Comprehensive Coverage for Your Health

In an era of sedentary lifestyles, unhealthy eating habits, inadequate sleep, and lack of physical activity, the risk of various health problems has become a growing concern. Medical treatments can be expensive, leading to potential financial stress and uncertainty. However, with our Health Insurance plans, you can be assured that your health and finances are in safe hands.

Our Health Insurance policies are designed to alleviate the financial burden associated with medical treatments. By securing a comprehensive medical insurance plan, you gain the assurance that you will receive the necessary medical care without worrying about the financial implications. Protect yourself and your loved ones from unexpected medical expenses and ensure access to quality healthcare when it matters most.

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Flexible Insurance Plans

We offer a range of flexible health insurance plans that can be tailored to your specific requirements. Whether you are an individual seeking coverage or looking to safeguard the health of your entire family, our policies provide comprehensive protection for all your healthcare needs. Enjoy the flexibility to choose the coverage level, benefits, and network of healthcare providers that best suit your preferences and budget.

Access to Quality Healthcare

With our Health Insurance plans, you gain access to an extensive network of healthcare providers, including hospitals, clinics, and specialists. We partner with reputable medical professionals to ensure that you receive the highest quality care when you need it most. Rest easy knowing that you have a reliable support system to rely on in times of medical emergencies or routine healthcare needs.

Sahatuna Plan

A health insurance plan that helps you deal with any sudden health adversity and high medical cost burden, Sahatuna helps you live a worry-free life without compromising on your health needs.

Plan Information
Differential Benefit OptionsBronzeSilverGoldPlatinum
Annual Limit per person (Multiple options)OMR 3000

OMR 3000

OMR 5000

OMR 3000

OMR 5000

OMR 5000

OMR 10000

Hospital Network*Liva Designated Medical NetworkBronze NetworkBand B

Band A,

Band B

Band A+,

Band A,

Band B

Pre Existing / Chronic ConditionNot covered for first 6 months. After 6 months upto OMR 250Not Covered for 1st yearNot Covered for 1st yearNot Covered for 1st year
Deductible / CoinsuranceFor each and every claim / visitOMR 210%10%10%
Key Benefits – Insurance Policy
BenefitsInpatient and Out Patient
Territorial Limit- Elective TreatmentOman, India, Sri Lanka, Bangladesh,         
Thailand and Other Countries
Territorial limit – Emergency TreatmentWorldwide excluding USA and Canada
Hospital Accommodation & ServicesCoverage for single Private Room
ICUDirect Billing at agreed rates at Designated         
Medical Provider Network
Consultant’s, Physician’s, Surgeon’s,         
Anesthetist’s Fee
Direct Billing at agreed rates at Designated         
Medical Provider Network
Diagnostics (X-ray, MRI,CT Scan, Ultra         
Sound etc)
Direct Billing at agreed rates at Designated         
Medical Provider Network
LaboratoryDirect Billing at agreed rates at Designated         
Medical Provider Network
MedicationDirect Billing at agreed rates at Designated         
Medical Provider Network
Physiotherapy Charges 
Nursing at home for recovery and in lieu         
of hospital stay
upto 14 days per admission or procedure
Transportation expense for inpatient         
treatment abroad
Amount per person per annum
AmbulanceMaximum of 50 per trip
Maximum Age at Entry: 60 Years

Refer to the Sahatuna Plan Individual Medical Insurance Policy – Terms and Conditions for further details          
 

Our Medical Providers

Your health is integral to your quality of life. Our flexible insurance plans are supplemented by a vast medical network to bring you and your family affordable, high-quality healthcare. Check Sahatuna plan network list here 

Sahatuna Basic Plan – Compliant to Unified Health Insurance Policy Issued by CMA

Get coverage against a wide variety of medical expenses such as in-patient and out-patient hospitalization and pre and post hospitalization. Our medical insurance card offers you cashless medical cover and treatment at the network medical centers based on your plan.

Table of Benefits:
Basic CoverPlan APlan BPlan C (For Domestic Helps)
In patient treatmentMaximum limit of inpatient RO 3,000 per insured person during the policy periodMaximum limit of inpatient RO 3,000 per insured person during the policy periodMaximum limit of inpatient RO 4,000 for domestic workers during the policy period
Hospitalization for maximum of 30 days per admissionHospitalization for maximum of 30 days per admissionAdmission for maximum of 30 days per time
Sharing room accommodationSharing room accommodationPublic room accommodation except for cases requiring isolation
Insured person transportation to hospital for maximum RO 100 per transport tripInsured person transportation to hospital for maximum RO 100 per transport tripInjury transportation to hospital for maximum RO 100 per time.
Co-Insurance- NilCo-Insurance- NilCo-Insurance- Nil
Outpatient treatment
  • Maximum limit of outpatient is RO 500 for the policy period
  • Co-Insurance: 15% in designated network providers maximum of RO 20 per visit
    • 30% in non-designated network providers
    • 10% for medication applicable for maximum of RO 5 per visit
  • Maximum limit of outpatient is RO 500 for the policy period
  • Co-Insurance: Nil
  • Maximum limit of outpatient is RO 500 for the policy period
  • Co-Insurance: Nil
Remains transportation to home countryMaximum limit for remains transportation RO 1000Maximum limit for remains transportation RO 1000Maximum limit for remains transportation RO 1000
Territorial Limit for Treatment of Emergency and Non-emergency medical condition/ailment/diagnosis covered under the policyThis policy shall apply to eligible medical expenses incurred in the territorial borders of the Sultanate of Oman
OTHER CONDITIONS
aPlease refer to Policy terms and conditions for full list of General Exclusions and applicable to this policy
bFor treatment availed outside the territorial limit   specified   in   (1)  above in  respect   of   Illness   or   injury   sustained   by   the Insured is not covered under this policy
cDirect Billing at Designated   Medical   provider   Network is   subject   to   annual   maximum   limit,   per   admission   limit   and   sub-limit   per   person applicable   under this policy and if incurred within the territorial limit specified above. Cost of eligible medical expenses will be reimbursed by insurance company after evaluation of the completed claim form along with any other documents to support the claim.
dPlease refer to Annexure 5 of Terms and conditions for    services   warranting   pre-authorization   from   Insurance   Company.   If   services   are   availed   at   outside   the   Hospital Cost   Band   or   at   a   Non   designated   Medical   provider   network   applicable   to   this   policy,   it    is    the    Insured    member’s    responsibility    to    obtain pre-authorization before availing the treatment and failure to obtain such approval would result in denial of the claim.
eTreatment for emergency   conditions   shall   not   require   pre   authorization,   but   such   cases   are   to   be   notified   to   the   Insurer   or   its   administrators   within 48 hours of hospitalization or prior to his/discharge, whichever is earlier.
fReimbursement of Claims arising out of Non-designated network providers- Insurer will reimburse the insured the cost of eligible expenses within fifteen (15) working days, provided completed claim form along with any other documents to support the claim, as specified in the notice of claim mentioned above are submitted to the insurer within a period of one hundred and twenty (120) days from incurring such expenses
gInsured member   shall   have   access   only   to   the   Designated   Medical   Provider (refer to Basic Network Provider List) for availing Direct   billing   Services.   All   other   Medical   providers   shall   be   construed   as Non-Designated Medical provider for this policy.
hInsurer shall not   be   responsible   for   the   non   availability   of   the   treatment   in   the   Designated   Medical   Provider   Network/Hospital   cost   band   chosen   by the   Insured.   If   the   treatment   facility   sought   is   based   on   the   advancement   of   technology   and   is   not   available   in   the   applicable   Hospital   Cost Band/designated   Medical   provider   network    applicable    to    this    policy,    then    cost    of    similar    treatment    in    more    conventional    methodology    would    be adopted to arrive the reasonable and customary charges of the applicable Hospital Cost Band/Designated Medical Provider network in Oman.
Maximum Age at Entry: 65 Years

Refer to the Sahatuna Basic Individual Medical Insurance Policy Wordings for further details.

Our Medical Providers

Your health is integral to your quality of life. Our flexible insurance plans are supplemented by a vast medical network to bring you and your family affordable, high-quality healthcare. Check Sahatuna Basic network list here