Individual Medical Insurance

Sahatuna

Getting health insurance plans for you and your family is an integral part of financial planning. With changing lifestyles that have made us prone to numerous health concerns and at the same time, rising medical costs, a medical insurance policy is today’s necessity. 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.

Who can buy Sahatuna Individual Medical Insurance?

• Citizens/Residents with valid Visa for stay in Oman
• Age 14 days to 60 years

To Buy or Renew Individual Medical Insurance (Sahatuna): Contact Thamarai Selvan at thamarais@nlicgulf.com

Key Benefits - Health 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

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%

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