Overview
Insurance in Saudi Arabia is no longer optional paperwork — it is a compliance gate. A valid medical policy compliant with Council of Health Insurance (CCHI) requirements is a prerequisite for issuing and renewing every employee's iqama, active vehicle insurance is required before the istimara can be renewed through Absher, and contract insurance is mandatory on new domestic-worker contracts concluded through Musaned. Omnera One turns these scattered obligations into one managed portfolio.
Instead of negotiating separately with different intermediaries for medical, motor, property, liability, engineering and domestic-worker covers, you deal with one desk. We collect your risk profile once, obtain comparable quotes from multiple insurers licensed by the Insurance Authority, and present a clear recommendation on coverage, exclusions and price — then coordinate issuance end to end.
After issuance, the real value begins: we consolidate all policy expiry dates into one renewal calendar so no iqama, istimara or lease is ever blocked by a lapsed policy, we manage employee additions and deletions on the medical scheme, and when an incident occurs we drive the claim — including Najm procedures for motor accidents — until settlement.
Who is this for?
Companies of every size that must keep employees' CCHI-compliant medical cover, fleet insurance and premises insurance continuously valid to avoid blocked iqama renewals, vehicle-registration holds and uninsured losses.
New market entrants and foreign investors who need compliant policies in place quickly — employee medical for first iqamas, motor cover for company vehicles, and property or liability cover required by landlords and contracts.
Individuals and households seeking well-priced comprehensive or third-party vehicle insurance, family medical cover, and the mandatory contract insurance for domestic workers recruited through Musaned.
Key Benefits
One accountable partner for every policy — medical, motor, property, liability, engineering and domestic-worker — instead of several separate intermediary relationships.
Genuine market comparison: quotes from multiple Insurance-Authority-licensed and CCHI-approved insurers, analysed side by side on coverage, exclusions, network and price.
Compliance protection: policies structured so iqama issuance and renewal, istimara renewal via Absher, and Musaned contract requirements are never blocked by a coverage gap.
One renewal calendar for the whole portfolio, with proactive reminders and renegotiated terms before every expiry — no lapses, no last-minute premiums.
Claims driven for you: we prepare documentation, follow Najm procedures for motor accidents, and escalate with the insurer until your claim is settled.
Cost discipline: right-sized covers for your actual risks, fleet and group pricing leverage, and removal of duplicate or unnecessary policies.
How it works
Risk and portfolio review
We map everything that must or should be insured: employee headcount and dependants for CCHI-compliant medical cover, vehicles and fleets, premises and contents, contractual liability exposures, projects requiring engineering cover, and domestic workers. Existing policies are audited for gaps, overlaps and pricing.
Market quotation and comparison
We request quotes from several insurers licensed by the Insurance Authority — and CCHI-approved for medical schemes — then present a comparison covering premium, coverage limits, exclusions, medical network class and claims reputation, with our recommendation.
Policy selection and issuance
Once you approve, we complete the paperwork and coordinate fast issuance: employee medical uploaded so CCHI records reflect coverage for iqama processing, motor policies linked to the vehicle record so istimara renewal via Absher proceeds, and property, liability and domestic-worker covers documented and delivered.
Employee and asset administration
Throughout the year we handle additions and deletions on the medical scheme as staff join and leave, add or remove vehicles on fleet policies, and update sums insured as your premises and equipment change — keeping records aligned with CCHI and Muroor requirements.
Claims support
When an incident occurs, we take over: for motor accidents we guide you through Najm reporting (including the Najm app's remote review for minor accidents with no injuries), and for medical, property and liability claims we compile documentation, submit, follow up and escalate until settlement.
Unified renewal management
All expiry dates sit in one renewal calendar. Well before each renewal we re-test the market, renegotiate terms based on your claims record, and renew without any lapse — so no iqama, vehicle registration or contract is ever held up by an expired policy.
Requirements
For companies: commercial registration (CR), and an employee list with iqama/border numbers, dates of birth and dependant details for the CCHI-compliant medical scheme.
For vehicles and fleets: vehicle registration (istimara) details or customs card for new vehicles, plus driver information where required.
For property, liability and engineering covers: premises lease or ownership documents, description of activities and contents values, and project or contract details where engineering insurance is needed.
For individuals: national ID or iqama, and for domestic-worker cover the Musaned contract details; premiums are quoted by the insurers and confirmed by your consultant before purchase, with any government fees paid at cost.
What you receive
Issued, compliant policies from licensed insurers across all agreed lines — employee medical (CCHI-compliant), motor, property, liability, engineering and domestic-worker — with certificates and policy documents delivered to you.
A portfolio register and unified renewal calendar showing every policy, insurer, premium, coverage limit and expiry date, with proactive renewal management.
Ongoing administration and claims support: member additions and deletions, fleet updates, and full claims follow-up including Najm procedures for motor accidents.
Frequently Asked Questions
Yes. A valid medical policy compliant with the Council of Health Insurance (CCHI) requirements is a prerequisite for issuing and renewing iqamas for private-sector employees and their dependants. We arrange the policy with a CCHI-approved insurer and ensure the coverage is reflected in the records so your iqama transactions proceed without delay.
Driving without valid insurance exposes you to fines and personal liability for accident damages, and the istimara (vehicle registration) cannot be renewed through Absher while the vehicle is uninsured. We track your expiry dates in our renewal calendar and re-quote the market before each renewal so cover never lapses.
For motor accidents, Najm is the official channel for accident reporting where an insured vehicle is involved; minor accidents with no injuries can often be documented through the Najm app's remote review service. We guide you through the report, then prepare and submit the claim file to your insurer and follow up until repair approval or settlement.
Yes. Contract insurance is mandatory for the first two years of new domestic-worker contracts concluded through the Musaned platform, protecting the employer against risks such as the worker's absence or inability to work and preserving the worker's entitlements. Health-insurance requirements for domestic workers are also being applied in phases, starting with households employing larger numbers of workers. We arrange the required policies with licensed insurers and align them with your Musaned contract.
Premiums are set by the licensed insurers based on your risk profile, and we present them to you transparently in the quote comparison — our role is to negotiate the best terms across the market. Our professional fee for managing the portfolio is agreed upfront, and any government fees are paid at cost, with exact figures confirmed by your consultant before you commit.