Group Medical Insurance

Group Medical Insurance caters to the medical expenses incurred by the employees of an organization and their dependents due to sickness, accident or critical illness on direct billing basis or on reimbursement basis for the following coverage:

  • In-patient only
  • In-patient & out-patient coverage

In-patient Expenses

In–patient medical expense means necessary reasonable and customary cost and expenses for:

  • Hospital room and services during hospital confinement (subject to limits specified)
  • General nursing care during hospital confinement
  • Intensive Care Unit (ICU) expenses ,if found necessary by attending specialist
  • Fees of the consultant, physician, surgeon and anesthetist
  • Ambulance charges

Out-patient Expenses

Vision Insurance shall reimburse for the following reasonable expenses incurred by the Insured as a result of disability/bodily injury/sickness in an authorized hospital/clinic, subject to the limits specified:

  • Consultation
  • Diagnostics (X-Ray/MRI/CT Scan/Ultrasound etc.)
  • Laboratory expenses
  • Drugs duly prescribed by a licensed physician
  • Physiotherapy

Optional Benefits

The following additional benefits can be covered on payment of additional premium:

  • Coverage for pre-existing illness/chronic conditions
  • Dental treatment
  • Optical treatment
  • Maternity expenses
  • Ayurveda & Homeopathy

Territorial Limit

Geographical area for availing the medical facilities are available as detailed below:

Plan 1: Oman only
Plan 2: Oman, India, Pakistan and Sri Lanka
Plan 3: Oman, India, Pakistan, Sri Lanka, Middle-East, Thailand and Philippines

Emergency treatment abroad during business trips and holidays:

Worldwide coverage excluding USA and Canada for Plan 1 & Plan 2 but Plan 3 includes USA and Canada.

Non-emergency (in-patient only) treatment outside the country of residence is at the discretion of the Insurer and subject to pre-authorization and within territorial limits specified.


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