Health Insurance Plans for Individuals and Families
Our Health Insurance policy offer flexible insurance plans to secure your health, as well as the health of your family.
Today’s sedentary lifestyle along with unhealthy eating habits, not getting enough sleep and lack of physical activity has increased the risk of a wide range of health problems. Medical treatments are costly and can lead to financial stress.
In such cases, a good medical insurance plan will help you get the medical treatment you need and avoid financial burden.
GET A FREE INDIVIDUAL HEALTH INSURANCE QUOTE


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 good health needs.
PLAN INFORMATION
Differential Benefit Options |
Bronze |
Silver |
Gold |
Platinum |
||
Annual Limit per person (Multiple options) | OMR 3000 | OMR 3000
OMR 5000 |
OMR 3000
OMR 5000 |
OMR 5000
OMR 10000 |
||
Hospital Network* | NLGIC Designated Medical Network | Bronze Network | Band B | Band A,
Band B |
Band A+,
Band A, Band B |
|
Pre Existing / Chronic Condition | Not covered for first 6 months. After 6 months upto OMR 250 | Not Covered for 1st year | Not Covered for 1st year | Not Covered for 1st year | ||
Deductible / Coinsurance | For each and every claim / visit | OMR 2 | 10% | 10% | 10% |
Key Benefits – Insurance Policy
Benefits |
Inpatient and Out Patient |
Remark |
Territorial Limit- Elective Treatment | Oman, India, Sri Lanka, Bangladesh, Thailand and Other Countries |
✔ |
Territorial limit – Emergency Treatment | Worldwide excluding USA and Canada | ✔ |
Hospital Accommodation & Services | Coverage for single Private Room | ✔ |
ICU | Direct 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 |
✔ |
Laboratory | Direct Billing at agreed rates at Designated Medical Provider Network |
✔ |
Medication | Direct 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 | ✔ |
Ambulance | Maximum of 50 per trip | ✔ |
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
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 Cover |
Plan A |
Plan B |
Plan C (For Domestic Helps) |
In patient treatment | Maximum limit of inpatient RO 3,000 per insured person during the policy period | Maximum limit of inpatient RO 3,000 per insured person during the policy period | Maximum limit of inpatient RO 4,000 for domestic workers during the policy period |
Hospitalization for maximum of 30 days per admission | Hospitalization for maximum of 30 days per admission | Admission for maximum of 30 days per time | |
Sharing room accommodation | Sharing room accommodation | Public room accommodation except for cases requiring isolation | |
Insured person transportation to hospital for maximum RO 100 per transport trip | Insured person transportation to hospital for maximum RO 100 per transport trip | Injury transportation to hospital for maximum RO 100 per time. | |
Co-Insurance- Nil | Co-Insurance- Nil | Co-Insurance- Nil | |
Outpatient treatment |
|
|
|
Remains transportation to home country | Maximum limit for remains transportation RO 1000 | Maximum limit for remains transportation RO 1000 | Maximum limit for remains transportation RO 1000 |
Territorial Limit for Treatment of Emergency and Non-emergency medical condition/ailment/diagnosis covered under the policy | This policy shall apply to eligible medical expenses incurred in the territorial borders of the Sultanate of Oman |
OTHER CONDITIONS | |
a | Please refer to Policy terms and conditions for full list of General Exclusions and applicable to this policy |
b | For 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 |
c | Direct 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. |
d | Please 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. |
e | Treatment 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. |
f | Reimbursement 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 |
g | Insured 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. |
h | Insurer 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. |
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
- 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 good health needs.
PLAN INFORMATION
Differential Benefit Options
Bronze
Silver
Gold
Platinum
Annual Limit per person (Multiple options) OMR 3000 OMR 3000 OMR 5000
OMR 3000 OMR 5000
OMR 5000 OMR 10000
Hospital Network* NLGIC Designated Medical Network Bronze Network Band B Band A, Band B
Band A+, Band A,
Band B
Pre Existing / Chronic Condition Not covered for first 6 months. After 6 months upto OMR 250 Not Covered for 1st year Not Covered for 1st year Not Covered for 1st year Deductible / Coinsurance For each and every claim / visit OMR 2 10% 10% 10% Key Benefits – Insurance Policy
Benefits
Inpatient and Out Patient
Remark
Territorial Limit- Elective Treatment Oman, India, Sri Lanka, Bangladesh,
Thailand and Other Countries✔ Territorial limit – Emergency Treatment Worldwide excluding USA and Canada ✔ Hospital Accommodation & Services Coverage for single Private Room ✔ ICU Direct Billing at agreed rates at Designated
Medical Provider Network✔ Consultant’s, Physician’s, Surgeon’s,
Anesthetist’s FeeDirect 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✔ Laboratory Direct Billing at agreed rates at Designated
Medical Provider Network✔ Medication Direct Billing at agreed rates at Designated
Medical Provider Network✔ Physiotherapy Charges ✔ Nursing at home for recovery and in lieu
of hospital stayupto 14 days per admission or procedure ✔ Transportation expense for inpatient
treatment abroadAmount per person per annum ✔ Ambulance Maximum of 50 per trip ✔ 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 Cover
Plan A
Plan B
Plan C (For Domestic Helps)
In patient treatment Maximum limit of inpatient RO 3,000 per insured person during the policy period Maximum limit of inpatient RO 3,000 per insured person during the policy period Maximum limit of inpatient RO 4,000 for domestic workers during the policy period Hospitalization for maximum of 30 days per admission Hospitalization for maximum of 30 days per admission Admission for maximum of 30 days per time Sharing room accommodation Sharing room accommodation Public room accommodation except for cases requiring isolation Insured person transportation to hospital for maximum RO 100 per transport trip Insured person transportation to hospital for maximum RO 100 per transport trip Injury transportation to hospital for maximum RO 100 per time. Co-Insurance- Nil Co-Insurance- Nil Co-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 country Maximum limit for remains transportation RO 1000 Maximum limit for remains transportation RO 1000 Maximum limit for remains transportation RO 1000 Territorial Limit for Treatment of Emergency and Non-emergency medical condition/ailment/diagnosis covered under the policy This policy shall apply to eligible medical expenses incurred in the territorial borders of the Sultanate of Oman OTHER CONDITIONS a Please refer to Policy terms and conditions for full list of General Exclusions and applicable to this policy b For 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 c Direct 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. d Please 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. e Treatment 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. f Reimbursement 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 g Insured 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. h Insurer 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. 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
Who can buy Sahatuna Individual Medical Insurance?
-
- Citizens/Residents with valid Visa for stay in Oman
- Age 14 days to 60 years
How to Buy or Renew:
NLG INSURANCE APP – REGISTER AND VIEW YOUR E-MEDICAL CARD
Why National Life & General Insurance Co. SAOG (NLG)
No.1 health insurers in Oman
Easy and worry-free claims settlement
Wide network of sales/service touch points
24 x 7 Call Center to assist you with your medical
In-house claims management
How to Submit your Claim
Our dedicated health insurance claims department is always available to help whenever you require assistance, we also offer an easy claims submission process for a smooth and time-saving experience. Check NLG Claims process here.
