Health takaful insurance is a financial safety net that covers medical expenses arising from illness, injury, or preventive care. By paying a regular premium, individuals or groups gain access to healthcare services without bearing the full cost out of pocket.
At Takaful Oman, we recognize that every person's health journey is unique. Our Health Takaful Insurance products are designed to provide comprehensive healthcare solutions tailored to your needs, ensuring you have access to quality medical care whenever you need it.
Our medical plans are crafted to provide you and your loved ones with true peace of mind, reliable financial protection, and access to essential care when it matters the most, all while offering the most affordable health insurance in Oman.
Individual health insurance provides medical coverage for a single person or a family altogether, ensuring access to quality healthcare without the burden of high medical costs. It is designed to safeguard your health and financial well-being by providing hospitalization, treatments, and preventive care.
At Takaful Oman, we prioritize your personal wellbeing and choice as needs vary by individual circumstances; we offer two most attractive health plans in Oman (Gold and Silver) each designed to offer the right balance of coverage and affordability.
Also, unlike conventional insurance, our Takaful model operates on Shariah compliant insurance solutions which are built on ethical principles.
Explore our offerings in detail to discover how we can contribute to your overall well-being and protect what matters most your health.
Geographic flexibility with coverage beyond Oman's borders
Financial protection against high medical costs
Access to quality healthcare through a wide hospital network
Support during emergencies with cashless hospitalization options
Consider your age, lifestyle, and any existing health conditions. Think about potential future needs such as maternity, dental, or optical care. These factors help the insurer customize a plan that suits you best.
Review the scope and limits of coverage provided. Ensure the plan includes essential services such as hospitalization, outpatient consultations, diagnostic tests, prescribed medicines, and preventive care.
Check the insurer’s hospital and clinic network. A wider network ensures you can access quality healthcare facilities conveniently and benefit from cashless treatment options.
Balance the premium cost with the benefits offered. Choose a plan that provides comprehensive coverage without straining your budget, while still protecting you against major medical expenses.
Evaluate whether you need additional benefits such as dental care, maternity coverage, or optical services. These additions can enhance your protection and provide peace of mind.
Benefits
Hospital Accommodation, Accidents and Emergencies, Intensive Care and Operation Theatre Costs, Surgical Operations and procedures, Surgeons, Anesthetists and Physicians fees, Prescribed Medicine and drugs, Surgical Appliances, (Artificial body parts surgically implanted to form parts of an insured's body), Diagnostic tests, Oncology Treatment, Radiotherapy and Chemotherapy, Ophthalmology, Acute (reversible) kidney failure, Physiotherapy.
Services
The following Elective/Planned services such as but not limited to require pre-authorization
Benefits
Diagnostic tests, Specialists, Consultants, General Medical Practitioner and Family Physician fees, Out-Patient home visits for emergency conditions, Oncology, Prescribed Medicines & Dressings, Outpatient Surgical Procedures, Physiotherapy
Services
Services/treatments rendered by the Medical Practitioner in the Out-Patient clinic or that which do not require a stay in the hospital is termed as Out-Patient Service. You should note that some non-urgent services require pre-authorization, here are a few examples:
Non-Medical & Preventive Services
Pre-Existing & Chronic Conditions
High-Risk & Hazardous Activities
Infectious & Epidemic Diseases
Substance Abuse & Psychological Disorders
Alternative & Complementary Treatments
Dental, Vision & Hearing
Transplants & Advanced Procedures
Supplies & Equipment
We’ve made claim services simple and transparent by dividing them into two easy options.
· Direct Billing
o Available at Network Providers.
o Bills are settled directly between the provider and TAOI/Respective TPA.
o You only pay for charges not covered under your plan.
· Reimbursement
o For treatments at Non-Network Providers.
o You pay upfront, then submit your claim for reimbursement.
o Processing is subject to:
§ Policy coverage & eligibility
§ Submission of required documents within timelines
Pre-Authorizations
Prior approval may be necessary for certain services/treatments for which your Provider shall contact TAOI/Respective TPA either in writing or over the phone.
With this, both you and your provider can be rest assured of:
Several elements play a role both in selecting a plan and in determining the premium you’ll pay:
“Your health is your most valuable asset.
Partner with Takaful Oman to protect it.”
Takaful Oman's individual health insurance represents a new paradigm in healthcare with tiered plans offer solutions for every life stage and budget, while our digital tools and wellness programs extend value far beyond traditional insurance.
We invite you to explore how our health protection can provide not just financial security but genuine peace of mind for you and your loved ones.
Oman’s population is made up of distinct groups, each with unique healthcare needs. At the heart of our mission is the commitment to provide comprehensive, accessible, and flexible healthcare solutions that reflect this diversity. Our plans are designed to ensure that every individual, whether a citizen, expatriate, or specialized worker can find coverage that truly fits their lifestyle and circumstances.
While Omani citizens benefit from government-provided healthcare, many desire additional private options for greater convenience, faster access, and specialized services. Our plans supplement existing coverage, offering enhanced private healthcare access that empowers citizens to take control of their health with confidence and peace of mind.
Oman’s growing expatriate community brings with it unique healthcare requirements. Foreign professionals and their families often need coverage that extends beyond Oman’s borders, especially for those who travel frequently or have loved ones abroad. Our plans provide geographic flexibility, ensuring that expatriates enjoy seamless healthcare access both locally and internationally.
Certain professions such as construction workers, domestic staff, and industrial employees face higher risks and require dependable healthcare protection. Our plans are designed to safeguard these groups against unexpected medical expenses, offering affordable and reliable coverage that supports their well-being and financial security.
By recognizing the diverse healthcare needs across Oman, we ensure that everyone from professionals to laborers has access to quality medical care. Our plans are more than just insurance; they are a promise of security, health, and peace of mind.
Individual health insurance refers to coverage that individuals purchase independently, rather than through an employer or government program, providing personalized health benefits tailored to their needs.
It helps cover medical costs like doctor visits, hospital stays, Investigations and medicines, in exchange for a timely payment called a premium.
Takaful Oman offers ethical and Shariah-compliant health solutions with competitive pricing, flexible plans, wide hospital networks, and a seamless digital experience.
· Adults: 18 to 65 years
· Dependent children: 3 months to 25 years
The policy is issued on an annual basis (1 year) and is renewable subject to terms and conditions.
Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends. Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees.
Health insurance covers wide-ranging medical expenses like the cost of medicines, doctor's consultations, Diagnostic investigations, surgery, room rent, Physiotherapy, ambulance charges and more.
Yes. The policy offers coverage that goes beyond Oman, so protection can travel with you. Coverage includes Sultanate of Oman under Direct Billing and Reimbursement.
Any treatment Outside Oman in Gulf Region, Southeast Asia (SEA) & Thailand, the Indian Sub-Continent, and the Home Country under the reimbursement basis, subject to policy terms and conditions.
Kindly note reasonable and customary charges applicable for any treatment under reimbursement basis within and outside the Oman as per the eligible network and coverage.
Yes. Emergency and life-threatening medical treatment is covered worldwide, excluding the USA and Canada, subject to the policy terms and conditions on reimbursement basis.
The policy provides access to an extensive hospital network in Oman as per the plan opted:
Yes. OPD benefits include consultations, diagnostics, prescribed medicines, and physiotherapy, with applicable deductibles and co-payments as per the selected plan.
For treatments at non-network providers, expenses must be paid upfront by the member. These costs can then be reimbursed after submitting the required documents, subject to policy limits and eligibility.
Reimbursement claims will be processed subject to reasonable and customary charges applied as per the eligible network.
You can submit the reimbursement claim 100% digitally through Mobile App by our TPA partner ‘HalthPassby MedNet’ and Website ‘www.mednet-global.com’ OR
You can find the reimbursement claim form in the Downloads section of our website. Please click here to get a copy now!
Yes, emergency ambulance services are covered costs for emergency transportation to the hospital up to OMR 100, subject to policy terms.
