International Health Insurance for Expats in Oman

Expats and foreigners in Oman will want to secure a health insurance policy for their time abroad to protect them from the cost of unexpected illness or accidents. This health insurance is also necessary due to the lack of public health insurance for noncitizens.

If you plan on visiting or living in Oman, you should secure the right health insurance plan to help cover medical costs. Pacific Prime can help you find the right plan and budget for your needs. Click here to get a free quote or keep reading to find out more about health insurance in Oman.

Recommended International Health Insurance Plans for Expatriates Living in Oman

The Healthcare System in Oman

Oman’s healthcare system is generally good quality, with both the public and private sectors meeting Western standards. Oman has made significant advancements in areas of health such as sanitization, access to drinking water, and reduction of infectious diseases.

Muscat is home to most of Oman’s hospitals, though you’ll still find good medical coverage in the rest of the country. You’ll find at least one healthcare center within a five-kilometer radius.

The Public Healthcare System in Oman

While nationals have subsidized access to the public healthcare system in Oman, the same does not apply to expats. Expats may get free access to public healthcare during emergencies or cases where they are referred by a health center.

Ambulance fees are charged to you, along with public hospital fees for admissions and stays. You’ll also need to pay for all medical bills immediately.

The Private Healthcare System in Oman

Since public healthcare is not free for expats, many opt for private healthcare instead. Unlike long waiting lists in the public sector, private institutions often have walk-in clinics that allow you to see a doctor right away.

Private sector facilities are generally more comfortable, and the medical professionals usually speak English as well. Private care can be costly, and medical bills need to be paid immediately, which is why it’s advisable to purchase expat health insurance in Oman.

Health Insurance Options in Oman for Expats

Expats can purchase private health insurance for their time in Oman, with the option of choosing long-term or short-term coverage. Long-term health insurance coverage like international health insurance is more comprehensive, with coverage lasting a year or more.

Short-term health insurance coverage can be purchased as part of travel health insurance plans, which include basic medical coverage with travel risk coverage for things like baggage loss. Short-term health insurance offers plans with more comprehensive medical coverage than travel insurance.

Best Private Insurance Providers for Expats in Oman

Some of the best international insurance providers for expats in Oman are Cigna Global, Allianz Care, Bupa Global, AXA Insurance, and William Russell. We will share highlights of these insurance providers and their plans in the sections below.

Cigna Global Health Insurance for Expats in Oman

Cigna Global provides flexible insurance plans to expats in Oman with 24/7 access to a customer care team and access to any private hospital and clinic. Cigna has a Silver, Gold, and Platinum plan with different levels of coverage and limits.

All three of these plans share several common key coverage benefits:

• Inpatient and day patient coverage
• Full cancer care
• Newborn care coverage
• Private hospital rooms
• Hospital stays and treatments

Some additional coverage that can be added to these plans are:

• Dental and vision benefits
• Evacuation and Crisis Assistance Plus™
• Outpatient services
• Health and wellbeing services

Cigna also offers their Close Care plan, which offers basic medical coverage and geographical coverage in Oman and the policyholder’s home country.

Allianz Care Health Insurance for Expats in Oman

One of the largest international health insurance providers on the market today, Allianz Care offers expats in Oman comprehensive and customizable coverage. The main three plans they offer expat individuals and families are Allianz Care, Allianz Care Plus, and Allianz Care Pro plans.

Some of the core benefits shared by the three plans are:

In addition to their core Care plans, Allianz offers add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and Maternity Plan. These plans offer important additional treatment coverage for expats in Oman.

AXA Health Insurance for Expats in Oman

AXA is a leading international health insurance provider that insures expat individuals and families in Oman. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.

Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.

The core benefits included in all five plans are:

William Russell Health Insurance for Expats in Oman

William Russell is a popular international health insurance provider with expats in Oman because of their comprehensive health insurance. They offer health insurance through four standard plans: Bronze, SilverLite, Silver, and Gold. Each plan varies in coverage limits and benefits.

Some of the core benefits shared by these plans are:

William Russell offers its members extensive benefits and enhanced member services, with personal account managers for their clients. They designed these unique features to help members get the most out of their policies.

Facts to Consider When Picking Insurance in Oman

Expats in Oman should consider what their coverage needs are, their budget, and the length of time they plan on being in Oman to choose the best health insurance for their needs. We will discuss these points in further detail below.

• Assess Your Coverage Needs: Do you plan on needing outpatient care for your time in Oman? Or preventative care? Take the time to determine where you may need additional medical support to ensure that you have the right coverage for your health needs.
• Consider Your Budget: Your budget will determine how much you can afford in coverage, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
• Determine the Length of Your Trip: The length of your trip will determine how long you will need to purchase coverage, and whether you will need a travel insurance plan that will last only a few months or something more comprehensive like an international health insurance plan.

Health and Safety Tips for Expats in Oman

Expats can stay safe in Oman by keeping up to date on their vaccines, avoiding bug bites, and avoiding the Yemen border. Oman is a relatively safe country with minimal crime, but expats should still stay alert and practice caution while traveling.

By following the safety tips and precautions below, expats can enjoy a safe and peaceful time in Oman:

1. Receive Any Necessary Vaccinations: Expats traveling to Oman should ensure they are up-to-date on any routine vaccines, such as the Tdap, MMR, and Polio shot. They can also receive vaccinations for Typhoid, Yellow Fever, Measles, Rabies, and hepatitis A and B.
2. Avoid Bug Bites: Dengue and Leishmaniasis are serious illnesses that can be transferred via bug bites, so expats should take all necessary precautions to ensure they are not bitten. Wearing the right bug spray and clothing can help, as well as sleeping under a mosquito net.
3. Avoid the Yemen Border: Expats are urged to stay away from the Yemen border due to a rise in terrorism and conflict there. Expats should not attempt to cross the border into Yemen, and if they try they could be detained by Omani authorities.

How to Find the Best Private Health Insurance in Oman

You can find the right health insurance plan for your time in Oman by shopping and comparing plans online and by contacting an insurance expert like Pacific Prime to help your search. Our team of insurance brokers can help you find the perfect fit for your lifestyle and budget.

We offer a wide range of healthcare plans and travel insurance policies, along with benefit package options including inpatient, outpatient, dental, maternity, and specialist consultations. Contact our team of expert advisors today to receive a free quote and enjoy the peace of mind that our health insurance plans have to offer.