Oman Insurance Company - Basic Plan

Oman Insurance Company
Yearly Cover
AED 150,000.00
20% co-pay for some in-patient treatments up to a maximum of AED 500 (annual cap of AED 1,000); 20% co-pay on out-patient treatment & 30% on prescriptions
Chronic Conditions
Covered with a waiting period of 6 month for new members
Pre-Existing Conditions
Not Covered


Ambulance Coverage
Covered for in-patient treatment with pre-authorization
Hospital Accomodation
Shared room with pre-authorization
Hospital Cash Benefit
Not Covered
Parent Accomodation
Up to AED 100 per night with pre-authorization


Covered for children up to age of 6 years
Up to 6 sessions for out-patient treatment with 20% co-pay & pre-authorization
Covered; pre-authorization required for in-patient treatment & out-patient CT scans, MRI scans & endoscopies; 20% co-pay for out-patient treatment
Health Checks
Diabetes screening as per DHA
Psychiatric Treatment
Not Covered
Alternative Medicine
Not Covered
Prescription Drugs
Not Covered
Network Coverage
38 Hospitals
506 Clinics
27 Laboratories
1653 Pharmacies
6 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
Elective treatment covered 100% at actual with pre-authorization, if treatment is not available within the network; emergency treatment covered 100% at actual on reimbursement basis
Pregnancy Cover
Covered 100% for out-patient maternity (8 visits to PHC, 3 ultra scans); up to AED 7,000 per normal delivery & AED 10,000 for C-section, abortion & complicated pregnancy with pre-authorization; 10% co-pay
Newborn Baby Cover
Covered up to AED 150,000 for 30 days from birth; preauthorization required for in-patient treatment
Natal Complications
Up to AED 10,000 with 10% co-pay & pre-authorization
Dental Coverage
Not Covered
Accidental Damage to Teeth
Not Covered