NATCARE: This is a cost effective Group Insurance Policy that covers medical expenses for the employees due to sickness, accident or critical illnesses. Natcare is provided in three different variants as follows:



Type of Cover       :   Inpatient & Outpatient Cover

Territorial Limits   :   Oman, India, Pakistan, Srilanka & Bangaladesh

Type of Cover        :   Inpatient only

Territorial Limits   :   Oman, India, Pakistan, Srilanka & Bangaladesh

Territorial Limits can be extended to Worldwide excluding USA & Canada for Emergency treatments during business trips and holidays for a maximum period of 45 days duration for any single journey, refund subject to the actual cost or reasonable & customary charges of the country of residence whichever is less. Members are entitled to use SOS International medical assistance services.

(Additional Premium payable for these benefits)

• Pre-Existing / Chronic Conditions
  
  
• Dental
  
  
• Optical
  
  
• Maternity
  
  
• Out Patient Physiotherapy
  
  
• Cost of Transportation
  
  
• Ayurveda & Homeopathy

Members will be eligible for insurance cover for this treatment subject to the terms and conditions, general exclusions, covered benefits and limitations as per the Table of Benefits .You may obtain medical treatment from providers of your choice, however, we recommend that you use the services of our Primary Care Designated Providers (band B) where you will enjoy preferential services. Please note that a coinsurance will apply where Non-designated Providers (outside Band B) are used.

You may obtain Inpatient and/or Daycare medical treatment from providers of your choice. However, a Referral from our Primary Care Designated Providers (band B) is required in order for your claims to be reimbursed in full. No Referral is required for any emergency cases. Please note that a coinsurance will apply where Non-designated Providers are used.

Should the attending doctor at the Primary Care Designated Provider determine that you require further Inpatient or Daycare specialist treatment, you will be referred to a Designated Primary Care Specialist or Secondary Care Provider.