In March 2019, Oman’s government introduced compulsory health insurance (known as the Unified Health Insurance Policy or “Dhamani”) for private sector employees and visitors. To finalize the implementation process of the mandate, Oman’s Financial Services Authority (FSA), formerly known as the Capital Markets Authority (CMA), has implemented a new electronic platform for the administration of health care insurance services.
UPDATE
Oman introduces compulsory health insurance policy
The compulsory health insurance is expected to enter into effect once the electronic platform is fully operational by end of 2025.
Key details
The Dhamani scheme mandates basic minimum health coverage that includes inpatient care, emergency services, physician’s fees, outpatient treatment, diagnostic tests, and medications prescribed by a licensed physician.
The annual policy limit for the basic mandated coverage is OMR 4,500, with an inpatient sublimit of OMR 3,000, an outpatient sublimit of OMR 500, and OMR 1,000 for repatriation of mortal remains.
Employers are required to pay the full premium for basic minimum coverage for their employees and dependents.
Policies may include certain levels of deductibles and coinsurance payable by the insured member.
At their discretion, employers may choose to provide additional coverage, such as maternity, dental, and vision benefits.
Visitors are required to obtain visitor coverage as part of the entry process.
“E Dhamani”
E Dhamani is a digital platform that acts as the central exchange for all insurance information. In addition, it allows for the settlement of claims, the transfer of funds, the approval of requests, and the verification of insurance coverage.
Registration on the platform is mandatory, and missing or incomplete data will result in a failure to comply with regulations and will limit access to medical providers in Oman on a direct billing basis.
Companies with employees residing in Oman are required to submit the appropriate compliance form to their servicing expatriate insurance carrier. This information should match what is indicated on the employees Oman visa.
Lockton Comment
Since the basic minimum health coverage is low, multinational employers and those competing for skilled talent will likely provide expanded coverage with higher limits for their employees.