If an employee health insurance plan has co-insurance, members might have to pay a certain percentage of the treatment cost. This amount will depend on:

• The Co-insurance percentage for all Out-Patient services as mentioned on the ID Card
• Whether a member visited an In-Network Provider on a Direct Billing basis or an Out-of-Network Provider on a Pay-and-Claim basis in an Emergency

On the other hand, a deductible is a fixed amount that you need to pay when you visit a doctor for a consultation.
*Please check with your insurance provider to know more about the group medical insurance plan details and if there are additional co-insurances that may be applicable

Employer insurance may only cover basic inpatient and day-patient treatments, as required for compliance and which also may vary from company to company and benefits offered by various plans.

The Sultanate of Oman mandates that all residents are required to have at least a minimum level of medical insurance coverage with minimum benefits (pursuant to the prescribed provisions of Resolution No. 34 of 2019). To get the best health insurance for expats in Oman, you can check out Cigna.