Insurance coverage in Oman

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in Oman: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in Oman.



Generally most of the companies have a medical and life insurance covered for the employee and his family medical insurance. Car insurance is mandate for your car to have a validity and you can choose between 3rd party and full insurance.

If you require additional, you can take personal insurance apart from these for yourself and your family accordingly.

The answer depends on the details of your package if you are an employee. some employers provide housing and transportation so you don't have to worry about insurance.some provide health insurance as well.There remains life insurance?

If you are of different category of the above then you have to do it personally case by case.

I cant give you names, for many reasons

I rather suggest you check Omani Labor law details on internet in this regard cause all abide by.

My best wish

Interestingly, expatriates in Oman do not necessarily need any sort of insurance coverage of their own !

As per the Omani Labour Laws, the employer / sponsor who hires an expatriate has to ensure that all required insurance coverage is provided to the employee, including life insurance. So if any expatriate meets with his maker while during service, then the family would be entitled to receiving a substantial sum as the employee’s life insurance benefits.

Also, every employee is provided with medical coverage of some sort or the other. In some case, the coverage is exhaustive (if the employee is higher up the pecking order), while for some other employees, it will be just the basic. It is entirely dependent on the employee’s position, level and standing in the organisation. In any case, the law states that every employee (recruited through the right channels) must be provided with medical coverage.

Despite this rule in place, there are scores of blue-collar employees / casual labourers and those who come and work here unlawfully who do not get any benefits at all. They have to fend for themselves. For them, life is nothing but a continuing and never ending string of misery. In case they fall ill, they have no other option but to resort to seeking the services of quacks and compounders (a.k.a. unqualified ‘doctors’), who prescribe them medication that cannot be bought off the shelves of pharmacies (since they do not have the authority to prescribe drugs). And so the patient is invariably given peddled and out-of-date drugs and all sorts of unusable medication, which would do more harm than good. Life can be very cruel to such unfortunate expatriates.

Usually companies provide employees with enough medical coverage and also salary for the time taken off work. For example, for up to 1 month of sick leave, an employee is eligible to a certain part of his / her salary. For up to 2 months, the employee is still eligible for some sort of monetary compensation, similarly like this up to 6 months and more (as agreed), an employee has to be paid something by his / her company. This is the rule.

Coming to the place of stay, no expat ever takes a home insurance, or personal effects insurance since most live on company provided accommodation, or on accommodation which is only temporary. Since all expatriates come with a “booked return ticket”, so to speak, no expatriate would willingly opt to take any additional insurance coverage beyond what his / her company provides.

Same is the case with vehicle insurance, which is of course a must, if a vehicle has to be on road. For those driving company provided vehicles, the company would take care of the insurance costs and all other vehicle related expenses like fuel, service, spare parts, etc. For those who use their own vehicles, they would have to buy the insurance for their vehicles, which could be comprehensive, or third party depending on their needs and budgets.

As a long time resident of Oman, I can tell you that until today I have not spent a single Baiza on any sort of insurance. Nor do not intend to do so until the day I stay here.

As most people have mentioned earlier, the employers generally pick up the tab for insurance. I had a specific problem the employer would not cover "mother" within the definition of family . (my company had a specific language which mentioned, self / spouse/ upto 3 children below the age of 21).
I had requested to cover my mother , albeit after deducting the premium from my salary .....however that did not materialize.  It did not occur to me during the time of offer acceptance .... the chances of pushing a thing or too is much easier at that point ...rather than seeking them post joining.

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