Medical Insurance

INDIVIDUAL & FAMILY PLANS

SMALL & MEDIUM ENTERPRISE PLANS

CORPORATE PLANS

INDIVIDUAL & FAMILY PLANS

#	The four plans you canchoose from	Health Plan 1	Health Plan 2	Health Plan 3	Health Plan 4
	Yearly maximum per member	BD 250K	BD 250K	BD 10K	BD 5K
	Area of Cover	Worldwide	Worldwide (excluding USA & Canada)	G.C.C & India, Pakistan, Sri Lanka, Bangladesh, Korea, Philippines, Nepal & Bhutan	G.C.C & India, Pakistan, Sri Lanka, Bangladesh, Korea, Philippines, Nepal & Bhutan
1	Accommodation and hospital charges	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
2	In-patient and daycare including surgeons’, anaesthetists’, physicians’ and consultation charges, diagnostic procedures and physiotherapy (within your area of cover)	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
3	Out-patient surgical procedure	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
4	Radiotherapy and chemotherapy received as an in-patient, daycare patient or out-patient (within your area of cover)	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
5	International Emergency Repatriation and Evacuation Service IEMA (includes the cost of an accompanying adult)	Paid in full	Paid in full	Paid in full	N/A
6	Outside area of cover Limit for USA/Canada	Not required for this plan	8 weeks treatment – BD 5K	8 weeks treatment – BD 2.5K	8 weeks treatment – BD 2.5K
7	Parent accommodation. Charges for one parent staying with a child member who is under 18	Paid in full	Paid in full	Paid in full	Paid in full
8	Cash benefit if the treatment is received completely free of charge	BD 20 per night	BD 20 per night	BD 10 per night	BD 5 per night
9	Ambulance transport-limit each year	BD 300	BD 300	BD 150	BD 100
10	Out-patient consultation – limit per year Excess per visit	BD 2K BD 10	BD 2K BD 10	BD 1K BD 5	BD 750 BD 5
11	Chiropractic treatment and osteopathy	BD 200	BD 200	BD 150	BD 100
12	Nursing at home	Up to 14 days	Up to 14 days	Up to 14 days	Up to 14 days
13	Disability Compensation Cover	BD 10K	BD 10K	BD 10K	N/A
14	Pregnancy and childbirth after 10 months’ cover)	BD 1K	BD 1K	BD 750	N/A

Full details of the benefits and terms of membership will be provided on enrolment.

NB: The In-patient option only covers benefits 1,2,4,5,7,8,& 9

SMALL & MEDIUM ENTERPRISE PLANS

#	The three plans you can choose from	SME Health Plan 1	SME Health Plan 2	SME Health Plan 3
	Yearly maximum per member	BD 25K	BD 10K	BD 5K
	Area of Cover	Bahrain	Bahrain	Bahrain
1	Accommodation and hospital charges	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
2	In-patient and daycare including surgeons’, anaesthetists’, physicians’ and consultation charges, diagnostic procedures and physiotherapy (within your area of cover)	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
3	Out-patient surgical procedure	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
4	Radiotherapy and chemotherapy received as an in-patient, daycare patient or out-patient (within your area of cover)	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area	Paid in full when you have treatment in your principle country of residence or within your area
5	Repatriation of Mortal remains	BD 1000	BD 800	BD 800
6	Treatment Outside Area of Cover (Emergency treatment only)	Covered	Covered	Covered
7	Parent accommodation. Charges for one parent staying with a child member who is under 18	Paid in full	Paid in full	Paid in full
8	Cash benefit if the inpatient treatment is received completely free of charge	BD 20 per night	BD 10 per night	BD 5 per night
9	Ambulance transport-limit each year	BD 300	BD 150	BD 100
10	Out-patient consultation – limit per year Excess per visit	BD 2.5K BD 5	BD 1K BD 5	BD 1K BD 5
11	Chiropractic treatment and osteopathy	BD 200	BD 100	BD 100