED 3,500 per month for 3 months |
| Essential Shopping | AED 1,500 per month for 3 months | AED 3,000 per month for 3 months |
| Cargo for shipping personal things to home country | Actual cost up to a maximum of AED 5,000 | Actual cost up to a maximum of AED 10,000 |
| Flying Mortal remains to home country | Actual cost up to a maximum of AED 5,000 | Actual cost up to a maximum of AED 10,000 |
|  Terms & Conditions [Insurance]
Click here to download the Lifestyle Protection claim form For more information, please call our dedicated call centre 04 6063008. |
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