Verification activities accounted for approximately 2.3 million transactions, while 1.4 million related to medical approvals and 700,000 to hospital claim submissions. Financial flows through the platform reached OMR 3.5 million in electronic transfers—indicative of its efficiency in speeding up settlements between insurers and providers.
Endorsement from the Financial Services Authority confirms that all nine licensed insurance companies in Oman are now fully connected to Dhamani. The network encompasses 33 private hospitals, 37 health complexes, 33 specialised health centres and 20 clinics, serving more than 650,000 policyholders. Daily transactions average 40,000, showcasing strong and sustained usage.
FSA’s second-phase preparations include integrating medical records—x‑rays, prescriptions and referrals—onto the platform. A consultative session held in mid‑June engaged insurers and private healthcare representatives to address technical readiness, regulatory coordination and anticipated challenges. The second roll‑out stage, expected to span eight months, aims to create a unified digital health dossier accessible across the platform.
During the platform’s first phase, completed in September 2024, Dhamani facilitated around three million health insurance transactions in Q1 2025, already streamlining approvals, claims and data handshakes between hospitals and insurers. Its backend technology also incorporates medical coding systems and security protocols designed to detect fraud, abuse and misplaced billing.
Premier Sheikh Abdullah Salem Al Salmi, Executive President of the FSA, described Dhamani as a benchmark in Oman’s digital transformation and regulatory reform. He emphasised its dual role—improving patient access to services while enhancing oversight of the healthcare value chain through data transparency and analytics.
Operationally, Dhamani serves as both a transactional hub and a monitoring system. Claims submission, previously a paper-laden process taking months, now occur digitally with insurers mandated to issue responses within set timeframes, helping curtail delays in treatment and reimbursement. The platform’s intelligence tools are applied to identify anomalies, enabling regulators to take corrective action swiftly.
Local insurers have acknowledged the benefits. A senior executive at a leading health insurer commented that “the clarity and speed provided by the system have cut down administrative overhead significantly,” citing faster claim turnaround as a direct benefit. Healthcare providers, meanwhile, report improved cash flow due to faster settlements, and some smaller clinics are scaling operations as a result.
Looking ahead, the upcoming phase is expected to onboard pharmacies and clinics into Dhamani’s system, further widening its reach. Integration will support singling out fraud in prescription claims and reinforce unified record-keeping. The long-term vision is for the entire private healthcare sector to operate through Dhamani, including pharmacies, clinics and diagnostic centres.
Dhamani also underpins Oman’s wider health insurance policy framework, including mandatory coverage for private sector employees and visitors. The platform supports compliance monitoring and ensures that coverage standards—such as inpatient, emergency and outpatient care—are met through automated checks and data feeds.
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Oman