Individual Medical Insurance
Leaders in Health Insurance in Oman
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OMR
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Million
GWP in 2019
Individual Medical Insurance
Sahatuna
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 Manish Kumar at mkmishra@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 2000 OMR 3000 |
OMR 2000 OMR 3000 OMR 5000 |
OMR 2000 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
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