national life and general insurance company

What national life and general insurance company does

National Life and General Insurance Company SAOG, operating under the Liva Insurance brand since September 2023, is an Oman-headquartered multi-line insurer providing Motor, Health, Life, Travel, Home, and Commercial insurance products to individual and corporate customers across six GCC countries. The company operates through a digitally-enabled multi-channel distribution model combining self-service (website, mobile app, WhatsApp claims channel), direct enterprise sales, bank partnerships (notably Oman Arab Bank for EMI payment plans), and an extensive provider network of 45+ authorized garages and empaneled medical facilities. It claims 500,000+ active customers, 1.5 million insured individuals, 500+ dedicated staff, and 190+ service touchpoints, and has been recognized as Oman Insurer of the Year 10 times at the MENA Insurance Awards.

The product portfolio spans retail lines (Car Insurance with comprehensive and third-party options; Health Insurance with network-based coverage; tiered Travel Insurance from Silver to Platinum; Home Contents insurance; Personal Accident Plans; Comprehensive Personal Plans for domestic helpers; and Individual Credit Life) as well as corporate lines (Group Life and Group Health for banks and corporates, Motor Fleet, Contractors All-Risk, Fire, Marine Cargo, Machinery, Workmen's Compensation, Money, Fidelity Guarantee, Critical Illness, Mortgage Protection, Children's/Retirement/Marriage Savings Plans, and Term Insurance). Underlying technology centers on a digital policy management platform: instant online quoting, a Liva-branded mobile app for claims submission, pre-approval tracking, digital medical e-cards, and a WhatsApp self-service channel for claims convenience.

Revenue is generated primarily through recurring insurance premiums across multi-year policies, supplemented by one-time travel premiums and affiliate-style revenue from the Liva Rewards loyalty program (valued at over 1,000 OMR per policyholder). Pricing varies materially by product, with motor and personal accident premiums starting as low as OMR 1.7–10/month while commercial and group lines carry higher per-policy economics. The company is a flagship insurance subsidiary of Oman International Development and Investment Company SAOG (OMINVEST) and completed a transformational 2022–2023 acquisition of Royal & Sun Alliance Insurance (Middle East) B.S.C. (c), issuing ~133.4 million new shares (raising share capital from RO 26.5M to approximately RO 39.8M) and consolidating NLGIC, Al Ahlia, Al Alamiya, NLGIC Support Services, and Inayah TPA under the unified Liva brand. Non-life premiums are subject to Oman's 5% VAT while life insurance remains VAT-exempt, with the company VAT-registered since October 2023.

Name

national life and general insurance company

Legal name

National Life & General Insurance Company SAOG

Website

https://livainsurance.om

Company type

Private

Founded year

1942

Operating status

Operating

Short description

National Life and General Insurance Company SAOG (Liva Insurance) is an Oman-headquartered multi-line insurer offering Motor, Health, Life, Travel, Home, and Commercial insurance products to over 500,000 customers across six GCC countries, distributed through digital self-service channels, bank partnerships, and a network of 190+ service touchpoints.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

Keywords

• Motor insurance
• Health insurance
• Travel insurance
• Life insurance
• Commercial insurance

Headquarters

HQ city

Muscat

HQ country

Oman

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Motor Insurance Premiums: Comprehensive and third-party motor vehicle insurance sold to individuals and fleet owners, generating recurring premiums with optional add-ons like extended warranty
2. Health Insurance Premiums: Group and individual health insurance policies providing medical coverage with network of empaneled healthcare providers
3. Life Insurance Premiums: Personal accident plans, comprehensive personal plans for domestic helpers, credit life insurance for loan protection, and other life insurance products
4. Travel Insurance: Short-term travel insurance policies with coverage tiers (Platinum, Gold, Silver, Silver Plus) for trip cancellation, medical emergencies, and baggage
5. Home Insurance: Home contents insurance protecting against fire, theft, and natural disasters
6. Commercial/Business Insurance: Contractors all-risk insurance, machinery insurance, workers compensation, marine cargo, and fire insurance for corporate clients
7. Rewards Program: Liva Rewards program offering value-added benefits and discounts to policyholders worth over 1000 OMR

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels9 records

Core offering

National Life and General Insurance Company, operating as Liva Insurance, underwrites and distributes a multi-line insurance portfolio across Motor, Health, Life, Travel, Home, and Commercial lines for individuals, families, employers, and corporations across six GCC countries. It combines traditional insurance products (car, health, travel, home, life, group, and specialty commercial coverage) with digital self-service capabilities including instant online quotes, a mobile app for policy and claims management, WhatsApp claims self-service, and digital medical e-cards. Distribution leverages direct sales, bank partnerships, an authorized garage network, and an empaneled medical provider network.

Product overview

Liva Insurance operates as a multi-line insurance company offering a unified platform of insurance products across Motor, Health, Life, Travel, Home, and Commercial lines. The portfolio spans individual/retail products (Car Insurance, Health Insurance, Travel Insurance, Home Insurance, Personal Accident Plan, Comprehensive Personal Plan, Individual Credit Life) as well as group/corporate products (Group Life Insurance for banks and companies, Group Health Insurance, and commercial policies including Motor Fleet, Contractors All Risks, Fire Insurance, Marine Cargo, Workmen's Compensation, and more). The company also offers a mobile app for health policy management, a rewards loyalty program, and digital self-service tools for claims, quotes, and policy management.

Differentiator

Problem solved

Functional benefit

Brands

• RSA Middle East: Insurance operations in Middle East markets acquired as part of the 2022 acquisition
• Al Ahlia Insurance
• Al Alamiya

Products and services

• Car Insurance Motor vehicle insurance providing third-party liability (mandatory in Oman) and comprehensive coverage options including accidental death, vehicle damage, theft, fire, natural disasters, and roadside assistance, for car owners in Oman and the GCC.
• Health Insurance Health insurance coverage providing access to medical consultations, hospitalization, surgeries, diagnostic tests, medications, and emergency medical services for individuals and groups in Oman through an empaneled medical provider network.
• Travel Insurance Travel insurance for domestic and international trips, providing protection against trip cancellation, medical emergencies, and baggage loss. Plans include Platinum (USD 200,000 accidental death), Gold (USD 30,000), and Silver/Silver Plus (USD 20,000) for trips up to 90-180 days.
• Home Insurance Home contents and property insurance protecting residential properties and belongings against fire, theft, natural disasters, and other unforeseen events, for homeowners in Oman.
• Personal Accident Plan (PAP) Personal accident insurance providing coverage for accidental death, permanent total or partial disability, medical expenses, and repatriation for individuals and embassy staff, with premiums starting at OMR 10.
• Comprehensive Personal Plan (CPP) - Domestic Helper Insurance Domestic helper insurance providing employers and domestic workers coverage for natural death, accidental death, medical expenses, permanent disability, and repatriation costs. Premium starts from OMR 1.7 per month with an annual premium of OMR 21.30.
• Individual Credit Life Insurance Credit life insurance linked to housing, personal, or car loans that settles the outstanding loan balance in case of death or total permanent disability, protecting family members from inheriting loan obligations.
• Motor Fleet Insurance Fleet motor insurance for businesses managing multiple vehicles, providing comprehensive coverage across commercial vehicle portfolios.
• Car Extended Warranty and Insurance Extended warranty and insurance product covering mechanical and electrical breakdowns of vehicles beyond the standard manufacturer warranty period, available as an optional add-on to car insurance.
• Group Life Insurance Comprehensive group life insurance product designed for banks, financial institutions, and other legal entities, providing coverage for employees or customers with loan obligations.
• Group Health Insurance Group health insurance for corporations and legal entities providing employee healthcare coverage through the empaneled medical provider network.
• Contractors All Risks Insurance Insurance coverage for construction and contracting businesses covering all risks associated with contractors and construction projects.
• Machinery Insurance Insurance coverage for machinery breakdown, covering repair or replacement costs for equipment and machines used by commercial clients.
• Workmen's Compensation Insurance Insurance coverage for work-related injuries and occupational diseases, providing compensation to employees.
• Marine Cargo Insurance Insurance coverage for goods and cargo during maritime or air transport, protecting against loss or damage during transit.
• Fire Insurance Insurance coverage against fire, lightning, explosion, and related perils for commercial properties and assets.
• Group Personal Accident Insurance Group personal accident insurance providing coverage for employees or group members against accidental death and disability.
• Liva Insurance Mobile App Mobile application enabling customers to submit medical bills for reimbursement, track claims in real time, monitor pre-approval requests, access digital medical e-cards and certificates, and manage health insurance policies. Available on Google Play Store and Apple App Store.
• Liva Rewards Program Customer loyalty and rewards program offering exclusive benefits, discounts, and rewards worth more than 1,000 OMR to policyholders who maintain continuous coverage.
• WhatsApp Self-Service for Claims Self-service WhatsApp channel enabling customers to initiate and track insurance claims through automated conversational interactions.

Quantifiable outcome

• Over 500,000 customers served across the GCC region
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Oman Diabetes AssociationminorStrategic or Co-development Partner · 1 December 2025Liva Insurance joined hands with Oman Diabetes Association to tackle diabetes and obesity through a community awareness drive, demonstrating corporate social responsibility and health advocacy.
• Amal Al RaisiminorGTM or Marketing Partner · 13 November 2024Liva Insurance signed MOU with fashion designer Amal Al Raisi to support the 'Future of Fashion' program for 2025, empowering Omani women in the fashion industry through a community initiative.
• Oman Arab BankcoreGTM or Marketing Partner · 28 November 2023Liva Insurance partnered with Oman Arab Bank to offer exclusive EMI (Equated Monthly Installment) payment options on insurance products. This partnership enables customers to purchase insurance products with convenient monthly payment plans, enhancing accessibility and customer experience.
• Royal & Sun Alliance Middle East (RSA Middle East)coreStrategic or Co-development Partner · 26 September 2023Strategic merger between National Life & General Insurance Company and RSA Middle East to create a unified multi-line insurance group. The combined entity brings together Al Ahlia Insurance, Al Alamiya, and other subsidiaries under the Liva brand.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Al Etihad Cooperative Insurance: Saudi cooperative insurer offering motor, health and commercial lines. Comparable multi-line product set and GCC institutional and retail customer mix to Liva.
• Oman Insurance Company: UAE-headquartered multi-line insurer offering motor, health, life, travel and commercial lines across the GCC and wider region. Highly comparable to Liva in product breadth, distribution mix and target segments.
• Gulf Insurance Group (GIG): Kuwait-based multi-line insurer with operations across the MENA region offering motor, health, life and commercial lines. Comparable scale and multi-country GCC footprint to Liva.
• Qatar Insurance Group (QIC): Qatar's largest insurer and a GCC multi-line carrier with motor, health, life and reinsurance operations. A relevant scale and product-mix benchmark for Liva's GCC ambitions.
• Tawuniya (Company for Cooperative Insurance): Saudi Arabia's largest multi-line cooperative insurer offering motor, health, life and commercial lines. Directly comparable multi-line product set and GCC institutional customer base.
• Walaa Cooperative Insurance: Saudi cooperative insurer offering motor, health, property and engineering lines. Comparable GCC multi-line, multi-segment positioning to Liva.

Regional players

• Salama Islamic Arab Insurance: UAE-based Shari'ah-compliant multi-line insurer. Comparable multi-line product breadth and GCC distribution but primarily serving UAE versus Liva's Oman-led footprint.
• Bupa Arabia: Saudi-focused health insurance specialist and one of the largest cooperative health insurers in the region. Comparable to Liva's group and individual health lines but with narrower product scope.

Broad incumbents

• AXA Insurance Gulf: Global insurer's Gulf operations offering motor, health, life and commercial lines across GCC countries. Overlaps with Liva's product portfolio as part of a wider global franchise.
• MetLife Gulf: Global life and group benefits player with a strong Gulf presence. Comparable to Liva's group life, credit life and savings product offerings as part of a larger international portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/liva_oman
• YouTubeyoutube.com/@livainsuranceom
• Facebookfacebook.com/livainsuranceoman
• LinkedInlinkedin.com/company/livainsuranceom
• Instagraminstagram.com/livainsurance.om

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about national life and general insurance company