Preparing for a new school year means more than buying uniforms, stationery, and books. You're also planning school runs, paying tuition fees, managing after-school activities, and making sure your child has everything they need to succeed.
With the right insurance in place, you can spend less time worrying about the unexpected and more time focusing on what matters most: helping your child thrive and reach their greatest potential.
While health insurance may be mandatory for some students in Oman, it may also be worth reviewing your home, car, and travel insurance to make sure your family is protected throughout the school year.
Why Insurance Matters During the School Year
As a parent, you already have a lot on your plate. The last thing you want is an unexpected setback that puts extra pressure on your time, finances, or family.
That's exactly why insurance deserves a place on your back-to-school checklist. You pay a premium to have someone else worry and cover any damage if and when anything happens.
Now is the perfect time to review your insurance priorities and policies to help you start the school year with confidence. We've put together the ultimate back-to-school insurance checklist for parents and guardians.
Health Insurance Checks Every Parent Should Make Before School Starts
When your child isn't feeling well, your focus should be on helping them feel better, not worrying about medical costs or finding the right care.
Take a moment to review your health insurance benefits and make sure your plan includes:
- 24/7 Teleconsultation for quick medical advice anytime
- Large network of hospitals and clinics to get support near your home or school
- Personal accident coverage for additional financial support if anything happens
- Coverage of pre-existing conditions to make sure your child is cared for no matter their medical history
- Access to MyGIG App, your one stop shop to manage your policy, submit a claim, access your benefits and services wherever and whenever you need.
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Car Insurance Tips for a Safer School Commute
If you're doing daily school drop-offs and pick-ups, your car becomes an essential part of your family's routine. Whether you're navigating busy school zones, after-school activities, or weekend sports events, it's worth checking that your car insurance gives you the support you need.
Look for benefits such as:
- 24/7 Roadside assistance to resolve car accidents anywhere and anytime
- Family protection for the driver and the passengers
- Personal accident coverage to protect anyone from injury if any incident happens
- Agency repairs to ensure the car is returned to the road quickly with minimal inconvenience.
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Protect Your Home and Your Child's School Essentials
Imagine the amount of distress you will feel when your home or belongings are damaged or lost due to fire, heavy rain, theft, or natural disasters.
Not only can these situations be expensive, but they can also disrupt your child's daily routine when and where stability matters most. That's why it's important to review your home insurance and check whether it includes:
- 24/7 Emergency home assistance
- Alternative accommodation for when your home is under repair
- Domestic helper insurance to protect the ones taking care of your little ones.
- Occupiers liability cover against any claim made against you or your family
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Travel Insurance for a Smooth Return to School
A new academic year often means returning home after a summer holiday and preparing for a fresh start. The journey back should be filled with excitement, not worries about delayed baggage, cancelled flights, or unexpected emergencies.
Before you travel back to Oman, check whether your travel insurance includes:
- 24/7 Claims assistance to quickly get support when anything goes wrong
- Trip cancellation and travel delay benefits
- Protection for lost, stolen, or delayed baggage
- Family travel insurance to cover both you and your whole family under a single policy
- Emergency evacuation and repatriation if any unforeseen situation happens
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How to Choose the Right Insurance Coverage for Your Family
Choosing the right insurance doesn't have to be complicated. When comparing insurance options, it's also important to:
- Check what's covered and what's not
- Review coverage limits and exclusions
- Consider your family's budget
- Compare available benefits and add-ons
- Review your policies annually as your circumstances may change
The best insurance coverage for your family is the one that gives you the right level of protection, while being lighter on your wallet.
Back-to-School Offer: Enjoy a Reward with Your New Policy
Getting the right insurance for your family doesn't just give you peace of mind; it can also come with extra value.
When you purchase a new home, travel, or health insurance policy online by 30 September, you'll enjoy a guaranteed 25% cashback.
If you buy comprehensive car insurance online, you'll unlock a GIG Gulf welcome gift: OMR 10 Lulu gift voucher.
It's our way of helping you start the school year with a little extra value while protecting the people who matter most.
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Frequently asked questions
Why is a back-to-school insurance checklist important?
A back-to-school insurance checklist helps you make sure your family is protected before the new school year begins. By reviewing your coverage, you can avoid unexpected expenses and enjoy greater peace of mind, knowing you're prepared for whatever the year may bring.
What insurance should you review before the school year starts?
Before the school year begins, it's a good idea to review your:
- Health insurance
- Car insurance
- Home insurance
- Travel insurance
If you're unsure which insurance is best for your needs, talk to our insurance experts on 800 70 292 (within Oman) or +968 2440 0100 (outside Oman).
How often should you review your insurance policies?
You should review your insurance policies at least once a year, or whenever there is a major change in your life, such as:
- Shifting to a new school
- Moving into a new home
- Planning a trip or travelling abroad
- Purchasing a new vehicle
- Changes to your health or family circumstances
Does health insurance cover school-related injuries?
Your health insurance covers medical treatment for school-related injuries, including accidents that happen during:
- Classes
- Sports activities
- School trips
Check what our health insurance offers you and your family to understand what is covered and whether any exclusions apply.
Does home insurance cover my child's school belongings?
Home insurance does cover valuable items if they're damaged or stolen, including:
- Laptops
- Tablets
- Other devices
Check out our home insurance plans to understand what items are protected and the coverage limits that may apply.
Does travel insurance cover school holiday trips?
Travel insurance does cover you and your family during school holiday travel. Depending on your policy, it may insure:
- Medical emergencies
- Trip cancellations
- Travel delays
- Lost or delayed baggage
Explore our travel insurance to learn about the full coverage plan as well as the add-ons.
Why should you review your car insurance before going back to school?
Back-to-school season often means more time spent on the road. Reviewing your car insurance can help ensure you're protected against accidents, vehicle damage, and third-party liability during:
- School drop-offs
- School pick-ups
- Extracurricular activities
Learn what our comprehensive and third-party liability car insurance plans entail.