Dhamani Health Insurance in Oman
Make sure your Dhamani-compliant health insurance is live before residence renewal - or watch the renewal stall.
Last verified: 2026-06
Overview
Dhamani is Oman's unified health insurance platform, designed to bring private health cover for expatriate workers and visitors under one supervised scheme. The Capital Market Authority oversees it and licensed insurers issue the policies.
For most expatriate workers, the employer purchases a Dhamani-compliant policy. Coverage and minimum sum insured are set centrally; rollout has been phased, so always confirm whether your sector is currently mandated.
Documents required
- Passport copy
- Resident card or labour clearance
- Employer's commercial registration (for employer-purchased policies)
- Salary band / job category
Eligibility
- Expatriate worker holding or applying for a residence visa
- Employer is registered and active under the Dhamani scheme (where mandated)
Fees
| Item | Amount | Notes |
|---|---|---|
| Basic Dhamani policy (per worker, per year) | 50-150 OMR | Varies by age, sum insured, and insurer - confirm current rates with a licensed broker. |
| Higher-tier policy (per worker, per year) | 150-400 OMR | Covers higher sums, dependents, or expanded networks. |
Step by step
- 1
Employer selects a licensed insurer
Employer chooses a Capital Market Authority-licensed insurer and a Dhamani-compliant product matching the worker category.
online
- 2
Policy issued and uploaded to Dhamani
The insurer issues the policy and registers it on the Dhamani platform against the worker's civil number.
Same day · online
- 3
Worker receives policy details
Worker is given a copy of the policy, network of providers, and any digital health card.
either
- 4
Renew alongside residence
Renew the policy in step with residence visa renewal. Lapses are a common cause of residence renewal delays.
online
Processing time: Same day to a few working days for policy issuance.
Where to do it online
- Oman eGov
Access Dhamani-related services via single sign-on
Insurance brokers and some Sanad offices help small employers buy Dhamani-compliant policies for workers.
Renewal
Policies are typically annual. Renew before the residence visa to avoid Dhamani-related blocks at ROP.
Fines & penalties
- Employers failing to provide mandated cover face Capital Market Authority and Ministry of Labour penalties
- Lapsed insurance can stall residence visa renewal
- Using non-Dhamani-compliant policies where the scheme is mandated may not count
Common pitfalls
- Assuming any old private policy will satisfy Dhamani - it may not
- Letting cover lapse over the renewal window
- Buying the minimum policy and then being surprised at out-of-network charges
- Not covering dependents whose residence depends on yours
FAQs
Dhamani is Oman's national health insurance platform that standardises mandatory private health cover for expatriate workers under the supervision of the Capital Market Authority.
The employer is responsible for buying a Dhamani-compliant policy for expatriate workers, similar to other GCC schemes.
Rollout has been phased by sector. Many sectors are already mandated, others not yet - confirm with your insurer or the regulator for your specific case.
No. Employers can extend cover to dependents at additional cost, but it is not automatic.
Dhamani is a private health cover scheme. Public-sector access for expatriates is governed separately and is usually fee-based.
Skip the hassle
A vetted typing centre can handle the paperwork end-to-end.
Get help with Dhamani Health Insurance