Oman health insurance: Your 2025 guide to regulations, costs, and easy online purchase
Whether you live in the UAE and cross the border regularly or you are relocating to Muscat, understanding Oman health insurance is the first step to protecting your wellbeing and your wallet. In this 2025 guide we break down mandatory rules, average prices, coverage options, and the fastest way to buy a compliant policy online.
Is health insurance mandatory in Oman?
Since the rollout of the Unified Health Insurance Policy (UHIP), mandatory health insurance in Oman applies to all private-sector employees, visitors, and residents. Employers must provide a minimum level of coverage that meets the Capital Market Authority (CMA) guidelines, including inpatient and emergency benefits. Tourists and new visa applicants must also show proof of medical cover when entering the Sultanate.
Failure to hold an approved policy can lead to visa delays, fines, and rejection of residency permits, so staying insured is no longer optional.
Main types of Oman health insurance plans
| Plan category | Typical insured groups | Key benefits |
|---|---|---|
| Basic / Essential | Low-salary workers, visitors | Emergency care, inpatient treatment, government hospital access |
| Standard | Mid-level employees, families | Inpatient + outpatient, maternity, diagnostics |
| Enhanced | Executives, Golden Visa holders | International networks, dental & optical, wellness checks |
Choosing between these tiers depends on your residency status, employer allowance, and desired hospital network. If you need cross-border coverage that also works in the UAE, look for an Oman insurance health coverage upgrade that includes GCC treatment networks.
Oman health insurance prices in 2025
Premiums vary by age, benefits, and underwriting method. Recent CMA filings show the following indicative annual ranges:
- Basic expat worker: OMR 40 – 60 (AED 380 – 570)
- Mid-range family (2 adults + 2 kids): OMR 250 – 400 (AED 2,350 – 3,750)
- Executive worldwide cover: OMR 650 – 900 (AED 6,100 – 8,450)
To trim costs, compare policies that apply co-payments on outpatient visits, raise elective maternity limits, or restrict treatment to Oman-based hospitals. Always balance savings with realistic healthcare usage.
How to buy Oman health insurance online from the UAE
- Visit the dedicated Oman Health Insurance page on insurancehub.ae.
- Enter traveller or resident details to see live quotes from 50+ insurers, including regional leaders such as Dhofar, National Life, and Bupa.
- Our licensed consultants call back within 15 minutes to refine benefits and highlight any Oman insurance health claim form requirements.
- Pay securely online and receive a digital certificate accepted by the CMA and Omani immigration.
Because policies are issued electronically, you can complete the entire process before you leave Dubai- perfect for weekend road-trippers who forget paperwork until the last minute.
Filing an Oman insurance health claim form
When treatment occurs inside the approved network, your provider will settle bills directly. For reimbursements:
- Download the bilingual PDF claim form from the insurer’s portal or request it via the InsuranceHub customer desk.
- Attach stamped medical invoices, diagnostic reports, and proof of payment.
- Submit within 30 days of the treatment date. Enhanced plans may extend this to 60 days for overseas care.
- Expect approval or additional document requests within seven working days.
Our team tracks each claim submission so you never chase hospitals or insurers alone.
Cross-border options: Oman insurance health insurance Dubai travellers prefer
Frequent commuters between Muscat and Dubai can bundle GCC benefits into one plan. The Oman Insurance Dubai solution gives UAE-based residents a single membership card recognised in both countries, eliminating duplicate premiums and paperwork.
If you already hold Health Insurance in the UAE, ask about a top-up rider that extends cover into Oman for as little as AED 1 per day.
