Contact Us
ATM & Branches
Individual Medical Insurance (Sahatuna)
A health insurance plan that helps you deal with any sudden health adversity and high medical cost burden, Sahatuna helps you live a worry free life without compromising on your good health needs.
Features and benefits
- Age of Entry: - 14 Days to 60 Years.
- Citizens / Residents of Oman with Valid Visa for stay in Oman
- Out Patient Cover
- Cover starts after 15 days of policy issuance
- Limit for Optional Dental and Optical cover is OMR 250 (Only with Platinum Plan)
| Sahatuna- Individual Medical Insurance Policy | Bronze | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Benefits | Inpatient and Out Patient | Yes | Yes | Yes | Yes |
| Optional Benefits | Dental and Optical (100 Omr), Dental(65 Omr) Only, Optical Only (65 Omr) | NO | NO | NO | Yes |
| Annual Limit per person | OMR 3000/- | OMR 3000/- | OMR 5000/- | ||
| OMR 5000/- | OMR 5000/- | OMR 10000/- | |||
| Hospital Network | NLGIC Designated Medical Network | Bronze Network | Band B only | Band A, Band B only excluding MPH | Band A, Band B including MPH |
| In-house pharmacy Access | Pharmacy Access within Hospital/ Clinic | No | No | Yes | Yes |
| Territorial Limit- Elective Treatment | Oman, India, Sri Lanka and Bangladesh only | Yes | Yes | Yes | Yes |
| Thailand Only | No | No | Yes | Yes | |
| Other Countries | No | Yes | Yes | Yes | |
| Territorial limit - Emergency Treatment ## | Worldwide excluding USA and Canada | Yes | Yes | Yes | Yes |
| Maximum Limit per Admission or Treatment | As per annual limit | Yes | Yes | Yes | Yes |
| Hospital Accommodation & Services | Coverage for single Private Room | Yes | Yes | Yes | Yes |
| Maximum no days per Admission or Treatment | 45 days | Yes | Yes | Yes | Yes |
| ICU | Direct Billing @agreed rates at Designated Medical Provider Network | Yes | Yes | Yes | Yes |
Consultant's, Physician's, Surgeon’s , Anaesthetist’s Fee | Direct Billing @agreed rates at Designated Medical Provider Network | Yes | Yes | Yes | Yes |
| Diagnostics (X-ray, MRI,CT Scan, Ultra Sound etc.) | Direct Billing @agreed rates at Designated Medical Provider Network | Yes | Yes | Yes | Yes |
| Laboratory | Direct Billing @agreed rates at Designated Medical Provider Network | Yes | Yes | Yes | Yes |
| Medication | Direct Billing @agreed rates at Designated Medical Provider Network | Yes | Yes | Yes | Yes |
| Physiotherapy Charges | Yes | Yes | Yes | Yes | |
| Nursing at home for recovery and in lieu of hospital stay | upto a 14 days per admission or procedure | Yes | Yes | Yes | Yes |
| Pre Existing / Chronic Condition | Not covered for 6 Months (Omr 250 Only) | Not Covered for 1st year, From 2nd Year 50% sum insured | Not Covered for 1st year, From 2nd Year 50% sum insured | Not Covered for 1st year, From 2nd Year 50% sum insured | |
| Deductible / Coinsurance | For each and every claim / visit | OMR 2 | 10% | 10% | 10% |
Transportation expense for inpatient treatment abroad | Amount per person per annum | RO 500 | RO 500 | RO 500 | RO 500 |
Maternity, Psychiatric Treatment, Congenital Hereditary and Birth Defects Treatment | Not Covered | Not Covered | Not Covered | Not Covered
| |
- Major Exclusion - All treatments within the first 15 days from the date of acceptance of the proposal by the insurer.
- Other Exclusions for 1st Year– Hernia , Hysterectomy, Hydrocele , Piles , Surgery on joints , surgery for gastric or duodenal ulcers , Sinusitis and related Disorders , Knee Replacements due to Arthritis , Hip replacements.
- Maternity and related expenses
- Drug Abuse
- Treatments arising out of racing/ hazardous activities
- As a consequence of person under the influence of any alcoholic/narcotic or drug unless administered on the advice of a physician
- Intentional self-injury while sane or insane.
- War and nuclear perils.
- Any treatment or related to HIV /AIDS
- Congenital anomalies
- Cosmetic treatments and routine medical examinations.
Wrong or incomplete information in application form may lead to rejection of claims or benefits.
- For Complaints: complaints.om@livainsurance.com or call 90163868
- For Claims: sibclaim.om@livainsurance.com or call 98883272
Terms & conditions apply
Insurance Products
In partnership with
