Oman Health Insurance Tools 2026 | MOH Compliant Estimators
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Oman Health Insurance
MOH Compliant Calculators

Official 2026 data for MOH regulations, Dhamani, and comprehensive health insurance schemes.

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โœ“ MOH Approved โœ“ 2026 Rates โœ“ 18,000+ Users โœ“ Dhamani Network
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Oman Health Insurance Calculator

Official 2026 MOH compliant Oman Health Insurance Calculator estimator for Oman citizens and expats.

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Oman Health Insurance Guide 2026

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MOH Regulations

Ministry of Health mandates comprehensive health insurance for all expatriates with minimum coverage of OMR 25,000 per year.

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Expat Requirements

All expatriates must have valid health insurance for visa renewal. Employers must provide coverage for employees and their families.

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Dhamani Scheme

The Dhamani health insurance scheme provides standardized coverage for private sector employees and their dependents.

โš ๏ธ Important Update 2026

MOH has expanded mandatory coverage to include dental and optical benefits for all Dhamani scheme members. Fines for non-compliance start at OMR 1,000 per month per employee. Digital insurance cards now mandatory.

Frequently Asked Questions

Everything you need to know about health insurance in Oman

Is health insurance mandatory in Oman? +
Yes, health insurance is mandatory for all expatriates in Oman under the Dhamani scheme introduced in 2022. Employers must provide insurance for employees and their dependents. Insurance is required for visa issuance and renewal.
What is the minimum coverage amount? +
The minimum coverage required by MOH is OMR 25,000 per person per year. This covers inpatient, outpatient, emergency, maternity, and prescription medications. Premium plans can offer higher coverage limits up to OMR 250,000.
Which insurance companies are best in Oman? +
Leading insurance providers in Oman include Oman Insurance Company, Al Ahlia Insurance, Dhofar Insurance, and National Life & General. These companies offer comprehensive Dhamani-compliant plans with extensive hospital networks.
Does Oman insurance cover maternity? +
Yes, all Dhamani-compliant health insurance plans must cover maternity services including prenatal care, delivery, and postnatal care. Standard waiting period is 12 months for new policies.
What are the penalties for no insurance? +
Employers face fines of OMR 1,000 per month per uninsured employee. Visa renewal is rejected without valid insurance. Additional penalties include work permit suspension and potential legal action from MOH.
What is the Dhamani scheme? +
Dhamani is Oman's mandatory health insurance scheme for private sector employees and their dependents. It provides standardized coverage across all participating insurance companies, ensuring consistent benefits and pricing for expatriates.