01
Document overview
Regulates insurance sales and servicing through websites, applications and smart systems, including prior approval, platform governance, customer disclosure, payments, cyber security, data, record keeping and contractors.
02
Scope and exclusions
Applies to
Applies to insurance and takaful companies and insurance brokers conducting electronic insurance operations within Oman's regulatory perimeter.
Limitations and exclusions
A website or application does not replace an insurer or broker licence; data protection, AML/CFT, e-commerce and product-specific rules also apply.
04
Official source
FSA Decision E/80/2023 · published 24 September 2023 · Oman Financial Services Authority / MJLA
September 13, 2026
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