Health insurance

I guess you got this one wrong, doctors are not cheap here and usually healthcare (partly) is taken care by the employer (as a part of the employment contract). If your employer is not taking care of your healthcare then you will need a medical insurance for sure.

T&R

Well , to some part I guess health care is cheap .

Health centers are easily accessible and are cheap compared to "Private Hospitals"

My employer was the one who told me. I'm used to paying around $60 for a 15 minute visit to the doctor. So $20 is cheap to me. What do you usually pay??

A consultation can be between BD15 and BD30 depending on a GP or specialist. My son and I have both needed surgery here at a cost of around BD3000 each.

I feel your employer is telling you it's cheap so that he doesn't have to pay your medical insurance. I would negotiate with him to ensure you are properly covered.

Maids and low income people get cheap medical care at medical centres and Salmaniya Hospital but I prefer to use AMH

Ditto that.
The public health care system is a mad house really and the people you have to work with aren't always pleasant.