Residents of Oman are required to have a certain level of health insurance by law. Further, COVID-19 has enhanced the need for a financial backup for medical expenses. Health insurance can ensure that you receive the best treatment in sickness, and emergencies, in a way that the costs don’t become a financial burden for you.
It is important to choose the right plan that suits your individual needs. Here are some tips to consider when choosing the best medical insurance plan.
Consider Individual Plans
This offers a personal sum insured. The Sum Insured cannot be shared with your family members. You can make sure each of your close ones has a single policy in their name. This is required if you have aged parents. They are likely to fall sick often and need extensive coverage. An adequate individual policy helps in such cases. It ensures that everyone in the family has financial backup to cover the medical costs, even if your parents utilise their policies time and again.
Check the Inclusions
The policy should be able to cover a wide range of expenses. This will help you deal with sudden adversities and high-cost burdens. Tick off the following before purchase:
- Hospital accommodation and services
- Diagnostics like X-ray, CT scan, and MRI
- Physiotherapy charges
- Ambulance with 50 people per trip
- Nursing at home for recovery
- Laboratory and medication charges
- Elective treatment, both in-patient and out-patient in Oman and other countries
- ICU charges
- A huge network of hospitals and clinics
Covering these can reduce financial stress and help get the medical attention that you need.
Make sure the company is offering a simple claim settlement process. A dedicated team must always be available to help whenever required. Ensure to look for a flexible, affordable medical coverage with wide medical network