Oman’s national health insurance platform Dhamani officially official

The digital winds are sweeping across Oman's healthcare sector, and the launch of Dhamani is the clearest sign yet. On Sunday, the Financial Services Authority (FSA) flipped the switch on the country's new national health insurance platform. This slick digital tool isn't just another software rollout — it's a bold attempt to untangle the knotted mess of paperwork, slow payments, and spotty coverage that's long plagued the private health insurance scene.

Sheikh Abdullah Salem al Salmi, FSA's Executive President, didn't mince words: "Dhamani is a transformative leap." And looking at the numbers, it's hard to disagree.

How does it work?

At its heart, Dhamani is a digital hub — a single platform connecting the dots between insurers and private healthcare providers.

Here's what it brings to the table:

• Real-time exchange of health insurance data and claims
• Direct integration with over 30 private hospitals and 3 health complexes
• Automated processing of around 40,000 transactions every day
• A robust database cataloging diseases, diagnoses, and treatments

It also handles the financial plumbing: ensuring hospitals get paid on time and policyholders don't get stuck in red tape.

And it's not vaporware. During its pilot, Dhamani facilitated nearly 3 million transactions in just three months — proof that it can handle real-world traffic without choking.

Why does it matter?

Let's face it — health insurance in Oman hasn't always been a smooth ride. Dhamani's promise is simple: faster processes, better transparency, and stronger coverage. It's not just about tech for tech's sake.

• Hospitals and clinics can finally breathe a little easier, with quicker, guaranteed payments.
• Insurance companies get better data and fewer claim disputes.
• Policyholders? They get peace of mind, and a smoother experience when they need care the most.

The system is already serving over 650,000 people — and counting. And by charging hospitals a small fee, it's also setting up a sustainable model to keep the lights on and the updates flowing.

The context

Oman's private health sector has grown rapidly, but the back-end systems haven't kept pace. Fragmented databases, delayed reimbursements, and a general lack of coordination were becoming a headache for everyone involved.

Enter Dhamani.

With RO1.6 million invested into its creation, this platform is more than a quick fix — it's infrastructure. A digital spine built to support a modern, national insurance ecosystem. It's also part of a bigger plan: to roll Dhamani out to every private clinic and health center in the country.

As Sheikh al Salmi put it, the platform is "not just a tool, but a foundation" — a foundation on which Oman hopes to build a more efficient, fair, and digitally-enabled health system.