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Liva Insurance

ليفا للتأمين

92Score

★★★★☆4.0

Customer satisfaction · 1.5M members

Market Leader: 65%+ Health Market Share(2026)

Liva Insurance dominates Oman's health insurance market with 65%+ share and 1.5 million+ customers. Formed from the 2023 merger of National Life & General Insurance (est. 1995) and Al Ahlia (est. 1985), it brings 80+ years of combined experience as a leading multi-line GCC insurer.

Overall Score

92/100

Founded

1995

Headquarters

Muscat

Type

private

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Key Metrics

Market Share

65%+ health insurance

Customers

1.5 million+

Experience

80+ years combined (merger)

Listed On

Muscat Stock Exchange (MSX)

Editorial Ratings

Market Leader: 65%+ Health Market Share(2026)

Rating: B++ (Good) — 65%+ health insurance market share (max: A++)

92AM

Coverage Highlights

✓Dominant health insurance market share (65%+)
✓1.5 million+ customers across Oman
✓80+ years combined experience from merger
✓Comprehensive health plans for individuals, families, and businesses
✓Wide provider network across Oman

Pros

✓Dominant market leader with 65%+ health share
✓Widest provider network in Oman
✓Comprehensive plans for all customer segments
✓80+ years combined experience from merger

Cons

✗Near-monopoly may limit consumer choice and pricing
✗Merger integration still ongoing
✗Premium pricing due to market dominance

Frequently Asked Questions

How did Liva Insurance form?

Liva Insurance was formed in 2023 from the merger of National Life & General Insurance (est. 1995) and Al Ahlia (est. 1985), creating Oman's dominant insurer.

What is Liva Insurance's market share?

Liva Insurance holds over 65% of Oman's health insurance market with 1.5 million+ customers, making it the clear market leader.

Is Liva Insurance listed on a stock exchange?

Yes. Liva Insurance is listed on the Muscat Stock Exchange (MSX), providing financial transparency and regulatory oversight.

What is Liva Insurance's AM Best rating?

Liva Insurance holds a B++ (Good) rating from AM Best (based on pre-merger NLGIC assessment), indicating good financial strength.

Quick Summary

InsurerLiva Insurance

Country🇴🇲 Oman

Overall Score92/100

Satisfaction4.0/5

Members1.5M

Typeprivate

Founded1995

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