In a nonstick pan, heat the oil over medium heat. Add the onions and peppers and saute until soft, about 2 - 3 minutes. Add in the ham and cook for 1 minute.
Add the eggs and tomato to the pan. Cook, without stirring, until egg mixture begins to set, approximately 1 minute.
Using a heat-resistant spatula, gently lift corner of egg; tilt pan to allow uncooked egg to flow underneath. Cook until set. Repeat procedure until remaining egg is cooked.
Add the cheese and fold the omelet in half and serve with toast and sliced pears.