Cigna UHIP - Group Medical Insurance in Oman

A mandated health insurance plan in Oman that is fully compliant and in line with the local regulations.

Experience You Trust

225+ year heritage in healthcare, 60 years serving people globally and 20 years in the Middle East

Strong Global and Local Networks

Access to an extensive network of up to 340 medical providers across Oman

Round-the-clock Service

24/7/365 access to multilingual customer service experts

People First

Work with transparency, integrity, and an unwavering commitment to the health of our customers

Explore our Unified Health Insurance Policy in Oman

Cigna offers a Unified Health Insurance Policy (UHIP) for businesses in Oman that caters to basic healthcare needs of your employees. Our UHIP plan is designed for small and medium enterprises, ensuring you have the very best of care available as and when you need it.

This employee health insurance plan is serviced by MedNet, which is a leading Third-Party Administrator (TPA) in Oman, provides a range of healthcare solutions that are entirely in compliance with local regulations.


Key Benefits:

Unified Health Insurance Policy offers several benefits to its customers:

  • Inpatient & day patient hospital treatment and accommodation
  • Outpatient consultations, diagnostic tests, and prescription drugs
  • Add on benefits: Maternity, Dental and Vision Care
  • Access to Direct Billing at facilities based on the ‘Essential’ Network
  • Access to the HealthPass by MedNet app to help you manage your plan
  • 24/7 expert multilingual support

HealthPass by MedNet

Cigna has partnered with MedNet to offer you the best and locally compliant healthcare solutions in Oman. MedNet is a well-established TPA that has an experience of serving 80,000 customers for more than two decades in Oman. Through this partnership, members can not only access healthcare solutions but also access digital tool like HealthPass by MedNet app.



Key Features:

  • Find a Medical Facility

  • Submit and track claims

  • Live chat with a representative

  • Access Health Tools like BMI calculator, BP recorder and a health library

  • Download a digital ID card

Plan Comparison

Area of CoverPlan Suitable forPre-existing and Chronic ConditionsOut-patient Co-insuranceMaternity BenefitsDental & Vision BenefitsWellness Benefits


Area 1: Worldwide

Area 2: Worldwide Excluding USA

Area 4: GCC Countries

Large Corporates and Small & Medium Enterprises



Cigna Choice

Oman, Regional

Large Corporates and Small & Medium Enterprises






Small & Medium Enterprises

In-patient Only



Hear from Our Customers



"I would like to thank the team for all your help. You have been very helpful from the first moment onwards. The team was always available to answer all my questions by email or phone and guided me in choosing the right plan for me without pushing me towards any specific plan."


Vitaly Yanovskiy

"We would like to thank you for the great work you and your team have done to convince us that CIGNA will be the best option for us. We have also considered other insurance companies however, due to your ultimate professionalism, swift and clear response we have finally decided in favor of CIGNA."


Malik rizwan ul hassan

"The team has been very supportive to us. I have never seen any insurance companies assisting their clients in this manner and some of my friends have even been impressed by just the level of support provided to us by Cigna and that It is worth having a Cigna policy."

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Frequently Asked Questions

If an employee health insurance plan has co-insurance, members might have to pay a certain percentage of the treatment cost. This amount will depend on:

  • The Co-insurance percentage for all Out-Patient services as mentioned on the ID Card
  • Whether a member visited an In-Network Provider on a Direct Billing basis or an Out-of-Network Provider on a Pay-and-Claim basis in an Emergency

On the other hand, a deductible is a fixed amount that you need to pay when you visit a doctor for a consultation.
*Please check with your insurance provider to know more about the group medical insurance plan details and if there are additional co-insurances that may be applicable

Employer insurance may only cover basic inpatient and day-patient treatments, as required for compliance and which also may vary from company to company and benefits offered by various plans.

The Sultanate of Oman mandates that all residents are required to have at least a minimum level of medical insurance coverage with minimum benefits (pursuant to the prescribed provisions of Resolution No. 34 of 2019). To get the best health insurance for expats in Oman, you can check out Cigna.