You can’t plan when you will require medical attention, therefore it is important to understand your insurance benefits as soon as your policy starts. The easiest way to check your policy benefits is to login on the Bayzat Benefits mobile app or on our website http://www.bayzat.com/login, and click on ‘’My Policy’’ tab. Alternatively, contact your HR Department to request a copy of the table of benefits of your policy. To download the Bayzat app, click on one of the app store icon below Before requesting for a treatment, make sure to: 1. Check your policy Table of Benefits to understand the treatments covered under your policy. 2. Understand your overall limit and sub-limit applicable for the specific treatments. Dental, maternity and wellness often have sub-limits far less than the overall limit. 3. For physiotherapy claim submissions - Make sure to provide a medical report and a referral letter from a GP or orthopedic doctor, stating the need to carry out the physiotherapy sessions. Understanding your health insurance policy 01 STEP 1 SELECT YOUR TREATMENT FACILITY Bayzat’s Claim User Guide - OMAN INSURANCE https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://itunes.apple.com/ae/app/bayzat-benefits/id1057593226?mt=8 https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en https://play.google.com/store/apps/details?id=com.bayzat.benefits&hl=en • For Basic Essential Plans, please note that if you go out of your network, you will not be covered. • Make sure you have a printout of the Oman Insurance claim form, as you will need it to claim reimbursement. The Oman Insurance claim form has been attached to this user guide for your reference. • Please note that the insurer will limit the amount of your reimbursement to a Network Tariff Rate*, to which a deductible may apply. At Bayzat, we continually stress the importance of staying within your direct billing network as much as possible to avoid having to claim for reimbursement. To check which hospitals and clinics are part of your direct billing network, login the Bayzat Benefits mobile app or visit our website (http://www.bayzat.com/login), and click on the ‘’Hospitals & Clinics’’ tab: a customised map of the medical facilities covered in your network will appear. If your company does not have access to Bayzat Benefits, please contact your HR Department to request access or to receive a copy of the relevant Network List. *The Network Tariff Rate is determined in advance by the insurer for each treatment type and is used as a reference to calculate your claim reimbursement amount when you go out of your network. For example: you have decided to consult a specialist doctor for a consultation of AED 400 at the Saudi German Hospital, and the hospital is not within your policy network. If Oman Insurance Network Tariff Rate for this treatment is AED 300 (arbitrary amount set for this example), and if your policy also includes a 10% deductible for out of network claims, the claim reimbursement amount will be calculated as AED 300 minus the 10% deductible, leaving you with AED 270 paid by Oman Insurance and AED 130 to be paid out of pocket. WITHIN YOUR NETWORK OUTSIDE YOUR NETWORK *Disclaimer: This document is intended to provide you helpful information on the insurer’s claim reimbursement process. By voluntarily using this document, you acknowledge that under no circumstances shall Bayzat or its affiliates, partners or suppliers be liable for any kind of damages arising out of or in connection with this document.