Individual Medical Insurance Plans

Listed Exclusions for First Year:

The expenses on treatment of Benign Prostatic Hypertrophy, Hysterectomy for Menhorrhagia or Fibromyoma, prolapsed of genitourinary/ intra-abdominal organs, Hernia, Hydrocele, Cholelithiasis, Knee Replacements due to Arthritis, Hip replacements, Rheumatism and other degenerative disorders, dysfunctional uterine bleeding, endometriosis , stones in the urinary and biliary systems; surgery on ears, surgery on skin/ internal tumors/cysts/nodules/polyps; treatment for benign tumors or malignant conditions or for organomegaly, surgery on joints, treatment for prolapsed intervertebral discs, surgery for gastric or duodenal ulcers, Fistula in Anus, Piles, Sinusitis and related Disorders.

Permanent Exclusions

  • All Maternity/Pregnancy related expenses.
  • Intentional self-injury, suicide, alcohol or drug addiction related expenses.
  • Treatments resulting from racing or hazardous activities of any form.
  • Any treatment or related to HIV / AIDS, Sexually Transmitted Diseases & all related medical conditions, its consequences and complications.
  • Treatment for any illnesses or injuries resulting from active or passive participation in War, riots, illegal activity, terrorism or terrorist acts.
  • Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control Treatments.
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  • Experimental, investigative and unproven treatment devices and pharmacological regimens

Note

  • Benefits payable as per policy limits, terms, exclusion and conditions
  • NLGIC underwriting conditions apply
  • The benefits mentioned here are indicative, for detail coverage and policy conditions refer insurance policy or contact us.
  • Network details visit: www.nlicgulf.com
  • Giving wrong information in application form may lead to rejection of claims or benefits.

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.

Advantage of National Life and General Insurance SAOG

Market Leaders in Health Insurance in Oman with vast experience, wide network of service providers, fast and simple in-house claims settlement facilities.

Benefits Inpatient and Out Patient Remark

Territorial Limit- Elective Treatment

Oman, India, Sri Lanka, Bangladesh, Thailand and Other Countries

Yes

Territorial limit - Emergency Treatment Worldwide excluding USA and Canada Yes
Hospital Accommodation & Services Coverage for single Private Room Yes
ICU Direct Billing at agreed rates at Designated Medical Provider Network Yes
Consultant’s, Physician’s, Surgeon’s, Anesthetist’s Fee Direct Billing at agreed rates at Designated Medical Provider Network Yes
Diagnostics (X-ray, MRI,CT Scan, Ultra Sound etc) Direct Billing at agreed rates at Designated Medical Provider Network Yes
Laboratory Direct Billing at agreed rates at Designated Medical Provider Network Yes
Medication Direct Billing at agreed rates at Designated Medical Provider Network Yes
Physiotherapy Charges   Yes
Nursing at home for recovery and in lieu of hospital stay upto 14 days per admission or procedure Yes
Transportation expense for inpatient treatment abroad Amount per person per annum Yes
Ambulance Maximum of 50 per trip Yes