Oman Health Insurance

Oman Insurance Company or OIC is a composite insurance company that is dedicated to offering DHA-compliant health insurance plans. Headquartered in Dubai, OIC is one of the largest, publicly-listed insurance providers, offering a wide range of services, including but not limited to life, motor, medical and general insurance. It is known for a wide network of healthcare facilities with direct billing options for its buyers and quick claim settlements to add to the experience of its policy buyers. If you’ve been looking for excellence, reliability and innovation in the field of insurance, then Oman Insurance Company is your go-to.

Oman Insurance Company’s DHA Compliant EBP Plans

Oman insurance company offers DHA compliant, affordable health insurance plans starting at AED 560 a year with direct billing facility by 1,500 providers.

With OIC’s user-friendly online platform, customers can easily access, view and manage their plans from the comfort of their home. Right from purchasing plan to filing claims, all the processes can be initiated online without the hassles of visiting providers’ offices.

In case of emergencies, you don’t need a co-insurance in medical facilities outside the network (within UAE). Chronic and pre-existing medical conditions are covered without any waiting period for previously insured members.

Features and Benefits of Oman Health Insurance

Let’s take a quick look at the features and benefits of Oman health insurance: 

Extended Coverage

With Oman Insurance Company, buyers can get an extended coverage of up to 95 years of age, for both expatriates and UAE nationals.

Offers and Discounts

Customers are eligible to enjoy ongoing offers and discounts offered by the provider.

Changing Premium during Policy Period

Customers looking forward to changing their premium during an ongoing policy can do so simply by contacting OIC’s customer service team or by raising a request through their online portal.

Worldwide Coverage

OIC offers worldwide ensuring coverage for its customers irrespective of their location.

Permanent Disability and Critical Illness Coverage

Policyholders can increase the protection cover by opting for permanent disability and critical illness coverage that ensures protection till the age of 65.

Types of Oman Health Insurance Plans

Oman Insurance Company offers DHA (Dubai Health Authority) approved EBP plan that provides coverage to policyholders and their family members in the UAE. Refer to the section below for a quick run-down on the details of DHA EBP plans:

The DHA EBP by Oman insurance company provides an annual benefit of AED 150,000 within the UAE and Abu Dhabi in case of emergencies. The plan includes a co-payment of 20% for inpatient, outpatient, and laboratory services. Similarly, 30% co-payment for pharmacy expenses incurred during the treatment under health insurance plan. Oman health insurance has an extensive billing network of over 500 hospitals and 1400 pharmacies.

Under this plan from OIC, there is a mandatory waiting period of six months. However, buyers who are already insured with OIC are exempted from this.

Oman Health Insurance Prices in UAE

Here is an overview of Oman Medical Insurance Prices in Dubai, UAE:

If Income is less than AED 4,000:

Category	Price
Domestic Help	AED 560
Family and Yourself

If Income is more than AED 4,000:

Age	Price (AED)
	Male	Female
0 - 6	1,658	1,517
7 -16	825	803
17 - 35	868	2,927
36 - 45	1,366	2,239
46 - 50	1,901	2,498
50 - 55	2,471	2,525
56 - 60	3,201	3,711
60 - 65	3,602	4,179
66 - 70	4,310	5,003
> 71	5,160	5,990

Oman Health Insurance Plan Inclusions

Inpatient inclusions under the DHA EBP from Oman Insurance Company are:  

• Total coverage of AED 150,000
• Patient accommodation in hospital with 20% co-payment
• Diagnostic procedures
• Medical emergencies with 20% co-payment
• Transportation (ambulance and airlifting) with 20% co-payment
• Gynecological procedures and expenses incurred in inpatient maternity 
• Accommodation for individual (up to 16 years old) accompanying patient for AED 100 per night.

List of inclusions on outpatient services offered by Oman Insurance Company-

• Medical examinations
• Diagnostics
• Consultations with 20% co-payment
• Laboratory tests with 20% co-payment
• Diagnostic Imaging test  with 20% co-payment
• Physiotherapy with 20% co-payment
• Pharmacy expenses

Oman Health Insurance Plan Exclusions

The exclusions under Oman Health Insurance plans are: 

• Procedures and treatments that are not medically necessary.
• Orthodontic procedures.
• Surgical procedures performed by unauthorized practitioners
• Mental illnesses both inpatient and outpatient
• Acupuncture, acupressure, homoeopathic treatments, etc.
• Ailments caused due to nicotine consumption

Oman Health Insurance Renewal Process

For getting your Oman Health Insurance Plan renewed all you have to do is login to the portal and request for renewal. Once you’ve raised a request, you will be redirected to the payment gateway. Your renewal request is successfully completed once the payment is made. 

Oman Health Insurance Claim Process

The Oman health insurance claim process is simple and hassle-free. Customers can choose the medium of claim based on their preference and convenience. All you need to do is fill out the Oman Insurance claim form and submit it along with relevant documents for further processing. This can be done by both online and offline means. Funds are disbursed on successful submission of the claim form and investigation. 

Documents required for claim submission and processing:

• Claim form
• Medical bills and invoices
• Policy papers
• Identification proof
• Valid UAE visa for expatriates
• Other documents as per the provider’s requirement.

Why Choose Oman Insurance Company?

Oman insurance company Dubai is one of the most reliable and popular insurance and finance service providers in the UAE. You can opt for one of the best health insurance plans from Oman Insurance Company to experience globally recognized customer services and enjoy plans that are curated to suit your medical needs.