FalconMedical Expenses

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When we think of the future, all of us are concerned about two basic things. One is financial security and the second is the health. It is necessary to have medical Insurance as our life itself depends on the cost and quality of treatment that we can afford.

Group Medical Insurance Plans

As per the labour laws the employer is to provide the medical facility to all the expatriate workers. If the company provides it as a component of a compensation package, a group health insurance plan can help you hire and retain the best workers.

Features:

Direct billing to all major Clinics and hospitals in Oman.
Cashless - paperless process for the employees.
Individual Health cards
Simple administration, as clinics bill us for the treatment provided
Overseas cover while on leave or business trips
Transportation expenses for emergency treatment abroad
Need not take permission from employer for medical treatment
24 hours Hotline provided, for easier administration of the scheme

RISHTEY PLUS: This Medical Insurance plan is for Individuals , Omanis / Expatriates and their dependants residing in Oman.

COVERAGE is for Inpatient treatment in India or in Oman:

Features	SI RO 5000	SI RO 3000
Geographical Scope	India +Oman	India +Oman
Hospitalization	Yes	Yes
Out patient Treatment	Not Covered	Not Covered
Cover 150 named day care surgeries	Yes	Yes
Pre (30 days) & Post(60 days)	Yes	Yes
Hospital room & board	No limit	No limit
Pre existing coverage	After 2nd year (With sub limit of RO 1500)	After 2nd year (With sub limit of RO 900)

Return airfare for Insured patient and 1 person accompanying on visit to India for treatment	RO 125 per member (Subject to a co-pay of 20%)	RO 125 per member (Subject to a co-pay of 20%)
Worldwide Personal Accident cover	Yes (SI RO 2,500)	Yes (SI RO 1,650)
Entry Age	1) 3 months to 55 years 2) From age 3 months to 6 years, covered only when at least one of the parent is covered	1) 3 months to 55 years 2) From age 3 months to 6 years, covered only when at least one of the parent is covered
Exit age on annual renewals	65 years	65 years
Health check up at customers cost	Above 45 years	Above 45 years
Covers	Hospitalization medical expenses incurred in Oman/India	Hospitalization medical expenses incurred in Oman/India
Network	1.Muscat Private Hospital is Excluded 2.Oman Network Hospitals of Falcon 3.India (4000 Network Hospitals)	1. Muscat Private Hospital is Excluded 2.Oman Network Hospitals of Falcon 3. India (4000 NetworkHospitals)
Treatment in non network hospital not allowed except for emergency	20% co-pay will be applied	20% co-pay will be applied
Policy Tenure	1 Year	1 Year

RISTEY PLUS Annual premium (Includes Insurance fee and Policy fee)
	Sum Insured
Age Bracket	Plan 3 (Sum RO 5000)	Plan 4 (Sum RO 3000)
3 months to 45 yrs	108	96
46 yrs to 50 yrs	156	144
51 yrs to 55 yrs	192	168