Health Insurance
No, Unless stated in the Schedule of Benefits, medical expenses related to any pre-existing condition are not covered under the Scheme.
Yes, If applicable under the Policy and stated in the Schedule of Benefits; expenses incurred in connection with the pregnancy are covered subject to a sublimit and a waiting period. (Please refer to Sub-limit, Conditions and Exclusions of the Policy).
No, only the cost of the hospital/medical bills will be paid for, subject to the Policy Terms.
Unfortunately, not. Drug/narcotic abuse and treatment for alcoholic addiction are not covered by the Policy.
Unless stated in the Schedule of Benefits, Insurance will not provide any optical. There is coverage only if injury is caused to your eyes due to an accident.
Some of our Plans cover anything related to the ability to see. This includes vision tests, error of refraction, decreased vision, hypermetropia, myopia, astigmatism, anisometropia and presbyopia.
Claims must be submitted within a maximum period of 30 days.
Provided that the original Claim Form is fully completed and accompanied by all required original invoices and receipts; the claim will be paid within 14 working days.
No, the Scheme only applies to those who are residing with you in Bahrain.
Yes, please refer to your Schedule of Benefits.
You will bear an excess and/or a deductible towards the costs of treatment. Please refer to your Schedule of Benefits.
You are covered up to the Maximum Annual Limit as stated in the Schedule of Benefits. However, treatment outside of the Kingdom of Bahrain is reimbursed as per reasonable and customary charges applicable in Bahrain or the actual cost; whichever is lower.
The Cover ceases automatically once the Member leaves employment. This includes the employee’s dependents as well.
Test or treatments relating to infertility, contraception or sterilization are excluded under our Policy.
Pre-authorization is required for the following:
- All non-emergency day care and in-patient procedures. Emergency conditions do not require pre-approval, but shall be notified to us within 24-48 hour from the admission date.
- Out-patient treatments exceeding BD75, any CT scans, MRI or physiotherapy sessions.
Excess (deductible) is the proportion of costs of each claim borne by the member as specified under the Schedule of Benefits.
You can include any unmarried children under the age of 24 years onto your Plan from the inception of your cover as well as your new born child during the period of the Plan.
Yes, you can choose which Doctor will treat you and in which hospital/clinic within the Network Providers Directory.
The excess will be payable for each out-patient visit. No deductible is payable for a follow-up within 7 days for the same ailment and with the same Doctor, whether in or outside the Network Providers.
Yes, emergency and routine dental treatment for the immediate relief of pain and for the restoration of natural teeth, including x-rays, extractions, root canal treatment and gum treatment up to the annual sub-limit as mentioned in your Schedule of Benefits, but excludes, bridges, crowns, orthodontic and other type of dental treatment.
Life Insurance
You have a 30-day grace period to pay the premium or the policy will be lapsed, subject to the terms and conditions stated in the Policy wording.
Yes, subject to a fulfillment of a set of underwriting requirements.
Yes, a financial underwriting process will be conducted, and from that a specific sum assured will be disclosed to you.
Yes, there isn’t a specific limit on how much coverage you can buy. However, it will need to be financially reasonable. When you apply, we may ask about your current coverage, income and assets.
Yes, depending on the medical report provided and the waiting period specified in the policy terms and conditions.
Your immediate family members, your spouse, and your children.
Level term assurance policies can cover an individual up to the age of 65. The decreasing term assurance policies can cover an individual up to the age of 74.
There are several factors that influence the calculation of the life insurance premium, such as: your age, your health condition, your policy sum assured, and the duration of your policy.
Death due to any cause is the primary cover. You can add any of the following benefits to your policy:
- Permanent total disability,
- permanent partial disability,
- accident and sickness,
- or accident only,
- accidental death benefit,
- passive war risk,
- passive terrorism
- critical illness
- terminal illness
Coverage is worldwide, subject to you being a resident in Bahrain during the inception of the Policy.
For life insurance policies, your policy will be lapsed and canceled if not paid within the 30-day grace period. For investment policies, your policy will be lapsed and will be surrendered and you will be paid based on your contribution to the policy specified in the Surrender Value Table.
Yes, only the Policyholder has the right to change the beneficiary.
There is a claim notification period stipulated in the policy, if all sufficient documents have been submitted within this period, then the claim will be processed and payable.
