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Oman's new health insurance policy to benefit all visitors

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The Capital Market Authority’s (CMA) new health insurance policy form for visitors coming to the Sultanate of Oman will allow visitors to obtain insurance coverage through insurance companies' websites.

Apart from linking the document’s validity period to the duration of the visit, the policy will enable visitors to add new health benefits.

The new policy was announced based on the Insurance Companies Law issued by Royal Decree 79/12 and Royal Decree 90/2004, transferring the insurance competencies from the Ministry of Commerce and Industry to the Capital Market Authority (CMA).

This decision shall be published in the Official Gazette. It shall take effect from the day following the date of its publication.

The health insurance will be provided by the company licensed to engage in health insurance activity in the Sultanate of Oman to a person coming to Oman through land, sea, or air borders.

The health services will be offered by the health service providers approved by the Ministry of Health (MoH) and registered with CMA to provide insurance services and health care in the Sultanate of Oman.

Health care can include a disease or injury that requires the need for continuous or long-term follow-up through consultations or treatment that requires the insured to be registered with the health service provider for a period of no less than one night so that the enrolment period exceeds one hour to obtain the necessary medical attention.

The health insurance form must include details of the insurance application and the policy (linked to the duration of the visit) starting from the moment he enters the Sultanate of Oman.

The insured is obligated to pay the insurance premium in full to the insured before entering the Sultanate of Oman.

The insured may cancel the policy if he does not enter the Sultanate of Oman, and that is within a maximum period of three working days from the date of purchasing the document, and the entire insurance premium is returned to him.

The insured must return the insurance premium to the insured within five working days from the date of cancelling the document.

The insurer must compensate the insured for the recoverable expenses within 21 working days from the date of completing the supporting documents to claim, provided that the insured is provided with documents supporting the claim within a period not exceeding ten working days from the date of incurring those expenses.

The following cases are excluded from the application of the provisions of the document — injury intentionally caused by the insured to himself, experimental therapy, comprehensive examinations that do not require medical treatment as stipulated in the document, any examinations or health services performed for non-medical purposes, those related to medical examination, employment, travel, licensing and insurance, alternative medicine drugs and treatment methods.

Diseases that arise because of the abuse of some medicines, stimulants, or tranquillisers or by the use of alcohol, narcotics, or psychotropic substances are also excluded.

Surgery or cosmetic treatment, unless necessitated by accidental bodily injury, which is not an exception, recreation, general physical health programmes, Hepatitis C treatment, treatment of human immunodeficiency virus (HIV), or related illnesses, is also not included in the policies.

More details can be availed from the insurance providers.

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