2013 CC Energy Development – Oman – Members Guide
AL BADI GROUP
GROUP MEDICAL INSURANCE GUIDE 2021-2022
Member’s Guide 2021 - 2022
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Contents
1. Introduction ........................................................................................................................ 3 2. Medical Insurance & Preface ............................................................................................. 4 3. Claim Process/procedure ................................................................................................... 5 4. Claim denials & pre-authorisation ..................................................................................... 6 5. Important Definitions ......................................................................................................... 6 6. Frequently Asked Questions .............................................................................................. 7 7 A. Annexure I - Hospital Network List (Oman) ....................................................................... 8 7 B. Annexure I - Hospital Network List (UAE)………………………………………………………...............18
8. Annexure II -Table of Benefits .......................................................................................... 25 9. Annexure III - Exclusions ................................................................................................... 28 10. Annexure IV - List of treatments which require pre-approval ......................................... 30 11. Annexure V - Pharmaceutical Exclusions .......................................................................... 31 12. Introduction to National Life Mobile App ........................................................................ 32 13. Reimbursement Claim Form ............................................................................................. 34 14. Helpline Number of National Life………………………………………………………………………………..35
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1. Introduction: About National Life and General Insurance Co SAOG (NLGIC)
NLGIC is a private Life and General Insurance Company that offers a comprehensive range of Life, Health and General insurance products
in Oman. Being the largest Life Insurer in Oman, NLGIC is one of the best in the region with strong financials, unparalleled operating
performance, offering attractive brands, diversified growing business profile and superior service standards. It has built an excellent track
record of customer service with over 200,000 individuals to its credit.
The diversified business profile of the Company includes Individual and Group Life Insurance, Group Credit Life Insurance, Employee benefit
schemes, Banc Assurance, Medical Insurance and an array of General Insurance products. NLGIC is the only Company in Oman that has
been certified with the Insurers’ Financial Strength rating of B++ from AM Best.
Introduction: About ASSARAIN Insurance Services LLC
Who we are
We have established a concrete reputation for our unparalleled technical expertise, value and integrity towards our clients. Our company
develops customized risk management programs and caters to the insurance requirements of a variety of individual clients, businesses and
industries.
Many prestigious clients have entrusted us with their portfolios for the proactive and innovative risk management strategies we offer. We play
an integral role in the development of the local industry and our business encompasses all facets of the insurance business spectrum from
small, private entities to major industrial organizations.
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What we offer
Our experts have developed a host of strategies to provide cost-effective products, superior quality services, consistent fund performance
and a hassle-free claim settlement experience for our customers, whom we value as the core of our business. Offering a tremendous range
of insurance broking and information services, policy placements, portfolio management, administration programs and claims management,
we maintain responsible, comprehensive underwriting principles alongside an uncompromising risk management philosophy. We offer an
array of products that suit the diverse insurance requirements of our customers and enable them to achieve their long-term risk management
and financial goals. Our individual and group life insurance policies encompass both savings and retirement products, and other health and
personal protection products. Our retail and corporate clients enjoy an extensive product selection in all insurance business lines, designed
to protect them against any plausible risks.
With the utmost care and attention, each client is presented with specialized insurance consulting services where all elements of risk are
identified and quantified, with critical recommendations on mitigation. We strive to create long-term value for our stakeholders through our
strong business fundamentals and are committed to setting new benchmarks in the Omani insurance industry.
A proud member of the “Origin Oman” campaign set forth by the Public Establishment for Industrial Estates (PEIE), we are dedicated to the
continuous contribution to the initiatives that aim to preserve and enhance the economic, human and natural vitality of the Sultanate of
Oman.
2. Medical Insurance - Preface
Your company has chosen NLGIC to manage your health care, so you can enjoy medical care when you really need it. The Scheme
provides insurance cover for the benefits detailed below, subject to the terms, limits, conditions and exclusions of AL BADI GROUP medical
insurance policy.
This Benefit Guide sets out the benefits and rules of your healthcare cover. Please read this guide in conjunction with your Table of Benefits,
Medical Card and Insurance Certificate (available on request).
This guide details the geographical area of cover that your company has chosen for you and your dependents (if applicable) as well as the
start date and renewal date of your cover.
Your Table of Benefits outlines the plan(s) selected by your company and the associated benefits available to you. In addition, it specifies
any benefits/treatments which require submission of a Pre-authorization and confirms any benefits to which specific benefit limits, waiting
periods, deductibles and/or co-payments apply. Your Table of Benefits is issued in Omani Rials.
For full details of your company’s insurance contract, please contact your company’s HR. Please note that the terms and conditions of your
membership may be changed from time to time by agreement between your company and us.
Important Note:
This booklet is just a brief reference guide regarding the benefits available under the policy and the claims procedure for
availing the benefits. For a full list of the Benefits, Exclusions and Definitions; please refer to Medical Claims Administration
Service Agreement (TPA). This guide does not replace or override the original policy and the contract signed between the
insurance company and your organization.
Territorial limits
Elective treatment: The principal residence of covered persons under policies covered under this scheme must be
CAT A – Worldwide excluding USA & Canada
CAT B – Oman, Arab Countries, SEA, Home Country excluding USA & Canada
CAT C – Oman, India, Bangladesh, Pakistan & Home Country excluding USA & Canada
Emergency treatment: Worldwide excluding USA & Canada during emergency whilst the member is on business or holiday trip. (Maximum
Inpatient stay – 45 days outside Oman).
CAT A & B - Inside Oman outside Network & Home country- 10% co-pay
CAT C - Inside Oman outside Network - 10% co-pay
Eligible Members
Primary Insured:
All full-time employees and trainees of AL BADI who have not reached their sixty-fifth (65th) birthday in the Insured’s offices in the country of
coverage, Members under Cat A & Cat B can be covered up to 70 years subject to providing their proof of coverage under the previous year
policy/Medical card copy. No coverage above 70 years.
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Eligible Dependents can also be covered under the Medical Benefits with the same terms and conditions. Eligible dependents include:
Spouses up to 65 years
Unmarried dependent children between the ages of 14 day (subject to baby born healthy) and 19 years residing permanently with
the insured person in Oman.
Coverage in respect of the unmarried dependent children shall be extended up to 23rd birthday subject to full time student in an
accredited College or University.
The term dependent shall mean legal wife or husband of an employee or the person living with an Employee in a recognized husband and
wife relationship, who is registered as such in the records of the Insured and Employee’s unmarried children, step children and children
legally adopted, who are within the age limits.
Please note that brothers, sisters, parents, cousins, nieces, nephews and other relatives are not eligible for inclusion under the policy.
The eligibility for the cover shall be guided by AL BADI’s Human Resources policies, within the criterion as mentioned above.
3. Claims Process / Procedure
Direct billing (Cashless Facility) Procedure
Direct billing or Cashless Facility is a facility offered to the insured members whereby the provider network hospitals will provide the
treatment and claim the bills directly from National Life. In other words, the employee need not pay and seek reimbursement.
List of Network hospitals/clinics in Oman is attached as per Annexure 1
Procedure for Treatment in Network Hospital
Present your medical identity cards at the reception
The provider will complete the relevant sections of the claim form
Sign the claim form
Pay the deductible excess if applicable
Consult the Physician/specialist
Carry the relevant portion of the claim form for the procurement of medicines
Reimbursement Procedure (With prior approval only for planned/non-emergency treatment)
In case you have visited a doctor outside the provider network, you have to make payment for the treatment and submit the following to
National Life within 60 days from the date of treatment.
Original claim form duly filled, signed & stamped
Doctor’s Prescription for the medicines
Original detailed and dated receipt
Pre-authorization form, if applicable
Detailed medical and diagnostic and lab reports
Detailed Discharge Summary (for Inpatient Treatment)
Copy of Membership card
All the above documentation should be submitted to NLGIC who will in-turn arrange for the reimbursement directly to the
employee concerned by way of bank transfer, as per the Table of Benefits / Term Sheet as attached in Annexure II, the Policy Contract
applicable to your membership and specific insurance scheme, within 14 working days from receipt of all necessary claim documentation.
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Important: Please note that well documented claims, received within the reporting period, will assist us to settle claims in a faster and
more efficient way.
Claim Denials
Insurers have the right to decline or return submitted Claims, under the following conditions:
Submitting incomplete claim form.
Attaching photocopies of receipts.
Tests, drugs and treatments not prescribed by Physicians.
Diagnosis and Treatment are not medically relevant. Any decision of what constitutes diagnosis and treatment not being medically
relevant rests with your insurer and any such decision shall be final.
Tests, drugs or treatments for which pre-authorization is required in accordance with the terms and conditions of this policy, but
for which the pre-authorization has not been obtained
Services received are excluded under the policy
Expenses in excess of the Reasonable and Customary charges
Claims are submitted after ninety (60) days from the date of treatment
Expenses exceeding annual maximum limits
Treatments after the policy has expired
Treatment was before the insured member’s joining date or before the effective date of the Policy.
Appeals on Claim Denials
Settlement of eligible claims shall be considered final unless objections along with supporting justifications are received in writing along with
relevant reports and facts, within a maximum of one (1) month from the date of receiving the payment/denial. The insurer reserves the right
to deny any objections received after the said period. Insurer will review the justifications received and payments for any approved claims will
be made within thirty (30) days from the date the justifications were received.
4. Pre-authorization of Treatment
This is the validation process where NLGIC determines if your treatment costs are covered and to what limits, as per the Table of Benefits
and Policy Contract applicable to your membership and specific scheme.
Preauthorisation must be obtained for the following conditions:
All Inpatient Treatments (Hospital)
Major investigations such as MRI Scans, CT Scans, and Physiotherapy etc. (List attached)
Who will obtain Pre-authorization?
1- When using Designated Providers - The Designated Provider will seek Pre-authorization on your behalf.
2- When using Non-Designated Providers - You or your Non-Designated Provider must seek pre-authorization from NLGIC.
How?
(1) Call the Emergency Assistance no. at the back of the Member Identity Card
(2) Inform the NLGIC or its representative as mentioned above (Claim registration number need to be provided)
Important: An emergency condition does not require any pre-authorization. However, such conditions are to be reported to NLGIC
within 48 hours.
5. Important definitions
Annual
maximum limits Total amounts that may be claimed in any one (1) policy period by an Insured member. These limits are shown in the
Table of Benefits
Chronic
condition An Illness that persists, or would persist over a long period of time, which is not curable and requires regular
maintenance treatment.
Coinsurance An insurance participation percentage borne by the Insured Member towards the cost of Eligible Medical Expenses
after he/she has paid his/her applicable Deductible amount. The Coinsurance is specified in the Table of Benefits and
is expressed as a percentage of Eligible Medical Expenses after deduction of applicable Deductible amount.
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Deductible A specific amount of Eligible Medical Expenses that must be incurred and paid for by the Insured member before
benefits are payable under this Policy. This amount is payable by the Insured member per each Outpatient
Consultation per visit, per illness, except for a follow-up outpatient visit within seven (7) days for the same Illness and
at the same Physician or Consultant. If the Eligible Medical Expenses are less than the Deductible amount, then the
Insured member will be liable to pay all the expenses incurred. The Deductible amount is stated in the Table of
Benefits and Membership card.
Emergency Emergency can be affirmed in case of an accident, a disaster or any sudden onset or worsening of a severe illness
resulting in a medical condition that presents an immediate threat to the insured member and therefore requires
urgent medical measures. Only medical treatment through a physician, medical practitioner, or specialist and
hospitalization that commences within 24 hours of the emergency event will be covered.
Nursing at
Home Rendering the medical services of a nurse in the Insured member’s home in the country of residence when
prescribed by a Consultant and related directly to an illness for which the Insured member has received inpatient
treatment in accordance with the terms and conditions of this Policy. This benefit is provided in lieu of a hospital
admission where a skilled nurse, under the supervision of the treating consultant, can provide the necessary care at
home for the remaining length of stay of a particular admission or procedure.
Pre-existing
condition Any bodily injury or Illness or its related condition that medically exists prior to the enrolment date of the Insured
member, whether it is known or not known to him, and necessitates the insured member to receive care and
treatment.
Reasonable
and customary
charges
The amount NLGIC recognize for payment for a particular medical procedure/treatment/medication. It is based on
what is considered “reasonable”
for that procedure/treatment/medications in accordance with the market price, in the country where the treatment (if
eligible as per table of benefits) was provided or in the applicable band of designated providers (as specified in the
table of benefits) in the country of residence, whichever is less.
6. Frequently Asked Questions
1. What happens if I exceed my Benefit Limit(s)?
Your scheme only covers you to the maximum financial limits indicated in the Term Sheet. You will not be reimbursed for any costs
which exceed your Annual Maximum Limit, or the benefit sub limits.
Where you incur costs at one of NLGIC’s Designated Providers and the cost of treatment is in excess of the remaining balance of your
benefit limits, you will be responsible for payment of the excess cost amount to either NLGIC or the treating Designated Provider.
2. What shall I do if I lose my Membership Card?
NLGIC will provide you with a membership card which identifies you as a member of the NLGIC Medical Insurance Scheme. Your
membership card must be produced as proof of membership when seeking medical treatment from our Designated Medical Providers.
Should you lose your membership card, inform your HR to request NLGIC to issue a replacement card. NLGIC will issue a
replacement card, which you should receive within one week from the date that the replacement card was requested.
3. Why should I seek treatment from the Designated Providers?
Designated Providers participating in NLGIC’s Network are committed to quality care.
NLGIC constantly assesses new hospitals and medical facilities for inclusion in the Network. Where any providers meet NLGIC’s
quality criteria, they will be added to the Network and you will be regularly updated with the network lists.
NLGIC is endeavouring to manage your insurance programme, professionally and efficiently. NLGIC has better control with the
Designated Providers, which will eventually be favourable to your company.
Kindly note that, as per policy terms and conditions, if an insured member pays for the treatment at a designated provider
the insurer will only reimburse the insured member the agreed charges between the insurer and the designated provider.
4. Where can I obtain further advice and support?
This guide offers most of the information that you will need to enjoy your membership. However, should you require further
information about your entitlement to benefits, or the medical facilities available to you, please feel free to contact us on the hot line
00968 – 24730939, 00968- 99441859 or 00968 - 99343623
NLGIC’s friendly and helpful staff shall assist you.
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7 A. Annexure I – Designated Providers in Oman
Sl.
No
Provider Name Type of Provider Band
A +
Band
A
Band
B
Location Phone No
1 Aarabian dental center Dental Yes Yes Yes Mawaleh 24545718
2 Abu Al Dahab Clinic & Pharmacy Clinic Yes Yes Yes Salalah 91171531
3 Adam Dental Clinic Dental Yes Yes Yes Adam 94030200
4 Aflag Pharmacy - 18th Nov Street Pharmacy Yes yes Yes 18th Nov Street 24822108
5 Aflag Pharmacy -Al Hail Pharmacy Yes yes Yes Al Hail 24822108
6 Aflag Pharmacy -Al Khuwair Pharmacy Yes yes Yes Al Khuwaire 24791638
7 Aflag Pharmacy -Mabella Pharmacy Yes yes Yes Mabela 24822108
8 Aflag Pharmacy -Shell Azaiba Pharmacy Yes yes Yes Shell Azaiba 24822108
9 Aflag Pharmacy -SQGM Pharmacy Yes yes Yes SQGM 24822108
10 Al Abeer Hospital Hospital Yes Yes Yes Ruwi 24770800, 24770828
11 Al Afaq Diagnsotic Centre Imaging Yes Yes Yes Azaiba 24501182
12 Al Ainkawi Medical Centre Clinic Yes Yes Yes Ruwi 24751520
13 Al Amal Medical & Healthcare Centre LLC - Al
Khoud
Clinic Yes Yes Yes Al Khoud 24543070
14 Al Amal Medical & Healthcare Centre LLC - Al
Khuwair
Clinic Yes Yes Yes Al Khuwaire 24485052
15 Al Amal Medical & Healthcare Centre LLC - Ruwi Clinic Yes Yes Yes Ruwi 24815184
16 Al Amal Pharmacy - Al Khoud Branch Pharmacy Yes yes Yes Al Khoud 24485052
17 Al Amal Pharmacy - Al Khuwair Branch Pharmacy Yes yes Yes Al Khuwaire 24815184
18 Al Amal Pharmacy - Ruwi Branch Pharmacy Yes yes Yes Ruwi 24288205
19 Al Andhar Clinic Clinic Yes Yes Yes Salalah 23298547
20 Al Aqash Medical center Clinic Yes Yes Yes Nakhal 26781336
21 Al Awafi Medical Complex Clinic Yes Yes Yes Rustaq 26878656, 92511020
22 AL BAHJA INDIAN AYURVEDIC CLINIC Ayurveda Yes yes Yes Sur 25543220
23 Al Bashayer MRI and Scan CENTER Imaging Yes Yes Yes Al Khuwaire 24488666
24 Al Bashayer Specialised Medical Center Clinic Yes Yes Yes Al Khuwaire 24488666 / 24488667
25 Al Bawarek Pharmacy Pharmacy Yes yes Yes Azaiba 24455561
26 Al Bawarek Pharmacy Pharmacy Yes yes Yes Mobella 25526971
27 Al Bawarek Pharmacy Pharmacy Yes yes Yes Samad Al Shan 25560288
28 Al Bawarek Pharmacy Pharmacy Yes yes Yes Wadi Al Tayeen 25572556
29 Al Bawarek Pharmacy Pharmacy Yes yes Yes Al ayat Ibra 25549111
30 Al Bawarek Pharmacy Pharmacy Yes yes Yes Al Hamdi Ibra 25554211
31 Al Bawarek Pharmacy Pharmacy Yes yes Yes Jalan Bani Bu Ali 24284463
32 Al Bidayah Specialty Clinics clinic Yes Yes Yes Bidaya 24992477
33 Al Buraimi Medical Center Clinic Yes Yes Yes Buraimi 97543355
34 Al Burooj Medical Center L.L.C Clinic Yes Yes Yes Barka 26883676
35 Al Dhahira Polyclinic Clinic Yes Yes Yes Ibri 25689839
36 Al Ehshan Polyclinic clinic Yes Yes Yes Al Kahadra 26712714
37 Al Enaya Medical Complex Clinic Yes Yes Yes Sinaw 25524124
38 Al Essa Dental Clinic Dental Yes Yes Yes Ruwi 24797406
39 Al Faisal Modern Clinic Clinic Yes Yes Yes Al Kamil 25557611
40 Al Farabi Pharmacy Pharmacy Yes yes Yes Muttrah 24543070
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41 aL fAROOQ pHARMACY - sAWADI Pharmacy Yes yes Yes Sawadi 24714687
42 Al Farooq Specialized Polyclinic - Al sawadi Clinic Yes Yes Yes Al sawadi 26795993
43 Al Farooq Specialized Polyclinic - Barka Clinic Yes Yes Yes Barka 26884553
44 Al Farooq Specialized Polyclinic - Mabela Clinic Yes Yes Yes Mabela 24451347
45 AL Hail Clinic Clinic Yes Yes Yes Seeb 24537583
46 Al Hakeem Medical center Excluding Dental Clinic Yes Yes Yes Salalah 23201100
47 Al Haramain polyclinic clinic Yes Yes Yes Berkat Al Mouz 25393380
48 Al Harmain Medical Centre Clinic Yes Yes Yes Nizwa 99472859
49 Al Harman Pharmacy Pharmacy Yes yes Yes Barakat Al Mouz 24539095
50 Al Harmeen Modern Pharmacy Pharmacy Yes yes Yes Mawaleh 26708600
51 AL HASHAR PHARMACY Pharmacy Yes yes Yes Muttrah 24783334
52 AL HASHAR PHARMACY Pharmacy Yes yes Yes Ruwi 24816471
53 AL HASHAR PHARMACY Pharmacy Yes yes Yes Wadi Kabeer 24565789
54 AL HASHAR PHARMACY Pharmacy Yes yes Yes Qurum 24480838
55 AL HASHAR PHARMACY Pharmacy Yes yes Yes Al Khuwaire 24595015
56 AL HASHAR PHARMACY Pharmacy Yes yes Yes Azaiba 23297622
57 AL HASHAR PHARMACY Pharmacy Yes yes Yes Salalah 24700720
58 Al Hassar Clinic Clinic Yes Yes Yes Shinas 26747114
59 Al Haya Medical Complex clinic Yes Yes Yes Suwaiq 92210172
60 Al Hayat Clinic -Al Hail Clinic Yes Yes Yes Al Hail 22063833, 95092995
61 Al Hayat International Hospital Hospital Yes Yes No Al Ghubra 22004000, 97049520
62 Al Hayat Polyclinic - Sohar Clinic Yes Yes Yes Sohar 26845104, 95092995
63 Al Hayat Polyclinic - Ghubra Clinic Yes Yes Yes Al Ghubra 95092995, 22063833
64 Al Hazfa Medical Complex Clinic Yes Yes Yes Nizwa 25431650
65 Al Isaaf Medical Complex Clinic Yes Yes Yes Salalah 23294710
66 Al Jaber Clinic Clinic Yes Yes Yes Al Tharmad 99718965
67 Al Kiyumi Medical Complex Clinic Yes Yes Yes Suwaiq 26708600
68 Al Kiyumi Pharmacy - Oman Pharmacy Yes yes Yes Suwaiq 98844360
69 Al Lamki Polyclinic Clinic Yes Yes Yes Al Khuwaire 24489543
70 Al Lamma Clinic Clinic Yes Yes Yes Ibra 25570165
71 Al Maha Polyclinic LLC Clinic Yes Yes Yes Azaiba 24491803
72 AL MANTHARI MEDICAL CLINIC Clinic Yes Yes Yes Dhank 94216516
73 Al Masa Opticals Optical Yes Yes Yes Salalah 23299366
74 Al Mawasa Clinic (Al Raazi Medical group) Clinic Yes Yes Yes Salalah 23211343
75 Al Mawasa Pharmacy (Al Mawasa trading &
Medical Company) - Saada
Pharmacy Yes yes Yes Saada 98844360
76 Al Mawasa Pharmacy (Al Mawasa trading &
Medical Company) - Salalah
Pharmacy Yes yes Yes Salalah 98844360
77 Al Mawasa Pharmacy (Al Mawasa trading &
Medical Company) - Sanayya
Pharmacy Yes yes Yes Sanaya 24452070, 95200180
78 Al Misk Medical Centre - Suwaiq Clinic Yes Yes Yes Suwaiq 95259510, 22077088
79 Al Mubadar polyclinic Qalaat izki Clinic Yes Yes Yes Qalaat izki 24504213
80 Al Murazza Medical Complex Clinic Yes Yes Yes Salalah 23292450
81 Al Nile Specialized Medical Center Clinic Yes Yes Yes Nizwa 99433808
82 Al Noor Medical Complex Clinic Yes Yes Yes Sur 25545393
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83 Al Raazi Polyclinic - Saada (Al Raazi Medical
group)
Clinic Yes Yes Yes Saada 23225201
84 Al Raazi Polyclinic - Salalah (Al Raazi Medical
group)
Clinic Yes Yes Yes Salalah 23294400
85 Al Raffah Policlinic - Suwaiq Clinic Yes Yes Yes Suwaiq 25443464
86 Al Redha Clinic Clinic Yes Yes Yes Masira 25504045
87 Al Rehana Dental Care Dental Yes Yes Yes Al Ghubra 24486646
88 Al Riyadh Specialised Medical Complex Clinic Yes Yes Yes Salalah 23295296
89 AL RYAM MEDICAL CLINIC Clinic Yes Yes Yes Khasab 71399942
90 Al Saadi Specialized Medical Centre Clinic Yes Yes Yes Musannah 92025033, 2687015
91 Al Sana Clinic Clinic Yes Yes Yes Al Khoud 24543519
92 Al Sawaqam Clinic & Pharmacy LLC Clinic Yes Yes Yes Wadi Kabir 24814359
93 Al Seef Medical Complex Clinic Yes Yes Yes Jalan Bani Bu
Hassan
24730939
94 Al Shahla Medical Complex clinic Yes Yes Yes Adam 72203736
95 Al Shifa Modern Polyclinic Clinic Yes Yes Yes Sohar 26753606
96 Al Shumoos Medical Center Clinic Yes Yes Yes Barka 26984960, 26984960
97 Al Taqwa Medical Center Clinic Yes Yes Yes Nakhal 22384999
98 Al Tharmad pharmacy Pharmacy Yes yes Yes Tharmed 92726761
99 AL Waqaibah Dental Speciality Clinic Dental Yes Yes Yes Sohar 99635244
100 Al Yaumna Medical Centre clinic Yes Yes Yes Shinas 92890082
101 Al Zahir Medical Complex Excluding Dental Clinic Yes Yes Yes Salalah 23291040
102 Al Zahra Medical Complex Clinic Yes Yes Yes Qurum 24571094
103 Al Zayana polyclinic Clinic Yes Yes Yes Ibri 99378979
104 Alawi Clinic LLC Clinic Yes Yes Yes Wadi Kabir 24813903
105 All Seasons Ayurveda Clinic Ayurveda Yes yes Yes Al Khuwaire 24475280
106 ALSHAYMMAA CLINIC Clinic Yes Yes Yes Nizwa 25410841
107 Amana Modern Medical Centre (ex-Assada
Polyclinic)
Clinic Yes Yes Yes Mabela 24452070, 95200180
108 Amana Modern Medical Centre Pharmacy Pharmacy Yes yes Yes Mabela 24488322
109 Ameer Al Sharq Polyclinic clinic Yes Yes Yes Jarda 99367104
110 American Speciality Clinic Center - MSQ Clinic Yes Yes No Madinat Qaboos 24949500
111 American Speciality Clinic Center - Qurum Clinic Yes Yes Yes Qurum 24564200
112 Apollo Health Care Center Clinic Yes Yes Yes Ghala 96408395
113 Apollo Hospitals Muscat Hospital Yes Yes Yes Al Hamriya 24787766 /95186874
114 Aster Al Raffah Hospital Hospital yes Yes No Al Ghubra 24618900 /01 /02/ 03
/04
115 Aster Al Raffah Hospital Hospital Yes Yes Yes Sohar 26940850
116 Aster Al Raffah Medical centre Clinic Yes Yes Yes Sohar 93526147
117 Aster Al Raffah Medical centre Clinic Yes Yes Yes Liwa 92834781
118 Aster Al Raffah polyclinic Clinic Yes Yes Yes Ruwi 24781816/17/18/19/20
119 Aster Al Raffah polyclinic Clinic Yes Yes Yes Mabela 22060593/4/5/6
120 Aster Al Raffah polyclinic Clinic Yes Yes Yes Amerat 24878713
121 Aster Al Raffah polyclinic Clinic Yes Yes Yes Al Khoud 93894559,
24545877/518
122 Aster Al Raffah polyclinic Band A Clinic Yes Yes No Al Khoud 93894559,
24545877/518
123 Ayaan Health Centre for Eye, ENT & Dermatology Clinic Yes Yes No Madinat Qaboos 94400206
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124 Azhar Polyclinic Clinic Yes Yes Yes Mawaleh 24539095
125 Azhar Polyclinic - Mabela Clinic Yes Yes Yes Mabela 24539095
126 Azhar specialised polyclinic Clinic Yes Yes Yes Mawaleh 24278918
127 Babylon Medical Centre - Amerat Clinic Yes Yes Yes Al Amerat 24878911
128 Babylon Medical Centre - Rustaq Clinic Yes Yes Yes Rustaq 26875537
129 Badr Al Sama Hospitals - Sohar Hospital Yes Yes Yes Sohar 26846660
130 Badr Al Samaa Hospitals - Al Khoud Hospital Yes Yes Yes Al Khoud 24546099
131 Badr Al Samaa Hospitals - Barka Hospital Yes Yes Yes Barka 26884910
132 Badr Al Samaa Hospitals - Nizwa Hospital Yes Yes Yes Nizwa 25447777
133 Badr Al Samaa Hospitals - Ruwi Hospital Yes Yes Yes Ruwi 24799760
134 Badr Al Samaa Hospitals - Salalah Hospital Yes Yes Yes Salalah 23291830
135 Badr Al Samaa Pharmacy - Al Khuwair Branch Pharmacy Yes yes Yes Al Khuwaire 24799760
136 Badr Al Samaa Pharmacy - Ruwi Branch Pharmacy Yes yes Yes Ruwi 24877751
137 Badr Al Samaa Polyclinic - Al Falaj Clinic Yes Yes Yes Al Falaj 26754103
138 Badr Al Samaa Polyclinic - Sur Clinic Yes Yes Yes Sur 25546112
139 Badr Al Samaa Polyclinic - Suwaiq Clinic Yes Yes Yes Suwaiq 26060612
140 Badr Al Samaa Polyclinic- Al Khuwair Clinic Yes Yes Yes Al Khuwaire 24488322
141 Balsm Pharmacy - MSQ Pharmacy Yes yes Yes MSQ 24822108
142 Balsm Pharmacy - North Al Ghubra Pharmacy Yes yes Yes North Al Ghubra 24822108
143 Barakath Al Noor Clinic Clinic Yes Yes Yes Al Khuwaire 24489599
144 Basmat Al Amal Medical Complex - Bahla Clinic Yes Yes Yes Bahla 25421222
145 Basmat Al Amal Medical Complex - Nizwa Clinic Yes Yes Yes Nizwa 25214074
146 Basmat Alhayat Medical Complex Clinic Yes Yes Yes Izki 99315959
147 Basmat Nizwa Medical Complex Clinic Yes Yes Yes NIZWA 25432103
148 Blessing Healthcare Centre Clinic Yes Yes Yes Sohar 26751014
149 Bombay Medical & Diagnostic Centre Clinic Yes Yes Yes Ruwi 24790303
150 Bombay Optical - Muttrah Optical Yes Yes Yes Muttrah 24795252
151 Bombay Pharmacy Clinic Yes Yes Yes Muttrah 24795252
152 Bowsher general clinic Clinic Yes Yes Yes Bowsher 24482831
153 BRIGHT SMILE DENTAL CLINIC Dental Yes Yes Yes SAHAM 26855550
154 Burjeel Hospital LLC Hospital Yes No No Al Khuwaire 24399777
155 Burjeel Medical centre Clinic Yes Yes No Azaiba 22085252
156 CAPITAL PHARMACY Pharmacy Yes yes Yes Oman House 24780484
157 CAPITAL PHARMACY Pharmacy Yes yes Yes Darsait 23288904
158 CAPITAL PHARMACY Pharmacy Yes yes Yes Salalah 24456760
159 CAPITAL PHARMACY Pharmacy Yes yes Yes Mabela 24456760
160 CAPITAL PHARMACY Pharmacy Yes yes Yes MBD 24822108
161 City Homeopathy Clinic Clinic Yes Yes Yes Salalah 23298599
162 Coimbatore Ayurvedic Centre L.L.C - Seeb Ayurveda Yes yes Yes Seeb 24421010
163 Coimbatore Ayurvedic Centre L.L.C-Ruwi Ayurveda Yes yes Yes Ruwi 24787639
164 Crystal Polyclinic Clinic Yes Yes Yes Mawaleh 97182999, 22554188
165 Dar Al Huda - Homoeocare clinic Homoeopathy Yes Yes Yes Qurum 24665383
166 Dar Alteb Specialized Polyclinic Clinic Yes Yes Yes Jalanbo Ali 25553115
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167 Dhofar International Medical Center Clinic Yes Yes Yes Salalah 23288101
168 Dorat Al Shifa Polyclinic Clinic Yes Yes Yes SAHAM 26856423
169 El Shola Polyclinic Clinic Yes Yes Yes Ruwi 24706540
170 Elite Dental Medical Center Dental Yes Yes Yes Al Khoud 24283761
171 Euro-Arabian Specialist Dental Centre - Al Khoud Dental Yes Yes Yes Al Khoud 24533211 / 95313100
172 Euro-Arabian Specialist Dental Centre - Salalah Dental Yes Yes Yes Salalah 23298414 / 99218100
173 Euro-Arabian Specialist Dental Centre - Sur Dental Yes Yes Yes Sur 25535777 / 94080100
174 Family Health Medical Complex Clinic Yes Yes Yes Sohar 26802292
175 Ferri Clinic Clinic Yes Yes Yes Mabela 99334689
176 Finland Eye Center - AL KHOUD Branch Opthalmalogy Yes No No Al Khoud 24289600
177 Finland Eye Center - Al Qurum Main Branch Opthalmalogy Yes No No Muscat - Al
Qurum
24564488
178 Finland Eye Center - Barka Branch Opthalmalogy Yes No No Barka 26983800
179 Finland Eye Center - Nizwa Branch Opthalmalogy Yes No No Nizwa 25433500
180 Finland Eye Center - SALALAH Branch Opthalmalogy Yes No No Salalah 23298515
181 Finland Eye Center - SOHAR Branch Opthalmalogy Yes No No Sohar 26846662
182 Fusion Medicare Clinic Yes Yes Yes Azaiba 24595956
183 Gana Medical Center clinic Yes Yes Yes Berkat Al Mouz 25443310
184 Global Indian ayurvedic clinic Ayurveda Yes yes Yes Salalah 23297170
185 Goharat Alsharqiyah Medical Center Clinic Yes Yes Yes Sinaw 95757983
186 Golden Star Optical Optical Yes Yes Yes Sohar 26841787
187 Green corner Clinic - Gala Clinic Yes Yes Yes Ghala 24596840, 99374541
188 Gulf Specialized Hospital Clinic Yes Yes Yes Al Wataya 22081700
189 Hala Medical Centre Clinic Yes Yes Yes Sinaw 94562008
190 Hatat House Pharmacy LLC Pharmacy Yes yes Yes Wadi Adai 22060309
191 Hatat Polyclinic L.L.C - Azaiba Clinic Yes Yes Yes Azaiba 24499269
192 Hatat Polyclinic L.L.C - Wadi Adai Clinic Yes Yes Yes Wadi Adai 24563641
193 Ibn Al Haitham Medical Complex - Ibra Clinic Yes Yes Yes Ibra 25571899
194 Ibn Al Haitham Medical Complex - Mudhaibi Clinic Yes Yes Yes Mudhaibi 25578132
195 Ibn Hazm Clinic Clinic Yes Yes Yes Wadi Kabir 24832721
196 IBN SINA PHARMACY Pharmacy Yes yes Yes Mabela 24794671
197 IBN SINA PHARMACY Pharmacy Yes yes Yes Gr.Muttarh 24788436
198 IBN SINA PHARMACY Pharmacy Yes yes Yes Rex Road 24487273
199 IBN SINA PHARMACY Pharmacy Yes yes Yes Al Khuwaire 93219016
200 IBN SINA PHARMACY Pharmacy Yes yes Yes Al Hail South 24597942
201 IBN SINA PHARMACY Pharmacy Yes yes Yes Ghala 24540137
202 IBN SINA PHARMACY Pharmacy Yes yes Yes Al Khoud 23296112
203 IBN SINA PHARMACY Pharmacy Yes yes Yes Salalah 23279448
204 IBN SINA PHARMACY Pharmacy Yes yes Yes Thumrait 26842426
205 IBN SINA PHARMACY Pharmacy Yes yes Yes Sohar 25540669
206 IBN SINA PHARMACY Pharmacy Yes yes Yes Sur 25427318
207 IBN SINA PHARMACY Pharmacy Yes yes Yes Mahout 23436447
208 IBN SINA PHARMACY Pharmacy Yes yes Yes Haima 25415279
209 IBN SINA PHARMACY Pharmacy Yes yes Yes Duqm 25435171
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13
210 IBN SINA PHARMACY Pharmacy Yes yes Yes Adam 24478818
211 Ibn Zuhr Polyclinic clinic Yes Yes No Al Khuwaire 24481318
212 Ibn Zuhr Polyclinic clinic Yes Yes No Barka 26795546
213 Ibrahim Mohammed Ahmed Al balushi Clinic Clinic Yes Yes Yes Sohar 99335310
214 Ibri city Polyclinic Clinic Yes Yes Yes Ibri 22020222, 79003301
215 International Medical Centre Clinic Yes Yes Yes Al Hamriya 24794501
216 International Medical Centre Department of
Endocrinology
Clinic Yes Yes No Al Hamriya 24794501
217 International Specilaized Center for Heart and
Vascular Diseases
Clinic Yes No No Azaiba 94269189
218 Johar AJMAL SPECIALIZED CLICNIC Clinic Yes Yes Yes Ibra 255509951
219 Juma Al Habsi Polyclinic Clinic Yes Yes Yes Seeb 24-450670
220 Kazimi International Laboratory Laboratory Yes Yes Yes Al Ghubra 22518055
221 Kims Medical Complex - Duqm Clinic Yes Yes Yes Duqm 24760400
222 Kims Oman Hospital Hospital Yes Yes No Darsait 24760100
223 Kims Oman Hospital Band B Hospital Yes Yes Yes Darsait 24760100
224 Kottakkal Ayurvedic Centre/Kottakkal Arya Vaidya
Sala - Ruwi
Ayurveda Yes yes Yes Ruwi 24701555
225 Kottakkal Ayurvedic Centre/Kottakkal Arya Vaidya
Sala - Sohar
Ayurveda Yes yes Yes Sohar 26843131
226 Lama Polyclinic L.L.C Clinic Yes Yes Yes Ruwi 24799077
227 Lama Polyclinic L.L.C Clinic Yes Yes Yes Al Khuwaire 24478818
228 Lama Polyclinic Pharmacy - Al Khuwair Branch Pharmacy Yes yes Yes Al Khuwaire 24799077
229 Lama Polyclinic Pharmacy - CBD / Ruwi Branch Pharmacy Yes yes Yes Ruwi 23291635
230 Lifeline Hospital L L C - Sohar Hospital Yes Yes Yes Sohar 26651111
231 Lifeline Hospital LLC - Salalah Hospital Yes Yes Yes Salalah 23212340
232 Lifeline Medical centre Clinic Yes Yes Yes Darsait 24784779
233 Liya Medical Complex LLC - Saada Clinic Yes Yes Yes Saada 23225939
234 Liya Medical Complex LLC - Salalah Clinic Yes Yes Yes Salalah 23201201
235 Magrabi Eye & Ear Care Centre Eye Center Yes Yes Yes Watayah 24568870
236 Marwan Al Balushi Homoeopathy Clinic Homoeopathy Yes Yes Yes Ruwi 24785821
237 Maternal and Fetal Care Center clinic Yes Yes No Mawaleh 24288206
238 Medical Care centre Clinic Yes Yes Yes Seeb 99786145
239 Medical Scan Center Imaging Yes Yes Yes Bowsher 99880872
240 Medical Scan CENTER LLC Imaging Yes Yes Yes Sohar 26642928
241 Mian Pharmacy Pharmacy Yes yes Yes Al Nahda Street
Salalah
2470 2542, 24794186
242 Modern Al Salama Polyclinic Clinic Yes Yes Yes Mabela 24451726, 94502101
243 Muscat care Medical Centre Clinic Yes Yes Yes Barka 96697699, 99221255
244 Muscat Pharmacy & Stores (Salalah) LLC - 23rd
July Street
Pharmacy Yes yes Yes Salalah 2449 7264, 24499397
245 Muscat Pharmacy & Stores (Salalah) LLC - Al
Isteqrar Mall
Pharmacy Yes yes Yes Al Isteqrar
Hypermarket
2456 0351
246 Muscat Pharmacy & Stores (Salalah) LLC - Al
Saada
Pharmacy Yes yes Yes Saada 2481 3027
247 Muscat Pharmacy & Stores (Salalah) LLC - Auwqad Pharmacy Yes yes Yes Auwqad Br. Op.
Raysut Patrol
Pump
2471 2782
248 Muscat Pharmacy & Stores (Salalah) LLC -
Dhareez
Pharmacy Yes yes Yes Dhareez Opp.
Shell Patrol Pump
2542 2343
Member’s Guide 2021 - 2022
14
249 Muscat Pharmacy & Stores (Salalah) LLC - Mirbat Pharmacy Yes yes Yes Mirbat Op.
Roudha Mosque
2460 2135, 24699457
250 Muscat Pharmacy & Stores LLC-Al Aqar Pharmacy Yes yes Yes Al Aqar 2684 2703, 26840211
251 Muscat Pharmacy & Stores LLC-Al Ghobra
Pharmacy
Pharmacy Yes yes Yes Al Ghubra 2541 0235
252 Muscat Pharmacy & Stores LLC-Al Hail Pharmacy Yes yes Yes Al Hail 2673 0150
253 Muscat Pharmacy & Stores LLC-Al Hamra Pharmacy Yes yes Yes Al Hamriya 2686 8142
254 Muscat Pharmacy & Stores LLC-Al Kamil Pharmacy Yes yes Yes Al Kamil 2478 8338
255 Muscat Pharmacy & Stores LLC-Al Khod Pharmacy Yes yes Yes Al Khoud 2470 3345
256 Muscat Pharmacy & Stores LLC-Al Khuwair
Pharmacy
Pharmacy Yes yes Yes Al Khuwaire 2457 1396, 24561855
257 Muscat Pharmacy & Stores LLC-Al Meera H'market
Azaiba Pharmacy
Pharmacy Yes yes Yes Al Meera H'market 2481 7331
258 Muscat Pharmacy & Stores LLC-Al Sarooj Complex
Pharmacy
Pharmacy Yes yes Yes Al Sarooj Complex
Pharmacy
2568 9025
259 Muscat Pharmacy & Stores LLC-Bahla Pharmacy Yes yes Yes Bahla 2685 4158
260 Muscat Pharmacy & Stores LLC-Barka Pharmacy Yes yes Yes Barka 2448 7980, 24485740
261 Muscat Pharmacy & Stores LLC-Barka Grand
Centre
Pharmacy Yes yes Yes Barka 2555 7091
262 Muscat Pharmacy & Stores LLC-Bidaya Pharmacy Yes yes Yes Bidaya 2686 2128
263 Muscat Pharmacy & Stores LLC-Bilad Bani Bu Ali Pharmacy Yes yes Yes Bilad Bani Bu Ali 2670 8180
264 Muscat Pharmacy & Stores LLC-Buraimi Pharmacy Yes yes Yes Buraimi 2442 1691
265 Muscat Pharmacy & Stores LLC-Darseit Pharmacy Yes yes Yes Darsait 2550 4349
266 Muscat Pharmacy & Stores LLC-Gr Muttrah
Pharmacy
Pharmacy Yes yes Yes Muttrah 2469 5477
267 Muscat Pharmacy & Stores LLC-Hamriya Pharmacy Yes yes Yes Al Hamriya 2435 6878
268 Muscat Pharmacy & Stores LLC-Hay Al Rahbah Pharmacy Yes yes Yes Hay Al Rahbah 2435 6879
269 Muscat Pharmacy & Stores LLC-Hellat A'Saad Pharmacy Yes yes Yes Hellat A'Saad 2449 6249
270 Muscat Pharmacy & Stores LLC-Ibra Pharmacy Yes yes Yes Ibra 2568 9216
271 Muscat Pharmacy & Stores LLC-Ibri Murtafa Pharmacy Yes yes Yes Ibri 2567 2581
272 Muscat Pharmacy & Stores LLC-Ibri Sanaya Pharmacy Yes yes Yes Ibri 2557 0473
273 Muscat Pharmacy & Stores LLC-Jawahrat Al Shatti
Pharmacy
Pharmacy Yes yes Yes Jawahrat Al Shatti
Pharmacy
2554 3660
274 Muscat Pharmacy & Stores LLC-Khabourah Pharmacy Yes yes Yes Khabourah 2487 8817
275 Muscat Pharmacy & Stores LLC-Khasab Pharmacy Yes yes Yes Khasab 2447 0563
276 Muscat Pharmacy & Stores LLC-Liwa Pharmacy Yes yes Yes Liwa 2687 8631
277 Muscat Pharmacy & Stores LLC-Mabellah Pharmacy Yes yes Yes Mabela 2453 8953
278 Muscat Pharmacy & Stores LLC-Madinat Sultan
Qaboos Pharmacy
Pharmacy Yes yes Yes Madinat Qaboos 2552 4810
279 Muscat Pharmacy & Stores LLC-Masirah Pharmacy Yes yes Yes Masirah 2555 3984
280 Muscat Pharmacy & Stores LLC-Mawalah Maha Pharmacy Yes yes Yes Mawaleh 2483 3323, 24833208
281 Muscat Pharmacy & Stores LLC-Muscat City
Centre
Pharmacy Yes yes Yes Muscat City
Centre
2460 3534 , 24695536
282 Muscat Pharmacy & Stores LLC-Muscat
International Airport - Airside
Pharmacy Yes yes Yes Muscat Airport -
Airside
2471 3778
283 Muscat Pharmacy & Stores LLC-Muscat
International Airport - Landside
Pharmacy Yes yes Yes Muscat Airport -
Landside
2688 5372
284 Muscat Pharmacy & Stores LLC-Musna Pharmacy Yes yes Yes Musannah 2541 9740
285 Muscat Pharmacy & Stores LLC-Muttrah (Nr. Taxi
stand)
Pharmacy Yes yes Yes Muttrah 2483 4458
286 Muscat Pharmacy & Stores LLC-Muttrah Souk Pharmacy Yes yes Yes Muttrah 2565 2145
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15
287 Muscat Pharmacy & Stores LLC-Nizwa Pharmacy Yes yes Yes Nizwa 2453 5977, 24551504
288 Muscat Pharmacy & Stores LLC-Pharma
Warehouse Annex
Pharmacy Yes yes Yes Pharma
Warehouse Annex
2483 3964
289 Muscat Pharmacy & Stores LLC-Pharma
Warehouse New
Pharmacy Yes yes Yes Pharma
Warehouse New
2453 7080, 24545797
290 Muscat Pharmacy & Stores LLC-Qurum City Centre Pharmacy Yes yes Yes Qurum 2445 6344
291 Muscat Pharmacy & Stores LLC-Qurum Pharmacy Pharmacy Yes yes Yes Qurum 2460 1650
292 Muscat Pharmacy & Stores LLC-Rustaq Pharmacy Yes yes Yes Rustaq 2676 2622
293 Muscat Pharmacy & Stores LLC-Ruwi Pharmacy Yes yes Yes Ruwi 2674 8483
294 Muscat Pharmacy & Stores LLC-Ruwi High Street Pharmacy Yes yes Yes Ruwi 2680 2356
295 Muscat Pharmacy & Stores LLC-Ruwi opp.
Raymonds
Pharmacy Yes yes Yes Ruwi 2483 7008
296 Muscat Pharmacy & Stores LLC-Safeer H'market
Sohar Pharmacy
Pharmacy Yes yes Yes Sohar 2455 8704
297 Muscat Pharmacy & Stores LLC-Saham Pharmacy Yes yes Yes Saham 2685 3050
298 Muscat Pharmacy & Stores LLC-Seeb Pharmacy Yes yes Yes Seeb 2698 4487
299 Muscat Pharmacy & Stores LLC-Senaw Pharmacy Yes yes Yes Sinaw 2698 4487
300 Muscat Pharmacy & Stores LLC-Sohar Pharmacy Yes yes Yes Sohar 2698 4487
301 Muscat Pharmacy & Stores LLC-Sohar Warehouse Pharmacy Yes yes Yes Sohar 22507045, 22507046
302 Muscat Pharmacy & Stores LLC-Sur Depot Pharmacy Yes yes Yes Sur 2698 4487
303 Muscat Pharmacy & Stores LLC-Sur Pharmacy Pharmacy Yes yes Yes Sur 23291635
304 Muscat Pharmacy & Stores LLC-Suwaiq Pharmacy Yes yes Yes Suwaiq 23295635
305 Muscat Pharmacy & Stores LLC-Wadi Adai Pharmacy Yes yes Yes Wadi Adai 23225048
306 Muscat Pharmacy & Stores LLC-Wadi Hatat Pharmacy Yes yes Yes Wadi Hatat 23210635
307 Muscat Pharmacy & Stores LLC-Wadi Kabir Nr.
Park / Omanoil
Pharmacy Yes yes Yes Wadi Kabir 23268238
308 Muscat Pharmacy & Stores LLC-Wadi Kabir opp Al
Maha
Pharmacy Yes yes Yes Wadi Kabir 23294010
309 Muscat Pharmacy & Stores LLC-Yanqil Pharmacy Yes yes Yes Yanqil 24442222
310 Muscat Private Hospital Hospital Yes No No Bowsher 24583775
311 Naher Al Kauther Medical Clinic Clinic Yes Yes Yes Quriyat 24846670
312 NAIF Specialised Medical Centre Clinic Yes Yes Yes Salalah 23202542 / 23289942
313 Nanaa Medical Clinic Clinic Yes Yes Yes Ghala 24593377
314 National Medical Center Clinic Yes Yes Yes Seeb 24540542
315 Nazaha Polyclinic Clinic Yes Yes Yes Mawaleh 24543436
316 New Al Raazi Hospital (Al Raazi Medical group) Hospital Yes Yes Yes Salalah 23292277
317 New Taiba Pharmacy LLC Pharmacy Yes yes Yes Azaiba 24587036
318 NIZWA DENTAL CENTER Dental Yes Yes Yes NIZWA 25426302
319 Nizwa Eye Specialty Centre Eye Center Yes Yes Yes Nizwa 99386253
320 NMC Medical Centre Clinic Yes Yes Yes Seeb 24423894
321 NMC Speciality Hospital Hospital Yes Yes Yes Al Ghubra 24502536
322 NMC Speciality Hospital Hospital Yes Yes Yes Ruwi 24811706
323 NMC Speciality Hospital - Al Hail Hospital Yes Yes Yes Al Hail 24269222
324 Noor Al Shifa Medical Complex Clinic Yes Yes Yes Thumarat 23202026
325 Noor Al Shifa Specialized Medical Complex Clinic Yes Yes Yes Salalah 23279700
326 Oman Al Khair Hospital LLC Hospital Yes Yes Yes Ibri 25688075
327 Omani Medical centre Clinic Yes Yes Yes Salalah 23288109, 23288190
Member’s Guide 2021 - 2022
16
328 Pahramacure Pharmacy Pharmacy Yes yes Yes Mabela 26810679
329 Paris Optics Optical Yes Yes Yes Qurum 22044267, 96143730
330 Paris Optics Optical Yes Yes Yes Al Ghubra 95234070, 94886055
331 Paris Optics Optical Yes Yes Yes Al Khuwaire 22024010
332 Paris Optics Optical Yes Yes Yes Al Ghubra 79158858, 94916863
333 Peace Land Clinic clinic Yes Yes No MUKHAIZNA 98349032
334 Pharmacure Pharmacy Pharmacy Yes yes Yes Mawaleh 24539095
335 PREMIER POINT HOME HEALTH LLC (Ex Sultan
Medical Cenntre)
Clinic Yes Yes Yes Al Khuwaire 24486005
336 Reniassance Majan Medical Complex Clinic Yes Yes Yes Amerat 92212557, 97470214
337 Rusayl Health Centre Clinic Yes Yes Yes Rusayl 24446151
338 Safa Medicare Dental Yes Yes Yes Azaiba 24617116
339 Sagar Polyclinic LLC Clinic Yes Yes Yes Al Khuwaire 24393601
340 Said Al Shaer Clinic Clinic Yes Yes Yes Sohar 26751394
341 Sala Medical Complex Dental Yes Yes Yes Al Khuwaire 95694124, 91996150
342 Scientific Pharmacy LLC Pharmacy Yes yes Yes Ansab 24496436
343 Scientific Pharmacy LLC Pharmacy Yes yes Yes Azaiba 24496546
344 Scientific Pharmacy LLC Pharmacy Yes yes Yes Al Ghubra 24537127
345 Scientific Pharmacy LLC Pharmacy Yes yes Yes Al Khoud 24480679
346 Scientific Pharmacy LLC Pharmacy Yes yes Yes Al Khuwaire 24480230
347 Scientific Pharmacy LLC Pharmacy Yes yes Yes Al Khuwaire 24468027
348 Scientific Pharmacy LLC Pharmacy Yes yes Yes Mobelah 24566601
349 Scientific Pharmacy LLC Pharmacy Yes yes Yes Qurum 24423684
350 Scientific Pharmacy LLC Pharmacy Yes yes Yes Seeb 24877751
351 Scientific Pharmacy LLC Pharmacy Yes yes Yes Wadi Hatat 24810868
352 Scientific Pharmacy LLC Pharmacy Yes yes Yes Wadi Kabir 23298095
353 Scientific Pharmacy LLC Pharmacy Yes yes Yes Salalah 23362976
354 Scientific Pharmacy LLC Pharmacy Yes yes Yes Salalah 26883673
355 Scientific Pharmacy LLC Pharmacy Yes yes Yes Barka 26810310
356 Scientific Pharmacy LLC Pharmacy Yes yes Yes Tharmad 26854302
357 Scientific Pharmacy LLC Pharmacy Yes yes Yes Saham 26747969
358 Scientific Pharmacy LLC Pharmacy Yes yes Yes Shinas 26841174
359 Scientific Pharmacy LLC Pharmacy Yes yes Yes Sohar 26845798
360 Scientific Pharmacy LLC Pharmacy Yes yes Yes Sohar 22085252
361 Scientific Polyclinic - Salalah Clinic Yes Yes Yes Salalah 23299057
362 Scientific Polyclinic - Seeb Clinic Yes Yes Yes Seeb 24421411
363 Season Optics Optical Yes Yes Yes Al Ghubra 24504761, 97220850
364 Season Optics Optical Yes Yes Yes Darsait 24799398, 97220851
365 Season Optics Optical Yes Yes Yes Barka 26884628, 97243815
366 Shatti Al Qurum Medical Center Clinic Yes Yes Yes Qurum 24400436-93655425
367 Shifa Al Jazeera Polyclinic Clinic Yes Yes Yes Al Khuwaire 91161896
368 Sister Beauty Center Laser & Dental Clinic clinic Yes Yes Yes Qurum 97004488
369 Smile Care Dental Center Dental Yes Yes Yes Nizwa 25431153
370 Sohar International Medical Centre Clinic Yes Yes Yes Sohar 26721116, 97604646
Member’s Guide 2021 - 2022
17
371 Sohar Pharmacy Barka Pharmacy Yes yes Yes Barka 24615571
372 Sohar Pharmacy Ruwi Pharmacy Yes yes Yes Ruwi 26841825
373 Sohar Pharmacy Sohar Pharmacy Yes yes Yes Sohar 26884004
374 SRI TATTVA PANCHAKARMA (Ayurvedic
Medicine Clinic LLC)
Ayurveda Yes yes Yes Al Khuwaire 24484991
375 Star Clinic Clinic Yes Yes Yes Ruwi 24705150
376 Starcare First Medical Centre LLC Clinic Yes Yes No Bowsher 22507777, 22507332
377 Starcare Hospital - Barka Excluding Dental Hospital Yes Yes Yes Barka 26982200
378 Starcare Hospital - Seeb Hospital Yes Yes No Seeb 24557200
379 Starcare Medical Centre - Mabela Excluding Dental Clinic Yes Yes Yes Mabela 24557200
380 Sun Dental Clinic Dental Yes Yes Yes Al Khuwaire 95961234
381 Supercare Medical Complex Clinic Yes Yes Yes Masanah 26811064
382 Sur Private Hospital Hospital Yes Yes Yes Sur 25545888
383 Taiba Pharmacy Pharmacy Yes yes Yes AL Mawellah 24459288
384 Taiba Pharmacy Pharmacy Yes yes Yes AL Mabela 24540924
385 Taiba Pharmacy Pharmacy Yes yes Yes AL Hail 23297289
386 Taiba Pharmacy Pharmacy Yes yes Yes SALALAH
GARDEN MALL
25218331
387 Taiba Pharmacy Pharmacy Yes yes Yes NIZWA GRAND
MALL
24184241
388 Taiba Pharmacy Pharmacy Yes yes Yes AL WAVE 24535086
389 Taiba Pharmacy Pharmacy Yes yes Yes Al Khoud 24421213
390 Taiba Pharmacy Pharmacy Yes yes Yes AL SEEB 22071110
391 Taiba Pharmacy Pharmacy Yes yes Yes SALALAH SALAM
STREET
26642099
392 Taiba Pharmacy Pharmacy Yes yes Yes SOHAR 25218331
393 Taiba Pharmacy - Burjeel Pharmacy Yes yes Yes Azaiba 22085252
394 Thyrocare Gulf LLC Laboratory Yes Yes Yes Darsait 98912197
395 Um Salama Polyclinic Clinic Yes Yes Yes Amerat 24877152
396 Um-Seih Clinic Clinic Yes Yes Yes Suwaiq 26810235, 99410851
397 Yas Medical Centre Clinic Yes Yes Yes Buraimi 25655088
National Life reserves rights to include/exclude/upgrade banding/degrade banding of any clinic or doctors at any time
from the designated provider network list.
For inpatient and Outpatient treatments, members are entitled for access to above listed providers based on the Band displayed on the Medical card.
7 B. Annexure I – Designated Providers in UAE – Inayah Silver Network
Microsoft Excel
Worksheet
Member’s Guide 2021 - 2022
18
7 B. Annexure I – Designated Providers in UAE – RN (In + Out) NLGIC Network
Sl.
No.
Provider Name Type of service Location City
1 Al Noor Polyclinic Medical center Naif Street, Deira Dubai
2 Al Noor Polyclinic Medical center Satwa, Opposite to Lal Super market Dubai
3 Dr Joseph Polyclinic Medical center Opposite Sunrise Supermarket, Karama Dubai
4 Joseph's Qusais Polyclinic Medical center Qusais, Sheikh Colony, New Talal Supermarket Building Dubai
5 Amber Clinic Medical center II Floor Al Rigga Business Centre, Rigga Road Dubai
6 Karama Medical Center Medical center Flat No. 306, 3rd Floor, Above Sony Showroom, Opposit
Vegetable Market
Dubai
7 Karama Medical Center Medical center Al Quoz Area, New Grand City Mall Dubai
8 Karama Medical Center Medical center Park Shopping Centre, DIP Dubai
9 Karama Medical Center Medical center Shop No. 4, Building M1, Amsa, Jumeirah Village, Dubai Dubai
10 Karama Medical Center Medical center Al Hashmi Bladg, Near Naif Signal , Deira, DXB Dubai
11 Karama Medical Center Medical center Al Quoz Mall, Al Quoz ind Area -3,DXB Dubai
12 Jansons Stars Polyclinic Medical center Khalid Bin Al Walid Street, Opp Shell In Hotel Dubai
13 Al Musalla Medical Centre Medical center Musalla Tower Mall, Bur Dubai Dubai
14 New Apollo Polyclinic Medical center Karama Center, Near Lulu Supermarket Dubai
15 Al Zahrawi Hospital Hospital Oman Street, Opposite Choithram Supermarket RAK
16 Marina Medical Center Medical center Mezzanine Floor, Above Doctors Pharmacy, opposite Rotana
Hotel
Sharjah
17 Advanced Medical Centre Medical center Opposite Ajman Exhibition Centre Sharjah
18 Al Sharq medical centre Medical center Al Faseel road straight to hilton hotel Fujairah
19 Al Sharq medical centre Medical center Al Etihad, al sharq street, round about safeer Fujairah
20 Al Sharq medical centre Medical center Opposite to emirates pharmacy, Al Sharqi road Fujairah
21 Cosmo med medical center Medical center al sharq street, round about safeer Fujairah
22 Khorfakan port clinic Medical center Khorfakan port Fujairah
23 ACCESS CLINIC AL QUOZ (Br.OF DM) Medical center AL ARIF BUILDING,NEAR UAE EXCHANGE,BEHIND
CEMENT FACTORY,AL QUOZ
Dubai
24 ACCESS CLINIC BR OF DM
HEALTHCARE LLC
Medical center GOLD SOUK BUS STATION , 1ST FLOOR DEIRA Dubai
25 ACCESS CLINIC BUR DUBAI Br OF DM
HEALTHCARE LLC
Medical center SOUK AL KABEER BUILDING, GROUND FLOOR , NEXT TO
BUS STATION , BUDUBAI
Dubai
26 ACCESS CLINIC DIP Medical center DUBAI INVESTMENT PARK 1 ( DIP - 1 )RAMLA MALL, UAE Dubai
27 ACCESS CLINIC DIP 2 BR OF DM
HEALTHCARE LLC
Medical center KADRIS MALL, GROUND FLOOR, SHOP NO. 7, Dubai
Investment Park 2, Jabel Ali, Majelan Al Madeena
Supermarket, DIP2
Dubai
28 ACCESS CLINIC INTL. CITY (BR OF DM
HEALTHCARE)
Medical center MOROCCO CLUSTER, BUILDING I - 11 , SHOP 11,18,20
INTERNATIONAL CITY DUBAI
Dubai
29 ACCESS CLINIC JAFZA Medical center FOOD COURT 3, 1ST FLOOR, COMMERCIAL CENTRE Dubai
30 ACCESS CLINIC PERSIAN ZONE (BR
OF DM HEALTHCARE (LLLC))
Medical center PERSIA N04, GROUND FLOOR, SHOP NO-10,
INTERNATIONAL CITY
Dubai
31 ACCESS CLINIC SONAPUR Medical center SAMEYA KHALIFA MOHD ALFUQEAI BUILDING, 24TH
STREET, MUHAISINA 2ND , SONAPUR
Dubai
32 ACCESS CLINIC SONAPURE2 (BR OF
DM HEALTHCARE LLC)
Medical center DUBAI MUNICIPALITY BUILDING, FLOOR NO 1, SHOP NO
04, MUHAISINA 2, SONAPUR,
Dubai
33 ACCESS AL ROLLA MEDICAL CENTRE Medical center Adnic Tower, Ground Floor, Flat no 1,2,3, Ibrahim Mohamad Al
Medfa'a, Um Al Tarafa, Rolla, Sharjah
Sharjah
34 ACCESS ABUTINA MEDICAL CENTRE Medical center MOHD MOHD ALREHMA, SHOP NO 7, GROUND FLOOR, Sharjah
Member’s Guide 2021 - 2022
19
AL ZAHARA STREET
35 ACCESS CLINIC MUWEILAH Medical center MUBARAK BUILDING, GROUND FLOOR, UNIVERSITY
ROAD, MUWAILIAH, SHARJAH
Sharjah
36 ACCESS MEDICAL CENTRE (Br.OF DM)
- AJMAN
Medical center AL HAMRAIN SOUQ,AJMAN INDUSTRIAL AREA 1,NEAR
NESTO HYPERMARKET, AJMAN
Ajman
37 AL RAFA MEDICAL CENTRE ABUDHABI Medical center HAMDAN STREET,ABU DHABI,UAE Abu Dhabi
38 DAR AL SHIFA MEDICAL CENTRE
ABUDHABI
Medical center BLDG NO 137, AL NOWAIS BLDG. ELECTRA ST TOURIST
CLUB AREA, BEHIND DANA HOTEL, ABU DHABI, UAE
Abu Dhabi
39 DR.MOOPEN'S MEDICAL POLYCLINIC
ABUDHABI
Medical center SECTOR-9,SANNAYAH,MUSAFFAH ,ABU DHABI Abu Dhabi
40 AL AWEER MEDICAL CENTRE Medical center RAS AL KHORE INDUSTRIAL AREA 2, NEXT TO EPPCO
PEROL PUMP, CLOSE TO ISLAMIC BANK.
Dubai
41 AL RAFA POLY CLINIC (INTL CITY) Medical center RUSSIA V - 20 , INTERNATIONAL CITY Dubai
42 AL SHAAB MEDICAL CENTRE Medical center OPP: TALAL SUPERMARKET, NEAR AL SHAAB COLONY,
HOR AL ANZ, DEIRA, DUBAI
Dubai
43 ASTER AESTHETIC CLINIC ( BR OF DM
HEALTHCARE )
Medical center AL FUTTAIM BUILDING, GROUND FLOOR, FLAT NO 21,
KHALID BIN AL WALEED STREET
Dubai
44 ASTER AL NAHDA MEDICAL CENTRE Medical center AB PLAZA 9, AMMAN STREET, AL NAHDA 1, DUBAI, UAE Dubai
45 ASTER DIAGNOSTIC CENTRE, Bur
Dubai
Medical center NEAR AL FAHIDI METRO STATION, KHALID BIN AL
WALEED ROAD, BURDUBAI
Dubai
46 ASTER JEBELALI MEDICAL CENTRE Medical center NESTO HYPER MARKET BUILDING, M FLOOR, JEBEL ALI
INDUSTRIAL AREA-1.P.O BOX:8703, DUBAI, UAE
Dubai
47 ASTER MEDICAL CENTRE DEIRA Medical center Sheikha Rajaa Majed Al Qassimi Building, 2nd floor, Flat No:
202, 204, Opp. Al Futtaim Mosque, Naif Road, Deira.
Dubai
48 ASTER MEDICAL CENTRE
INTERNATIONAL CITY
Medical center ASTER INTL CITY, RUSSIA V-19 , DUBAI UAE Dubai
49 ASTER MEDICAL CENTRE
MUHAISNA(Br OF DM)
Medical center BEHIND MADEENA MALL, NEAR TO LULU VILLAGE Dubai
50 ASTER MEDICAL CENTRE QUSAIS Medical center AL FATTAN BULDING, OPP.NIHAL BULDING, DAMASCUS
STREET AL QUSAIS DUBAI
Dubai
51 DR MOOPENS MEDICAL CENTRE
KARAMA BR
Medical center AL SHEROUQ BUILDING,KARAMA,DUBAI,UAE Dubai
52 DR. MOOPEN'S AL QUOZ MEDICAL
CENTRE
Medical center NEAR OLD GRAND MALL, AL QOUZ INDUSTRIAL AREA 1,
DUBAI, UAE
Dubai
53 DR.KOYA'S CLINIC Medical center BEHIND NAIF POLICE STATION, DEIRA, UAE Dubai
54 DR.MOOPEN'S POLY CLINIC Medical center AL GHURAIR REAL ESTATE BUILDING, GROUND &
MEZANINE, SHOP 2 & SHOP 3, MUTEENA
Dubai
55 SALEEM POLYCLINIC Medical center NEAR SATWA BIG MASJID, DUBAI, U.A.E Dubai
56 UNION MEDICAL CENTRE Medical center IRANIAN SCHOOL ROAD. OPPOSITE WALL STREET
EXCHANGE, KARAMA
Dubai
57 ASTER AL NAHDA MEDICAL CENTER Medical center GOLDEN SANDS TOWER, GROUND FLOOR ,
SHOWROOM- 1 , AL ITHIHAD ROAD , SHARJAH - DUBAI
HIGHWAY , AL NAHDA SHARJAH
Sharjah
58 ASTER MEDICAL CENTRE SHARJAH Medical center KING FAIZAL STREET, AL MAJAZ , SHARJAH , UAE Sharjah
59 ASTER MEDICAL CENTRE Br.(AJMAN) Medical center SHAIKH KHALIFA BIN ZAYED STREET, AJMAN UAE Ajman
60 ASTER MEDICAL CENTRE - FUJAIRAH
BR
Medical center OPP: CHOITHRAM SUPER MARCKET, HAMDAN BIN
ABDULLA STREET, FUJAIRAH, UAE
Fujairah
61 ASTER MEDICAL CENTRE - RAK Medical center MUNTASIR BUILDING, MUNTASIR ROAD, NEAR MALABAR
GOLD AND DIAMONDS, AL NAKHEEL, RAS AL KHAIMAH
RAK
62 ASTER BEAUTY CLINIC (BR OF DM
HEALTHCARE)
Medical center MUNTASIR BUILDING, MUNTASIR ROAD, NEAR MALABAR
GOLD AND DIAMONDS, AL NAKHEEL, RAS AL KHAIMAH
Dubai
63 ASTER BEAUTY CLINIC WARQA Medical center MUNTASIR BUILDING, MUNTASIR ROAD, NEAR MALABAR
GOLD AND DIAMONDS, AL NAKHEEL, RAS AL KHAIMAH
Dubai
64 ASTER MEDICAL CENTRE KHALIDIYA Medical center MUNTASIR BUILDING, MUNTASIR ROAD, NEAR MALABAR
GOLD AND DIAMONDS, AL NAKHEEL, RAS AL KHAIMAH
Dubai
65 ASTER HOMECARE (BR OF DM
HEALTHCARE LLC)
Medical center MUNTASIR BUILDING, MUNTASIR ROAD, NEAR MALABAR
GOLD AND DIAMONDS, AL NAKHEEL, RAS AL KHAIMAH
Dubai
66 AL RAFA POLYCLINIC -Br (TECOM) Medical center GROUND FLOOR; ICON TOWERS; TECOM; AL BARSHA;
DUBAI
Dubai
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67 AL WARQA MEDICAL CENTRE Medical center AL WARQA MEDICAL CENTRE, NEAR TO MARS SUPER
MARKET, AL WARQA 2, DUBAI.UAE
Dubai
68 ASTER JUBILEE MEDICAL COMPLEX Medical center NEAR AL FAHIDI METRO STATION, KHALID BIN AL
WALEED ROAD, BURDUBAI
Dubai
69 ASTER MEDICAL CENTRE AL
QUSAISE(Br. OF DM)
Medical center AQU BUILDING, SHEIKH COLONY,NEAR DAFZA METRO
STATION,DUBAI
Dubai
70 ASTER MEDICAL CENTRE ASWAAQ
MALL (BR OF D M HEALHTCARE (L L
C))
Medical center ASWAAQ - AL BARSHA SOUTH COMMUNITY CENTRE,
DUBAI, U A E
Dubai
71 ASTER MEDICAL CENTRE BUSINESS
BAY
Medical center SHOP NO: G-15,16&17, BAY AVENUE, BUSINESS BAY,
DUBAI
Dubai
72 ASTER MEDICAL CENTRE SILICON
OASIS(Br. OF DM)
Medical center PB: 8703, SILICON GATE 1, 1ST ROUNDABOUT,OPP.
CHOITHRAMS & BASKIN ROBIN,DUBAI SILICON OASIS,
DUBAI, UAE
Dubai
73 ASTER MEDICAL CENTRE-JLT BR Medical center ROAD NO: 5, SHOP NO: G05,G06 &G011-A. RED DIAMOND
BUILDING , JLT, DUBAI
Dubai
74 GARDENS MEDICAL CENTRE Medical center BUILDING NO. 9 , ZEN CLUSTER, DISCOVERY GARDEN,
DUBAI, UAE
Dubai
75 GARDENS SPECIALITY
CLINIC(BRANCH OF DM
HEALTHCARE(LLC))
Medical center ZEN CLUSTER, BUILDING NO-4, GROUND FLOOR, FLAT
NO 4,5 & 6, DISCOVERY GARDENS
Dubai
76 Royal Medical and Dental Center Medical center Sultan Fadel Bldg. Al Qwasim Corniche, Ras Al Khaimah,UAE RAK
77 Aster Hospital Hospital Dubai
78 Dubai Medical Laboratory Laboratory Nasser Square, Dubai Towers Dubai
79 Al Abbar Laboratories for Research &
Medical Analysis
Laboratory Al Yousef Bldg, Office no. 501 Dubai
80 Mediplus Laboratory Flat 303 Al Mubarak Center, Al Arooba Street, Sharjah Sharjah
81 Labtech Laboratory Office 106 Golden Tower, Opposite Marbella Resort Holiday
International Hotel, Al Buhairah Corniche, Sharjah
Sharjah
82 Better Life Pharmacy Pharmacy Grand city Mall, Al Quoz ind area 2, Dubai Dubai
83 Park Better Life Pharmacy Pharmacy Park Shopping Centre, Madina Market, DIP, Jebel Ali, Dubai Dubai
84 New Better Life Pharmacy Pharmacy Al Quoz Mall, Al Quoz, Dubai Dubai
85 Jumeirah Better Life Pharmacy Pharmacy Jumeirah Village 2, Amsa, Jumeirah, DXB Dubai
86 Al Rayan Pharmacy Pharmacy Behind Choithram Supermarket, Opp. Marry Furniture, Karama Dubai
87 Al Amber Pharmacy Pharmacy Khalid Bin Al Walid Street Dubai
88 Al Woqaya Pharmacy Pharmacy Karama Center Sharjah
89 Faith Pharmacy Pharmacy Naif Street RAK
90 Riaz Medical Centre/Al Riyadh Pharmacy
- SHJ
Pharmacy Plot # 265, Near Dana Plaza, Al Wasit Street, Al Shahba,
Sharjah
Fujairah
91 Al Zahrawi Pharmacy Pharmacy Oman Street, Opposite Choithram Supermarket Fujairah
92 Hikam Pharmacy Pharmacy Al Faseel road straight to hilton hotel Fujairah
93 Family pharmacy Pharmacy al sharq street, round about safeer Dubai
94 Al Sharq Pharmacy , Dibba Pharmacy Opposite to emirates pharmacy, Al Sharqi road Dubai
95 UNION PHARMACY Pharmacy Near al rafa poly clinic - Bur Dubai Dubai
96 AL QOZE PHARMACY Pharmacy Near khalifa super market - Al Qouz Dubai
97 IBN AL AZWAR PHARMACY Pharmacy Near eppco - Al Aweer Fujairah
98 AL SHIFA PHARMACY Pharmacy Near Union Medical centre - Karama Dubai
99 THAIBA PHARMACY Pharmacy Opp. UAE exchange(Masafi) - Fujairah Dubai
100 SHINDAGA PHARMACY Pharmacy Carrefour - Bur dubai Dubai
101 AL JUMA PHARMACY Pharmacy Opp. To Lulu centre - Karama Dubai
102 EHSAN PHARMACY Pharmacy Al shaab colony, Hor al anz - Deira dubai Dubai
103 NEW AL QUOZ PHARMACY Pharmacy Near New grand mall - Al Qouz Dubai
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104 ASMA PHARMACY Pharmacy Behind Naif police station - Deira dubai Dubai
105 AL WARQA PHARMACY Pharmacy Near Mass super market - Warqa Ajman
106 MARINA PEARL PHARMACY Pharmacy Near Four points supermarket - Dubai Marina Al Ain
107 GRAND PHARMACY AJMAN Pharmacy Dana plaza complex - Ajman Abu Dhabi
108 RAFA PHARMACY ALAIN Pharmacy Near Golden fork restaurant - Al Ain Sharjah
109 MODERN DAR AL SHIFA PHARMACY Pharmacy Near Dana hotel - Abu Dhabi Sharjah
110 AL MAJAZ PHARMACY Pharmacy Jamal Abdul Nasir st, Majaz - Sharjah Sharjah
111 EXPERT PHARMACY Pharmacy Near Al Nassiraya police stn - Sharjah Sharjah
112 SALIM PHARMACY Pharmacy Near Smadi sweets, Al Buhairah - Sharjah Sharjah
113 WASEEM PHARMACY Pharmacy Dafco building, Taawun area - Sharjah Sharjah
114 HARAMAIN PHARMACY Pharmacy Al nahda tower, Al Nahadah - Sharjah Sharjah
115 AL MAWADAH PHARMACY Pharmacy Immigration road - Sharjah Dubai
116 AL MANARAH PHARMACY Pharmacy Opp. Taawun mall, Taawun area - Sharjah Dubai
117 AL MUSALLA PHARMACY Pharmacy Al Musalla road - Bur dubai Dubai
118 GOLDEN SANDS PHARMACY Pharmacy Al Ain centre - Bur dubai Dubai
119 YACOUB PHARMACY Pharmacy Khalid bin Waleed rd - Bur dubai Dubai
120 MARYAM PHARMACY Pharmacy Business centre - Bur dubai Dubai
121 AL RAHA PHARMACY Pharmacy Khalid bin waleed rd - Bur dubai Dubai
122 MEDSAVE PHARMACY Pharmacy Near Union National Bank, Mirdiff Abu Dhabi
123 IQRA PHARMACY Pharmacy OPP: AL FUTHAIM MASJID, Deira Ajman
124 MODERN DAR AL SHIFA - MUSSFAH
BR.
Pharmacy Industrial Area 9, Musaffah Dubai
125 NEW GRAND PHARMACY Pharmacy Al Nuaimiyah, King Faisal Road, Ajman Dubai
126 MEDSHOP GARDENS PHARMACY Pharmacy Zen Cluster, Discovery Gardens Dubai
127 NEW AL SHIFA PHARMACY Pharmacy Builing No:20, Russian Cluster,Int'l City Dubai
128 IBN ALHAITHAM PHARMACY Pharmacy Opp General Post Office, Karama Dubai
129 RASHID PHARMACY Pharmacy Near Guest Line Hotel ,Rigga Road Deira Dubai
130 MEDICINE SHOPPE MICRO
PHARMACY
Pharmacy Al Barsha Dubai
131 ALFA PHARMACY Pharmacy Alfattan building ,qusais Ajman
132 BETA PHARMACY Pharmacy Mirdiff City Centre Sharjah
133 ASTER PHARMACY (AJMAN) Pharmacy Rashidiya, Ajman Cooperative society, Shop No 1 Dubai
134 ASTER PHARMACY (SHARJAH) Pharmacy King Faizal Road, Majaz Area, Near ADNOC Dubai
135 ASTER PHARAMACY (TECOM) Pharmacy T Com Dubai Dubai
136 MARIAM NEW PHARMACY Pharmacy Jumeriah, Umsuquim 1, Near Medcare clinic Dubai
137 ASTER JEBEL ALI PHARMACY Pharmacy Nesto Hypermarket, Shop No 5, Jebelali Dubai
138 AVENUE PHARMACY Pharmacy Aspect Towers, Bay Avenue, Business Bay, Dubai Dubai
139 ASTER GRAND PHARMACY (AL
NAHADA)
Pharmacy AB Plaza Building, Ground Floor, Shop No.8 Al Nahda , Dubai Dubai
140 MEDICOM PHARMACY 1 (AL JAMEYA
PHARMACY)
Pharmacy Union Cooperative Society, Al Twar 1, Dubai Dubai
141 MEDICOM PHARMACY (AL PHARABI
PHARMACY)
Pharmacy Gold Souq, Dubai Dubai
142 MEDICOM PHARMACY 10 (AL SABA
PHARMACY)
Pharmacy Near Up Town Mall, Mirdif, Dubai Dubai
143 MEDICOM PHARMACY 2 (AL WASL
PHARMACY)
Pharmacy Mercato Centre, Jumeira Beach Road, Dubai Dubai
144 MEDICOM PHARMACY 8 (CENTURY Pharmacy Century Mall, Hamriya, Dubai Dubai
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PHARMACY)
145 MEDICOM PHARMACY 12 (DUBAI
CENTURY PHARMACY)
Pharmacy Behind Bin Souqat Centre, Al Rashidiya, Dubai Dubai
146 MEDICOM PHARMACY 5 (EMIRATES
CO-OP PHARMACY)
Pharmacy Emirates Cooperative Society, Al Twar, Dubai Dubai
147 MEDICOM PHARMACY 7 (FLAME
PHARMACY)
Pharmacy Al Mizhar Mall, Al Mizhar-I, Dubai Dubai
148 MEDICOM PHARMACY 6 (MAZAYA
PHARMACY)
Pharmacy Mazaya Centre,Sh Zayed Road, Dubai Abu Dhabi
149 MEDICOM PHARMACY 11 (NEW FLAME
PHARMACY)
Pharmacy Opp. Al Towar Centre, Al Qusais, Dubai Sharjah
150 ASTER PHARMACY LLC - FARMACIA
HOME HEALTH CARE
Pharmacy SafeerMall, Mussafah Dubai
151 AL SHUALLA PHARMACY Pharmacy SAFEER MALL, SHARJAH Sharjah
152 MEDICOM PHARMACY 4 (TOWN
PHARMACY)
Pharmacy Town Centre, Jumeira Beach Road, Dubai Ajman
153 MEDICOM PHARMACY 17 (AL ANSAR
PHARMACY)
Pharmacy Ansar Mall, Al Nahada Road, Sharjah Umm Al
Quwain
154 MEDICOM PHARMACY 18 (AL ALAM
PHARMACY)
Pharmacy Safeer Mall, Ajman dubai
155 MEDICOM PHARMACY 26 Pharmacy AL MANAMA MALL, UMM AL QUWAIN Dubai
156 MEDICOM PHARMACY 14 (MADINA
MALL)
Pharmacy Madina mall, Al qusais Dubai
157 MEDICOM PHARMACY 9 (AL QEMMA
PHARMACY)
Pharmacy Opp. Al Qusais Police Station, Al Qusais, Dubai Dubai
158 MEDICOM PHARMACY 13 (HOME
PHARMACY)
Pharmacy Oppostie :- Karama Centre, Karama, Dubai Dubai
159 DOCTORS PHARMACY Pharmacy Satwa R/A,Behind Union Cooperative,Satwa Dubai
160 ASTER JBR PHARMACY Pharmacy P42, plaza level,sadaf4,The Walk, JBR Ajman
161 ASTER PHARMACY (DUBAL BRANCH) Pharmacy Dubal dubai
162 MEDICOM 27 PHARMACY Pharmacy Shop No.1, Abdullah abu shihab Building, Sheikh kaleefa
street
dubai
163 ASTER DIP PHARMACY L.L.C Pharmacy Ramla Hypermarket, Dubai Investment Park dubai
164 NEW ASTER PHARMACY JLT Pharmacy Shop no. G011-b, Red Diamond Building JLT Fujairah
165 ASTER PHARMACY1(BR.ASTER
PHARMACY LLC)
Pharmacy Kalid bin waleed road, Burdubai RAK
166 ASTER PHARMACY-FUJAIRAH
BRANCH LLC
Pharmacy Emirates Spring Building, Hamad bin Abdullah Street, Fujairah sharjah
167 MEDICOM PHARMACY 23 (AL ENAYA
PHARMACY)
Pharmacy Airport Road, Al Kharan, Opp: Bin Zahir Boys School Dubai
168 CRISTAL PHARMACY Pharmacy Al Shamsi Blg.,Shop 4, Al Tawoon Area, Sharjah dubai
169 CENTRAL MARKET PHARMACY Pharmacy Near to DAFZA metro station, Al Qusais,Dubai Sharjah
170 ASTER PHARMACY 98 Pharmacy Sameya Khalifa Mohamed Al Fuqaei Building, Shop No.8, 24th
Street. Muhaisina 2nd, Sonapur
dubai
171 ASTER AL BUHAIRAH PHARMACY Pharmacy Lagoon Tower, Corniche, Al Buhairah, Sharjah, UAE Dubai
172 ASTER PHARMACY 3 (BR OF ASTER
PHARMACY L.L.C)
Pharmacy G32 ground floor, Dubai outlet mall, Dubai
173 ASTER PHARMACY 2 (Br of Aster
Pharmacies Group LLC)
Pharmacy Unit No 4&5, Ground Floor,Carrefour Centre, Dubai Investment
Park
Sharjah
174 ASTER PHARMACY 100 (Br of Aster
Pharmacies Group LLC)
Pharmacy Al Razi building, Building No 64, D block, DHCC Dubai
175 ASTER PHARMACY 107 Pharmacy Hassan Baba Hassan Building, Groud floor, King Faisal Road,
Sharjah
Dubai
176 PANACEA PHARMACY MADINAT (Br of
Aster Pharmacies Group LLC)
Pharmacy Madinat Jumeriah souk,Shop no.90, Umm suqeum, Jumeriah
beach road, Near to Burj al arab hotel
Dubai
177 ASTER PHARMACY101(Br of Aster
Pharmacies Group LLC)
Pharmacy AQU Building, Al Qusais1, Sheikh colony, Near to DAFZA
metro Station
Dubai
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178 ASTER PHARMACY110 (Br of Aster
Pharmacies Group LLC)
Pharmacy Mandarin Building, Ground floor, Street 13A, Oud Mehtha,
Near Lamcy Plaza
Dubai
179 ASTER PHARMACY 6 (Br of Aster
Pharmacies Group LLC)
Pharmacy Dubai Silicon Gate 1 - Building, First Floor, F-S-101A, Gate 1,
Silicon Oasis, Opposite Choithram & Baskin Robins
dubai
180 AL DORRA PHARMACY (Br of Aster Al
Shafar Pharmacies Group LLC)
Pharmacy Villa 351, Beach Park,Near Medcare child clinic, Jumeira dubai
181 AL AWEER SOCIETY PHARMACY (Br of
Al Shafar Pharmacies Group LLC)
Pharmacy Union cop, Near Fruit & Veg Market dubai
182 UP TOWN PHARMACY (Br of Al Shafar
Pharmacies Group LLC)
Pharmacy Uptown complex, Mirdif DUBAI
183 HIGH WAY PHARMACY (Br of Al Shafar
Pharmacies Group LLC)
Pharmacy enoc station, opp. Wasel hospital dubai
184 DRAGON PHARMACY (Br of Al Shafar
Pharmacies Group LLC)
Pharmacy Dragon mart , BAN 05& 06 dubai
185 DRAGON MART PHARMACY (Br of Al
Shafar Pharmacies Group LLC)
Pharmacy Dragon Mart Main Entrance dubai
186 JABAL ALI GARDENS PHARMACY (Br of
Al Shafar Pharmacy Group LLC)
Pharmacy Enoc station, Behind ibn batuta Mall dubai
187 AL FARDOOS PHARMACY (Br of Al
Shafar Pharmacies Group LLC)
Pharmacy Supreme residency, International city dubai
188 ASTER AL SHAFAR PHARMACY
(FORMELY KNOWN AS LAMCY
PHARMACY)
Pharmacy Lamcy plaza, 1st floor dubai
189 AL FAISAL PHARMACY LLC Pharmacy Choitram, Umm sequm dubai
190 SARA PHARMACY LLC Pharmacy Spinneys, Karama Dubai
191 UMM HURAIR PHARMACY (BR OF
ASTER AL SHAFAR PHARMACY)
Pharmacy G5&G6 - J3 MALL, Al Manara, Dubai Dubai
192 ASTER PHARMACY 5 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No 02, CBD 29, Al Warsan 1st, International City dubai
193 ASTER PHARMACY111 (Br of Aster
Pharmacies Group LLC)
Pharmacy Muhaisinah Plaza Building, Shop No.6,Muhaisanah 4,Lulu
Village, Near The Indian Academy, Behind Madina Mall
dubai
194 ASTER PHARMACY104 (Br of Aster
Pharmacies Group LLC)
Pharmacy Building-L-11, Shop No.2, Greece Cluster, International
city,Near Thomsun Super Market
Dubai
195 ASTER PHARMACY103 (Br of Aster
Pharmacies Group LLC)
Pharmacy Building-N04, Shop No.S-04, Al Warsan First, International
city, Persia Cluster
Dubai
196 ASTER PHARMACY105 (Br of Aster
Pharmacies Group LLC)
Pharmacy Bldg. I - 11, Shop No. 02, Al Warsan First,International city,
Morocco Cluster
Dubai
197 ASTER PHARMACY 116 (Br of Aster
Pharmacies Group LLC)
Pharmacy Mirdif Commercial Complex, Shop No. 1 &2, Mirdif, Westzone
Super Market
Dubai
198 ASTER PHARMACY 112 (Br of Aster
Pharmacies Group LLC)
Pharmacy Mohamed Khlifa Al Khalafi Building, Ground Floor,Rolla Street,
Al Raffa, BurDubai
Dubai
199 ACCES PHARMACY (Br of Aster
Pharmacies Group LLC)
Pharmacy Al Arif Building, GF-1, Al Qouze-3, Al Qouze Dubai
200 ASTER PHARMACY 118 (Br of Aster
Pharmacies Group LLC)
Pharmacy OBS Building,Ground Floor, Shop No.2, Near to NMC
Hospital, Amman Road,Al Nahda
Dubai
201 ASTER PHARMACY 117 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No. 12, Bait Al-Waleed, Al-Souq Al-Kabeer,
Mankhool,Bur Dubai, UAE
Dubai
202 ASTER PHARMACY 113 (Br of Aster
Pharmacies Group LLC)
Pharmacy Mirdif Mall, Uptown Mirdif,Near to Medcare clinic, Mirdif Dubai
203 ASTER PHARMACY 114 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No 12 & 13,Aswaq Mall, Al Barsha South 1, Al Barsha Abu Dhabi
204 ACCESS PHARMACY 2 (Br of Aster
Pharmacies Group LLC)
Pharmacy Access Clinic Building, Al Muhaisina-2, Sonapur, Near to Bus
Station
Dubai
205 AL SHAFAR PHARMACY LLC-
ABUDHABI
Pharmacy Shop No.73, Ground Floor, World Trade Center, The Souk,
Oppo: Souad Jwellery
Dubai
206 ASTER PHARMACY 123 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No3, Al Ghurair Real Estate Building, Al Muteena Street,
Deira, Near Dubai Palm Hotel
Sharjah
207 ASTER PHARMACY 120 (Br of Aster
Pharmacies Group LLC)
Pharmacy Abdul Raouf Mohammed Saleh Alavi Building, Al Warqa 1, Al
Warqa, Near Aswaq Mall
Sharjah
208 ASTER PHARMACY 121 (Br of Aster
Pharmacies Group LLC)
Pharmacy Silver Sand Building, , Al Nahda,Opp Juma Al Majid Building Ajman
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209 ASTER PHARMACY 106 Pharmacy Goldensands Building, Al Ittihad Road ,Al Nahda, Near to
Shafeer Mall
Fujairah
210 ACCESS PHARMACY- AJMAN Pharmacy Haramain Souk,New Industrial Area, Near to Emirates Gas RAK
211 ASTER PHARMACY 8 (Br of Aster
Pharmacies Group LLC)
Pharmacy Century Mall, Faseel Road, Near Beach Motel Dubai
212 ASTER PHARMACIES GROUP LLC RAK
BRANCH
Pharmacy Shop No.GF50, Safeer Mall, Air Port Road,Ras Al Khaimah Dubai
213 ASTER PHARMACY 126 (Br of Aster
Pharmacies Group LLC)
Pharmacy Mohammed & Rashed Khalifa Building, Iranian School Road,
Opp: Wall Street Exchange, Karama, Burdubai
Dubai
214 ASTER OPTICS (Br of Aster Pharmacies
Group LLC)
Pharmacy Bait al Waleed Building, Kalid Bin Waleed Road, Near to Al
Fahidi Metro Station, Burdubai
Dubai
215 ASTER PHARMACY 129 (Br of Aster
Pharmacies Group LLC)
Pharmacy Ground Floor,Marjana Plaza Building, Al Bada, Satwa Dubai
216 ASTER PHARMACY 119 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No.7,Meadows, Emirates Hills 3,Enoc 1086 Dubai
217 ASTER PHARMACY 115 (Br of Aster
Pharmacies Group LLC)
Pharmacy Discovery Pavilion,Street 7,Discovery Garden Dubai
218 ASTER PHARMACY 124 (Br of Aster
Pharmacies Group LLC)
Pharmacy Ground Floor,Sukoon Tower, Marina, Dubai Dubai
219 ASTER PHARMACY 127 (Br of Aster
Pharmacies Group LLC)
Pharmacy Royal Oceanic-1, S-01,Plot No:218, Marsa Dubai, Near Le
Meridien, Dubai Marina
Abu Dhabi
220 ASTER PHARMACY 128 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop 2, Abu Hail Building, Plot no:2130(126-449), Abu Hail,
Deira
Abu Dhabi
221 Aster Pharmacies Group LLC- Branch of
Abudhabi 1
Pharmacy Al Hamed Building, Al Falah Street, Blue Diamond, Behind
Jumbo Electronics
Dubai
222 Aster Pharmacies Group LLC- Branch of
Abudhabi 3
Pharmacy Building No. EC –C-19, Hamdan Street, Near to LULU
International Exchange
Dubai
223 Access Pharmay 3 (Br of Aster
Pharmacies Group LLC)
Pharmacy Shop No:8, 550 SQFT.AT, Plot # 597-874, DIP-2, Near to
Access Clinic DIP
Dubai
224 ASTER PHARMACY 130 Pharmacy Shop No.1, Bunyan Tower, Ground Floor, Plot No#392-252,
Behind Damac Properties Metro Station, Opp- Trident Building,
Dubai Marina, Dubai
Dubai
225 AL HSAYAT PHARMACY Pharmacy PO BOX 159 , OPPOSITE HOME CENTRE,AL MUNTASSER
ST.,AL NAKHEEL RAS AL KHAIMAH
RAK
226 Royal Pharmacy Pharmacy P.O Box 5486, Sultan Fadel Bldg. Al Qwasim Corniche, Ras Al
Khaimah,UAE
RAK
80 GMC Hospital Hospital Ajman
81 GMC Hospital Hospital Fujairah
82 GMC Medical and Dental Specialty
Centre
Hospital Sharjah
83 Thumbay Clinic Medical center Ajman
84 Thumbay Clinic Medical center Dubai
85 Thumbay Clinic Medical center RAK
86 Thumbay Clinic Medical center UAQ
87 NMC Specialty Hospital LLC Hospital Abu Dhabi
88 NMC Day Surgery Centre LLC Hospital Abu Dhabi
90 New Medical Centre Specialty Hospital
LLC
Hospital Al Ain
91 New Medical Centre L.L.C - Branch of
Abu Dhabi 2
Medical center Al Ain
92 Oasis Hospital Hospital Opp. new Etisalat Building, Sanaiya Road Al Ain
Member’s Guide 2021 - 2022
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8. ANNEXURE II - Table of Benefits
Territorial Scope
The principal residence of covered persons under policies covered under this scheme must be
CAT A – Worldwide excluding USA & Canada
CAT B – Oman, Arab Countries, SEA, Home Country excluding USA & Canada
CAT C – Oman, India, Bangladesh, Pakistan & Home Country excluding USA & Canada
South East Asia - Bangladesh, Bhutan, Burma India, Indonesia, Malaysia, Nepal, Pakistan, Philippines, Sri-lanka,
Thailand & Vietnam.
Arab Countries - Afghanistan, Algeria, Djibouti, Egypt, Iran, Iraq, Jordan, KSA, Kuwait, Lebanon, Libya, Mauritania,
Morocco, Bahrain, Palestine, Qatar, Somalia, Sudan, Syria, Tunisia, UAE, Yemen
The indemnity of treatment in Non-designated Network or outside the Sultanate of Oman(Within Territorial Scope) will
be calculated according to the reasonable and customary cost of treatment or similar treatment as per applicable
Oman network hospital rates
- CAT A- Reasonable & Customary Charges Oman Network hospital (Muscat Private Hospital)
- CAT B - Reasonable & Customary Charges Oman Network hospital (KIMS Hospital)
- CAT C - Reasonable & Customary Charges Oman Network hospital (Life Line Hospital)
The indemnity for treatment outside the Sultanate of Oman (Excluding USA & Canada) in emergency cases(Life-
threatening) is calculated according to the reasonable and customary cost of similar treatment in Oman
Worldwide in respect of business travel and/or vacation provided that the maximum aggregate period of travel on
business and/ or vacation does not exceed 45 days during the period of any one individual policy hereunder. The
indemnity for treatment outside the Sultanate of Oman (Excluding USA & Canada) in emergency cases (Life-
threatening) is calculated according to the reasonable and customary cost of similar treatment in Oman.
Annual Maximum Limit per
person
CAT A - RO 7,000 Per Person Per Year
CAT B - RO 3,000 Per Person Per Year
CAT C - RO 2,000 Per Person Per Year (Max limit Per OP claim RO 50/- & UAE AED 500)
Age group (Eligible
members : Employees,
Spouse and Kids)
14 days to 65 years.
Member only under Cat A & Cat B can be covered from 65 years to 70 years subject to providing proof of their
coverage under current policy (Medical card copy) No coverage above 70years
Network
CAT A - Oman: A+,A,B UAE: NLG UAE Inhouse RN (In+Out) Network
CAT B – B, Al Raffah Hosptial
CAT C – B (Excluding Apollo, IMC, NMC)
Silver Network - Inayah for members in Madha camp site, UAE.
In Patient & Daycare at Network Provider (Maximum 45 days per admission)
Annual Limit As Per AML above
Hospitalization Class Private Room (Rent subject to Max RO 100 per day for GN &
Max RO 65 per day for RN & Max RO 50 per day for RN2)
Hospitalization
Accommodation and Related
Services
1- At Network covered in Full with a maximum of 21 days with an option of extension to 45 days after prior approval by
Insurer. In Emergency cases a prior approval is not necessary for the extension up to 45 days.
2- At Non-Network: Reimbursement covered up to maximum RO 50 per day
Cash Benefit payable for IP
treatment free of charge in
government hospitals in the
Sultanate of Oman
CAT A & B RO 15 per day up to a maximum of OMR. 150.
CAT C RO 10 per day up to a maximum of OMR. 100.
The total amount of "Hospital Cash Benefit" should not exceed the costs for the same treatment in a network hospital
Intensive care unit and
coronary artery disease
treatment
Covered subject to a maximum of 30 days per admission
Consultant's, Physician's,
Surgeon's & Anesthetist's
Fees
Covered
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26
Various therapies including
Physiotherapy,
Chemotherapy, radiation
therapy, etc…Charges
Covered
Recipient Organ
transplantation service,
excluding any charges
related to Donor
Covered
Use of hospital medical
equipment (e.g. heart and
lung support systems, etc) Covered
Ambulance Services (In
Medical Emergency only and
if followed by admission) Covered up to OMR 100/- Per trip (Only in Oman)
Nursing at Home, for
recovery and in lieu of a
hospital stat up to a
maximum of 14 days per
admission or procedure
Covered up to RO 250 per person per year
Companion Room and
Board accommodation Expenses (up to RO 10 per day) for accompanying a child below 16 years for a maximum of 15 days
Coinsurance for Treatment
at Non-designated Providers
within territorial Limit,
Excluding Government
Hospitals and Health centers
in Oman (after the other
applicable deductible and
benefit coinsurance)
CAT A & B - Inside Oman outside Network & Home country- 10% copay
CAT C - Inside Oman outside Network - 10% copay
Medical Evacuation &
Repatriation costs for the
transport of mortal remains
to the country of origin
Covered up to OMR 1000 Per Person Per Year
Outpatient at Network Provider:
Annual Limit Up to AML above
Approval CAT A Only : (Top Exc.) pre-approval requirements waived off up to RO 100/- for OP Visit
Day Care Treatment Covered
Out Patient Surgery Covered
Consultations
CAT A – RO Nil & 10% Copay in MPH for OP services
CAT B – RO 1
CAT C – 2/-
2-Network Claims: Direct Billing
Visiting Consultant : Covered as per the Same Specialist Cost of the Hospital or Maximum of RO 15/- Per Visit in
GN network, Maximum of RO 10/- Per Visit in RN Network & Excluded in RN2 Network
3- Non Network : Reimbursement claims will be settled as per the reasonable & Customary Charges of applicable
Network Hospital in Sultanate of Oman.
Diagnostics (X-Ray, MRI, CT
Scan, Ultra Sound, etc.) and
Laboratory tests
Covered
Physiotherapy (Require Pre - 1- Covered up to 12 sessions, Maximum RO 100 per year
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authorization) 2- Non Network/ Reimbursement claims are covered maximum up to OMR 8/- per session
Prescription drugs
Covered, subject to pre-authorization by Insurer
1- Chronic medication prescribed for more than 1 month
2- Prescription cost above OMR 50 ( CAT C - Above RO 30/- requires pre approval )
Alternative Medicine (e.g.
Ayurveda, Homeopathy,
Treatments)
Maximum RO.250 per person per annum & up to OMR.5/- for consultation
(Consultation & Medication Only)
Emergency Dental
Treatment for accident
damage to natural teeth
(subject to report accident
within 72 hours)
Covered if treatment required within one month following accidental damage to sound natural teeth is caused by a
violent external means when the treatment is given by a Physician, dentist or dental surgeon. (Treatment not covered
as the result of the consumption of food and drink or any foreign bodies contained in such items)
Deductible per each & every
claim (not applicable for
follow-up within 7 days with
the same doctor)
CAT A – RO Nil & 10% Copay in MPH for OP services
CAT B – RO 1
CAT C – 2/-
Coinsurance for Treatment
at Non-designated Providers
within territorial Limit,
Excluding Government
Hospitals and Health centres
in Oman (after the other
applicable deductible and
benefit coinsurance)
CAT A & B - Inside Oman outside Network & Home country- 10% copay
CAT C - Inside Oman outside Network - 10% copay
Agree for reimbursement up to 90% of admissible amount or reasonable and customary charges whichever is
less)
In-house Pharmacy Access Covered
Other benefits (Compulsory for all members under the scheme - premium rates will be paid by all insured members under the scheme and not
only the one covered
Pre-existing and Chronic
Conditions for Inpatient and
Out Patient:
CAT A – 100% of ABL
CAT B – Covered up to RO 1,000/- PPPA
CAT C – Covered Up to RO 100 PPPA
ADDITIONAL / OPTIONAL BENEFITS
Maternity (limited to 1
delivery/ abortion per
person per year & subject to
Nil moratorium period). It
covers:
CAT A & B - Maximum expenses: RO 1,150 PP
1- Same Out Patient Deductible as per the selected plan will be applicable
2-Normal Delivery / Complication - RO 550 + RO 250 - additional RO 250 can be used for maternity or for new born
baby subject to a time period of 1 month from Date of birth with limit RO 800/-
& Caesarian Delivery RO 1000
3- Legal Abortion: Maximum expenses RO 450
4-Cash Benefit of RO 250 - Applicable only for the members Covered under Maternity benefit has not utilized the
Benefit and treated in Government Hospital from the 1st day of Pregancy till Delivery
(Government Hospital Discharge Summary Report on Delivery should be Submitted)
1- Pre and Post natal
treatments
2- Normal Delivery/
Complications
3- Caesarean Section
4- Miscarriage/ Legal
Abortion
5- Nil% Coinsurance for
maternity treatments (after
the other applicable
deductible)
Dental: Include dental
consultations, tooth
extractions, tooth fillings,
root canal treatment
CAT A & B -Covered up to a maximum of OMR 200 PPPA
Co-Payment of 20% applicable.
Dental cleaning once in a year, as well as periodontal treatment: covered a pool limit up to OMR.1,500/- for
total group of Cat A & B members (On reimbursement basis)
Optical: 1- Vision tests for
errors of Refraction and One
Prescribed pair Plain lenses
for spectacles per person
per year
CAT A & B -Covered up to a maximum of OMR 200 PPPA.
Covered on Reimbursement basis only. Nil copay
One Pair of Plain Lenses Per Person Per Year
(GN : Maximum Cost of RO 75 Per Pair Lenses &
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28
2- Co-insurance for optical
treatments (after the other
applicable deductible)
RN : Maximum Cost of RO 40 Per Pair Lenses)
Umbrella cover Covered up to RO 10,000 for whole group (Max RO 3000 PP )
(Applicable only for the members Utilized full ABL)
Vaccination Not Covered
Psychiatric treatment:
psychiatric treatment
requires pre-authorization,
shall cover psychiatric
consultation and
medication, and should be
referred from a GP
Not Covered
Other Conditions
• Transportation expenses for IP treatment abroad is covered as per the following:
- Cost of treatment outside Oman for the required medical procedure is less than 50% of applicable network tariff in
Oman ( including the cost of the airfare)
- Patient Only - accompanying persons not covered for in-patient treatment
- Reimbursement basis subject to prior approval
• Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor, and
excluding the acquisition and organ cost
• Treatment outside Sultanate of Oman is subject to reasonable & customary charges in Sultanate of Oman.
• Emergency medical evacuation is not included
• Hormonal Replacement therapy shall be covered excluding infertility related hormones and growth hormones
• Acts of terrorism are not covered
Notes
1. Full Refund is subject to annual maximum limit and Sub-limits per person
2. Treatment for emergency conditions shall not require pre-authorization, but such cases are to be notified to the
company within 48 hours of the emergency treatment
3. Utilization of medical expenses above the Policy Annual limit or any of the Benefit Limit will be borne or recovered
from the member or policy holder
4. Reimbursement claims (with prior approval only) should be submitted within 60 days from the Date of treatment in
medical Reports & medical Bills. Resubmission and submission of additional requirements should be submitted within
30 days from the date intimation from claim team.
5. Members not using Medical Card in our Network panel Hospital / Clinic / Medical Centre will be reimbursed with our
agreed tariff rate with that center.
6. Insurer reserves the right to include / exclude / upgrade banding / degrade banding of any clinic or hospital at any
time from the designated provider network list.
7. Any Upgradation of Network in between the Policy period is not allowed or will be charged full Contribution.
8. In case of any deletion after which card is not returned to the insurance company and is utilized, the claimed
amount will be debited to the Insured/Company.
9. All other Terms and conditions are as per Insurer’s standard policy wordings and conditions mentioned in accepted
Quotation is also applicable.
10. Covid-19 is covered within the territory of Sultanate of Oman and is subject to the guidelines issued by Capital
Market Authority and Ministry of Health.
8. Annexure III – Exclusions
The items procedures and medical conditions listed below and their related or consequential expenses are excluded from the coverage
provided under this policy unless specifically stated to be included in the table of benefits or endorsement(s) to this policy:
1. All pre-existing conditions, unless agreed otherwise in the schedule of benefits. Unless otherwise provided for under the plan and listed in
the table of benefits, treatment of chronic conditions including palliative treatment and routine follow up consultations.
2. Services, accommodation or treatment charges incurred in health hydras, spas, nature cure clinics, rest homes or any similar place even if
it is registered as a hospital, residential stay in a hospital or any similar institution arranges wholly or partly for domestic reasons and which is
not directly related to treatment, or beyond the period required for recovery from treatment ,Services received before the effective date of
coverage or during an inpatient stay that began before the effective date or services received after coverage ends.
3. Routine ear examination, routine foot care, Routine I Preventive medical examinations or check-ups, vaccinations, inoculations, medical
certificates and examination for residence, employment or travel.
4. All Dental, Optical and Maternity benefits, unless listed in the table of benefits.
Member’s Guide 2021 - 2022
29
5. Any pharmaceutical products which are not on the approved list of drugs and which are not considered to be medically necessary for the
specific treatment of the medical condition or bodily injury as per the list in Annexure-II attached to the policy contract.
6. Cosmetic treatment or circumcision unless medically necessary and pre-authorized by the insurer.
7. Tests or treatment related to contraception or sterilization, infertility, impotent, sexual dysfunction or any similar condition.
8. Birth defects, developmental disorder, congenital illness or hereditary conditions, deviated nasal septum.
9. Treatment of mental illness, psychiatric, behavioural disorders, psychological disorders including but not limited to anxiety, insomnia,
homesickness, unless listed as covered in the table of benefits.
10. Any treatment or test for acquired immune deficiency syndrome (AIDS), HIV and all sexually transmitted diseases, its complications and
consequences.
11. Self - inflicted I intentional injury, suicide, alcohol or drug addiction/abuse or use of intoxicating/narcotic substances, impairment of an
insured persons intellectual faculties by abuse of stimulants or depressants or by the illegal use of solid, liquid or gaseous substances.
12. Treatments resulting from racing of any form, treatments to injuries arising out of participation on behalf of organized amateur or
professional sports team and participation in hazardous sports/activity including but limited to scuba diving, dune bashing/biking,
parachuting, hand gliding, rock or mountain climbing etc.,
13. Treatment for any illnesses or injuries resulting from active participation in war, riots, illegal activity, civil disturbances, terrorism, acts
against any foreign hostility, whether war has been declared or not treatment for any medical conditions arising directly or indirectly from
chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel/weapons.
14. Treatment received outside the territorial limits described in the table of benefits and/or expenses incurred where the insured has
travelled against medical advice. Elective Treatment unless pre-authorized by the insurer.
15. Costs incurred in connection with locating or the acquisition of a replacement organ or any costs incurred for removal of the organ from
the donor, transportation costs of same and all associated administration costs.
16. Prosthesis or implants /devices (including corrective) which are used for replacing a functional or structural loss of a particular body part
or an organ and medical appliances that are not surgically required.
17. Any Treatment not considered as medically necessary or any substance not considered as medicine such as but not limited to tonics,
slimming pills. Reconstructive/Plastic surgery unless necessitated due to accidents, Aesthetic/Cosmetic Treatment/Preparations including
but not limited to hair removers, skin care products, moisturizing lotion, creams and other similar products, scalp and hair lotions, alopecia,
wigs/ toupee, shampoos.
18. Any medical prescription relative to a special diet, weight control/modification/maintenance, children's food, baby supplies, milk formulas,
food supplements etc.
19. Vitamins unless prescribed along with antibiotics or during antenatal period (if maternity benefit is covered for the member).
20. Treatment not ordered or received from a registered medical practioner or physician, complementary medicine applications such as
Chinese acupuncture, chiropractic and osteopath
21. Treatment of any allergic condition or disorder or tests, however, the initial visit to diagnose an allergy will be covered.
22. All substances which are not considered as medicines such as but not limited to mouthwash, toothpaste, lozenges, antiseptic solutions
etc.
23. Home visits unless it is an emergency as defined in the policy definitions.
24. Hormone replacement therapy (HRT) unless carried out as part of or immediately after a surgical procedure which is covered under the
table of benefits to this plan.
25. Skin disorders like warts, keloid, acne and Mollusum contagiosum.
26. Any treatment or test, second or subsequent opinion for which the required insurer's pre -authorization is not obtained, stay in hospital for
domestic reason where no active regular treatment is given by a specialist.
27. Benefits recoverable under other insurance policies like workmen's compensation act insurance, Motor insurance, social insurance,
travel insurance and personal accident.
28. Kidney dialysis.
29. Claims directly or indirectly occasioned by happening through, or in consequence if, aviation, other than as a fare paying passenger in a
fully certified passenger carrying aircraft, flown in the course of licensed operation for the transportation of passengers by properly licensed
crew.
30. Consultations or Treatment of speech and voice problems.
31. Treatment for Loss of hearing unless caused by a medical condition covered under the policy, hearing aids, ear and body piercing.
32. Experimental unproven treatment or drug therapy, Bariatric Surgery, Sleep Study, drugs/medical supplies not forming part of diagnosis.
33. Claims for Genetical disorders, cryopreservation, implantation of living cells or living tissue (including but not limited to stem cell
treatment), whether autologous or provided by a donor.
34. Treatment for anorexia nervosa, Bulimia, loss of appetite and other such eating disorders or any form of treatment by a psychologist.
35. Medical practitioner fees for the completion of a claim form or other administration charges.
36. Investigations into and treatment of obesity
37. Sex change operations and related treatments.
38. Expenses incurred because of complications directly caused by an illness, injury or treatment for which cover is excluded or limited under
your plan.
39. Diseases defined by the WHO as epidemic
40. Expenses incurred in relation to treatment for Systemic Lupus Erythematosus (SLE), Multiple Sclerosis, Ulcerative Colitis, Psoriasis,
Crohn’s disease, Immune Therapies (Immune Suppressants, Modulators and Stimulators).
41. Charges by a provider for telephone consultations.
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10. Annexure IV – Treatments which require Pre-Authorization
Preauthorization is required before the insured undergoes any of the following medical services:
1. Inpatient treatments implying all treatments where the Insured member requires hospitalization for a minimum of one (1) night, for
specialized medical attention and care, before, during and after the treatment. Such hospitalization can be for medical
management or surgical interventions which cannot be confined within the purview of outpatient / day care management.
2. Day care management or procedures wherein neither a continuous 24 hours hospitalization is involved nor is within the scope of
Outpatient treatment.
3. All Outpatient surgical procedures, including but not limited to:
a) Incision and drainage
b) POP application
c) Chalazion excision
d) Sebaceous Cyst/ Dermoid Cyst excision.
4. All medical imaging studies including but not limited to the following:
a) MRI (Magnetic Resonance Imaging)
b) CT (Computerized Tomography)
c) IVP (Intravenous Pyelogram)
d) Mammogram
e) Hysterosalpingogram
f) Bone Densitometry
g) Doppler Studies
h) Barium Studies
i) MCU (Micturating Cysto Urethrogram)
Please note that routine X-rays do not require preauthorization.
5. All endoscopic procedures including but not limited to :
a) Gastroscopy
b) Colonoscopy
c) Sigmoidoscopy
d) ERCP
e) Cystoscopy
6. Cardiac Studies including but not limited to:
a) Echocardiogram
b) Stress Echo
c) TMT – Tread Mill Test
d) Holter Monitoring
e) Ambulatory Blood Pressure Monitoring
7. Investigations and treatment for Oncology and related diagnostic investigations including but not limited to:
a) Fine Needle Aspiration Cytology
b) Surgical biopsy
c) Histopathology
d) Pap Smear
8. All pre-procedural serology tests including AIDS and all tests related to viral serology including but not limited to:
a) Rubella
b) CMV (Cytomegalovirus )/ Toxoplasma/ Malarial parasite
c) Herpes
d) Viral Hepatitis
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9. All hormonal tests including but not limited to:
a) Thyroid Function Tests
b) Follicle Stimulating Hormone
c) Luteinising Hormone
d) Prolactin
e) Testosterone
10. Neurological investigations including but not limited to:
a) Electroencephalography
b) Nerve Conduction Studies
11. Intra Articular Injections including but not limited to:
a) Injection Hyalgan
b) Injection Depomedrol
12. All vitamin and mineral estimations including but not limited to:
a) Vitamin D
b) Vitamin B 12
c) Calcium
d) Magnesium
13. Physiotherapy.
14. Nursing at Home
15. Long term medications for more than 30 days.
Note: Treatment for emergency conditions shall not require pre-authorization, but such cases are to be notified to the company within 48
hours of the emergency treatment.
Emergency shall mean: medical treatment following an accident, a disaster or any sudden/unexpected beginning or worsening of a severe
illness resulting in a medical condition that presents an immediate threat to the insured member and therefore requires urgent medical
measures by a doctor to prevent long term impairment of the insured health.
11. Annexure V - Pharmaceutical Exclusion List
Vitamins and Minerals (unless prescribed along with antibiotics).
Vaccinations
Medication given for infertility
Contraception/ Birth Control
Medications for Psychiatric/ Psychological problem and Mood-Altering Medications (if not covered under the Table of Benefits)
Soaps and Shampoos (Both medicated and non-medicated)
Cosmetics preparations (Creams / Lotions)
Supplementary medicines i.e. iron, Calcium, Magnesium, etc.,
General Antiseptic Solutions (e.g. Savion/ Dettol)
Tooth Brushes/ Dental Floss/ Tooth Paste
Mouth Gargles/ Mouth Washes / Throat Spray, Lozenges
Baby Formulae
Contact Lens Preparations,
Crutches, Braces, Slings, Lumbar Supports/ Corsets, Other Joint Supports,
Support Stockings/ Pantyhose
Breast Pumps, Massage machines, Exercise machines
Nebulizers, Orthopaedic Shoes, Heel pad/ Arch Support
Orthotics, Mouth Guards
Bandages, Crepe Bandages, Supports (any type), Cervical Collars
Hormonal Replacement Therapy
Medicines related to Acne
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12. Introduction to National Life Mobile App
NLGIC Mobile insurance application is a comprehensive Reimbursement and Pre-approval claim management solution that connects the
members, clients and brokers. Users can view Reimbursements, Pre-approval & relevant status.
1. Download NLGIC Mobile App
NLGIC Mobile App can be downloaded from http://www.nlicgulf.com/Nlgic-apps.html or from Google Play, App Store or Windows Mobile.
2. Registration
In order to use NLGIC Mobile App, Registration is required for the first time. Provide Name, Member ID (as per NLGIC Medical Card), Date of
Birth, Mobile No, Email and Password. Please note that the password must have at least one numeric character. Member and Policy must
be active during the registration. All fields on the page are mandatory for registration.
Please refer to your NLGIC Medical Card for your Member ID. On successful registration, you will receive an email notification to your
registered email id.
3. Login
Login using Email and Password as registered.
Member’s Guide 2021 - 2022
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Login page provides options for recovering or resetting forgotten password. In case you forget your password, please click the forgot
password option. If you wish to use the remember username and password option, click the Remember Me option.
4. Home
On successful login, home page is displayed with member name, member id, relationship of the insured member and their dependents.
5. View Member and Cover Information
On touching on a specific member, the Member and their Cover information as per the NLGIC Medical Card is displayed.
6. View Reimbursement Claim Status
On tapping a specific member on the screen, statuses of reimbursement claims are displayed on the first page. On the second page, the
pre-approval information is displayed. Navigate between pages by touching the dots on the bottom of the screen or by swiping on the page.
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