Top 10 Insurance Companies in Oman for Expats
Some key insurance companies available for expats in Oman include big names such as AXA, Allianz Care, and Bupa Global, as well as others such as PassportCard or DavidShield. Each insurance company will offer their own coverage areas and benefits while having some limitations.
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Are you an expat in Oman? Are you also looking to stay covered while overseas? Today, this Pacific Prime article will discuss the top 10 insurance companies available for expats in Oman to help expats with their decision-making process.
The Top 10 Health Insurance Companies for Expats in Oman
Some notable health insurance companies for expats living in Oman include AXA, Bupa Global, Allianz Care, PassportCard, and DavidShield. Do keep in mind that while each insurer will offer comprehensive health insurance for expats, each insurer may have their share of limitations or exclusions.
Below are the 10 notable health insurance companies available for expats living in Oman.
- AXA International
- Bupa Global
- Allianz Care
- Cigna
- William Russell
- VUMI
- IMG Global
- DavidShield
- GeoBlue
- NOW Health
AXA International Health Insurance for Expats in Oman
When it comes to available international health insurance plans, AXA features up to five tiers to choose from. These five tiers include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans.
Areas covered by the foundation plan include inpatient hospital costs and surgeries, emergency medical care, medical evacuation and repatriation, cancer treatment, ambulances, and scans such as MRI, CT, or PET.
You can also add outpatient treatment, medical examinations, vaccinations, medication, and dressings coverage.
Next is the standard plan, which covers the same areas as the foundation plan but with the addition of dental care. Moving on, we have the comprehensive plan, which covers the same areas as the standard plan with added chronic conditions and eye examinations and prescription glasses coverage.
Both the prestige plan and its plus counterpart cover the same areas as the comprehensive plan. However, these two plans add maternity and annual health checkup coverage as well.
If you would like to learn more about the annual limits or any other medical insurance products available from AXA, please check out our page on AXA for further reading.
Bupa Global Health Insurance for Expats in Oman
Bupa Global specializes in expat health insurance as well as group health insurance and each health insurance plan will vary depending on where the expat is located. The four tiers of health insurance plans from Bupa Global include Major Medical, Select, Premier, and Elite.
Out of the four plans available, the major medical plan is the simplest plan while elite is the most comprehensive. If you would like to learn more about the coverage area of each health insurance plan from Bupa Global, please check out our page on Bupa Global for further reading.
Below are the annual deductibles of each of Bupa Global’s health insurance plans.
|
Plan |
Annual Deductible (GBP) | Annual Deductible (USD) |
Annual Deductible (Omani Rial) |
| Major Medical | GBP 2,500,000 | Approximately USD $3,174,200 | Approximately 1,221,981.30 Omani Rial |
| Select | GBP 1,250,000 | Approximately USD $1,587,100 | Approximately 610,990.65 Omani Rial |
| Premier | GBP 1,875,000 | Approximately USD $2,380,600 | Approximately 916,466.72 Omani Rial |
| Elite | GBP 3,750,000 | Approximately USD $4,761,300 | Approximately 1,832,971.94 Omani Rial |
Allianz Care International Health Insurance for Expats in Oman
Allianz Care features three international health insurance plans catered to expats. These include the Allianz Care plan, the Allianz Care Plus plan, and the Allianz Care Pro plan.
The Allianz Care plan covers semi-private inpatient and day-care hospital rooms, oncology, medical evacuation, home nursing, rehabilitation, as well as emergency outpatient care.
Meanwhile, the Allianz Care Plus plan covers private inpatient and day-care hospital rooms as well as all the same areas covered by the Allianz Care plan. Additionally, this plan also covers emergency dental care.
On the other hand, the Allianz Care Pro plan covers the same areas as the Allianz Care Plus plan but with the addition of preventative surgery and laser eye treatment coverage. Below are each of the plans’ maximum plan limits.
- Allianz Care: USD $2,500,000 (approximately 962,432.50 Omani Rial)
- Allianz Care Plus: USD $4,000,000 (approximately 1,539,892.00 Omani Rial)
- Allianz Care Pro: USD $5,000,000 (approximately 1,924,865 Omani Rial)
Cigna International Health Insurance for Expats in Oman
Cigna Global’s four tiers of international health insurance plans include the Silver, Gold, Platinum, and Close Care plans. It’s worth noting that while the silver, gold, and platinum plans offer worldwide coverage with the option for US coverage, the close care can only offer domestic coverage.
Below are each of the different plans’ annual limits.
- Silver: USD $1,000,000 (approximately 384,973 Omani Rial)
- Gold: USD $2,000,000 (approximately 769,946 Omani Rial)
- Platinum: UNLIMITED
- Close Care: USD $500,000 (approximately 192,486.50 Omani Rial)
William Russell International Health Insurance for Expats in Oman
William Russell’s international health insurance plans, consisting of the Bronze, Silver, Silver Lite, and Gold plans, are all designed to suit various expats’ unique healthcare needs as well as their budget range.
These plans also allow personalized hospital benefits selections and vary across different coverage limits. The following are the annual benefits limits for each of William Russell’s plans.
- Bronze: USD $1.5M (approximately 577,365 Omani Rial)
- Silver: USD $2.5M (approximately 962,275 Omani Rial)
- Silver Plus: USD $1.5M (approximately 577,365 Omani Rial)
- Gold: USD $5M (approximately 1,924,550 Omani Rial)
To learn more about the various coverage areas and benefits offered by William Russell’s health insurance plan, please visit our page on William Russell for further reading.
VUMI International Health Insurance for Expats in Oman
VUMI offers international health insurance policies for expats with available options consisting of maternity, routine and dental care, as well as optical care coverage. Dental benefits take effect after a 9-month waiting period while maternity benefits begin after a 12-month waiting period.
When it comes to the basic eligibility criteria, all applicants must be 74 years old or younger in order to qualify for VUMI’s Global Flex VIP plans. If you would like to learn more about other eligibility criteria or benefits and coverage, please visit our page on VUMI for further reading.
IMG Global Health Insurance for Expats in Oman
IMG Global’s international health insurance plans are available in four different categories such as Bronze, Silver, Gold, and Platinum. Below are the lifetime limits of each international health insurance plan from IMG Global.
- Bronze: USD $1,000,000 (approximately 384,973 Omani Rial)
- Silver: USD $5,000,000 (approximately 1,924,763 Omani Rial)
- Gold: USD $5,000,000 (approximately 1,924,763 Omani Rial)
- Platinum: USD $8,000,000 (approximately 3,079,620.80 Omani Rial)
The following are optional benefits available for expats to add to their default IMG Global health insurance plans.
- Dental Rider (exclusive to bronze, silver, and gold plans)
- Vision Rider (exclusive to bronze, silver, and gold plans)
- Global term life insurance
- Terrorism (exclusive to platinum plans)
- Sports Rider (exclusive to gold and platinum plans)
If you would like to learn more about IMG Global, including the coverage areas for each plan, please check out our page on IMG Global for further reading.
DavidShield International Health Insurance for Expats in Oman
The DavidShield Group, as a leader in the travel insurance and international private medical insurance (IPMI) field, provides customers with the best access to quality healthcare anywhere at any time all over the world through a dedicated round-the-clock customer service team.
If you would like to learn more about DavidShield, including their various health insurance products available, please check out our page on DavidShield for further reading.
GeoBlue International Health Insurance for Expats in Oman
GeoBlue offers both long and short-term health insurance for overseas medical coverage and features a large international network of up to 1.7 million healthcare providers spanning over 180 countries.
GeoBlue, ensuring quick and easy access to healthcare options for their members, also has a 24/7 phone, online, mobile, and telemedicine service. If you would like to learn more about GeoBlue, including their various plans and coverage areas, please visit our page on GeoBlue for further reading.
Now Health International Health Insurance for Expats in Oman
Now Health International’s health insurance plans cover expats all over the world. Additionally, plans can also be tailored to each expat’s unique healthcare needs and budget range. Options for worldwide coverage consist of including the US and excluding the US.
If you would like to learn more about the various coverage areas and benefits from Now Health International’s various health insurance plans, please check out our page on Now Health International for more information.
Frequently Asked Questions
How many hospitals does Oman have?
There are 69 hospitals in Oman, with a total of over 6,400 beds. This works out to approximately 15.5 beds per 10,000 patients.
Is Oman’s healthcare system good?
Oman boasts a well-developed healthcare system, emphasizing on providing quality medical services to both local citizens and expats alike.
Is healthcare in Oman free?
The Ministry of Health (MoH) offers free universal healthcare to all Omani citizens and expats working in the government sector, including mental healthcare service access and associated medications.
Conclusion
With different levels of coverage available and round-the-clock customer service for easy access to healthcare providers, health insurance companies for expats in Oman such as Bupa Global or Allianz Care have something for everyone.
However, please bear in mind certain insurers may have limitations and exclusions when it comes to certain coverage areas as mentioned above.
As an international health insurance broker with more than 20 years of experience, Pacific Prime has helped both expats and local citizens find an appropriate health insurance plan that suits not only their budget range, but also their unique health insurance needs.
Whether you’re a local citizen yourself or an expat in Oman, our team of specialists will be more than happy to help you out with completely impartial advice with no additional cost. And if you have any further questions, please get in touch with us or get a free quote here.
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Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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