Oman Health Insurance

An independent review by our team of experts.

Review summary

Oman Insurance

Oman Insurance Company (OIC), established in 1975, is a leading insurance provider in the Middle East. With its headquarter in Dubai, it has 15 branches in the UAE, and caters to other GCC countries such as Oman and Qatar.

Oman Insurance Company is rated as ‘A-Excellent’ by AM Best and ‘A-Stable’ by Standard & Poor’s, and is supported by several reinsurers like Swiss Re, Munich Re, Allianz, and Arig.

Overview

Oman Insurance provides medical insurance plans to individuals, families, and corporates in the UAE, and is one of the DHA (Dubai Health Authority’s) participating insurers.

Individual plans

Oman insurance offers DHA  basic compliant plans for individuals, which generally cover drivers, domestic workers and dependents of sponsors.

For more details about these plans, please download the fact sheets, benefits table and plan details from the additional resources section located at the end of this page. 

Corporate medical insurance plans

Employers of small medium enterprises (SME’s) in the UAE can provide quality, yet affordable health insurance plans for their employees with Oman Insurance’s corporate plans. Oman Insurance provides 3 main plans, with slight variations based on the different emirates, and the health authority regulations therein.

Premium plan

  1. Policy year maximum plan benefit of AED 3,000,000
  2. The geographic area of cover – worldwide or worldwide excluding USA and Canada
  3. Access to premium network
  4. Pre-existing conditions covered up to AED 150,000
  5. Covers services such as hospital accommodation, surgical fees, psychiatric care, doctor’s and diagnostic fees and more
  6. Maternity paid in full
  7. Optional benefits at a premium – routine dental and optical benefit

Comprehensive plan

  1. Policy year maximum plan benefit of AED 1,000,000
  2. The geographic area of cover – worldwide excluding USA and Canada or UAE, Arab countries, South East Asia, and the Indian Subcontinent.
  3. Access to comprehensive plus network or comprehensive network
  4. Pre-existing conditions covered up to AED 150,000
  5. Covers services such as hospital accommodation, surgical fees, psychiatric care, doctor’s and diagnostic fees and more
  6. Maternity paid in full
  7. Optional benefits at a premium – routine dental

Standard plan

  1. Policy year maximum plan benefit of AED 500,000
  2. The geographic area of cover – UAE, Arab countries, South East Asia, and the Indian Subcontinent
  3. Access to the comprehensive or standard network
  4. Pre-existing conditions covered up to AED 150,000
  5. Covers services such as hospital accommodation, surgical fees, psychiatric care, doctor’s and diagnostic fees and more

For further information please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • Large insurance provider, well recognised across the GCC
  • Strong financial ratings
  • Well-designed online portal for claims policy management
  • Flexible SME plans
  • Provides insurance to members earning around AED 4K.

The cons

  • Slow turnaround time for additions or any escalations
  • Rigid with internal procedures, often causing delays including scheme set up so sufficient time needs to be allocated for policy set up
  • SME/business standard plan excludes work-related injuries and road traffic accidents coverage.
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with Oman Insurance?

Please refer to the network list in the resources section below.

How long does it take for a claim to be processed?

After submitting a claim, reimbursements can be expected in around 3 weeks.

Can I review the status of my claim online? What are the other ways to follow up?

You can review the status of your claim online or call the toll-free number on 800-4746.

Alternatively, for general enquiries email service@tameen.ae and for complaints email complaints@tameen.ae.

How do I submit a claim?

You can submit your claims online.

Customer reviews
Customer Review

I'm torn...on the one hand we've had a good experience with Oman, but not until we'd finished the sign up process.  In fact, the process was so painful and long-drawn out we almost backed out.

After it was all set up we've found them to be good from our perspective in HR, but have heard of issues around claims from our staff...that's not ideal.

You don't want staff to be ill - and you certainly don't then want them to suffer stress when a claim is rejected and there is no way to escalate.  OK, so this has only happened a could of times, but we're looking at our options to see if we can improve in terms of ongoing support for members with another insurer.

Expert verdict
Expert Assessment of Oman Insurance

Oman Insurance Company is a well-recognised insurance provider in the Middle East region. The majority of leading hospitals and clinics work with Oman Insurance Company, and are therefore are aware of the policy procedures to ensure efficient claim submissions. SME plans are well priced and flexible, allowing a choice of 3 categories, networks, deductibles, annual limits, area of cover, dental, optical and pharmacy co-insurance.

Companies with as few as 2 employees can opt for group medical insurance and policies can be split across different emirates easily.

Their portfolio size and consistent plans has lead to very stable premium increases, usually in line with inflation.

Oman Insurance also caters to large corporates, and is one of the participating insurers that provide basic health cover to members earning under AED 4K.

The sign-up process can be convoluted, and includes more forms and processes than the majority of their competitors. Also, their internal processes tend to be slow, with limited options for escalations. Claim reimbursements can take around 3 weeks, and medical cards can take over 2 weeks to arrive.

On the plus side, they have a well-designed online portal that allows ease of claim submissions and policy management.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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