01
Document overview
Sets the core health-insurance market rules for insurers, policyholders and employers, claims administrators and healthcare providers, including policy and coverage, participant relationships, supervision and complaints.
02
Scope and exclusions
Applies to
Preserves health policies in force before commencement until expiry; where those policies are silent, Decision 78/2019 and the unified policy form apply.
Limitations and exclusions
This record does not replace a particular policy, the unified form, Dhamani linking, claims-administration, cost-sharing rules or later operational directions.
04
Official source
CMA Decision 78/2019 · issued 2 October 2019 · effective the day after Official Gazette publication · Oman Financial Services Authority
September 13, 2026
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