Benefit

Coverage

ü  Room and board according to the hospitalization class as specified in the schedule

ü  Intensive care unit and coronary artery disease treatment

ü  Surgeon and anesthesiologist fees

ü  Hospital services (surgery, theatre, anesthesia, pharmacy, laboratory, radiology, etc.)

ü  Use of hospital medical equipment (e.g. heart and lung support systems, etc.)

ü  Intra-venous infusions, injections, etc.

ü  Diagnostic and laboratory tests, x-rays, electrocardiograms, scans, etc. (only related to the original cause of covered hospitalization)

ü  Various therapies including physiotherapy, chemotherapy, radiation therapy, etc.

ü  Physician and other specialist hospital consultation related to the original cause of covered hospitalization

ü  Private nursing care, if medically necessary and pre-approved by the MCC

ü  Recipient transplantation services

ü  Ambulance services, if followed by hospitalisation

ü  Incidental companion expenses for insured(s) below 13 years of age

ü  Morgue expenses in the event of death of the insured following admission and during hospitalization for a non-excluded bodily injury or sickness

ü  Maternity (including pregnancy, normal or caesarean delivery, legal abortion and all related complications)

100%

Out-Hospital Benefits

Coverage

Physician Consultation

100% , 100% with 3,000 IQD DED

Diagnostic tests

100%, 90%, 80% Co-Pay

Pharmaceuticals

100%, 90%, 80% Co-Pay

Physiotherapy

100%, 90%, 80% Co-Pay

Number of SOAP’s per member

10 Forms, 12 Forms , 14 Forms