Oman is set to launch a compulsory health insurance policy, expected to take effect once the electronic platform is fully operational by the end of 2025. The new Dhamani scheme will require basic minimum health coverage that encompasses a range of services, including inpatient care, emergency services, physician consultations, outpatient treatment, diagnostic tests, and medication prescribed by licensed physicians.
– The annual policy limit for this basic coverage is set at OMR 4,500. It includes an inpatient sublimit of OMR 3,000, an outpatient sublimit (pending details), and a repatriation limit of OMR 1,000 for arrangements related to deceased individuals.
– Employers are obligated to pay the full premium for their employees and dependents’ basic health coverage.
– While policies may feature certain deductible and coinsurance options that the insured individual must cover, employers have the discretion to offer additional benefits, such as maternity, dental, and vision care.
– Additionally, visitors to Oman must secure visitor health coverage as part of their entry requirements.
The “E Dhamani” platform is the central hub for all insurance-related information. It facilitates claim settlement, fund transfers, request approval, and verification of insurance coverage. Registration on this platform is mandatory. Failure to provide complete and accurate information may lead to regulatory non-compliance and restrict access to medical providers in Oman on a direct billing basis. Employers with staff residing in Oman must submit the necessary compliance forms to their expatriate insurance carriers, ensuring that the information aligns with the details specified on their employees’ Oman visas. This initiative marks a significant advance in public health policy in Oman, aimed at providing comprehensive healthcare access for all residents and visitors.
